Terms of Use and Disclaimer

Last updated: November 15, 2026

These Terms of Use and Disclaimer (the "Terms") are an agreement between you and Civil Story ("Civil Story," "we," "us," or "our"). They govern your use of Selfroll, including its public pages, guides, free tool pages, calculators, calendar tools, draft forms, and the private payroll app (together, the "Service"). Please read them carefully. They limit our liability and require you to resolve disputes in Oklahoma courts.

1. Acceptance of These Terms

You accept these Terms when you tick the "I agree" checkbox (on the public Getting started page, in the app, or both), or when you access or use any part of the Service, whichever happens first. If you do not agree, do not use the Service.

By accepting, you confirm that:

• You are at least 18 years old.
• You can lawfully enter into a binding agreement.
• If you use the Service for a business, you are authorized to act for that business and to accept these Terms on its behalf. In that case, "you" means both you and the business.

Our Privacy Policy is part of these Terms. By accepting these Terms, you also accept the Privacy Policy.

2. What Selfroll Is and Is Not

Selfroll is informational software. It runs calculations in your browser from the information you enter. It shows step-by-step instructions you may choose to follow, keeps a deadline calendar, and fills draft copies of certain tax forms for you to review.

Selfroll is not:

• A money transmitter or a money services business. It never holds, moves, receives, or transmits money.
• A bank or a bank connection. It never connects to any bank or financial account.
• A payroll service provider, payroll processor, or professional employer organization (PEO).
• A tax preparer, certified public accountant (CPA), enrolled agent, or attorney.
• Your agent, reporting agent, or authorized representative before any government agency.

Selfroll does not file any return or form, make any deposit or payment, or contact any government agency, bank, or other third party for you. You do all of those things yourself.

Using the Service does not create any professional-client, accountant-client, attorney-client, fiduciary, agency, employment, partnership, or joint venture relationship between you and Civil Story.

3. Not Tax, Legal, or Accounting Advice

Everything in the Service is general information. That includes calculations, guides, instructions, calendars, checklists, examples, and draft forms. None of it is tax, legal, accounting, or financial advice, and none of it is tailored to your situation.

Tax and employment rules are complex and change often. Before you rely on any result, check it against official sources, such as the Internal Revenue Service (IRS), the Oklahoma Tax Commission, and the Oklahoma Employment Security Commission. You can also ask a licensed professional.

Tax tables, rates, wage bases, thresholds, and form layouts in the Service may be drafts, provisional, incomplete, or out of date. We do not promise that the Service reflects current law at any given time.

If you own an S corporation, you alone decide what counts as reasonable compensation for yourself and any other shareholder-employees. The Service does not decide or recommend a reasonable compensation amount, and no output should be read as one.

4. Your Sole Responsibility

You are solely responsible for your payroll and tax obligations and for everything you do with the Service. This includes, without limitation:

• The accuracy and completeness of all information you enter.
• Reviewing and checking every calculation, figure, instruction, and form the Service produces before you rely on it.
• Sending pay to employees, making federal tax deposits, and paying state taxes and unemployment contributions, in the right amounts and on time.
• Preparing, signing, and filing all tax returns, wage reports, and information returns, including Forms 941, 940, W-2, W-3, and Oklahoma WTH-10001, and any other returns or reports that apply to you.
• Meeting every deadline, whether or not it appears in the Service's calendars or checklists.
• Obtaining and keeping all required federal and state registrations, accounts, and identification numbers.
• New-hire reporting and any other employer reporting the law requires.
• Keeping complete and accurate payroll and tax records for as long as the law requires.
• Any penalties, interest, assessments, fees, and other consequences from any error, omission, late action, or failure to act, whether or not the Service contributed to it.

5. Draft Forms

Forms the Service fills are drafts for your review only. They are not official forms and may not match the current official revision or format.

• Compare every draft to the current official revision of the form and its instructions, and use the official form or approved method when you file.
• Never file Copy A of any form printed from the Service. For example, do not send a W-2 or W-3 Copy A printed from the Service to the Social Security Administration.
• To file Forms W-2 and W-3 with the Social Security Administration electronically, use SSA Business Services Online or another method the Social Security Administration accepts.
• You are responsible for signing, filing, and distributing every form, and for giving employees their copies on time.

6. Free Service, Ads, and Availability

The Service is currently free to use. It is supported by ads.

Ads may appear on these pages (the "ad-supported pages"):

• The homepage.
• All guide pages.
• The public "what changes" page.
• Four free tool pages that hold no payroll data: Getting started (/welcome.html, which has an "I agree" checkbox for the public site), Deadline calendar (/calendar.html, which shows generic deadlines with no amounts), Setup checklist (/checklist.html), and Next steps (/next-steps.html).

Our legal pages (these Terms and the Privacy Policy) do not show ads.

