1. Acceptance of Terms

By using MySweldo, you confirm that you have read, understood, and agreed to these Terms and Conditions. You represent that you are at least 18 years of age or have legal parental consent to use this service.

2. Nature of Service

MySweldo is a free tool provided for informational and estimation purposes only. Our calculations are based on the latest available data from:

• The Bureau of Internal Revenue (BIR) regarding the TRAIN Law (RA 10963).
• PhilHealth (RA 11223) and Pag-IBIG Fund (RA 9679) contribution schedules.
• The Social Security System (SSS) updated contribution rates.

3. No Professional Advice

MySweldo does not provide financial, legal, or tax advice. While our formulas are designed to reflect Philippine labor laws, they should not be used as the final basis for tax filing or payroll disputes.

Important: Your actual take-home pay may vary based on company-specific policies, such as deminimis benefits, loan deductions, or union dues which are not factored into our general calculations. Always consult with a certified public accountant (CPA) or your HR payroll department for final figures.

4. Accuracy & Disclaimer of Liability

While we strive for 100% accuracy, MySweldo is provided on an "as is" and "as available" basis.

• User Error: We are not responsible for errors resulting from incorrect data entry by the user.
• Policy Changes: Tax tables and government contribution rates change frequently. We do not guarantee that the app will reflect real-time updates instantly.
• Limitation: MySweldo, its developers, and affiliates shall not be liable for any financial loss, penalties, or damages resulting from the use or inability to use this application.

5. Intellectual Property

The design, code, and original content of MySweldo are the exclusive property of Jemriz Miles Damian. You may not scrape, frame, or commercially redistribute our tool without express written consent.

6. AdSense & Third-Party Cookies

As a user, you acknowledge that MySweldo may use third-party vendors, including Google Adsense, which use cookies to serve ads based on your visits to this and other websites. Please review our Privacy Policy for more details on how to opt-out.

7. Contact Us

For questions regarding these terms, please reach out via email.

Last Updated: February 20, 2026