Effective Date: June 1, 2026
Company: WorkMade Technologies, Inc., a Delaware corporation
Registered Office: 2261 Market Street, Suite 85249, San Francisco, CA 94114
Legal Notices: legal@workmade.com
Support: help@workmade.com
These Terms of Service ("Terms") are a binding contract between you and WorkMade Technologies, Inc. ("WorkMade," "we," "us," or "our") governing your access to and use of the WorkMade websites, applications, and services (collectively, the "Service"). Please read them carefully.
By creating an account, clicking "I agree," or otherwise accessing or using the Service, you agree to these Terms, including the binding arbitration agreement and class-action waiver in Section 17 and the limitations of liability in Sections 14 and 15. If you do not agree, do not use the Service.
IMPORTANT — PLEASE READ: WorkMade is a software tool that helps you organize your income and expenses, estimate potential taxes, and set aside funds. WorkMade is not a certified public accounting (CPA) firm, a law firm, a tax-return preparer, an investment adviser, or a bank, and does not provide tax, legal, accounting, financial, or investment advice. WorkMade's tax outputs are estimates and drafts, not professional advice and not filed tax returns. You are solely responsible for the accuracy of your information and for any tax return you file. See Sections 3, 4, and 5.
You must be at least 18 years old, a resident of the United States, and able to form a legally binding contract to use the Service. By using the Service you represent that you meet these requirements. If you use the Service on behalf of a business or other entity, you represent that you are authorized to bind that entity, and "you" refers to that entity.
You agree to provide accurate, current, and complete information and to keep it up to date. You are responsible for all activity under your account and for maintaining the confidentiality of your login credentials.
You accept these Terms through a click-through ("clickwrap") process at sign-up and, where we make material changes, through a renewed acceptance process described in Section 21. We keep records of your acceptance, including the date and version of the Terms you accepted.
Keep your credentials confidential and enable the security features we offer, including two-factor authentication. Notify us immediately at help@workmade.com if you suspect unauthorized access to your account. We are not liable for losses arising from your failure to safeguard your credentials, except to the extent such losses result from our own failure to use reasonable care.
The Service may include, among other features: connecting your financial accounts through third-party account-aggregation providers; automated categorization of your transactions; estimation of potential federal, state, and self-employment taxes; generation of draft tax-related forms and worksheets; an optional automated AI voice assistant and chat features that help collect and organize your information; a tax-reserve feature that helps you set aside funds for taxes through third-party payment and money-services providers; and paid subscriptions.
We may add, change, suspend, or discontinue any part of the Service at any time. Some features rely on third-party services and are subject to their availability and terms (see Section 12).
WorkMade is a self-service software tool. WorkMade is not a CPA firm, law firm, tax-return preparer, enrolled agent, broker, investment adviser, or financial planner, and nothing in the Service constitutes tax, legal, accounting, financial, or investment advice. Using the Service does not create any professional, fiduciary, attorney-client, or accountant-client relationship between you and WorkMade.
You — not WorkMade — make all substantive decisions about your taxes, including what income to report, which deductions or credits to claim, your filing status, and how you classify your business and expenses. WorkMade presents information, estimates, and suggestions for your review; you decide whether and how to use them. WorkMade does not hold a Preparer Tax Identification Number (PTIN), is not registered as a tax-return preparer in any state, and does not prepare, sign, or file tax returns on your behalf.
For advice about your specific situation, consult a qualified, licensed tax professional (such as a CPA, attorney, or enrolled agent).
Any tax calculation, estimate, projection, set-aside amount, worksheet, or pre-filled form the Service produces is an estimate and draft only, based on the information available to us and on assumptions and tax rules that change frequently and vary by jurisdiction.
WorkMade does not warrant or guarantee that any estimate, calculation, or generated form is accurate, complete, current, or suitable for filing, or that any deduction, credit, or position is allowable for you. Generated forms are drafts for your review and are not filed tax returns until you (or a professional you engage) review, approve, and file them with the applicable taxing authority.
Tax-jurisdiction coverage is limited. The Service supports only certain federal and state computations and may not support your state, locality, or situation. Where a jurisdiction is unsupported, the Service does not produce a reliable estimate for it.
You are solely responsible for reviewing all outputs, for the accuracy and completeness of your tax filings, and for any tax, penalty, interest, or other amount assessed by any taxing authority. WorkMade has no obligation to pay or reimburse any such amount.
The Service uses artificial intelligence and machine-learning technologies, including an automated AI voice assistant, automated transaction categorization, automated parsing of documents you upload (such as W-2 and 1099 forms), and AI-generated suggestions (such as potential write-offs). These are referred to as "AI Features."
