Is this tax advice?
No — and the kit says so on every screen. It is an educational estimator plus record-keeping templates. It does not file returns, does not review or sign anything, and does not know your full situation. Use its numbers to organize and prepare, then confirm with a licensed tax professional before you act.
Does it connect to my bank? Where does my data go?
No connection, ever. The estimator is an offline HTML file; the trackers are CSVs that live wherever you keep them. Nothing uploads, nothing syncs, nothing to breach. You transcribe numbers from your statements — ten minutes a week is the whole price of that privacy.
Which countries does it cover?
The calculator ships with a US-federal rule pack (thresholds, SE tax, quarterly dates, safe harbor — each with an as-of date and source links) and organizer mini-packs for Germany and France that carry deadlines and preparation questions but deliberately no rates. For any jurisdiction, the rule pack is an editable JSON: verify the numbers on the official page, enter them, and the arithmetic is shown.
What happens when tax rules change?
That is why the rules are a separate, readable file. Each January (and whenever an authority changes a rate mid-year), you re-check the linked sources, update the JSON, and load it into the estimator — a fifteen-minute job the CUSTOMIZE guide walks through. v1.x rule-pack refreshes are free to buyers.
What is the refund policy?
If the kit doesn't fit how you work, email the support address within 30 days of purchase and you get a full refund — the files are yours to keep or delete. One refund per purchase; we only ask for optional feedback.
Aren't there free alternatives?
For bookkeeping, yes — and for internal alerts we'd point you at them. But the free tiers stop where this kit starts: a quarterly estimator whose math you can read, tied to records you own, with deadlines and the honest scope of what a template may say. It is one payment for the year's paperwork spine, not another subscription to cancel.
