Legal Disclaimer & Terms of Use
Important Legal Notice
Please read this disclaimer carefully before using TaxCalculator.com.ph. By using this website, you acknowledge that you have read, understood, and agree to be bound by these terms.
General Disclaimer
TaxCalculator.com.ph (the "Website") publishes calculators, comparisons and guides about Philippine taxes, contributions, loans, credit cards, banking and insurance. They are built from official sources (the BIR, SSS, PhilHealth, Pag-IBIG, SEC, BSP, the Insurance Commission and PDIC) and from the providers' own published terms, and every figure shows its source and the date it was checked.
The content is general information. It is not tax, legal, accounting, investment or financial advice for your particular situation. We work to keep it accurate and current, but we make no warranty that it is complete, error-free or suitable for your purpose, and any reliance you place on it is at your own risk.
Not Advice for Your Situation
- Calculator results are worked out from the rules and inputs shown; your actual tax, loan cost or premium depends on your full circumstances and on the provider's final terms
- Our pages do not replace a professional who knows your situation. For your own taxes, books, loans or insurance, speak with a qualified professional
- Before you file a return, sign a loan or card agreement, or buy a policy, read the official form or the provider's disclosure statement and check the figures there
Accuracy and Limitations
Sourced and dated: tax figures cite the specific regulation, circular or Tax Code section; loan, card, bank and insurance figures cite the regulator's list or the provider's published terms, with the date we checked them.
Things change: laws, circulars, rates, fees and providers' terms change, sometimes without notice. A figure is accurate as of the date shown next to it.
Your responsibility: check the date and the linked source before acting, and use the official channel (BIR, SSS, Pag-IBIG, the lender or insurer) for anything you file, sign or pay.
Limitation of Liability
To the fullest extent permitted by law:
- TaxCalculator.com.ph and its owner(s) are not liable for any loss or damage arising from use of the Website
- We are not responsible for errors, omissions or out-of-date information, or for penalties, interest, fees or other consequences of decisions based on it
- You remain responsible for your own filings, borrowing, purchases and compliance
No Government Affiliation
TaxCalculator.com.ph is independent. We are not affiliated with, endorsed by, or part of the Bureau of Internal Revenue, the SEC, the BSP, the Insurance Commission, SSS, PhilHealth, Pag-IBIG or any other government agency, and we cannot issue official rulings or interpretations.
For official information, go to the agency directly, for example www.bir.gov.ph for tax matters.
Calculators, Comparisons and Listings
Calculators: results are worked out from the rules, rates and inputs shown on the page. Deductions, exemptions, fees or terms that a page does not ask about are not included.
Lenders, cards, banks and insurers: listing a provider is not an endorsement or a recommendation to borrow, apply or buy. Where we check a provider against a regulator's list, the result is as of the date shown.
Paid placements: some providers may pay for a featured placement. Paid placements are labelled Sponsored, use sponsored links, and never change a provider's figures or its place in a cost ranking.
Reviewed content: pages are reviewed by our bookkeeping and compliance reviewer; the review date is shown on each page.
Third-Party Links
The Website links to external sites, including government agencies, lenders, banks, card issuers and insurers. We do not control those sites and are not responsible for their content, terms or privacy practices.
Changes to This Disclaimer
We reserve the right to update or modify this disclaimer at any time without prior notice. Changes become effective when posted on this page. The "Last Updated" date at the top indicates when this disclaimer was last revised.
Continued use of the Website after changes constitutes acceptance of the updated disclaimer.
Acceptance of Terms
By using TaxCalculator.com.ph, you acknowledge that you have read, understood, and agree to this disclaimer and its limitations. If you do not agree, please discontinue use of the Website.
When to Speak With a Professional
Get advice from a qualified professional (for example a CPA, tax lawyer or licensed insurance adviser) when:
- You have several income sources, foreign income, or business income
- You have received a BIR assessment or audit notice, or need representation
- You are starting a business and choosing how to register and pay tax
- A loan, policy or investment involves a large amount or terms you do not understand
Reporting Errors
If a figure is wrong or out of date, tell us the page and the figure and we will check it against the source and correct it.