Terms of Use

By using OwedRate, you agree to these terms. If you do not agree, please do not use the site.

Information, not professional advice

Everything on this site — calculator outputs, salary benchmarks, statutory interest summaries, checklists, and FAQs — is general information provided for convenience. It is not financial, tax, accounting, or legal advice, and it is not a substitute for advice from a qualified professional who knows your situation. Statutory rules summarised here can change, contain exceptions, and may be overridden by the terms of your contract.

Accuracy

We work hard to keep data current: every real-world figure carries a source and a verification date. Nevertheless, we make no warranty that any figure is accurate, complete, or current at the moment you read it. Always verify against the cited official source before relying on a number in a contract, invoice, demand letter, or filing.

Acceptable use

You may use the calculators freely for personal and commercial purposes, and you are welcome to link to any page. You may not scrape the site at abusive volumes, republish substantial portions of our data compilation as your own, or use the site in any way that violates applicable law.

Limitation of liability

To the maximum extent permitted by law, OwedRate and its operators are not liable for any loss or damage arising from your use of, or reliance on, this site — including decisions about pricing, invoicing, interest claims, or tax. Your sole remedy for dissatisfaction with the site is to stop using it.

Third-party content

Advertisements and outbound links are provided by third parties. We are not responsible for the content, products, or practices of third-party sites or advertisers.

Changes

We may update these terms from time to time; the date above reflects the latest revision. Continued use after a change constitutes acceptance.

Questions about these terms: hello@owedrate.com