Terms of Use
Last updated: January 23rd, 2026
1. Agreement to Terms
These Terms of Use constitute a legally binding agreement made between you and 45F.org ("we," "us," or "our"), concerning your access to and use of the 45f.org website (the "Site") and any related services (collectively, the "Services").
By accessing the Site, you agree that you have read, understood, and agree to be bound by all of these Terms of Use. If you do not agree with all of these terms, then you are expressly prohibited from using the Site and must discontinue use immediately.
2. Use of Calculators & Estimates
The calculators and estimation tools provided on this Site are for informational purposes only. While we strive to use the most current data available (including 2026 projections under the One Big Beautiful Bill Act), we do not guarantee the accuracy, completeness, or reliability of any estimates.
- No Professional Advice: The content on this Site is not intended to be a substitute for professional financial, legal, or tax advice. Always seek the advice of a qualified tax professional or CPA for your specific situation.
- Variability: Actual tax credits will vary based on your specific business size, qualified expenses, and individual circumstances. Final IRS guidance may affect calculations.
3. User Representations
By using the Site, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you have the legal capacity and you agree to comply with these Terms of Use; (3) you are not a minor in the jurisdiction in which you reside; and (4) you will not access the Site through automated or non-human means, whether through a bot, script, or otherwise.
4. Lead Generation & Communications
By submitting a form on our Site (such as the "Need Some Help?" contact form), you explicitly authorize us to:
- Contact you via email regarding your inquiry.
- Share your information with relevant third-party partners (such as tax consultants or child care benefit providers) to fulfill your request.
- Send you newsletters or updates related to Section 45F and child care tax credits, which you may opt-out of at any time.
5. Intellectual Property Rights
Unless otherwise indicated, the Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by 45F.org, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
6. Prohibited Activities
You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us. Prohibited activities include:
- Systematically retrieving data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
- Using the Site to advertise or offer to sell goods and services.
- Engaging in unauthorized framing of or linking to the Site.
7. Disclaimer of Warranties
THE SITE AND SERVICES ARE PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF.
8. Limitation of Liability
IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
9. Modifications and Interruptions
We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. We also reserve the right to modify or discontinue all or part of the Services without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site or Services.
10. Governing Law
These Terms shall be governed by and defined following the laws of the United States. 45F.org and yourself irrevocably consent that the courts of the United States shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these terms.
11. Contact Us
In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact us at: