Terms of Service
Last updated: May 4, 2026
These Terms of Service ("Terms") govern your use of the website at billmyrate.com (the "Site"), operated by Andrew James Flores doing business as Nathan Management ("we," "our," "us"). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
1. What the Site does
The Site provides a freelance hourly rate calculator and written educational content about freelance pricing, self-employment taxation, and small-business cost accounting. The calculator runs in your browser; no inputs are sent to our servers, no account is required, and no payment is processed.
2. Estimates only — not professional advice
The calculator's output and the content of every guide on the Site are estimates and educational information only. They are not, and should not be relied on as, financial advice, tax advice, legal advice, accounting advice, or business advice. Tax law, payroll rules, and labor classification standards change frequently and vary by jurisdiction. Your specific situation may include factors the calculator does not model: state and local taxes, dependents, retirement-plan elections, an LLC or S-corp election, multi-state work, non-US tax residency, or business structure changes.
Before making a pricing, tax-withholding, business-formation, or contracting decision, consult a licensed professional — a Certified Public Accountant (CPA), Enrolled Agent (EA), tax attorney, employment lawyer, or business advisor — who can evaluate your specific facts. We are not your CPA, attorney, or financial advisor, and using the Site does not create any such professional relationship.
3. Your decisions are your own
You are solely responsible for any rate-setting, contract-pricing, tax-withholding, savings, or business decision you make based on information from the Site. We have no visibility into your finances, your clients, your contracts, or your jurisdiction, and we make no representation that any number on the Site is correct for your situation.
4. Accuracy
We make a good-faith effort to keep the calculator's math correct and the guides' citations current — most numbers are sourced from public IRS, Bureau of Labor Statistics, and Department of Labor publications and are dated when published. We do not guarantee that any figure, formula, rate range, tax bracket, or threshold on the Site is current, complete, accurate, or applicable to you. If you find an error, please report it via the contact page; we'll review and correct it.
5. Acceptable use
You agree not to: (a) use the Site for any unlawful purpose; (b) attempt to disrupt, overload, probe, or exploit the Site or its hosting infrastructure; (c) scrape the Site at a rate or in a manner that interferes with normal operation; (d) misrepresent the Site, our identity, or the source of any content from the Site; (e) republish substantial portions of the Site's written guides without written permission and an attribution link back to the original page (see Section 6); or (f) use any automated system to inflate analytics or simulate traffic.
6. Intellectual property and fair use
All original content on the Site — the written guides, the calculator's design, the source code, the styling, the structure, and any original graphics — is © 2026 Andrew James Flores / Nathan Management, all rights reserved, unless explicitly noted otherwise. The Site uses public-data citations (IRS, BLS, DoL) under fair use; those underlying figures belong to their respective government publishers.
You may quote short passages (up to roughly 200 words) from any guide for commentary, education, journalism, or criticism, provided you credit "BillMyRate" and link to the source page. For longer use — embedding the calculator, syndicating a guide in full, translating a guide, or republishing in a commercial publication — please request permission via the contact page. We are usually happy to say yes for non-commercial educational use.
7. Third-party links and services
Some pages link to third-party sites (the IRS, BLS, software vendors, hosting providers, payment processors). We provide those links for your convenience. We do not control, endorse, or assume responsibility for any third-party site, and your use of those sites is governed by their own terms and privacy policies. The Site is hosted on Vercel and uses Vercel Web Analytics; their terms apply to that infrastructure.
8. No warranty
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT ANY WARRANTY OF ANY KIND, 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 the Site will be uninterrupted, error-free, secure, or free of harmful components.
9. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, BUSINESS, CLIENTS, GOODWILL, OR DATA, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE, THE CALCULATOR'S OUTPUT, OR ANY INFORMATION OBTAINED FROM THE SITE — WHETHER BASED ON WARRANTY, CONTRACT, TORT, STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Our aggregate liability for any claim arising out of or relating to the Site shall not exceed one hundred United States dollars (US$100). Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you; in that case, our liability is limited to the smallest amount permitted by law.
10. Indemnification
You agree to defend, indemnify, and hold harmless Andrew James Flores, Nathan Management, and any of our affiliates, contractors, or agents from any claim, demand, loss, or damages — including reasonable attorneys' fees — arising out of (a) your use or misuse of the Site, (b) your violation of these Terms, (c) your violation of any law or third-party right in connection with your use of the Site, or (d) any decision or action you take based on information from the Site.
11. Governing law and venue
These Terms are governed by the laws of the State of California, United States, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to the Site or these Terms shall be brought exclusively in the state or federal courts located in Los Angeles County, California, and you consent to the personal jurisdiction of those courts. If you reside in a jurisdiction whose mandatory consumer-protection law gives you a venue or forum right that overrides this clause, that mandatory law applies instead.
12. Changes to the Terms
We may update these Terms over time. The "Last updated" date at the top will reflect the most recent revision. Material changes will be summarized in a short note at the top of this page for at least 30 days. Continued use of the Site after a change means you accept the updated Terms.
13. Severability
If any provision of these Terms is found unenforceable, the rest remain in force. The unenforceable provision shall be modified only to the minimum extent needed to make it enforceable.
14. Contact
For questions about these Terms, contact us at nathanmanagement@agentmail.to.