Terms of Service

These Terms of Service (“Terms”) are a binding agreement between you and stevenrugg.dev LLC dba Withholden (A California LLC, B20250338292) (“Withholden,” “we,” “us”) governing your use of the Withholdenapplication and services (the “Service”). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. What Withholden does

Withholden helps gig and self-employed workers set aside money for taxes. It lets you link a bank account, identify your 1099 income, and automatically sweep a percentage you choose into a dedicated tax vault. When you direct it to, the Service can help you move funds out to make estimated-tax payments. Withholden is a savings and money-movement tool — it does not file your tax returns for you.

2. Not tax, legal, or financial advice

Withholden is operated by a licensed and bonded tax preparer registered in California (CTEC Registration Number A366030, PTIN P03266332) and bonded under RLI Surity Policy # MBS0125581. However, unless you separately and expressly engage us for tax-preparation services in writing, your use of the Service does not create a preparer-client relationship, and the Service does not provide personalized tax, legal, accounting, or investment advice.

Withholding percentages, suggested rates, and projections in the app are estimates intended to help you save. They are not a guarantee of your actual tax liability, and they do not ensure you will avoid underpayment penalties. You are responsible for filing accurate returns and paying the correct amount on time. Consult the IRS or a qualified professional about your specific situation. See our IRS guidelines page for general information.

3. Eligibility and your account

You must be at least 18 years old and a U.S. resident with authority to link the bank account you connect. You agree to provide accurate information, to keep your login credentials secure, and to be responsible for activity under your account. You must complete identity verification to use the vault.

4. Payments processing and Stripe

Money movement, identity verification, and your tax vault are powered by Stripe. By using the Service you also agree to the Stripe Connected Account Agreement and applicable Stripe Services Agreement. Your vault is a Stripe-powered account; availability of funds, transfer timing, and ACH processing are subject to Stripe and your bank's terms and timelines. You authorize Withholden to initiate the transfers (sweeps and payouts) you request or schedule.

5. Subscription, free trial, and billing

• Price. Withholden costs $8/month, billed monthly.
• Free trial. New subscribers receive a 14-day free trial. We collect a payment method at sign-up. If you do not cancel before the trial ends, your paid subscription begins automatically and the monthly fee is charged.
• Renewal. Subscriptions renew automatically each month until cancelled.
• Cancellation. You may cancel anytime from Settings → Manage subscription (the Stripe billing portal). Cancellation takes effect at the end of the current billing period.
• Refunds. Except where required by law, monthly fees are non-refundable. The free trial is your opportunity to evaluate the Service.
• Changes. We may change pricing with advance notice; changes apply to future billing periods.

An active subscription or trial is required to access vault features.

6. Your responsibilities

• Correctly tagging which deposits are taxable 1099 income — the Service acts on your tags.
• Maintaining sufficient funds in your linked bank account for the sweeps you authorize.
• Filing your tax returns and making payments on time; the Service may help you save and remit, but the legal obligation is yours.
• Using the Service lawfully and only for your own accounts.

7. Acceptable use

You agree not to misuse the Service, including by attempting unauthorized access, interfering with its operation, using it for money laundering or unlawful purposes, or providing false information. We may suspend or terminate accounts that violate these Terms or that we reasonably believe present legal or fraud risk.

8. Disclaimers

The Service is provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that savings estimates will match your actual tax outcome.

9. Limitation of liability

To the maximum extent permitted by law, Withholden and its operators will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for tax penalties, interest, or lost funds arising from bank delays, incorrect income tagging, or your failure to file or pay. Our total liability for any claim relating to the Service will not exceed the amount you paid us in the twelve months before the claim.

10. Indemnification

You agree to indemnify and hold harmless Withholden and its operators from claims arising out of your misuse of the Service, your violation of these Terms, or your tax filings and payments.

11. Termination

You may stop using the Service and close your account at any time. We may suspend or terminate access for violations of these Terms or as required by law. Certain provisions (disclaimers, limitations of liability, and indemnification) survive termination.

12. Governing law & disputes

These Terms are governed by the laws of California, without regard to conflict-of-laws rules. The courts located in California will have jurisdiction over disputes, except where applicable law provides otherwise.

13. Changes to these Terms

We may update these Terms from time to time. Material changes will be posted here with a new effective date and, where appropriate, notified in the app. Continued use after changes take effect constitutes acceptance.

14. Contact

Questions about these Terms? Email support@withholden.com.