Terms of Service

By using PH Calculator ("the Site"), you agree to these terms. If you do not agree, please do not use the Site.

The Site offers free calculators and educational articles. Outputs are estimates for personal use and learning — not payroll, tax, legal, or financial advice.

Nothing on the Site creates a client, advisory, or fiduciary relationship. For decisions that affect taxes, benefits, loans, or compliance, consult a qualified professional and official government sources.

Government rates, tables, and regulations change. We aim to keep tools and articles reasonably current, but we do not guarantee completeness or real-time accuracy. Always verify with SSS, PhilHealth, Pag-IBIG, BIR, DOLE, ERC/MWSS, and other official issuers.

Do not misuse the Site (including attempting to disrupt service, scrape in a way that harms performance, or use automated means to overload servers). Do not present Site outputs as official government determinations.

We welcome bug reports, source updates, and correction requests. When you submit a report, you give us permission to use the information you provide to reproduce the issue, review the relevant formula or article, and update public content if needed.

We may not be able to respond to every message individually, and a report does not create an advisory relationship. For best results, include the page URL, exact inputs, expected result, and the official source or document you used for comparison.

PH Calculator links to government agencies, regulators, utility providers, and other external sources for verification. Those websites are controlled by their respective organizations. A link does not mean endorsement, affiliation, or responsibility for the external site's content, availability, or updates.

The Site may display advertisements (for example, Google AdSense) or analytics. Those services have their own terms and privacy policies.

To the fullest extent permitted by law, PH Calculator and its operators are not liable for any loss or damage arising from use of the Site or reliance on its content. Your use is at your own risk.

We may update these terms. Continued use after changes constitutes acceptance of the revised terms.

Questions? See our Contact page.