AI Features are automated and can make mistakes. They may produce output that is inaccurate, incomplete, outdated, or not appropriate to your situation, and they may "hallucinate" or misread documents. AI output is not professional advice and is not a substitute for your own review or for advice from a qualified professional.
You must review and confirm all AI-generated output — including categorizations, parsed document values, suggestions, and estimates — before relying on it. You are solely responsible for verifying accuracy and for any decision you make based on AI output. To the fullest extent permitted by law, WorkMade disclaims all liability for your reliance on AI Features.
If you use the optional automated AI voice assistant, you are interacting with an automated system, not a human. Your session may be recorded and transcribed so we can collect and organize the information you provide and create a record you can review. We obtain your consent before recording, and you can choose to provide your information another way. See our Privacy Policy for how voice data is handled.
Subject to these Terms, we grant you a personal, non-exclusive, non-transferable license to use AI output generated for you for your own tax-preparation and financial-organization purposes. Some AI output may not be protected by intellectual-property law due to its automated origin. You may not: (a) use AI Features or their output to provide tax-preparation or financial services to third parties for compensation without all required licenses; (b) misrepresent AI output as having been reviewed or verified by a tax professional; (c) use AI Features to generate false or fraudulent information; or (d) attempt to reverse-engineer, extract, scrape, or replicate our models, or use output to train a competing model or service.
You agree to use the Service only for lawful purposes and in accordance with these Terms. You will not: (a) violate any law or third party's rights; (b) provide false, misleading, or fraudulent information; (c) access the Service through automated means except as we expressly permit; (d) interfere with, disrupt, probe, or attempt to gain unauthorized access to the Service or its systems; (e) introduce malware or harmful code; (f) reverse engineer or copy the Service except as permitted by law; (g) resell, sublicense, or commercially exploit the Service without our written consent; or (h) use the Service on behalf of another person without authorization.
You are responsible for the accuracy and legality of all information and documents you provide, and for maintaining your own records and documentation to support your tax positions.
The Service may let you set aside funds for taxes by transferring money between a bank account you connect and a reserve account held through our third-party payment and money-services providers (the "Tax-Reserve Feature"). When you initiate or authorize a transfer, you authorize the applicable provider and WorkMade to debit or credit your connected account by electronic funds transfer (ACH) according to your instructions and the separate authorization you provide.
WorkMade is not a bank, is not a money transmitter, and does not itself hold your funds or provide deposit accounts. Funds in the Tax-Reserve Feature are held by our third-party providers and/or their partner financial institutions, not by WorkMade. WorkMade is not FDIC-insured. FDIC deposit insurance, where available, protects only against the failure of an insured depository institution and does not protect against the insolvency or failure of WorkMade or any non-bank provider, or against any loss while funds are in transit. Your access to funds depends on the continued performance of these providers.
Electronic fund transfers are subject to the error-resolution rights and disclosures provided to you separately (including under the federal Electronic Fund Transfer Act and Regulation E) and to the separate ACH authorization terms you agree to when you set up transfers. If you believe an error or unauthorized transfer has occurred, contact us promptly at help@workmade.com so we and our providers can investigate. Transfers may be delayed, returned, or reversed by the banks or providers involved, and transfer timing is not guaranteed.
Some features require a paid subscription. By subscribing, you authorize us and our payment processor to charge your payment method the applicable fees, including any taxes, on a recurring basis as described at sign-up.
Your subscription automatically renews. Unless you cancel, your subscription (including any free or discounted trial that converts to paid) will automatically renew at the end of each billing period, and we (through our payment processor) will charge your payment method the then-current price for the next period until you cancel. We disclose the price, billing frequency, and how to cancel before you subscribe, and we obtain your affirmative consent to these automatic-renewal terms.
You may cancel at any time, and cancellation is as easy as signing up. You can cancel online in your account settings or by contacting help@workmade.com. Cancellation stops future renewals; you will retain access through the end of your current paid period unless you request otherwise. We will send any renewal reminders and advance notice of price changes required by law.
We may change our fees prospectively. We will provide advance notice of any price increase and the opportunity to cancel before it takes effect, as required by law. Except where required by law or expressly stated, fees are non-refundable and there are no refunds or credits for partial periods. If you initiate a chargeback or payment dispute, we may suspend or terminate your account.
