Terms of Use

This website (the "Service") provides free Canadian financial calculators and educational resources. By accessing or using the Service, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Service.

The Service provides informational financial calculators covering Canadian mortgages, income taxes, retirement planning (RRSP, TFSA, CPP/QPP), and other financial topics relevant to Canadian residents, including Quebec-specific tools. These tools are for educational and informational purposes only and do not constitute financial, tax, legal, or professional advice.

The calculators and information provided through this Service are general in nature and may not account for your specific circumstances, province of residence, or individual tax situation. You should not rely solely on these tools for making financial decisions. We strongly recommend consulting with qualified financial advisors, tax professionals, accountants, or other appropriate professionals before making any financial decisions. For Quebec residents, this includes consulting professionals familiar with Quebec provincial tax rules and regulations.

While we strive to ensure all calculations and information are accurate and current as of the 2025 federal and provincial tax year, tax laws, rates, contribution limits, and regulations change frequently at both the federal and provincial levels. We make no guarantees regarding the accuracy, completeness, or timeliness of the information provided. It is your responsibility to verify all information with official sources such as the Canada Revenue Agency (CRA), Revenu Québec, or qualified professional advisors.

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that: • The Service will be uninterrupted or error-free • The calculators will produce accurate results for your specific situation • The information is complete, current, or suitable for your purposes • Any errors or defects will be corrected

To the maximum extent permitted by applicable Canadian law, we shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from: • Your use of or inability to use the Service • Any reliance on calculations or information provided • Financial decisions made based on information from the Service • Errors, inaccuracies, or omissions in the calculators or content

You agree not to: • Use the Service for any unlawful purpose • Attempt to interfere with, disrupt, or reverse engineer the Service • Use automated tools to scrape or extract data from the Service • Reproduce, duplicate, or copy content from the Service for commercial purposes without permission • Misrepresent results from our calculators as professional advice

All content, code, designs, calculators, and materials on this Service are protected by Canadian copyright law and other intellectual property rights. You may use the calculators for personal, non-commercial purposes only. You may not reproduce, distribute, modify, or create derivative works without express written permission.

The Service may contain links to third-party websites or resources, including government websites such as canada.ca or revenuquebec.ca. We are not responsible for the content, accuracy, or practices of third-party sites. Your use of third-party websites is at your own risk and subject to their terms and policies.

We use basic analytics tools to understand how visitors use the Service. This helps us improve the calculators and content. For more information, please see our Privacy Policy.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice. We may also update calculators, rates, and information as federal or provincial laws and regulations change.

We may update these Terms from time to time. Updated versions will be posted on this page with a revised date. Your continued use of the Service after changes become effective constitutes acceptance of the updated Terms.

These Terms are governed by and construed in accordance with the laws of Canada and the province of Quebec. Any disputes arising from these Terms or your use of the Service shall be subject to the jurisdiction of the courts of Quebec.

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

If you have any questions about these Terms, please contact us via our Contact Us page.