Terms of use
Last updated 2026-10-06. By using Rate & Retainer you agree to these terms.
As is, no warranty
Content, calculators and tools on this site are provided "as is" and "as available", without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose and non-infringement.
Not advice
Nothing here is tax, legal, accounting, financial or investment advice, and nothing creates a professional relationship. Rules, rates and prices change and depend on your situation. Ask a qualified professional before you act.
Check the figures yourself
You are responsible for verifying any figure, rate, date, price or result before relying on it, including the output of our calculators and tools. Check current figures with the IRS, the vendor or a professional.
Third-party links and products
We link to other sites and products, and some links are affiliate links (see the disclosure). We do not control third-party sites and are not responsible for them. Trademarks belong to their owners; Rate & Retainer is not affiliated with or endorsed by them.
Limitation of liability
To the fullest extent permitted by law, Rate & Retainer and its operator are not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, data or business, arising from your use of the site or its content. For paid products, total liability is limited to the amount you paid for that product. For free content and tools, it is limited to $0. Some places do not allow these limits, so they apply only as far as the law allows.
Governing law
These terms are governed by the laws of the US state in which the site operator resides, without regard to conflict-of-law rules.
Changes
We may update these terms and the site at any time. The date above shows the latest version. Continued use means you accept the changes.