Terms of Use

Acceptance of Terms

By accessing and using CanadaFinanceTools.ca (the "Site"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this Site.

General Information Only — Not Financial Advice

The calculators, articles, and all content on CanadaFinanceTools.ca are provided for general informational and educational purposes only. Nothing on this Site constitutes:

• Financial, investment, tax, or legal advice
• A recommendation to buy or sell any financial product
• A substitute for advice from a qualified financial advisor, accountant, or legal professional

Always consult a qualified professional before making any financial decisions. Tax rules, contribution limits, and financial regulations change frequently — verify all figures with the Canada Revenue Agency (CRA) or a certified financial planner.

Accuracy of Information

We make reasonable efforts to ensure the information and calculations on this Site are accurate and up to date. However, we make no representations or warranties of any kind — express or implied — about the completeness, accuracy, reliability, or suitability of any information, calculator result, or content on this Site.

Calculator results are estimates based on the inputs you provide and simplified mathematical models. Actual outcomes will differ based on individual circumstances, changing tax rules, lender policies, and other factors.

Limitation of Liability

To the fullest extent permitted by applicable Canadian law, CanadaFinanceTools.ca, its operators, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Your use of or reliance on any calculator result or content on this Site
• Any financial decision made based on information from this Site
• Errors, omissions, or inaccuracies in calculations or content
• Interruptions or unavailability of the Site

Acceptable Use

You agree to use this Site only for lawful purposes. You may not:

• Attempt to gain unauthorized access to any part of the Site
• Use the Site in any way that could damage, disable, or impair it
• Reproduce or redistribute Site content for commercial purposes without permission
• Use automated tools to scrape or harvest data from the Site

Intellectual Property

All content on this Site — including text, calculator logic, graphics, and design — is the property of CanadaFinanceTools.ca unless otherwise noted. You may use individual calculator results for personal, non-commercial purposes. You may not reproduce, republish, or distribute Site content without prior written permission.

External Links

This Site contains links to external websites (CRA, OSFI, CMHC, Statistics Canada, etc.) for your convenience. These links do not constitute an endorsement of those sites. We have no control over the content of external sites and accept no responsibility for them.

Governing Law

These Terms of Use are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law provisions.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes are effective immediately upon posting. Continued use of the Site after changes constitutes your acceptance of the updated terms.

Contact

If you have questions about these Terms of Use, contact us at: legal@canadafinancetools.ca