Terms of Service
Last updated: May 2026
1. Acceptance
By using BuhayPinoy.online (the "Site"), you agree to these terms. If you do not agree, do not use the Site.
2. What we provide
BuhayPinoy.online offers free financial calculators and tools designed for use in the Philippines. All calculations are for general reference and informational purposes only. They are not financial, legal, or tax advice. Results may differ from official figures issued by BIR, SSS, PhilHealth, Pag-IBIG, or any other government agency.
Always verify important figures with your employer, HR department, or a licensed professional before making financial decisions.
3. Accounts and saved data
You can use all calculators without creating an account. If you choose to sign in with Google, we store your name, email address, and any calculation history you explicitly save. You can delete your account and all associated data at any time from your profile page.
You are responsible for keeping your account secure. Do not share your login with others.
4. Accuracy of information
We do our best to keep rates and formulas current, but tax laws, contribution tables, and government regulations change. We make no guarantee that the figures shown are accurate, complete, or up to date. Use this Site as a starting point, not a final answer.
5. Limitation of liability
BuhayPinoy.online is provided as-is, without warranties of any kind. We are not liable for any financial loss, incorrect tax filings, penalties, or other damages arising from your use of the Site or reliance on its calculations.
6. Acceptable use
You agree not to:
- Use the Site for any unlawful purpose
- Attempt to scrape, reverse-engineer, or interfere with the Site
- Upload harmful or malicious content
- Impersonate another person or entity
7. Changes to these terms
We may update these terms from time to time. Continued use of the Site after changes are posted means you accept the updated terms. The "last updated" date at the top of this page will reflect any changes.
8. Contact
Questions about these terms? Reach out via the contact information on the Site.