Terms of Service

Last updated: December 2025

Agreement to Terms

By accessing and using Pinoy Benefits (pinoybenefits.com), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using this site.

Use of Services

Permitted Use

You may use our website and calculators for:

  • Personal, non-commercial purposes
  • Estimating your government contributions and deductions
  • Educational and reference purposes

Prohibited Use

You may not:

  • Use the site for any unlawful purpose
  • Attempt to gain unauthorized access to our systems
  • Interfere with the proper functioning of the website
  • Scrape or copy content without permission
  • Use automated systems to access the website in a manner that sends more requests than a human could reasonably produce

Calculator Accuracy

Our calculators are designed to provide estimates based on publicly available information about SSS, Pag-IBIG, PhilHealth, and Philippine tax regulations. While we strive for accuracy:

  • Results are for informational purposes only
  • Actual contributions may vary based on your specific circumstances
  • We recommend verifying results with official government agencies
  • Contribution rates and brackets may change; we update our tools periodically but cannot guarantee real-time accuracy

Intellectual Property

The content on this website, including text, graphics, logos, and software, is the property of Pinoy Benefits and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of any third-party sites. Visiting these links is at your own risk.

Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PINOY BENEFITS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE WEBSITE OR RELIANCE ON CALCULATOR RESULTS.

Indemnification

You agree to indemnify and hold harmless Pinoy Benefits from any claims, damages, or expenses arising from your use of the website or violation of these Terms.

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the website after changes constitutes acceptance of the new Terms.

Governing Law

These Terms 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.

Contact

For questions about these Terms of Service, please contact us at:

Email: legal@pinoybenefits.com