To provide the Service, you grant WorkMade a limited, revocable authorization to act as your limited agent solely to: (a) access and retrieve your financial-account information from accounts you connect, through third-party account-aggregation providers, using credentials or tokens you provide; (b) initiate the funds transfers you authorize under Section 7; (c) prepare draft tax estimates, worksheets, and forms from your information; and (d) communicate on your behalf with third parties you specifically direct us to, in each case only to the extent permitted by law and these Terms.
You may revoke this authorization at any time by disconnecting your accounts or closing your account, except to the extent we have already acted in reliance on it or must retain information by law.
This limited authorization is NOT a power of attorney to represent you before the Internal Revenue Service (IRS) or any taxing authority, and it does NOT authorize WorkMade to sign or file tax returns or other documents on your behalf. WorkMade cannot and does not act as your representative before the IRS. Representation before the IRS or authorization to receive your tax information or e-file on your behalf can be granted only through the IRS's own prescribed forms (such as Form 2848, Form 8821, and Form 8879) and, where representation is involved, only to individuals eligible under IRS Circular 230 (such as attorneys, CPAs, and enrolled agents). No provision of these Terms substitutes for those forms.
You retain ownership of the information, documents, and other content you provide ("Your Content"). You grant WorkMade a worldwide, non-exclusive, royalty-free license to host, store, process, reproduce, and use Your Content as needed to provide, secure, and improve the Service and as described in our Privacy Policy. You represent that you have the rights necessary to provide Your Content and to grant this license.
If you give us feedback or suggestions, you grant us a perpetual, irrevocable, royalty-free license to use them without restriction or obligation to you.
The Service, including its software, design, text, and trademarks, is owned by WorkMade or its licensors and is protected by intellectual-property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for your own purposes in accordance with these Terms. All rights not expressly granted are reserved. You may not use our name, logos, or trademarks without our prior written consent.
The Service relies on third-party providers, including (by category) account-aggregation providers, payment processors, money-services providers and their partner banks, cloud-hosting and infrastructure providers, AI and machine-learning providers, analytics providers, and customer-support tools. Your use of certain features may be subject to those providers' own terms and privacy policies, and when you connect a financial account you may be presented with the aggregation provider's own notice and consent.
WorkMade does not control and is not responsible for third-party services, and we make no warranties about them. Your dealings with third parties are between you and them.
You may stop using the Service and close your account at any time. We may suspend or terminate your access, with or without notice, if you violate these Terms, if we suspect fraud or unauthorized or unlawful activity, if required by law, or if we discontinue the Service.
Upon termination, your license to use the Service ends. We may retain and use information as described in our Privacy Policy and as required by law, including for legal, tax, compliance, audit, fraud-prevention, and record-keeping purposes. Sections that by their nature should survive termination will survive (including Sections 3–5, 7, 9, 10, 11, and 14–21).
THE SERVICE, INCLUDING ALL CONTENT, ESTIMATES, CALCULATIONS, AI OUTPUT, AND GENERATED FORMS, IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, WORKMADE EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WORKMADE DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY TAX ESTIMATE, CALCULATION, FORM, OR OTHER OUTPUT IS ACCURATE, COMPLETE, CURRENT, OR SUITABLE FOR PREPARING OR FILING A TAX RETURN.
NOTHING IN THIS SECTION LIMITS WORKMADE'S LIABILITY FOR FRAUD, GROSS NEGLIGENCE, OR WILLFUL MISCONDUCT, OR ANY OTHER LIABILITY THAT CANNOT BE EXCLUDED UNDER APPLICABLE LAW. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY EXCLUSIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WORKMADE OR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR ANTICIPATED SAVINGS, OR FOR ANY TAX, PENALTY, INTEREST, AUDIT ASSESSMENT, OR OTHER AMOUNT ASSESSED BY ANY TAXING AUTHORITY, OR FOR ANY DAMAGES ARISING FROM YOUR RELIANCE ON ANY ESTIMATE, GENERATED FORM, OR AI OUTPUT, ARISING OUT OF OR RELATING TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
WORKMADE'S TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU PAID TO WORKMADE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).
NOTHING IN THESE TERMS EXCLUDES OR LIMITS WORKMADE'S LIABILITY FOR: (i) fraud or fraudulent misrepresentation; (ii) willful injury to person or property; (iii) gross negligence or willful misconduct; (iv) death or personal injury caused by our negligence; (v) violation of law; or (vi) any other liability that cannot be excluded or limited under applicable law, including California Civil Code section 1668. These limitations apply regardless of the legal theory and are a fundamental basis of the bargain between you and WorkMade.
