Terms of Service

1. Tax & Financial Disclaimer

Not Tax or Investment Advice: goldenhandcuffs.fyi is an educational tax calculator. Estimates on this site are based on published IRS rules (IRC § 3402(g)) and state supplemental withholding schedules. They do not constitute tax advice, financial planning, or legal counsel.

Actual individual tax liabilities vary based on factors outside the scope of simplified calculators, including but not limited to: alternative minimum tax (AMT), prior-year capital loss carryforwards, itemized deductions, net investment income tax (NIIT), spouse/partner income, dual-state resident filings, and employer-specific vesting terms.

Always consult a licensed Certified Public Accountant (CPA), Enrolled Agent (EA), or fiduciary financial planner before making irrevocable financial decisions or executing large equity liquidations.

2. Use of Calculator & Content

You are granted a revocable, non-exclusive license to use the calculators and programmatic reference data for your personal equity planning or informational research. You agree not to:

Use automated scrapers, bots, or extraction scripts to disrupt service availability.
Misrepresent output from this platform as guaranteed IRS-certified tax advice.
Reverse-engineer or republish the platform's proprietary datasets for commercial redistribution without written consent.

3. Limitation of Liability

Under no circumstances shall goldenhandcuffs.fyi, its maintainers, or its affiliates be liable for any direct, indirect, incidental, punitive, or consequential damages resulting from underwithholding penalties, safe-harbor interest charges, or investment decisions resulting from the use of this website.

4. Governing Law

These terms shall be governed by and interpreted in accordance with applicable laws. Continued use of this platform constitutes acceptance of these terms.