Terms of Use

Updated October 12, 2026.

Using these resources

You may use our free guides, calculators and downloadable worksheets for personal education and internal work. Respect any attribution and licenses included in individual files. Do not present these resources as government publications, resell them, or use them for misleading marketing.

Your responsibilities

Verify dates, inputs, assumptions and results before relying on them. You are responsible for saved files, privacy and applicable professional or marketing requirements. Do not submit sensitive personal information to this website.

Availability and accuracy

Resources are provided as available, without a guarantee of accuracy, completeness, continued availability or fitness for your situation. Nothing here limits rights that applicable law does not allow us to limit. Read the Disclaimer.

External sites and updates

External websites control their own content and policies. These terms may be updated; the date above identifies this version. For questions, use our Contact page.