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Legal Agreement

Terms of Service & User Agreement

Last updated: September 2026

These Terms of Service ('Terms') constitute a legally binding agreement between you ('User', 'you', or 'your') and ZupCore ('we', 'us', or 'our') governing your access to and use of the ZupCore platform, including any associated subdomains, web applications, and services.

1. Acceptance of Terms

By creating an account, accessing, or utilizing any portion of ZupCore, you acknowledge that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy. If you do not agree with any provision of these Terms, you must immediately discontinue use of the platform.

2. Description of Services & Platform Scope (Self-Service Tracker Only)

ZupCore provides self-service calculation, financial tracking, and personal record-keeping software utilities designed for Philippine freelancers, remote contractors, employees, and micro-agencies, including:

  • Philippine statutory contribution estimation and tracking (Social Security System, PhilHealth, and Pag-IBIG Fund).
  • DOLE Presidential Decree No. 851 pro-rated 13th month pay accrual computation.
  • Bureau of Internal Revenue (BIR) tax modeling comparing the 8% gross income flat tax and TRAIN graduated tax schedules.
  • Cryptographically verifiable Proof of Income & Compensation Vouchers based on user-entered financial logs.
  • Micro-agency multi-organization management and batch payslip calculation.

3. Professional Disclaimer & Government Non-Affiliation (Tracker Only)

ZupCore is strictly an informational software tracking and calculation utility. ZupCore is not a certified public accounting (CPA) firm, tax advisory, legal consultancy, or tax preparation service, nor is it an official tax filing agent. ZupCore does not file, transmit, or submit tax returns to the Bureau of Internal Revenue (BIR), nor does it remit payments or contributions to government bodies.

Government Non-Affiliation: ZupCore is an independent private software platform and is NOT affiliated with, authorized by, sponsored by, or endorsed by the Bureau of Internal Revenue (BIR), the Department of Labor and Employment (DOLE), the Social Security System (SSS), the Philippine Health Insurance Corporation (PhilHealth), the Home Development Mutual Fund (Pag-IBIG), or any other Philippine government agency.

User Sole Responsibility: All tax estimates (such as BIR Form 1701Q quarterly projections, ₱250k exemption tracking, and 8% flat vs. graduated rate comparisons) and statutory schedules are automated mathematical simulations based on self-reported user inputs. You remain solely responsible for verifying computations, meeting statutory deadlines, and filing and paying your taxes directly with the BIR and relevant authorities. Use of ZupCore does not create an accountant-client, attorney-client, or fiduciary relationship.

4. User Accounts, Authentication & Security

You agree to provide true, accurate, and current information during registration. You are responsible for safeguarding your login credentials and any Time-Based One-Time Password (TOTP) two-factor authentication tokens. You must notify ZupCore immediately of any unauthorized access to your account.

5. Compensation Vouchers & Self-Reported Data

Proof of Income Vouchers and payslips generated by ZupCore reflect self-reported data inputted by you or your organization. ZupCore does not verify income with third-party banks, financial institutions, or external employers. You affirm that all logged hours, client contracts, and earnings represent authentic financial records. Generating falsified or fraudulent documents for banking, loan, or visa applications is strictly prohibited and constitutes a material violation of these Terms.

6. Limitation of Liability & Governing Law

To the maximum extent permitted under applicable Philippine law, ZupCore and its operators shall not be liable for any indirect, incidental, punitive, or consequential damages, or any tax penalties, surcharges, or interest imposed by the BIR or statutory agencies resulting from reliance on the platform. These Terms are governed by and construed in accordance with the laws of the Republic of the Philippines.