Ads may include display ads placed within articles, in a sidebar on wide screens, and at the end of articles. They may also include Google Auto ads. These include anchor ads, which stick to the top or bottom of the screen, and vignette ads, which are full-screen ads that can appear between page views and can be skipped. A consent banner on every ad-supported page, including the tool pages, lets you accept or decline personalized ads.

The private payroll app runs at its own separate web address, app.getselfroll.com, which is a different website origin from the public site at getselfroll.com. The app shows no ads. This is where you set up your company and employees, enter Social Security numbers, EINs, and bank nicknames, and see pay stubs, paycheck and transfer amounts, the private deposit calendar with amounts, and the draft forms. The app loads no ad or analytics scripts. A strict Content Security Policy on the app address blocks third-party scripts. The app also has its own "I agree" checkbox. An agreement saved on the public site is not visible to the app, so you must agree on the app address as well before using it.

We may change, suspend, limit, or discontinue any part of the Service at any time, with or without notice, for any reason. This includes where ads appear and what formats they use. We do not guarantee that the Service will be available at any particular time, that any feature will continue, or that coverage will expand to other states. We are not liable to you or anyone else for any change, suspension, or discontinuation.

7. Your Data and Security

Information you enter in the payroll app is encrypted and stored only in your own browser on your own device. Civil Story has no server that receives this information. We cannot see it, access it, restore it, or recover it.

Your payroll data is decrypted only inside the private app at app.getselfroll.com. Ad-supported pages never load or decrypt it, and never display it. If you open a tool page from inside the app, it opens in a new tab on the public site. The app tab keeps your data unlocked only in its own memory.

Separate website origins for the public site and the app. The public, ad-supported pages run at getselfroll.com. The private payroll app runs at app.getselfroll.com. Because these are different website origins, the browser keeps their storage separate. Your encrypted payroll vault is stored only on the app address. Third-party scripts that run on ad-supported pages, such as Google's ad code, cannot read the vault or other data stored on the app address.

The public site may store your terms agreement record for that site, your ad-consent choice, your deadline calendar choices (your federal and state deposit schedule types only, no amounts), and your setup checklist ticks. Ad code on those pages could technically read those public-site items. They do not include your payroll data. The app stores its own terms agreement record and your encrypted vault. The vault is encrypted with a key derived from your passphrase (PBKDF2-SHA256, 600,000 iterations for new saves).

You are solely responsible for:

• Choosing a long, unique passphrase and keeping it secret and safe.
• Making and safely storing your own encrypted backup files.
• The security of your device, browser, browser extensions, operating system, and accounts.
• Anyone who uses your device or your passphrase.

If you lose or forget your passphrase, we cannot recover your data. Your data may also be lost if you clear your browser storage on the app address, change browsers or devices, use private browsing, or if your browser, device, or storage fails. We are not responsible for any loss, corruption, or exposure of your data, however it happens, including any access to public-site browser storage by third-party scripts on ad-supported pages.

For details on how the Service handles information, see our Privacy Policy.

8. Acceptable Use

You agree not to:

• Use the Service for any unlawful, fraudulent, or deceptive purpose, or in violation of any law or regulation.
• Enter false or made-up information to create documents meant to deceive or defraud any person, employer, employee, lender, or government agency.
• Scrape, crawl, or access the Service in a way that harms, overloads, or disrupts the Service or its hosting.
• Reverse engineer, modify, or copy the Service to harm the Service, its users, or others, or to get around any security or ad feature.
• Introduce malware or other harmful code, or try to gain unauthorized access to any system.
• Use the Service to infringe or violate the rights of others.
• Misrepresent your relationship with Civil Story, or suggest that Civil Story prepared, reviewed, or endorsed any of your filings.

9. Third-Party Sites and Services

The Service may mention or link to third-party sites and services, and ad-supported pages run third-party ad code. Examples include EFTPS, OkTAP, the Oklahoma Employment Security Commission, the Social Security Administration, the IRS, banks, hosting providers, and advertising partners such as Google.

Civil Story does not own, operate, or control these sites and services. We are not responsible for their content, accuracy, availability, security, fees, policies, or practices, or for the content of any ad. Your use of them is governed by their own terms and policies. A link, mention, or ad is not an endorsement.

10. DISCLAIMER OF WARRANTIES

THE SERVICE, INCLUDING ALL CALCULATIONS, CONTENT, INSTRUCTIONS, CALENDARS, CHECKLISTS, AND DRAFT FORMS, IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTIES OF ANY KIND.

TO THE FULLEST EXTENT PERMITTED BY LAW, CIVIL STORY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. THIS INCLUDES ANY WARRANTY OF ACCURACY, COMPLETENESS, TIMELINESS, RELIABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

CIVIL STORY DOES NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE, UNINTERRUPTED, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; THAT ANY CALCULATION, TAX TABLE, RATE, DEADLINE, OR FORM WILL BE CORRECT, CURRENT, OR COMPLIANT WITH LAW; THAT DEFECTS WILL BE CORRECTED; OR THAT YOUR DATA WILL BE PRESERVED OR KEPT PRIVATE.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, THAT YOU OBTAIN FROM CIVIL STORY OR THROUGH THE SERVICE CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. YOU USE THE SERVICE ENTIRELY AT YOUR OWN RISK.

11. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL CIVIL STORY OR ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, SUCCESSORS, OR ASSIGNS (TOGETHER, THE "CIVIL STORY PARTIES") BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY OF THE FOLLOWING, WHETHER DIRECT OR INDIRECT:

• TAX PENALTIES, INTEREST, ASSESSMENTS, OR ADDITIONS TO TAX;
• OVERPAYMENTS OR UNDERPAYMENTS OF WAGES OR TAXES;
• LOST PROFITS, REVENUE, BUSINESS, GOODWILL, OR SAVINGS;
• LOSS, CORRUPTION, OR EXPOSURE OF DATA;
• COSTS OF PROFESSIONAL ADVICE, CORRECTIONS, AMENDED FILINGS, OR SUBSTITUTE SERVICES;
• CLAIMS BY EMPLOYEES, GOVERNMENT AGENCIES, OR OTHER THIRD PARTIES.

THESE LIMITS APPLY TO ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR ANY OTHER LEGAL THEORY. THEY APPLY EVEN IF A CIVIL STORY PARTY WAS ADVISED OF THE POSSIBILITY OF THE DAMAGES, AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

BECAUSE THE SERVICE IS PROVIDED FREE OF CHARGE, THE TOTAL AGGREGATE LIABILITY OF THE CIVIL STORY PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS IS ZERO DOLLARS ($0). IF APPLICABLE LAW DOES NOT ALLOW LIABILITY TO BE LIMITED TO ZERO DOLLARS ($0), THE TOTAL AGGREGATE LIABILITY OF THE CIVIL STORY PARTIES IS LIMITED TO THE SMALLEST AMOUNT THAT LAW ALLOWS.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR DAMAGES. IN THOSE JURISDICTIONS, SOME OF THE ABOVE EXCLUSIONS AND LIMITS MAY NOT APPLY TO YOU, AND THE LIABILITY OF THE CIVIL STORY PARTIES IS LIMITED TO THE FULLEST EXTENT THAT LAW ALLOWS.

12. Indemnification

You agree to defend, indemnify, and hold harmless the Civil Story Parties from and against any and all claims, demands, actions, losses, damages, liabilities, judgments, settlements, tax penalties, interest, assessments, costs, and expenses (including reasonable attorneys' fees and costs) arising out of or relating to:

• Your access to or use of the Service;
• Any information you enter, and any calculation, form, or document you create, use, file, or distribute;
• Your payroll, wage payments, tax deposits, tax payments, and filings, or any failure to make them correctly and on time;
• Your breach of these Terms; or
• Your violation of any law or regulation, or of any right of a third party, including your employees.

We may take over the exclusive defense and control of any matter you must indemnify us for. If we do, you agree to cooperate with our defense. You may not settle any such matter without our prior written consent.

13. Governing Law, Venue, Jury Waiver, and Time to Bring Claims

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Oklahoma, without regard to its conflict-of-law rules.

Any lawsuit or proceeding arising out of or relating to these Terms or the Service must be brought only in the state or federal courts located in the State of Oklahoma. You and Civil Story each consent to the personal jurisdiction of those courts and waive any objection to venue there.

TO THE EXTENT PERMITTED BY LAW, YOU AND CIVIL STORY EACH WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY LAWSUIT OR PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE.

To the extent permitted by law, any claim arising out of or relating to these Terms or the Service must be filed within one (1) year after the claim arose. Otherwise, the claim is permanently barred.

14. Changes to These Terms

We may update these Terms at any time. When we do, we will change the "Last updated" date at the top. If a change is material, we will ask you to review and agree to the updated Terms in the Service before you continue using the app.

Your continued use of the Service after updated Terms are posted means you accept them. If you do not agree to the updated Terms, stop using the Service.

15. Miscellaneous

• Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and Civil Story about the Service. They replace any earlier understandings about the Service.
• Severability. If any provision of these Terms is found invalid or unenforceable, it will be enforced to the maximum extent allowed, and the remaining provisions stay in full force and effect.
• No waiver. Our failure or delay in enforcing any right or provision is not a waiver of that right or provision.
• Assignment. You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign or transfer these Terms at any time without notice to you.
• Survival. Sections 2 through 5, 7, and 9 through 15, and any other provision that by its nature should survive, survive any end of your use of the Service or of these Terms.
• Headings. Headings are for convenience only and do not affect how these Terms are read.
• No third-party beneficiaries. Except for the Civil Story Parties, no one else has any rights under these Terms.

16. Contact

Questions about these Terms can go to:

Selfroll, operated by Civil Story Email: [email protected]