Terms of Service -- IncomeRecord.com

These terms govern your use of IncomeRecord.com and the pay stub generator service. By using the service, you agree to these terms. If you don't agree, don't use the service.

What This Service Is For

IncomeRecord.com exists to help people document income they actually earned in the standard pay stub format that lenders and landlords expect. The intended users are:

• Gig workers (DoorDash drivers, Uber drivers, delivery workers) who earn real income but don't receive employer-issued pay stubs
• Freelancers and independent contractors who need standardized income documentation
• Self-employed people and sole proprietors who pay themselves from business income
• Small business owners who need to generate pay stubs for their employees
• W-2 employees who have lost or cannot access their employer-issued stubs

In all of these cases, the pay stub is documentation of real income. The tool helps format that documentation properly.

Acceptable Use: The Legal Line

There is a clear legal line: using a pay stub that accurately documents real income you actually earned is legal. Using a pay stub that misrepresents income you did not earn — to obtain a loan, rental housing, or any financial product or government benefit — is fraud.

Specifically, if you use a fraudulent pay stub:

• To obtain a mortgage loan or home equity loan, you may be committing bank fraud under 18 U.S.C. § 1344 (up to 30 years in federal prison, $1 million fine)
• To submit an application electronically, you may be committing wire fraud under 18 U.S.C. § 1343 (up to 20 years per count, or 30 years if affecting a financial institution)
• To submit an application through the mail, you may be committing mail fraud under 18 U.S.C. § 1341 (same penalties as wire fraud)
• You may also face state-level forgery, fraud, and false document charges in addition to federal charges

These are serious federal felonies with multi-decade prison exposure. "I found a free tool online" is not a defense. The tool generates a document; what you put in that document is your responsibility.

By using IncomeRecord.com, you represent that the information you enter reflects income you actually earned and that you are using the generated pay stub to document real, accurate income — not to misrepresent income to any party.

What the Service Does and Does Not Provide

IncomeRecord.com provides:

• A calculator that computes federal and state income tax withholding, Social Security, Medicare, and other deductions based on inputs you provide
• A PDF generator that formats these calculations as a standard pay stub document
• Educational content about pay stubs, income documentation, and related topics

IncomeRecord.com does NOT provide:

• Tax advice or tax preparation services
• Legal advice
• Payroll services for business compliance purposes
• Verification or certification that the income documented is accurate or verifiable
• Any guarantee that generated stubs will be accepted by any specific lender, landlord, or third party

The calculations are based on publicly available IRS withholding tables and state tax information, updated periodically. Tax laws change. There may be situations — complex filing statuses, multiple jobs, mid-year changes — where the tool's calculation differs from what a full payroll system would produce. The tool is designed for common scenarios and may not handle edge cases correctly.

Accuracy Disclaimer

We work to keep tax calculations accurate and current, but we make no warranty of accuracy. Tax tables change. States update their withholding rules. We may not update the tool immediately when changes take effect.

The generated pay stub is not a guaranteed-accurate tax document. It is a formatted representation of calculations based on the inputs you provided using the current tables in our system. If precise tax accuracy is critical for your purposes (for example, for a court proceeding, a government benefit application, or official payroll records), consult a licensed tax professional or CPA.

User Responsibilities

You are responsible for:

• Ensuring that all information you enter is accurate and reflects your actual income and employment situation
• Using the generated pay stub only to document income you actually earned
• Understanding that IncomeRecord.com cannot verify your income and is relying on what you enter
• Complying with all applicable laws regarding income documentation in your jurisdiction
• Any consequences arising from inaccuracies in information you provide

Intellectual Property

The IncomeRecord.com website, generator software, and associated content are owned by IncomeRecord.com. You may use the service to generate pay stubs for your own legitimate use. You may not:

• Attempt to reverse-engineer, copy, or replicate the generator or calculation logic
• Use automated tools to generate stubs in bulk without our written permission
• Resell access to the generator or charge others to generate stubs using our platform
• Remove or obscure any notices or attributions in generated documents

Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT:

• THE SERVICE WILL BE AVAILABLE AT ALL TIMES OR WITHOUT INTERRUPTION
• CALCULATIONS WILL BE ERROR-FREE OR MATCH CALCULATIONS BY A LICENSED PAYROLL SERVICE
• GENERATED PAY STUBS WILL BE ACCEPTED BY ANY PARTICULAR LENDER, LANDLORD, OR OTHER THIRD PARTY
• THE SERVICE WILL MEET YOUR SPECIFIC REQUIREMENTS

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INCOMERECORD.COM AND ITS OPERATORS SHALL NOT BE LIABLE FOR:

• ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOST PROFITS, LOST REVENUE, OR LOST BUSINESS OPPORTUNITIES
• DAMAGES ARISING FROM YOUR RELIANCE ON CALCULATIONS GENERATED BY THE SERVICE
• DAMAGES ARISING FROM A THIRD PARTY'S REJECTION OF A GENERATED PAY STUB
• DAMAGES ARISING FROM YOUR USE OF THE SERVICE FOR FRAUDULENT PURPOSES

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID FOR THE SERVICE IN THE TWELVE MONTHS PRECEDING THE CLAIM. FOR FREE TIER USERS, THIS MEANS ZERO DOLLARS.

Indemnification

You agree to indemnify and hold harmless IncomeRecord.com and its operators from any claims, damages, liabilities, costs, or expenses (including attorney's fees) arising from: (a) your use of the service; (b) any inaccuracies in information you provided; (c) your violation of these terms; or (d) your fraudulent use of any generated documents.

Changes to the Service or Terms

We may modify these terms at any time. Continued use of the service after changes constitutes acceptance of the new terms. We will make reasonable efforts to notify users of material changes.

We may modify, suspend, or discontinue the service at any time without notice. Free tier services have no service level agreement and may be modified or discontinued at any time.

Governing Law

These terms are governed by the laws of the jurisdiction in which IncomeRecord.com operates, without regard to conflict of law principles. Any disputes will be resolved in the courts of that jurisdiction.

Severability

If any provision of these terms is found unenforceable, the remaining provisions continue in full force. An unenforceable provision will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible.

Entire Agreement

These terms, together with the Privacy Policy, constitute the entire agreement between you and IncomeRecord.com regarding the service and supersede any prior agreements.

Contact

Questions about these terms can be submitted through the feedback form on the generator page. We take the legitimate-use mission of this product seriously and are happy to clarify what the service is and isn't designed for.