Terms of use

Who we are

WageRouter is a private online tool owned and operated by Improvenhance, LLC ("we"), a Texas limited liability company and financial counseling practice. We provide it to our clients, by invitation, with tools for organizing their money, credit and work. Every account has all of WageRouter's tools; if we add premium tools later, these terms will say how they work before any account can use them. These terms cover your use of WageRouter. Our counseling services are covered by your separate agreement with us.

Tools, not advice

WageRouter's tools organize what you enter and do the math on it. What they show (totals, estimates, reminders) is information based on your entries, not a recommendation or a guarantee. Advice about your situation comes from your counselor, in your counseling sessions. WageRouter does not give investment, legal or tax advice, and it doesn't move money. Check important amounts and dates against your statements before you act on them.

Incoming Wages estimates your pay before anything is taken out, from what you enter and a few fixed assumptions (a standard 40-hour week for full-time W-2 work, 25 hours for part-time work with no hours entered, time and a half past 40 hours, a 52-week year). Your actual pay depends on your employer, your hours, and what's withheld, and will differ.

Bring in more shows what a change you try would do: more overtime or hours, a raise, or a job you don't have. Its pay before taxes is Incoming Wages' estimate. Its take-home and what's left after bills are "about": they use the share of pay your own paychecks keep, and extra pay is often taxed a little more, so the real amounts may be lower. Working back from an amount you need, each answer is the smallest step that reaches it by that same estimate. It doesn't calculate taxes, and whether overtime, more hours or a raise are available is up to your employer. The figures are estimates from your own entries, not advice.

The Wage Router shows where your take-home goes each month: your pay from your newest paychecks (a job without paychecks "about", at the share your other paychecks keep), your bills from Outgoing Wages, and the amounts you route to each account. It's a plan you make, not a transfer: it doesn't connect to any bank or move money, and it doesn't calculate taxes. How long a savings goal takes assumes the amount you enter goes in every month. With your Bring in more what-if switched on, its extra pay is drawn "about", as on that page. The figures are estimates from your own entries, not advice.

The Tax Guide is general information about federal tax rules for the taxes and benefits on a paycheck, written from the IRS's and the Social Security Administration's own documents, which each section links to. It isn't tax advice and doesn't look at your own situation or calculate your taxes. Tax rules and amounts change, and an amount may not be announced yet: the linked documents are the authority, so check them for the latest. State and local taxes aren't covered. For your own taxes, ask a tax professional or IRS free help.

Paychecks shows the paychecks you copy in, line by line, and works out their totals and an average monthly take-home from your newest paychecks. It explains what a line is in general terms; it doesn't check that your employer withheld or paid the right amounts, and it doesn't give tax advice. Check the numbers against your paycheck. When the AI Assistant reads a paycheck you upload, it can misread a number: you check the form it fills before you save it, and you're responsible for covering your private details before you send it.

Your benefits guide (in Paychecks, with the AI Assistant) shows what your employer's benefits guide says about a job's retirement match, health savings account, flexible spending accounts and commuter benefits, with the page each is on. The AI reads the whole guide and can misread it: check what it found against the pages shown before you save it, and read the guide again if something is wrong. Upload only your employer's benefits guide, which you're allowed to share, and not a document with your personal details. On a job's newest paycheck, notes show what the guide offers that the paycheck isn't getting, with figures only from your paycheck and your guide (for example, how much more you'd put in to get the whole match, and what your employer would add); they don't work out taxes. It also shows the insurance through work your guide offers (disability, life, accidental death and others), who pays for it, and its coverage in the guide's words; it doesn't say how much coverage you need or what it would cost. It's general information from your guide, not advice: your benefits office has the details of your plans, and decides what you're eligible for.

Outgoing Wages totals your bills a month from what you enter (each bill × how many times it comes in a year ÷ 12). Due dates shown are worked out from the one date you enter; check them against the bills themselves. WageRouter doesn't pay bills or remind you of them.

Home shows those two totals side by side, and the pay estimate minus the bills as what's left (or short) this month. Like the estimate, that's before taxes: what you actually have left will be less.

Job Search shows job listings from other sites, found by a job listings service. We don't write, check or vouch for them: a listing can be out of date, inaccurate or already filled, and pay shown is the listing's own estimate. It shows only jobs you can apply to on the employers' own application sites or the large job boards it names, but applying happens on those sites, under their terms and privacy policies, not ours. Searches are limited to 50 of the listings service's pages a day (a search uses one to five), and Job Search may be unavailable when the listings service is.

AI Assistant, which every client has and which works once you agree to these terms (in its settings, or with a box on your first upload), uses an AI service to write and rewrite text for your job applications, in a job posting's own words, and can add skills you tell it you have. AI can be wrong. Read everything it writes before you use it, and correct it. You are responsible for everything you send or confirm being true, and for everything in the resumes, letters and other documents you use; you agree to this when you turn it on. Improvenhance, LLC and WageRouter aren't responsible for what you send to employers or what they decide. Each use counts against a monthly allowance, which we set and may change.

Sample data shows how the tools fit together, with an example account you can load and delete in Settings. Clark Kent, and the people, places and documents in his account, are fictional, and the documents are marked as samples. The owner's sample, when it's offered, shows how the owner uses WageRouter in their own life. Neither is advice for your situation.

Your account

• Keep your password to yourself, and tell us at once if you think someone else has used your account. Account → Sign out everywhere ends every session.
• If you use two-factor sign-in with an authenticator app, keep your recovery codes somewhere safe: they're the way back in if you lose your phone.
• Don't enter information you're told not to store here: full account or card numbers, bank logins, Social Security numbers.
• Upload only documents that are yours to share, and never ID cards (a driver's license, including a CDL, a passport, a state ID or a Social Security card), bank statements or credit reports.
• PIP Profiles hold approximated details for job applications, not your real identity. Where an employer or the law needs your real information (for example once you're hired, on tax and employment-eligibility forms), giving it is up to you. WageRouter doesn't fill in or send any application for you.
• The information you enter stays yours. You let us store and display it so the service works, as described in the privacy notice.

Fair use

Don't try to get into other accounts, disrupt the service, or use it for anything unlawful.

Availability

We work to keep WageRouter running and your data safe, but it is provided "as is" and "as available", without guarantees that it will always be available or free of errors.

Limits on our liability

To the fullest extent the law allows:

• we make no warranties about WageRouter beyond those in these terms, including implied warranties of merchantability, fitness for a particular purpose and non-infringement;
• we are not liable for indirect, incidental, special or consequential damages, or for lost profits, savings or data, arising from your use of WageRouter;
• our total liability for any claim about WageRouter is limited to one hundred US dollars ($100).

Nothing in these terms limits liability that the law does not allow to be limited, or changes your separate counseling agreement with us.

Ending your account

You can ask us to close your account at any time, and we'll delete its data as described in the privacy notice. We may close an account that breaks these terms, and we'll tell you first unless the law or someone's safety requires otherwise.

Changes

If these terms change in a way that matters, we'll tell you in the app before the change takes effect.

Governing law and contact

These terms are governed by the laws of the State of Texas. Questions: support@wagerouter.com.