Terms of Service

1. Acceptance of Terms

By accessing or using this website and any of its tools, calculators, or document generators — including the pay stub generator, paycheck calculator, hourly-to-salary calculator, overtime calculator, bonus tax calculator, self-employment / 1099 tax calculator, multiple pay stub generator, invoice generator, employment verification letter generator, and income verification packet builder (collectively, "the Tool") — you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use the Tool. These Terms apply to all visitors and users of the website.

2. Nature of the Tool — Not a Payroll Service

MyFreePayStub is a free online tool that generates pay stub documents based on information provided by the user. It is provided for informational and general record-keeping purposes only. Specifically:

• We are not a licensed payroll provider, employer of record, or professional employer organization (PEO).
• Pay stubs generated by this Tool are not official payroll documentsand do not constitute proof of employment or official earnings verification from an employer.
• Tax calculations are estimates only, based on publicly available 2026 IRS tax tables and approximate state tax rates. Actual tax withholding may differ based on your specific circumstances, exemptions, local taxes, and other factors.
• This Tool does not file payroll taxes, submit withholding to the IRS or any state agency, issue W-2 forms, or perform any official payroll function.
• Our calculators (including the self-employment / 1099 tax calculator and quarterly estimated tax estimates) provide simplified estimates for general planning only. They do not account for every credit, deduction, exemption, local tax, or individual circumstance, do not file or pay taxes on your behalf, and are not a substitute for the IRS Form 1040-ES worksheet or professional tax preparation.
• Documents such as invoices and employment verification letters are templates only. An employment verification letter is not valid unless it is completed and signed by an authorized representative of the actual employer. Issuing a verification letter, invoice, or pay stub that misrepresents employment, income, or job title — or signing one without authority to do so — may constitute fraud.
• The income verification packet builder only formats income figures you enter into a readable document. It does not confirm, audit, or guarantee the accuracy of that information, and is not issued or verified by any government agency, employer, or financial institution. It does not guarantee that any landlord, lender, or other third party will accept the resulting document. Data you enter is processed only in your browser for the current session — it is never sent to or stored on our servers, and is not saved to your device (no local storage); closing or refreshing the page clears it.

3. Prohibited Uses — Fraud Warning

You agree that you will NOT use this Tool to:

• Falsify income or employment information for any purpose, including but not limited to loan applications, mortgage applications, rental applications, visa applications, government benefit claims, or any other financial or legal purpose.
• Create documents that misrepresent your income, employer, employment status, or pay history to any lender, landlord, government agency, or third party.
• Engage in any form of identity theft, financial fraud, or document fraud.
• Use the output of this Tool as a substitute for officially issued payroll documents from a licensed payroll provider or employer.
• Violate any federal, state, or local laws, including laws relating to fraud, false statements, and misrepresentation.

Fraudulent use of pay stub documents may constitute federal wire fraud (18 U.S.C. § 1343), bank fraud (18 U.S.C. § 1344), or state-level offenses, potentially resulting in criminal prosecution, fines, and imprisonment. We reserve the right to report suspected fraudulent activity to relevant authorities.

4. User Responsibility and Accuracy

You are solely responsible for:

• The accuracy and truthfulness of all information you enter into the Tool.
• Ensuring that any pay stub generated complies with applicable federal, state, and local laws and regulations in your jurisdiction.
• Verifying tax calculations with a qualified payroll professional or CPA before relying on them for any official purpose.
• Any consequences arising from the use of pay stubs generated by this Tool, including any legal or financial consequences.

5. Disclaimer of Warranties

THE TOOL IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.

We do not warrant that:

• Tax calculations are accurate, complete, or current.
• The Tool will meet your specific requirements.
• The Tool will be error-free or uninterrupted.
• Pay stubs generated will be accepted by any lender, landlord, or government agency.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF INCOME, LOSS OF DATA, FINANCIAL LOSS, OR ANY OTHER DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE TOOL, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability to you for any claim arising out of or relating to these Terms or the Tool shall not exceed zero dollars ($0.00), as the Tool is provided free of charge.

7. Tax and Legal Disclaimer

Nothing on this website constitutes tax advice, legal advice, payroll advice, or financial advice. Tax laws are complex and subject to change. State tax rates and rules vary significantly and may not be fully reflected in our estimates. Always consult a qualified CPA, tax professional, or licensed payroll providerfor official payroll processing, tax filing, and compliance.

8. Intellectual Property

The design, code, and content of this website are owned by MyFreePayStub and protected by applicable intellectual property laws. You may use the Tool for personal or business purposes in accordance with these Terms, but you may not copy, reproduce, or redistribute the website's code or content without our permission.

9. Modifications

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated date. Your continued use of the Tool after changes are posted constitutes your acceptance of the updated Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with applicable law. Any disputes arising under these Terms shall be resolved in the appropriate courts of competent jurisdiction.

11. Contact

For questions about these Terms, contact us at hello@myfreepaystub.com.