Terms of Service

1. Acceptance of Terms

By accessing or using the Savi Tools TNSE platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

These Terms constitute a legally binding agreement between you and Savi Tools ("we," "us," or "our"). PLACEHOLDER: Legal entity name and jurisdiction must be confirmed.

2. Description of Service

Savi Tools TNSE provides web-based financial estimation tools for newly self-employed individuals, including:

• Self-Employment Readiness Assessment — A free assessment tool that evaluates readiness across four dimensions and produces a personalized report
• Quarterly Tax Estimator — A paid subscription tool that estimates federal and state quarterly tax obligations based on user-provided financial inputs

4. Account Registration

4.1 Eligibility

You must be at least 18 years of age and a resident of the United States to use the paid features of the Service.

4.2 Account Accuracy

You agree to provide accurate, current, and complete information when creating an account and to keep that information updated.

4.3 Account Security

You are responsible for maintaining the confidentiality of your account credentials. You agree to notify us immediately of any unauthorized use of your account.

5. Subscription Terms

5.1 Pricing

The Quarterly Tax Estimator is available by subscription at $9.00 per month (USD).

5.2 Free Trial

New subscribers receive a 14-day free trial. You will not be charged during the trial period. At the end of the trial period, your subscription will automatically convert to a paid monthly subscription unless you cancel before the trial ends.

5.3 Billing

Subscription fees are billed monthly on the anniversary of your subscription start date. Payments are processed by Stripe. By subscribing, you authorize Stripe to charge your payment method on a recurring monthly basis.

5.4 Failed Payments

If a payment fails, we will retry your payment method up to four times over a 14-day period. If payment is not successfully collected after four attempts, your subscription will be automatically cancelled and your access to paid features will be revoked.

5.5 Cancellation

You may cancel your subscription at any time from your account settings. Upon cancellation:

• Your subscription will not renew at the next billing date
• You will retain full access to paid features until the end of your current billing period
• No partial refunds are issued for unused days in a billing period

5.6 Refunds

PLACEHOLDER: Refund policy requires legal review before publication.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Service or its infrastructure
• Submit false or misleading financial data with intent to manipulate outputs
• Reverse engineer, decompile, or attempt to extract the source code of the Service
• Resell or redistribute access to the Service without written authorization

7. Intellectual Property

All content, features, and functionality of the Service — including but not limited to software, text, scoring algorithms, and design — are the exclusive property of Savi Tools and are protected by applicable intellectual property laws. Your use of the Service does not grant you any ownership rights in any Service content.

8. User Data

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

You retain ownership of the financial data you input into the Service. You grant Savi Tools a limited license to process that data solely for the purpose of providing the Service to you.

9. Disclaimers and Limitation of Liability

9.1 Service Provided As-Is

The Service is provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

9.2 Limitation of Liability

To the maximum extent permitted by applicable law, Savi Tools shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, tax penalties, or financial losses arising from your use of or reliance on the Service.

PLACEHOLDER: Liability cap language and jurisdiction-specific carve-outs required.

9.3 Accuracy of Estimates

Tax calculation outputs are estimates only. Savi Tools does not warrant that any estimate produced by the Service will match your actual tax liability as determined by the IRS or any state tax authority.

10. Indemnification

You agree to indemnify and hold harmless Savi Tools and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of the Service, your violation of these Terms, or your violation of any applicable law.

11. Modifications to the Service and Terms

We reserve the right to modify the Service or these Terms at any time. We will provide at least 30 days notice via email before any material change to these Terms takes effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

12. Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms. Upon termination, your right to use the Service ceases immediately. Provisions of these Terms that by their nature should survive termination — including disclaimers, limitation of liability, and indemnification — will survive.

13. Governing Law and Dispute Resolution

PLACEHOLDER: Governing law, jurisdiction, and dispute resolution mechanism must be determined by legal counsel based on entity formation state.

14. Contact

For questions about these Terms:

Email: legal@savitools.com
Mailing Address: 101 W Argonne Dr #56, Kirkwood, MO 63122