Terms of Service
Please read these terms carefully before using PisoWise
Acceptance of Terms
By accessing and using PisoWise, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by these terms, please do not use this service.
Service Description
PisoWise is a free Philippine Net Income Calculator that provides estimates of salary deductions and take-home pay based on current government contribution rates and tax regulations.
Our calculator supports various employment types and payroll periods to help Filipino employees understand their potential net income.
Disclaimer of Warranties
IMPORTANT: All calculations are estimates only and should not be used as the sole basis for financial decisions.
We do not guarantee the accuracy, completeness, or reliability of any calculations
Government rates and regulations may change without notice
Individual circumstances may affect actual deductions and taxes
We are not affiliated with any government agencies (SSS, GSIS, PhilHealth, Pag-IBIG, BIR)
User Responsibilities
By using PisoWise, you agree to:
Use the service for lawful purposes only
Verify all calculations with official sources before making financial decisions
Not hold us liable for any financial decisions based on our estimates
Respect the intellectual property rights of our website and content
Prohibited Uses
You may not use PisoWise to:
Provide professional financial or tax advice to others
Reproduce, distribute, or create derivative works of our content
Attempt to reverse engineer or extract our calculation algorithms
Use the service in any way that could damage or impair our website
Intellectual Property
The content, design, and calculation methodologies of PisoWise are protected by copyright and other intellectual property laws. All rights are reserved to PisoWise.
Limitation of Liability
PisoWise shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use our service.
This includes, but is not limited to, damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.
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.
Changes to Terms
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on this page. Your continued use of PisoWise after any changes constitutes acceptance of the new terms.
Contact Information
For questions about these Terms of Service, please visit our contact page for ways to reach us.
Contact Us