Terms of Service

1. Acceptance

By accessing or using Rate Forge (the "Service"), operated by Santiago Says LLC ("we", "us", or "Company"), you ("you", "User") agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service. Creating an account constitutes an electronic signature affirming your agreement to these Terms.

2. Not Financial, Tax, or Legal Advice

THE SERVICE IS AN INFORMATIONAL TOOL ONLY. RATE FORGE DOES NOT PROVIDE FINANCIAL, ACCOUNTING, TAX, LEGAL, INVESTMENT, OR PROFESSIONAL ADVICE OF ANY KIND.

All outputs — including but not limited to suggested hourly rates, project quotes, annual income targets, estimated tax liability, self-employment tax calculations, expense projections, and market benchmarks — are illustrative estimates derived from public data and simplified formulas. They may be incomplete, out of date, or incorrect for your jurisdiction or circumstances. You acknowledge that:

• Tax law changes frequently and varies by city, county, state, and country.
• Market rate data is curated from third parties and refreshed periodically.
• Self-employment tax, deductions, and credits depend on facts only a licensed professional can assess.
• You should consult a Certified Public Accountant (CPA), Enrolled Agent (EA), licensed financial advisor, or attorney before making business, pricing, or tax decisions.

3. Use At Your Own Risk

You assume full responsibility for any decisions made based on the Service. The Company shall not be liable for any pricing, contract, tax, or financial outcome arising from your use of the Service.

4. No Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT DATA WILL BE ACCURATE.

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL SANTIAGO SAYS LLC, ITS OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, WHETHER INCURRED DIRECTLY OR INDIRECTLY, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE. OUR TOTAL CUMULATIVE LIABILITY SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).

6. Indemnification

You agree to indemnify, defend, and hold harmless Santiago Says LLC and its affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your use of the Service or violation of these Terms.

7. Accounts

You are responsible for safeguarding your account credentials and for all activity that occurs under your account. You agree to provide accurate information when creating an account.

8. Intellectual Property

The Service, including all software, design, copy, and trademarks, is owned by Santiago Says LLC. You are granted a limited, non-exclusive, non-transferable license to use the Service for your personal or business pricing decisions.

9. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including violation of these Terms.

10. Governing Law

These Terms are governed by the laws of the State of New York, United States, without regard to its conflict-of-laws principles. Any dispute shall be resolved exclusively in the state or federal courts located in New York County, New York.

11. Changes

We may update these Terms from time to time. Continued use of the Service after changes constitutes acceptance of the revised Terms.

12. Contact

Questions about these Terms: alexander@santiagosays.com.