Terms & Conditions
Effective date: September 8, 2020
These Website Standard Terms And Conditions (these "Terms") contained herein on this webpage, shall govern your use of this website, including all pages within (collectively referred to herein below as this "Website"). These Terms apply in full force and effect to those persons using the Website (hereinafter as "Users"). As a User of the Website, you expressly accept all terms and conditions contained herein in full. You must not use this Website, if you have any objective to any of these Website Standard Terms and Conditions.
The information provided on this Website is designed to provide helpful information and opinions on subjects discussed. This Website is not meant to be considered as professional advice in any way. Any information published on this Website should be considered an opinion and does not constitute legal, business, financial, tax, or professional advice in any way whatsoever. We strongly recommend that you perform your own independent research and/or speak with a qualified professional before making any decisions. Each person should consult his or her own attorney, business advisor, financial advisor, tax, advisor or professional. Any person including, but not limited to, the creator, admin, website manager, bloggers (collectively referred to herein below as the "Contributors") assume no liability for actions taken in reliance upon the information contained herein.
The Website and its' Contributors are not affiliated with EDD. Information is constantly changing during these unprecedented times and we recommend you to check the actual EDD website for accurate information. Use our Website at your own risk.
We make no warranty that our services will meet your requirements, be safe, secure, uninterrupted, timely, accurate, or error-free, or that your information will be secure.
Any material downloaded or otherwise obtained through your use of our services is done at your own discretion and risk, and you will be solely responsible for any damages to your computer system or loss of data that results from the download of any such material. You agree that we have no responsibility or liability for the deletion of, or the failure to store or to transmit, any content or communication maintained by the service. We retain the right to create limits on use and storage at our sole discretion at any time with or without notice.
Variation of Terms
Our Website contains a forum in which users are legally responsible for their own edits and contributions, so for your own protection you should exercise caution and avoid contributing any content that may result in criminal or civil liability under any applicable laws. The Website cannot offer any protection, guarantee, immunity or indemnification.
The Website offers users the ability to post on Forums which is open to the public generally. You acknowledge that all content posted on Forums comply with the rules and restrictions set forth in the terms and conditions. The Website and its' Contributors reserves the right, but disclaims any obligation or responsibility, to prevent you from posting User Content to any Forum and to restrict or remove your User Content from a Forum or refuse to include your User Content in a Forum for any reason at any time, in the website's sole discretion and without notice to you.
You may find some material objectionable or erroneous - we provide a wide array of content that is produced or gathered by fellow users and in no way is a substitute for professional advice. We therefore ask that you use common sense and proper judgement when using our services. Each person should consult his or her own attorney, business advisor, financial advisor, tax advisor or professional in the respective field. The Website and its' Contributors assume no liability for actions taken in reliance upon the information contained herein.
You acknowledge that messages posted on such Forums are public, and the Website and its' Contributors cannot guarantee the security of any information you disclose through any Forum; you make such disclosures at your own risk. The Website and its' Contributors are not responsible for the content or accuracy of any information posted on a Forum, and shall not be responsible for any decisions made based on such information.
You are expressly and emphatically restricted from all of the following:
publishing any Website material in any media;
selling, sub-licensing and/or otherwise commercializing any Website material;
publicly performing and/or showing any Website material;
using this Website in any that is, or may be, damaging to this Website
using this Website in any way that impacts user access to this Website;
using this Website contrary to applicable laws and regulations, or in a way that causes, or may cause, harm to the Website, or to any person or business entity;
engaging in any data mining, data harvesting, data extracting or any other similar activity in relation to this Website, or while using this Website;
using this Website to engage in any advertising or marketing
Any user ID and password you may have for this Website are confidential and you must maintain confidentiality of such information
In these Website Standard Terms and Conditions, "Your Content" shall mean any audio, video, text, images or other material you choose to display on this Website. With respect to Your Content, by displaying it you grant, our Website a non-exclusive, worldwide, irrevocable, royalty-free, sub-licensable license to use, reproduce, adapt, publish translate and distribute it in any and all media.
Your Content must be your own and must not be infringing on any third party's rights. Our Website reserves the right to remove any of Your Content from this Website at any time and for any reason, without notice.
In order to use any information on this website not owned or created by the Website, you must seek permission directly from the owning (or holding) sources. The Website shall have the unlimited right to use for any purpose, free of any charge, all information submitted via this site except those submissions made under separate legal contract. The Website shall be free to use, for any purpose, any ideas, concepts, or techniques contained in the information provided through the site.
