Terms of Service

Last Updated: November 6, 2025

⚠️ IMPORTANT: FreelancerHealth provides tax estimation tools for informational purposes only. Our service is NOT a substitute for professional tax, legal, or financial advice. Always consult a licensed tax professional.

1. Acceptance of Terms

By using FreelancerHealth, you agree to these Terms of Service, our Privacy Policy, and all applicable laws.

2. Description of Service

FreelancerHealth calculates the interaction between the Self-Employed Health Insurance Deduction (SEHID) and Premium Tax Credit (PTC) using the IRS Iterative Calculation Method for tax planning purposes.

3. No Tax, Legal, or Financial Advice

We are NOT tax advisors, accountants, financial advisors, or insurance brokers. We are not affiliated with the IRS or any government agency.

4. User Accounts and Subscriptions

Subscription Plans:

One-Time Purchase ($9): Single calculation with 30-day access
Monthly Subscription ($9/month): Unlimited calculations, cancel anytime
Annual Subscription ($89/year): Same as monthly with 17% savings

Subscriptions include a 7-day free trial and automatically renew unless canceled.

5. Cancellation and Refunds

See our Refund Policy. We offer a 14-day money-back guarantee on all purchases.

6. Limitation of Liability

FreelancerHealth is provided "AS IS" without warranties. We are not liable for any tax penalties, financial losses, or damages resulting from use of our service. Our total liability shall not exceed the amount you paid in the prior 12 months.

7. Prohibited Uses

You agree NOT to: use for illegal purposes, reverse-engineer our algorithms, share account credentials, scrape data, or resell our service.

8. Contact Us

Questions? Email us at support@freelancerhealth.co