Terms & Conditions

1. Acceptance of these terms

Welcome to SkillGuidely. These Terms and Conditions (“Terms”) apply to your use of skillguidely.com and everything on it, including our calculators, guides, and other content. By visiting or using the site, you agree to these Terms. If you do not agree, please stop using the website.

Please also read our Privacy Policy, Cookie Policy, and Disclaimer, which are part of these Terms.

2. About our website and tools

SkillGuidely offers free finance calculators and educational content, such as paycheck calculators for different states, overtime tools, and salary and loan tools. You do not need an account to use them. We may add, change, or remove tools and content at any time without notice.

3. Estimates, not professional advice

Our calculators give estimates based on the numbers you enter and on simplified rules, such as standard deductions and published tax rates. Your real paycheck, tax bill, or loan payment can be different because of your personal situation, employer rules, credits, and changes in the law. Nothing on this website is financial, tax, legal, accounting, or payroll advice. Please read our full Disclaimer and talk to a qualified professional before making important decisions.

4. Acceptable use

You agree to use the website lawfully and fairly. You must not:

• Break any law or regulation, or help anyone else to do so.
• Try to hack, overload, or disrupt the website or its servers.
• Use bots, scrapers, or automated tools to copy our content or calculators in bulk, unless we agree in writing.
• Upload or send malware, spam, or harmful code.
• Pretend to be someone else or misrepresent your connection to SkillGuidely.
• Copy, republish, or sell our content, designs, or calculators as your own.

5. Intellectual property

The text, calculators, code, designs, graphics, logos, and other material on SkillGuidely are owned by us or our licensors and are protected by copyright and other laws. You may view the site and use the calculators for your own personal, non-commercial purposes. You may quote short excerpts with a clear credit and a link to the original page. Any other use needs our written permission. If you think we have used your work without permission, see our DMCA.

6. Linking to our website

You are welcome to link to any public page on SkillGuidely, as long as the link is fair, accurate, and does not suggest that we endorse you or your products. Please do not copy our pages into frames or present our calculators as your own. We may ask you to remove a link at any time.

7. Advertising and third-party links

The website may show ads and may link to other websites, such as government agencies or other tools. We do not control or endorse third-party sites or ads and are not responsible for their content, products, or privacy practices. Any dealings you have with advertisers or other sites are between you and them.

8. Accuracy and availability

We work to keep our calculators and content accurate and up to date, including each tax year’s rates, but we cannot promise that everything is complete, current, or free of errors. The website may sometimes be unavailable because of maintenance or technical problems. If you spot a mistake, please tell us at contact@skillguidely.com so we can fix it.

9. Disclaimer of warranties

The website, its calculators, and all content are provided “as is” and “as available”, without warranties of any kind, either express or implied. This includes any warranty of accuracy, fitness for a particular purpose, merchantability, or non-infringement. You use the website at your own risk.

10. Limitation of liability

To the fullest extent allowed by law, SkillGuidely and its founder will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of money, profits, data, or opportunity, that comes from your use of, or inability to use, the website or from relying on any estimate or content on it. Nothing in these Terms limits liability that cannot be limited by law.

11. Indemnification

You agree to defend and hold harmless SkillGuidely and its founder from claims, losses, and expenses, including reasonable legal fees, that arise from your misuse of the website or your breach of these Terms.

12. Suspension and termination

We may block or limit access to the website for anyone who breaks these Terms or who harms the site or other users, at any time and without notice.

13. Changes to these terms

We may update these Terms from time to time. The “Last updated” date at the top shows when they last changed. If you keep using the website after an update, you accept the new Terms.

14. Governing law and disputes

These Terms are governed by the laws that apply to the operator of the website. If you have a complaint or a dispute, please contact us first at contact@skillguidely.com. We will try in good faith to solve it informally before any formal action.

15. Contact us

Questions about these Terms? Email contact@skillguidely.com or use our Contact page.