Intellectual Property Rights
Unless otherwise indicated, the Website is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Website (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United States, foreign jurisdictions, and international conventions.
Licensing of Content
Some of our content comes directly from EDD website. To the best of our ability we will provide you with the link in each blog. To grow the commons of free knowledge, all users contributing to this Website are required to grant broad permissions to the general public to re-distribute and re-use their contributions freely, so long as that use is properly attributed and the same freedom to re-use and re-distribute is granted to any derivative works.
Fair Use Disclaimer
We are not affiliated with EDD but reference their website for your convenience. This Website is created for the purpose of helping those who do not understand the unemployment process and have used and information from directly under fair use.
Fair use is a legal doctrine that promotes freedom of expression by permitting the unlicensed use of copyright-protected works in certain circumstances. Section 107 of the Copyright Act provides the statutory framework for determining whether something is a fair use and identifies certain types of uses—such as criticism, comment, news reporting, teaching, scholarship, and research—as examples of activities that may qualify as fair use.
No warranties & Limitations of Liability
The Website is provided "as is" with all faults, and the Website makes no express or implied representations or warranties, of any kind related to this Website or the materials contained on this Website. The Website is for general informational purposes only. All information is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability or completeness of any information on the Site or our mobile application. Additionally, nothing contained on this Website shall be construed as providing or consulting advice to you.
We cannot be held responsible for the material contained on third party sites and/or related services nor do we make any representations or warranties as to the security of any information you might be requested to give to third party sites.
We are not responsible for the content, data, or actions of third parties, and you release the Website and its' Contributors, from any claims and damages, known and unknown, arising out of or in any way connected with any claim you have against any such third parties. No advice or information, whether oral or written, obtained by you from us or through or from our services creates any warranty not expressly stated in these Terms.
The Website and its' Contributors make no claims, promises, or guarantees about the absolute accuracy, completeness, or adequacy of the contents of this website and expressly disclaims liability for errors and omissions in the contents of this website. No warranty of any kind, implied, expressed, or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose, and freedom from computer virus, is given with respect to the contents of this website or its hyperlinks to other Internet resources. Reference in this website to any specific commercial products, processes, or services, or the use of any trade, firm, or corporation name is for the information and convenience of the public, and does not constitute endorsement, recommendation, or favoring by the Website or any of it's Contributors.
In no event shall the Website, nor any of its' Contributors, be liable to you or any other party for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses, regardless of whether we were advised of the possibility for such damage by your use of this Website.
In no event shall our liability exceed one hundred U.S. dollars (USD 100.00) in aggregate.
You hereby indemnify to the fullest extent the Website and its' Contributors, from and against any and all liabilities, costs, demands, causes of action, damages and expenses (including reasonable attorney's fees) arising out of or in any way related to your breach of any of the provisions of these terms.
Account Suspension and Termination
Certain activities, whether legal or illegal, may be harmful to other users and violate our rules, and some may even subject you to liability. Therefore, for your own protection and for that of other users, you may not engage in such activities on our sites. These activities include, but are not limited to:
Harassing and Abusing Others
Engaging in harassment, threats, stalking, spamming, or vandalism; and;
Transmitting chain mail, junk mail, or spam to other users
Violating the Privacy of others
Infringing the privacy rights of others under the laws of the United States of America or California law;
Soliciting personally identifiable information for the purposes of harassment, exploitation, violation of privacy, or any promotional or commercial purpose not explicitly approved by the Website;
Soliciting personally identifiable information from anyone under the age of 18 for an illegal purpose or violating any applicable law regarding the health or well-being of minors
Engaging in False Statements, Impersonation, or Fraud
Intentionally or knowingly posting content that constitutes libel or defamation;
With the intent to deceive, posting content that is false or inaccurate;
Attempting to impersonate another user or individual, misrepresenting your affiliation with any individual or entity, or using the username of another user with the intent to deceive and;
Engaging in fraud
Infringing copyrights, trademarks, patents, or other proprietary rights under applicable law
Misusing Our Services for Other Illegal Purposes
Posting or trafficking in obscene material that is unlawful under applicable law;
Using the services in a manner that is inconsistent with applicable law
Engaging in Disruptive and Illegal Misuse of Facilities
Posting or distributing content that contains any viruses, malware, worms, Trojan horses, malicious code, or other device that could harm our technical infrastructure or system or that of our users;
Engaging in automated uses of the site that are abusive or disruptive of the services and have not been approved by the Website;
Knowingly accessing, tampering with, or using any of our non-public areas in our system without authorization;
Probing, scanning, or testing the vulnerability of any of our technical systems or networks
If any provisions of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole, and such provisions shall be deleted without affecting the remaining provisions herein
The Website shall be permitted to assign, transfer, and subcontract its rights and/or obligations under these Terms without any notification or consent required. However, you shall not be permitted to assign, transfer, or subcontract any of your rights and/or obligations under these terms
These Terms, including any legal notices and disclaimers contained on this Website, constitute the entire agreement between the Website and you in relation to your use of this Website, and supersede all prior agreements and understandings with respect to the same
Disputes, Governing Law & Jurisdiction
These Terms will be governed by and construed in accordance with the laws of the State of California, and you submit to the non-exclusive jurisdiction of the state and federal courts located in California for the resolution of any disputes.
