Terms and Conditions

These terms govern your use of The GearBoxx at thegearboxx.com, operated by Xtego Creative, LLC. By using the site, you agree to these terms.

Editorial nature of the site

The GearBoxx is an editorial publication. Articles describe products and services we have used, researched, or have first-hand operational reasons to vouch for. Articles are not professional advice. They are not legal, tax, accounting, financial, medical, HR, payroll-compliance, or insurance advice, even when those topics are discussed.

For decisions that affect your business or finances, talk to your accountant, attorney, benefits broker, or other licensed professional. Specific examples on this site (S-Corp setups, ICHRA configurations, payroll switches) are illustrative, not prescriptive.

Affiliate and referral relationships

Many articles include affiliate or referral links. We earn a commission when you sign up for or purchase a recommended product through those links. The commission does not change the price you pay. It does fund the publication.

Full details on affiliate relationships, editorial standards, and FTC compliance are on the affiliate disclosure page.

Accuracy

We update pricing, feature claims, and recommendations as vendors change them. The "last updated" date on each article reflects the most recent revision. Despite our best efforts, third parties (vendors, governments, regulators) change practices in ways we may not have caught yet. Verify pricing and features with the vendor directly before signing up.

Intellectual property

All editorial content on the site (text, images, illustrations) is copyright Xtego Creative, LLC unless otherwise noted. You may quote small excerpts with attribution and a link to the source article. Republishing entire articles without permission is not allowed.

Logos, trademarks, and product screenshots referenced on the site belong to their respective owners and are used for editorial commentary and identification under fair use.

Linked third-party sites

We link to vendor pages, official documentation, third-party reviews, and discussion threads. We are not responsible for the content of linked sites or for any agreements you enter into with them.

Limitation of liability

To the maximum extent permitted by law, Xtego Creative, LLC and its operators are not liable for any direct, indirect, incidental, consequential, or special damages arising from your use of this site or reliance on its content. The site is provided "as is" without warranties of any kind.

Changes to these terms

We may update these terms when our editorial practices or legal obligations change. The "last updated" date reflects the most recent change.

Governing law

These terms are governed by the laws of the Commonwealth of Pennsylvania, where Xtego Creative is based, without regard to conflict-of-laws principles.

Contact

Questions about these terms? Reach Curtis at curtis@xtego.com.