Terms of Service

Last updated: September 2026

Using these tools

SMBkits provides free calculators and generators for informational purposes. They are provided to help you make faster estimates; you remain responsible for decisions made using their output.

Accuracy of results

Results depend entirely on the numbers you enter. We do not guarantee that any calculation matches your actual accounting, tax, or legal position, and these tools are not a substitute for professional accounting, tax, or legal advice.

No cost, no account

These tools are free and do not require an account. We may display advertising to support the cost of running the site; see our Privacy Policy for details.

Limitation of liability

These tools are provided "as is," without warranty of any kind. To the maximum extent permitted by law, SMBkits is not liable for indirect, incidental, or consequential damages arising from use of a tool, including decisions made based on its output.

Changes

We may update these terms from time to time. Continued use of the site after a change constitutes acceptance of the updated terms.