Terms
Terms of use
Last reviewed September 2026.
What the guides are
Freelancer & Solo Operator Desk publishes general, source-backed guidance for Americans doing independent work — business setup, invoicing and getting paid, self-employment tax, insurance, finding clients, payment processing, and disputes. Tax thresholds, worker-classification tests, and state rules change, and many outcomes depend on facts specific to your situation.
Not individualized advice
- Nothing here is individualized tax, legal, accounting, or insurance advice, and reading it creates no professional or advisory relationship.
- Before you choose an entity, set an estimated-tax payment, classify a subcontractor, buy a policy, or act on a dispute deadline, confirm the current rule with the IRS, your state agency, your processor, or a licensed professional.
- You are responsible for verifying any figure, form, or deadline against the issuing authority when you act.
No warranty
Content is provided “as is” without warranty of any kind. To the extent permitted by law, Freelancer & Solo Operator Desk is not liable for loss arising from use of the content or from reliance on a rule that has since changed.
Content and links
Guides and images are the site’s own work and may not be republished in bulk without permission. Third-party links are for reference only.