If you seek to file a legal claim against us, you agree to file and resolve it exclusively in a state or federal court located in Los Angeles, California. You also agree to the laws of California and, to the extent applicable, the laws of the United States of America will govern these Terms as well as any legal claim that might arise between you and the Website. You agree to submit to personal jurisdiction of, and agree that venue is proper in, the courts located in Los Angeles, California, in any legal action proceeding relating to us or these Terms.
To ensure that disputes are dealt with soon after they arise, you agree that regardless of any statute or law to the contrary, any claim or cause of action you might have arising out of or related to use of our services or these Terms must be filed within the applicable statute of limitations or, if earlier, one (1) year after the pertinent facts underlying such claim or cause of action could have been discovered with reasonable diligence (or be forever barred).
If any type of personal information is requested on the website or volunteered by the user, State law, including the Information Practices Act of 1977, Government Code Section 11015.5., and the federal Privacy Act of 1974 may protect it. However, this information may be a public record once you provide it, and may be subject to public inspection and copying if not otherwise protected by federal or State law.
A Special Note about Children
Minors are not eligible to use services that require submission of personal information, and we require that minors (under the age of 18) do not submit any personal information to us. This includes submitting personal information to the Website as part of a user profile or personalization profile. We do not knowingly and have no interest to gather any personally identifiable information from children under the age of 18. If you are a minor, you can use these services only if used together with your parents or guardians. If you are a minor, you should seek guidance from your parents.
If during your visit to our Website, you participate in a survey or send an e-mail, the following information will be collected:
The email address and contents of the e-mail; and
Information volunteered in response to the survey
The information collected is not limited to text characters and may include audio, video, and graphic information formats you send us.
You may choose to provide us with personal information, as in e-mail with a comment or question. We use the information to improve our service to you or to respond to your request. Except for authorized law enforcement investigations or, as required by law, we do not share our e-mail with any other organizations.
Links to Other Sites
Pricing & Plans Payment Terms and Conditions
Pricing & Plans
By purchasing access to Tools & Calculators (hereinafter as “Plan”), you are making an offer to purchase a Plan which will result in a binding contract. Products will be available when payment is authorized. We will not be liable if there is a delay and will not accept your order if payment is not authorized.
If there is use of the Tools & Calculators by fraudulent means, we all all rights to withdraw a User's ability to access the benefits of the Plan immediately.
The Plan covers the ability to use all tools and calculators for a period of 12 months with a one time purchase of $12. If you would like to renew, you may repurchase in 12 months. Automatic renewal is not turned on.
All tools are based on information that is FREE to find on both the Website the EDD website. Everything can be manually calculated without the purchase of these tools. Purchase of the Plan is not required to view the rest of the website.
Prices are quoted in U.S. dollars and payment can only be accepted in U.S. Dollars.
Warranty & Liability
By making this purchase, you also acknowledge that the Plan is only a tool for you to use and by no means represents the entirety of your situation. Many factors can play into a situation of what your claim status is and the only way to to guarantee accuracy is to speak to claim specialist directly from EDD. These tools were made only to provide you with some insights to your situation, but are not to be used as a legal, business, financial, tax, or professional advice in any way whatsoever. We strongly recommend that you perform your own independent research and/or speak with a qualified professional before making any decisions. We are not liable for losses or damages resulting from the use of the Tools & Calculators. We make no warranty that the Tools & Calculators will meet your requirements, be safe, secure, uninterrupted, timely, accurate, or error-free.
We may at any time immediately terminate the Plan for non-payment, fraud, or material misrepresentation without prior written notice.
All sales are final due to the nature of the Plan potentially being a one-time use for a User.