To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless WorkMade and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) Your Content or the information you provide; (c) your tax filings or financial decisions; (d) your violation of these Terms or of any law or third-party right; or (e) your misuse of AI output. We may assume the exclusive defense of any matter subject to indemnification, and you agree to cooperate.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO BRING A CLAIM IN COURT, TO HAVE A JURY TRIAL, AND TO PARTICIPATE IN A CLASS ACTION. IT REQUIRES YOU AND WORKMADE TO RESOLVE MOST DISPUTES THROUGH INDIVIDUAL BINDING ARBITRATION. YOU MAY OPT OUT WITHIN 30 DAYS.
Before starting an arbitration, you agree to first contact us at legal@workmade.com with a written description of the dispute and the relief you seek, and to attempt in good faith to resolve it for at least 60 days. This step is a condition to starting arbitration. It tolls (pauses) any applicable statute of limitations during the 60-day period.
Except for the matters excluded below, you and WorkMade agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by a recognized arbitration provider under its consumer arbitration rules then in effect. The arbitrator, and not any court, has exclusive authority to resolve threshold questions about the interpretation, scope, enforceability, or formation of this arbitration agreement (a "delegation" provision). Arbitration uses written submissions and, where a hearing is held, may be conducted by video or in the county where you live.
Excluded: Either party may bring an individual claim in small-claims court if it qualifies, and either party may seek injunctive or other equitable relief in court to protect intellectual-property or confidential information.
YOU AND WORKMADE AGREE TO BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS OR PRESIDE OVER ANY CLASS OR REPRESENTATIVE PROCEEDING. YOU AND WORKMADE ALSO WAIVE THE RIGHT TO A JURY TRIAL.
If this class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court, but the class-action waiver will otherwise remain in full force, and you and WorkMade waive any right to a class or representative proceeding in any forum.
If 25 or more similar arbitration demands are submitted against WorkMade within a 180-day period by or with the assistance of the same or coordinated counsel, the parties agree the demands will be administered in sequential batches of up to 50 to allow efficient resolution, with WorkMade paying the applicable arbitration provider's administrative fees for each batch as it proceeds. Each arbitration will be decided by its own arbitrator on its own facts; no arbitration is bound by the outcome of another. Applicable limitations periods are tolled while demands await their batch. Each claimant (or their counsel) must certify that the claim is genuine and that the claimant is an actual WorkMade user.
You may opt out of this arbitration agreement (Sections 17.2–17.4) within 30 days of first accepting these Terms by emailing legal@workmade.com with the subject line "Arbitration Opt-Out" and including your full name and the email address on your account. If you opt out, disputes will be resolved in court as described in Section 18, but the rest of these Terms continue to apply. Opting out does not affect your access to the Service.
These Terms and any dispute between you and WorkMade are governed by the laws of the State of California, without regard to its conflict-of-laws rules, and by the Federal Arbitration Act with respect to arbitration. Any arbitration of claims arising in California will take place under California law. For any matter not subject to arbitration, you and WorkMade submit to the exclusive jurisdiction of the state and federal courts located in San Francisco, California, except that consumers may bring qualifying claims in small-claims court in their home county. Nothing in this Section limits any non-waivable rights you have under the law of your home state.
Our Privacy Policy explains how we collect, use, and share personal information, and your privacy rights. Your use of the Service is also governed by the Privacy Policy, the Cookie Policy, and, where applicable, the E-Sign Consent and the Consent to Use and Disclose Tax Return Information. Certain uses or disclosures of your tax-return information require your separate, signed consent, which we will request in the product where applicable.
By using the Service, you consent to receive communications, agreements, disclosures, and records from us electronically, and you agree that electronic records and signatures have the same legal effect as paper ones. Details of this consent, including your right to request paper copies and to withdraw consent, and the hardware and software you need, are in our E-Sign Consent. We may provide notices by email, through the Service, or by posting. You are responsible for keeping your contact information current.
We may update these Terms from time to time. For non-material changes, we will post the updated Terms with a new effective date and may notify you; your continued use after the effective date constitutes acceptance. For material changes — including changes to the arbitration agreement, class-action waiver, governing law, or fees — we will give you advance notice and obtain your affirmative acceptance before the changes apply to you. If you do not agree to updated Terms, you must stop using the Service.
These Terms, together with the policies referenced here, are the entire agreement between you and WorkMade regarding the Service. If any provision is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them to an affiliate or successor. Neither party is liable for delays or failures caused by events beyond its reasonable control (force majeure). Headings are for convenience only.
Questions about these Terms? Contact us at legal@workmade.com or WorkMade Technologies, Inc., 2261 Market Street, Suite 85249, San Francisco, CA 94114. For support, contact help@workmade.com.