Please read these terms carefully before using SmartSalaryTool.com. By accessing our calculator and tools, you agree to these terms.
By accessing or using SmartSalaryTool.com (the "Website"), including any of its calculators, guides, blog articles, or finance tools, you ("User") agree to be bound by these Terms of Service ("Terms").
If you do not agree with any part of these Terms, you must discontinue use of the Website immediately.
These Terms apply to all visitors, users, and others who access or use the Website, regardless of whether they have created an account or not.
SmartSalaryTool.com provides the following free tools and resources:
All tools are provided free of charge and do not require user registration or account creation.
While we make every effort to ensure our calculators reflect the most current rates and regulations, SmartSalaryTool.com:
Users are strongly encouraged to verify all results with their employer's HR or payroll department, or consult the official portals of the BIR, SSS, PhilHealth, and Pag-IBIG before making any financial decisions.
This Website has no official relationship with the following agencies, and does not represent their positions or data:
All contribution rates, tax tables, and labor law references are sourced from publicly available official circulars and are used strictly for educational purposes.
All content on SmartSalaryTool.com — including but not limited to text, calculator logic, graphics, logos, blog articles, and design — is the intellectual property of SmartSalaryTool.com and its creators, unless otherwise noted.
You may:
You may not:
By using this Website, you agree not to:
We reserve the right to block access to users who violate these conduct standards.
SmartSalaryTool.com may contain links to external websites, including official government portals (BIR, SSS, PhilHealth, Pag-IBIG) and third-party financial resources.
We are not responsible for the content, accuracy, or privacy practices of any third-party websites. Links are provided for convenience and reference only. Visiting third-party sites is at your own discretion and risk.
This Website uses the following third-party services:
Please refer to Google's Privacy Policy for information on how they handle user data.
To the fullest extent permitted by applicable Philippine law, SmartSalaryTool.com, its owners, editors, and contributors shall not be liable for:
By using this Website, you expressly acknowledge that you use our tools at your own risk and that we provide them on an "as-is" and "as-available" basis without warranties of any kind.
Your use of SmartSalaryTool.com is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
We use cookies for the following purposes:
You may decline non-essential cookies via the cookie consent banner displayed on your first visit. Declining cookies will not prevent you from using our calculators.
Important: SmartSalaryTool.com does not store, transmit, or share any salary figures or personal financial data you enter into our calculators. All calculations are performed locally in your browser.
SmartSalaryTool.com reserves the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page, with the "Last Updated" date revised accordingly.
Continued use of the Website after any changes constitutes your acceptance of the new Terms. We encourage you to review this page periodically.
Material changes (such as changes to data handling or liability clauses) will be announced via a notice on the Website homepage.
These Terms of Service shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law provisions.
Any disputes arising from the use of SmartSalaryTool.com shall be subject to the exclusive jurisdiction of the appropriate courts of the Philippines.
If any provision of these Terms is found to be unenforceable or invalid under Philippine law, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
If you have any questions, concerns, or requests regarding these Terms of Service, please contact us:
We aim to respond to all inquiries within 2–3 business days.
