Terms of Service

1. Acceptance of Terms

Welcome to GigFinanceHub.com (the "Website"). By accessing or using this Website, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use this Website.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and GigFinanceHub ("we," "us," or "our").

2. Description of Service

GigFinanceHub provides:

  • Free financial calculators for freelancers, gig workers, and self-employed individuals
  • Educational articles, guides, and resources on taxes, budgeting, and financial planning
  • Email newsletter with financial tips and tool updates
  • Affiliate recommendations for financial software and services

3. Eligibility

You must be at least 18 years of age to use this Website. By using this Website, you represent and warrant that you meet this age requirement.

4. User Responsibilities

4.1 Accurate Information

When using our calculators or subscribing to our newsletter, you agree to:

  • Provide accurate and truthful information
  • Not misuse or abuse our tools for fraudulent purposes
  • Verify all calculator results with qualified professionals

4.2 Prohibited Activities

You agree NOT to:

  • Use this Website for any illegal or unauthorized purpose
  • Attempt to hack, reverse-engineer, or disrupt the Website's functionality
  • Copy, reproduce, or redistribute our content without permission (except for personal, non-commercial use)
  • Use automated tools (bots, scrapers) to access or extract data from the Website
  • Transmit viruses, malware, or harmful code
  • Impersonate GigFinanceHub or misrepresent your affiliation with us

4.3 Compliance with Laws

You are responsible for complying with all applicable federal, state, and local laws, including tax laws and regulations.

5. Intellectual Property

5.1 Ownership

All content on this Website, including but not limited to:

  • Text, articles, and guides
  • Calculator code and algorithms
  • Graphics, logos, and design elements
  • Trademarks and branding

…is the exclusive property of GigFinanceHub or its licensors and is protected by copyright, trademark, and other intellectual property laws.

5.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

  • Access and use the Website for personal, non-commercial purposes
  • Use our calculators for your own financial planning
  • Share links to our content (with proper attribution)

You may NOT:

  • Republish our content on other websites without written permission
  • Use our calculators or content for commercial purposes (e.g., embedding on paid services)
  • Remove copyright notices or attribution

5.3 User-Generated Content

If you submit comments, feedback, or suggestions to us (via email or contact forms), you grant us a perpetual, royalty-free, worldwide license to use, modify, and publish such content.

6. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND.

We do NOT warrant that:

  • The Website will be error-free, secure, or uninterrupted
  • Calculators will produce accurate results for your specific situation
  • Content is current, complete, or suitable for your needs
  • Third-party links or services are reliable or safe

See our full Disclaimer for details.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

GigFinanceHub and its owners, operators, affiliates, and partners shall NOT be liable for:

  • Any direct, indirect, incidental, consequential, or punitive damages
  • Financial losses resulting from use of our calculators or content
  • Tax penalties, audits, or legal issues arising from reliance on our information
  • Data loss, security breaches, or unauthorized access to your information
  • Damages caused by third-party services, links, or affiliate products

YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE WEBSITE IS TO STOP USING IT.

8. Indemnification

You agree to indemnify, defend, and hold harmless GigFinanceHub, its owners, employees, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from:

  • Your use or misuse of the Website
  • Your violation of these Terms
  • Your violation of any third-party rights
  • Your submission of false or misleading information

9. Third-Party Services and Affiliates

This Website contains affiliate links to third-party products and services (e.g., QuickBooks, FreshBooks). We may earn commissions from purchases made through these links.

We are NOT responsible for:

  • The quality, accuracy, or legality of affiliate products
  • Customer service or support from third-party vendors
  • Privacy practices of affiliate partners

9.2 Third-Party Websites

Links to external websites are provided for convenience only. We do not endorse or control third-party sites and are not responsible for their content, privacy policies, or practices.

10. Privacy

Your use of this Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it to understand how we collect, use, and protect your data.

11. Email Communications

11.1 Newsletter Subscription

By subscribing to our newsletter, you consent to receive:

  • Weekly financial tips and articles
  • Tool updates and new calculator announcements
  • Promotional emails for affiliate products (clearly marked)

11.2 Unsubscribe

You may unsubscribe at any time by:

11.3 Transactional Emails

We may send non-promotional emails (e.g., calculator results, account notifications) even if you unsubscribe from marketing emails.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on this page with an updated "Last Updated" date.

Your continued use of the Website after changes constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

13. Termination

We reserve the right to:

  • Suspend or terminate your access to the Website at any time, for any reason, without notice
  • Remove or disable any content that violates these Terms
  • Discontinue the Website or any feature at our discretion

Upon termination, your license to use the Website immediately ceases.

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms are governed by the laws of [Your State/Country], without regard to conflict of law principles.

14.2 Dispute Resolution

Any disputes arising from these Terms or your use of the Website shall be resolved through:

  1. Informal Negotiation: Contact us at [email protected] to attempt resolution
  2. Binding Arbitration: If negotiation fails, disputes will be resolved through binding arbitration in [Your City/State] under the rules of the American Arbitration Association (AAA)
  3. No Class Actions: You agree to resolve disputes individually, not as part of a class action

14.3 Exceptions

Either party may seek injunctive relief in court to protect intellectual property rights.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and GigFinanceHub regarding use of the Website.

17. Contact Information

For questions, concerns, or legal inquiries:

18. Acknowledgment

By using GigFinanceHub.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

Last Updated: January 7, 2026

Note: These Terms of Service should be reviewed by a licensed attorney to ensure compliance with applicable laws in your jurisdiction.

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