Terms of Use

These terms apply to your use of interobservers.com ("the site"), including the Employer Desk, its state rulebooks, calculators and document templates. Last updated: September 25, 2026.

1. Who publishes the site

The site is published by a private individual based in Portugal ("we", "us"). It is not a law firm, not a company and not a document preparation service. You can reach us at [email protected].

2. General information only

Everything on the site is general information, written for a general audience. It is not legal, tax, financial or other professional advice, and it is not a substitute for the advice of an attorney licensed in your state. Employment laws vary by state, city and industry, and they change. Before you act on anything you read here, check the official source we link to or talk to a licensed attorney in your state about your situation.

3. No attorney-client relationship

Using the site, filling in a template, sending us a message or reporting an error does not create an attorney-client relationship or any other professional relationship with us. We are not your lawyer and we do not review your situation. Do not send us confidential information.

4. Templates are free self-help forms

The document templates are self-help forms provided free of charge. You choose whether to use a template, you fill it in yourself, and you decide what to change, send or sign. We do not prepare documents for you, we do not review what you write, and we do not charge for any document. A template may not fit your situation or your state's rules. Each downloaded document carries a notice that it is a template for general information only.

5. What you type stays with you

The templates and calculators run in your browser. What you type into them is not sent to us and we do not store it (see our privacy policy). You are responsible for the content you enter, for checking the finished document, and for how you use it.

6. No warranty

We work to keep the rules and pages accurate, and each state rule shows its official source and the date we last checked it. Even so, the site is provided "as is" and "as available". We make no warranty, express or implied, that any content is accurate, complete, current or fit for a particular purpose. Laws and official pages can change after our last check.

7. Use at your own risk

You use the site and any template at your own risk. You are responsible for verifying the rules that apply to you with the official sources or a licensed attorney in your state before you rely on them.

8. Limitation of liability

To the maximum extent permitted by law, we are not liable for any direct, indirect, incidental, consequential or other loss or damage arising from your use of, or reliance on, the site, its content or its templates, or from products and services of third parties linked from it. Nothing in these terms excludes or limits liability that cannot be excluded or limited by law, including liability for fraud, wilful misconduct or gross negligence, or your statutory rights as a consumer.

9. Third-party tools, affiliate links and ads

Some pages mention software tools and link to them. Some links are affiliate links: if you buy through them, we may earn a commission at no extra cost to you, and pages with such links say so near the links. The site also shows ads served by third parties. We do not control third-party sites, tools or ads and are not responsible for their content, availability, terms, privacy practices or for any product or service you buy from them. See our affiliate disclosure.

10. Corrections

If you think a rule or a page is wrong, please tell us through the "Report an error" link on the page or by email. How we review reports and fix errors is described in our Employer Desk corrections policy and our general corrections policy.

11. Intellectual property

You may use, fill in, adapt and print the templates for your own business. The text, design and original images on the site belong to us or our licensors. You may read, print and share links to our pages, and quote short passages with a link back to the source page. Any other copying, republishing or systematic extraction of content requires our written permission, except where a page says that data is offered under an open license (for example the Employer Desk API). Product names and trademarks mentioned belong to their owners.

12. Acceptable use

Do not use the site in a way that breaks the law, harms the site or its users, or interferes with its operation, including by attempting unauthorized access, by submitting abusive or automated reports, or by automated access that places an unreasonable load on it.

13. Governing law

These terms are governed by the laws of Portugal. Any dispute will be heard by the courts of the publisher's domicile in Portugal. This does not take away the mandatory consumer protections of the country where you live, or your right to bring a claim where those protections allow it. If any part of these terms is found unenforceable, the rest remains in effect.

14. Changes to these terms

We may update these terms, and change, suspend or remove any part of the site, at any time. The version published on this page, with its date, is the one that applies. If you keep using the site after a change, the new version applies to that use.

15. Contact

Questions about these terms: [email protected].