Terms of Service

Effective October 30, 2026

These Terms of Service ("Terms") are an agreement between you and Stephanie Floyd Bradley, doing business as W4Pilot ("W4Pilot," "we," "us"), who offers W4Pilot Withholding Tracker ("W4Pilot"). By creating an account or using W4Pilot, you agree to these Terms.

1. What W4Pilot is

W4Pilot provides simplified estimates of tax withholding, tax liability and related figures for planning. It is not tax, legal or financial advice. It does not prepare or file tax returns. It is not affiliated with the IRS or any state or local tax agency. Tax rules change and individual situations vary; check important decisions with a qualified tax professional.

2. Your account

• You must be at least 18 years old to create an account.
• Give accurate information and keep your login details private. You're responsible for activity on your account.
• One account is for one person. Don't share your account.
• Never enter a Social Security number, taxpayer ID, bank or card number in W4Pilot. The app is built to refuse numbers shaped like a Social Security number.

3. Plans, free trial and billing

• W4Pilot offers Starter, Plus, Pro and International plans, billed yearly or monthly, at the prices shown on our pricing page when you subscribe.
• Every plan starts with a 14-day free trial. You won't be charged if you cancel before the trial ends. If you don't cancel, your first payment is charged when the trial ends.
• Subscriptions renew automatically at the end of each billing period at the then-current regular price until you cancel. We email a reminder at least 7 days before each yearly renewal.
• If we change a plan's price, we'll tell you by email at least 30 days before the new price applies to your next renewal.

4. Early-adopter offer

The early-adopter price applies to the first year of a yearly plan only. It is available to the first 500 customers or until April 15, 2027, whichever comes first. After the first year, the plan renews at the regular yearly price. The offer can't be combined with other discounts and has no cash value.

5. Payments through Paddle

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle processes payments, collects applicable sales tax or VAT, and handles billing questions and refunds on our behalf. Paddle's own buyer terms also apply to your purchase.

6. Cancelling

You can cancel anytime from Account → Manage billing & receipts. Cancelling stops future renewals. You keep access until the end of the period you've paid for. Refunds are covered by our Refund Policy.

7. Acceptable use

Don't misuse W4Pilot: no attempts to access other people's accounts or data, disrupt the service, copy or resell it, or reverse-engineer it. Don't upload anything unlawful or anything containing other people's personal information.

8. Your data

The information you enter belongs to you. We use it only to run W4Pilot for you, as described in our Privacy Policy. You can download it or delete your account at any time.

9. Our content

W4Pilot, its design, text and software belong to Stephanie Floyd Bradley, doing business as W4Pilot. You may use it for your own personal planning while your subscription is active.

10. Accessibility

We want everyone to be able to use W4Pilot, including people who use screen readers, keyboard-only navigation, magnification or other assistive technology. We design and test W4Pilot against the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA. Some parts may still fall short, and pay stub scanning depends on the photo or PDF you provide. If something in W4Pilot is hard for you to use, email info@w4pilot.com with the page and what happened. We'll reply within 5 business days and work with you on a fix or another way to get the same information.

11. Changes to the service

We update tax figures each tax year and may add, change or remove features. If a change significantly reduces what your plan includes, you may cancel and ask for a prorated refund of the unused period.

12. Disclaimers

W4Pilot is provided "as is." We work to keep its figures accurate and current, but we don't guarantee that any estimate is correct or complete, or that the service will be uninterrupted or error-free. You're responsible for your own tax filings, withholding choices and payments, including any penalties or interest.

13. Limitation of liability

To the fullest extent the law allows, W4Pilot and its owner aren't liable for indirect, incidental or consequential damages, or for taxes, penalties or interest you owe. Our total liability for any claim is limited to the amount you paid for W4Pilot in the 12 months before the claim.

14. Ending your account

You can delete your account at any time. We may suspend or close accounts that break these Terms, and will tell you why unless the law prevents it.

15. Governing law

These Terms are governed by the laws of the State of Alabama, without regard to its conflict-of-law rules. You may also have rights under the consumer laws of the place where you live, and nothing in these Terms limits those rights.

16. Changes to these Terms

If we change these Terms, we'll post the new version with a new effective date and email you about significant changes at least 30 days before they apply.

17. Contact

Stephanie Floyd Bradley, doing business as W4Pilot
P.O. Box 412, Alabaster, AL 35007
info@w4pilot.com