Terms of use
These terms are a template provided for transparency and should be reviewed and finalized by a qualified attorney before you rely on them.
Welcome to Keldwell. By accessing or using keldwell.com and its tools (the "Site"), you agree to these Terms of Use ("Terms"). If you do not agree, please do not use the Site.
1. Educational information only — not advice
Our calculators produce estimates based on simplified assumptions and the figures you enter. They do not account for every rule, deduction, credit, phase-out, or state-specific provision, and they may not reflect the latest changes in the law. Your actual tax liability and financial situation depend on facts only you and a qualified professional can fully assess. Before making any tax, financial, or legal decision, consult a licensed CPA, Enrolled Agent, attorney, or other qualified professional, and rely on official sources such as the IRS. You are solely responsible for decisions you make.
2. No warranties
The Site and its content are provided "as is" and "as available," without warranties of any kind, express or implied, including any implied warranties of accuracy, merchantability, fitness for a particular purpose, or non-infringement. While we strive for accuracy and have tax content reviewed by a credentialed professional (see our editorial policy), we do not warrant that the content is complete, current, or error-free, or that the Site will be uninterrupted or secure.
3. Limitation of liability
To the fullest extent permitted by law, Keldwell and its operators, contributors, and reviewers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, taxes, penalties, interest, data, or goodwill, arising out of or relating to your use of — or inability to use — the Site or its content, whether based in contract, tort, negligence, strict liability, or otherwise, even if advised of the possibility of such damages. To the extent any liability cannot be excluded, our total aggregate liability to you for all claims relating to the Site will not exceed one hundred U.S. dollars (US$100). Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.
4. Your responsibilities and acceptable use
You agree to use the Site lawfully and not to: misuse, disrupt, or attempt to gain unauthorized access to the Site or its systems; scrape or copy content except as permitted; introduce malware; or use the Site to infringe others' rights. You are responsible for verifying any figure or conclusion before relying on it.
5. Intellectual property
The Site's content, design, and branding are owned by Keldwell or its licensors and are protected by applicable laws. You may view and share links to our content for personal, non-commercial use, but you may not reproduce, republish, or create derivative works from substantial portions without our permission. "Keldwell" and our logo are our marks.
6. Third-party links and affiliate relationships
The Site contains links to third-party websites, including affiliate links through which we may earn a commission at no extra cost to you (see our editorial policy). We do not control and are not responsible for third-party sites, products, or services, and including a link is not an endorsement of everything on the linked site. Your dealings with third parties are solely between you and them.
7. Newsletter and communications
If you subscribe to our emails, you consent to receive them and can unsubscribe at any time. Your data is handled per our privacy policy.
8. Changes to the Site and these Terms
We may modify, suspend, or discontinue any part of the Site at any time, and we may update these Terms. Changes take effect when posted, and the "last updated" date will reflect the current version. Your continued use of the Site after changes means you accept the updated Terms.
9. Indemnification
You agree to indemnify and hold harmless Keldwell and its operators, contributors, and reviewers from any claims, losses, liabilities, and expenses (including reasonable legal fees) arising from your misuse of the Site or violation of these Terms.
10. Governing law and disputes
These Terms are governed by the laws of the State of [State], without regard to its conflict-of-laws rules, and any disputes will be resolved in the courts located in [County, State], unless applicable law provides otherwise. [Confirm jurisdiction, and any arbitration or class-action-waiver provisions, with your attorney.]
11. Severability and entire agreement
If any provision of these Terms is found unenforceable, the rest remain in effect. These Terms, together with our privacy policy, are the entire agreement between you and Keldwell regarding the Site.
12. Contact
Questions about these Terms? Email hello@keldwell.com or use our contact page.