Effective date: July 5, 2026
TotalizeRight ("we", "us") provides free educational calculators and optional paid personalized reports about U.S. Social Security totalization agreements. By using totalizationcalculator.com (the "Service"), you agree to these Terms.
All results — free and paid — are educational estimates based on the general rules of U.S. totalization agreements. They are not tax, legal, or financial advice, and no professional-client relationship is created. Agreements change and individual situations vary; always confirm with the Social Security Administration (SSA), the IRS, and a qualified cross-border advisor before acting. We are not affiliated with the SSA or IRS.
Paid reports are one-time digital purchases delivered instantly in your browser as a printable page. Payments are processed by our merchant of record, Paddle, which handles billing, receipts, and applicable taxes. Refunds are governed by our Refund Policy.
You may use the Service for personal, non-commercial research. You may not scrape, resell, misrepresent, or reproduce the Service or its content at scale without permission, or use it in any way that violates applicable law.
The Service, including its calculators, text, and design, is owned by us. Purchasing a report grants you a personal license to use and print that report; it does not transfer ownership.
The Service is provided "as is" without warranties of any kind. To the maximum extent permitted by law, we are not liable for decisions made in reliance on the Service, and our total liability for any claim is limited to the amount you paid us in the twelve months before the claim.
We may update the Service or these Terms at any time. The current version is always available on this page; continued use after changes means you accept them.
Questions about these Terms: kmg0662@gmail.com.