General Restrictions on Use
You may not rent, transfer, assign, commercially exploit, resell or sublicense access to the Service to any third-party. You may use the Tools & Calculators only for your personal, non-commercial purposes. You further agree not to combine or integrate the Tools & Calculators with hardware, software or other technology or materials not provided by us. You may not modify or create any derivative product based on the Tools & Calculators. You may not decompile, disassemble, reverse engineer or otherwise attempt to obtain or perceive the source code from which any component of the Website and the Tools & Calculators is compiled or interpreted, and nothing in these Terms should be interpreted as granting you any right to obtain or use source code. Except as expressly stated herein, no part of the Tools & Calculators may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means. Any future release, update, or other addition to functionality of the Tools & Calculators shall be subject to these Terms.
You agree not to use the Tools & Calculators to: a) violate any local, state, national or international law; b) stalk, harass or harm another individual; c) collect or store personal data about other users; d) impersonate any person or entity, or otherwise misrepresent your affiliation with a person or entity; or e) interfere with or disrupt the Website, Plans, or servers or networks connected to the Website or Plans or disobey any requirements, procedures, policies or regulations of networks connected to the Plans.
Changes to Terms & Conditions
We may, without prior notice, change the services; stop providing the services or any features of the services we offer; or create limits for the services. We may permanently or temporarily terminate or suspend access to the service without notice and liability for any reason, or for no reason.
We reserve the right to refuse any order.
All payments are made by payment card or through PayPal.
Once your payment is confirmed it will be made through our payment service providers: wix.com or PayPal. By confirming that you wish to proceed with your purchase you authorize wix.com or PayPal to request funds from your credit, debit, or PayPal card provider
Unauthorized card use
If you become aware of fraudulent use of your card, or if it is lost or stolen, you must notify your card provider.
Donation Payment Terms and Conditions
Donations are made voluntarily and Users have no obligation to make a donation.
By making a donation you understand all donations to the Website be paid to Erica Chan (hereinafter as "Owner") who is the Owner and manager of the website. Donations will be primarily used to pay off the domain and website costs. By donating you also understand that the website is not a non-profit and does not have a 501(c) and any donation is deemed a gift to the Owner.
All payments are made by payment card or through PayPal.
Once your payment is confirmed it will be made through our payment service providers: wix.com or PayPal. By confirming that you wish to proceed with your donation you authorize wix.com or PayPal to request funds from your credit, debit, or PayPal card provider
Unauthorized card use
If you become aware of fraudulent use of your card, or if it is lost or stolen, you must notify your card provider.
Information from you
Before we can process a donation you must provide us with (i) your name, address and email address; and (ii) details of the credit or debit card that you wish to use to fund the donation. We will use this information to process your donation. It is your responsibility to ensure you have provided us with the correct information.
When you submit your payment details, these details will be transferred to our payment provider, wix.com or PayPal, and your payment data will be collected and processed securely by them. You should make sure that you are aware of wix.com or PayPal's terms and conditions, which are different from our own, to ensure that you are comfortable with how they will process your personal data before you make a donation.
If you make an error in your donation please contact us by email at within 14 days and a full refund will be made to you.
We reserve the right to amend these Donation Payment Terms and Conditions at any time.
This website uses Google Adsense
Google uses advertising cookies to show ads based on user browsing activities
Google's use of the DoubleClick cookie enables it and its partners to serve ads to your users based on their visit to your sites and/or other sites on the internet
Users may opt out of the use of the DoubleClick cookie for interest-based advertising by visiting Ad Settings.
Collection and Use of Personal Information
Our Website collects Personal Information supplied to us voluntarily by individuals and visitors to this Website. We may use such voluntarily provided information to improve our understanding of your interests, to improve our services, or to contact you for future support. In order to utilize certain features of our site or to receive information from our Website, you may choose to provide Personal Information. If you do submit information to us, we will use that information for the purposes for which it was submitted. We may also use your information in other ways, such as to contact you about other Website activities, or as otherwise disclosed to you at the point of collection.
If you voluntarily participate in an activity that asks for specific information (i.e., completing a request for assistance, personalizing the content of the website, sending an e-mail, or participating in a survey) more detailed data will be collected. If you choose not to participate in these activities, your choice will in no way affect your ability to use majority of the website.
The Website does not collect home, business or email addresses, or account information from persons who simply browse our Website. The Personal Information collected is only done so voluntarily by the user to subscribe to our newsletter or to those who fill out surveys.
The Website uses the non-personally identifiable Aggregate Data information to improve the design and content of the Site and to enable the Website to personalize your Internet experience. We may use the Aggregate Data to analyze Site usage as well as create services and/or products to fit your needs.
The Website will not distribute or sell any electronically collected personal information about users to any third party without the user's written consent.
