1. Acceptance of Terms
By accessing or using Contractor Cost Hub (the "Site"), you agree to be bound by these Terms of Service. If you do not agree, please discontinue use of the Site. We may update these terms from time to time; continued use after changes are posted constitutes acceptance of the revised terms.
2. Estimates Only — Not Professional Advice
All calculators, cost ranges, and figures published on this Site — including surety bond premiums, license costs, tax estimates, startup costs, and insurance premiums — are general estimates for informational and planning purposes only. They are not quotes, guarantees, or offers of any product or service, and they do not constitute legal, financial, tax, insurance, or professional advice. Actual costs vary by state, license class, provider, credit profile, and many other factors. You should independently verify all figures with the relevant state licensing board, surety agency, insurance carrier, or a qualified CPA or attorney before making any business decision.
3. No Guaranteed Outcomes
Nothing on this Site guarantees that you will be approved for a license, bond, or insurance policy, or that your actual tax liability will match any estimate produced by the tax calculator. Licensing boards, sureties, insurers, and tax authorities make independent determinations based on your full application and financial situation.
4. Acceptable Use
You agree not to:
- Use automated systems to scrape, copy, or republish substantial portions of the Site without permission;
- Attempt to interfere with, disrupt, or gain unauthorized access to the Site or its infrastructure;
- Use the Site for any unlawful purpose or in violation of applicable regulations;
- Misrepresent calculator output as an official quote or guaranteed price from Contractor Cost Hub.
5. Intellectual Property
The text, design, calculators, and graphics on this Site are owned by Contractor Cost Hub or its licensors and are protected by copyright and other intellectual property laws. You may view and use the Site for personal, non-commercial business planning purposes. You may not reproduce, distribute, or create derivative works from Site content without prior written permission.
6. Third-Party Links & Advertising
This Site displays third-party advertising, including through Google AdSense, and may link to external resources such as state licensing boards. We do not control and are not responsible for the content, accuracy, or practices of third-party sites. See our Privacy Policy and Cookie Policy for details on advertising cookies.
7. Disclaimer of Warranties
The Site and all content are provided "as is" and "as available" without warranties of any kind, express or implied, including accuracy, completeness, or fitness for a particular purpose. We do not warrant that calculator results are error-free or that they reflect current fee schedules in every jurisdiction.
8. Limitation of Liability
To the fullest extent permitted by law, Contractor Cost Hub and its owners, contributors, and affiliates will not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or reliance on, information provided through this Site, including business decisions made based on calculator estimates.
9. Governing Law
These Terms are governed by the laws of the United States and the state in which Contractor Cost Hub operates, without regard to conflict-of-law principles, except where local consumer protection laws (such as GDPR or CCPA, addressed in our Privacy Policy) provide otherwise.
10. Contact
Questions about these Terms can be directed through the contact information listed in our site footer.