Terms & Conditions
Please read these Terms and Conditions ("Terms") carefully before using the website located at https://canadacalculator.ca (the "Site") operated by CanadaCalculator.ca ("we", "us", or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
1. Acceptance of Terms
By accessing and using CanadaCalculator.ca, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. These Terms apply to all visitors, users, and others who access the Site.
2. Description of Service
CanadaCalculator.ca provides free online financial calculators designed to assist Canadian residents with estimating mortgage payments, tax obligations, immigration scores, and other financial figures. All calculators are provided for informational and educational purposes only.
3. No Financial Advice
The information and results provided by our calculators do not constitute financial, mortgage, tax, legal, investment, immigration, employment, or government benefits advice. This includes but is not limited to: EI benefit estimates, severance pay calculations, maternity/parental leave amounts, rent increase guidelines, overtime pay rules, vacation pay entitlements, land transfer tax amounts, and immigration score calculations. All results are estimates based on the inputs you provide and standard Canadian formulas and regulations. We are not licensed financial advisors, mortgage brokers, accountants, lawyers, or immigration consultants.
You should always consult a qualified licensed professional (such as a mortgage broker, financial planner, accountant, or immigration consultant) before making any financial or legal decision. Reliance on any information provided by this Site is solely at your own risk.
4. Accuracy of Information
While we make every reasonable effort to ensure that our calculators use accurate and current Canadian rules, rates, and regulations, we make no representations or warranties of any kind — express or implied — about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics on the Site for any purpose.
Canadian financial rules (including CMHC insurance thresholds, stress test rates, tax brackets, and CRS scoring) may change at any time. We cannot guarantee that our calculators reflect the most current rules at all times. Always verify important figures with official government sources (CMHC, CRA, IRCC) or a licensed professional.
5. Limitation of Liability
To the fullest extent permitted by applicable law, CanadaCalculator.ca and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site or its calculators, even if we have been advised of the possibility of such damages.
This includes, without limitation, any errors or omissions in any content, any loss or damage of any kind incurred as a result of the use of any content posted, transmitted, or otherwise made available via the Site.
6. Intellectual Property
All content on this Site — including but not limited to text, calculators, code, design, logos, and graphics — is the property of CanadaCalculator.ca and is protected by applicable Canadian and international copyright and intellectual property laws.
You may use the calculators for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from this Site without our express written permission.
7. Third-Party Advertising
This Site uses Google AdSense to display third-party advertisements. We do not endorse, control, or take responsibility for the content of any third-party advertisements. Your interaction with any third-party advertiser is governed by that advertiser's own terms and privacy policies.
8. Third-Party Links
The Site may contain links to third-party websites for your convenience. These links do not imply endorsement by CanadaCalculator.ca. We have no control over the content or availability of linked sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.
9. User Conduct
You agree not to use this Site in any way that:
- Is unlawful, fraudulent, or harmful
- Attempts to circumvent, disable, or interfere with security features of the Site
- Scrapes or harvests data from the Site using automated tools
- Transmits any unsolicited commercial communications
- Impersonates any person or organization
10. Disclaimer of Warranties
The Site and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.
12. Changes to These Terms
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.
13. Contact
If you have any questions about these Terms, please contact us via our Contact page.