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Educational only. Educational guidance only. Not tax, legal, payroll, accounting, HR, employment, credit, or financial advice. Not a consumer reporting agency. PayslipIQ USA is not a consumer reporting agency. PayslipIQ USA must not be used for employment screening, tenant screening, lending, insurance, credit, immigration, benefits eligibility, or any decision affecting a person's legal rights. Outputs are educational estimates and explanations only — they are not consumer reports under the Fair Credit Reporting Act (FCRA) or any analogous state law.