Terms of Service

Lumsyl is a planning tool for the self-employed. The tool is not open yet. Right now this site does two things: it explains what the tool will do, and it takes an email address for the launch list.

These terms cover that. They are short because the site is small. We will replace them with fuller terms before the tool itself opens.

Agreeing to these terms

By accessing or using this site, you agree to these terms. If you do not agree, do not use the site.

You must be at least 18 years old to use this site or to join the launch list. This site is not directed at children, and we do not knowingly collect information from anyone under 13.

This site is informational

Everything on this site — including any explanation, example, or estimate relating to taxes, income, deductions, health coverage, or business structure — is general information published for educational purposes.

It is not tax advice, legal advice, financial advice, accounting advice, or investment advice. Reading it does not create a professional relationship of any kind between you and us. We do not know your situation, and nothing here is tailored to it.

Tax and benefit rules change, vary by state, and depend on facts specific to each person. Before you act on anything you read here, talk to a qualified professional who can look at your actual circumstances.

Estimates are estimates

Where the site shows a number, that number is an illustration produced by a model from assumptions. It is not a determination of what you owe, what you will receive, or what any agency will decide. Real outcomes differ.

We try to keep the site accurate and current, but we do not promise that it is either. Content may be incomplete, out of date, or wrong.

No warranties

The site is provided as is and as available, without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

We do not promise the site will be uninterrupted, error-free, or secure.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, consequential, special, or punitive damages, or for any lost profits, lost savings, lost data, or tax penalties or interest, arising out of or relating to your use of this site or your reliance on anything published on it.

To the fullest extent permitted by law, our total liability for any claim relating to this site will not exceed the greater of one hundred U.S. dollars ($100) or the amount you paid us in the twelve months before the claim arose.

Some jurisdictions do not allow certain exclusions or limitations, so parts of this section may not apply to you.

Other sites we link to

We sometimes link to government agencies, publications, and other outside sites. We do not control them and are not responsible for their content, accuracy, or availability. A link is not an endorsement.

The launch list

If you give us your email address, we will use it to tell you when early access opens and to share occasional updates about the product. You can unsubscribe from any email we send, or write to privacy@lumsyl.com and ask to be removed.

Joining the list does not entitle you to access, to a particular price, or to anything else. We may change the product, change the timeline, or decide not to launch at all.

How we handle your email address is described in our Privacy Policy.

Using the site

Do not use this site to break the law, interfere with how it runs, attempt to gain access to systems or data you are not authorized to reach, scrape it at a volume that degrades it for others, or misrepresent it as your own.

The name, content, design, and code of this site belong to us. You are welcome to read it, link to it, and quote it with attribution. You may not copy it wholesale or present it as yours.

Changes

We may update these terms. If we do, the effective date at the top changes with it. If the change is significant — for example, when accounts and paid plans open — we will say so on the site rather than quietly editing this page.

Governing law

These terms are governed by the laws of the State of Nevada, without regard to its conflict of laws rules. Any dispute will be brought in the state or federal courts located in Clark County, Nevada.

If part of this does not hold

If any part of these terms is found unenforceable, that part is limited or removed to the minimum extent necessary and the rest stays in effect. If we do not enforce something right away, we have not given up the right to enforce it later.

Who is responsible

Lumsyl is an independent product, currently operated as a sole proprietorship. This page will be updated with the formal legal entity once it is established.

Questions about these terms: hello@lumsyl.com
Privacy questions: privacy@lumsyl.com