Use of Email Address
When you sign up on our Website, share your story, or complete some other data form or survey, you may be asked to supply your email address. We do not sell or rent your email address to any third party. Email addressees gathered from subscribers to the Website are only available to the website managers managing this information for purposes of contacting you or sending you emails based on your request for information.
We will only use your email address to send information about the Website and news. From time to time, we may send out email messages that might include information about like-missioned organizations and companies, but we do not provide them with access to any personal Information that you have provided.
You may subscribe or unsubscribe to our Website at any time by contacting us through
Our Website welcomes User comments and participation, however, you acknowledge that if you send us creative suggestions, stories, photos, videos, ideas, notes, drawings, concepts, or other information, the information shall be deemed, and shall remain, the property of the Website. By submission of any information to us, you assign to us and we shall exclusively own all now known or hereafter existing rights to such information and shall be entitled to unrestricted use of the information for any purpose whatsoever, commercial or otherwise, without compensation.
As a User, you are responsible for your own communications and are responsible for the consequences of their posting. Therefore, do not impersonate another person and not transmit material to us that is copyrighted, unless you are the copyright owner or have the permission of the copyright owner to post it; do not send material that reveals trade secrets, unless you won them or have the permission of the owner; do not send material that infringes on any other intellectual property rights of others or on the privacy or publicity rights of others; do not send material that is obscene, defamatory, threatening, harassing, abusive, hateful, or embarrassing to another user or any other person or entity; and do not send sexually explicit images, advertising or solicitations of business or chain letters.
You represent and warrant that any information and/or material you post or provide to our Website through any medium is truthful, accurate, not misleading, not confidential property of others, and not in violation of any other third party's rights. Furthermore, you acknowledge and agree that all submissions will become the property of the Website and the Website has the right to publish or republish the submission for any type of use including for promotional and advertising purposes without compensation to you of any kind. Should your submission include third party materials, you grant, represent and warrant that you, as well as the owner of such content, have expressly granted the Website a royalty-free, perpetual, irrevocable, world-wide exclusive license to use the submission in any manner media or form now known or hereafter developed. Our Website shall have the right to sublicense its rights.
The Website may use "cookies" and similar tools like pixel tags and similar tracking technologies, to college aggregate statistical information and data. Aggregate information does not identify any individual person. We may use or disclose aggregate information for any purpose. the majority of browsers accept cookies, but your browser should also give you the option for preventing, accepting, or receiving notice of new cookies. Please be advised that if you block cookies, some site functionality may be lost.
If you wish, you can usually adjust your browser so that your computer does not accept cookies:
Go to the heading "Manage Cookies" and click onto the option you prefer, either stopping cookies being installed, or notifying you of them;
From the list provided, click onto the program which your computer uses; if this is not shown on the list, click on the "help" heading on the bar at the top of this page, search for information on "cookies" − an explanation of how to delete cookies will appear, then follow the instructions.
Alternatively, you can adjust your browser to tell you when a website tries to put a cookie on your computer.
If you use social media logins (like Google and Facebook) to log into our website, we may access your public social media profile information. You can always limit this sharing using your social media service settings.
Exercising California Privacy Rights
You may contact us and obtain information on the kind of data we’ve collected about you. At your request, we will provide a copy of the data, if you want. If you’d like to delete your data or close your account, you can do that by requesting through
Legal Disclosures and Privacy Rights for California Residents
Under the CCPA, California residents have certain rights regarding their personal information, including:
The right to know the categories of personal information we’ve collected and the categories of sources from which we got the information (see “FAQcaui’s Collection and Use of Personal Information” section)
The right to know the categories of third parties with whom we’ve shared personal information (explained throughout this Policy with respect to specific information)
The right to access the specific pieces of personal information we’ve collected and the right to delete your information (see Exercising California Privacy Rights for more detail)
California residents also have the right to not be discriminated against if they choose to exercise their privacy rights
Notice at Collection of Categories of Personal Information Collected under the California Consumer Privacy Act
The Website is not required to comply with a consumer’s request to delete the consumer’s personal information if it is necessary for us or service provider to maintain the consumer’s personal information in order to:
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity.
Debug to identify and repair errors that impair existing intended functionality.
Comply with the California Electronic Communications Privacy Act pursuant to Chapter 3.6 (commencing with Section 1546) of Title 12 of Part 2 of the Penal Code.
To enable solely internal uses that are reasonably aligned with the expectations of the User based on the User's relationship with the business.
Comply with a legal obligation.
Otherwise use the consumer’s personal information, internally, in a lawful manner that is compatible with the context in which the consumer provided the information.