Welcome to Canada Financial Tools ("we," "our," or "us"). By accessing or using our website, calculators, and services, you agree to comply with and be bound by the following terms. If you do not agree with any part of these terms, please refrain from using our website.
1. Acceptance of Agreement
This Agreement constitutes the entire and only agreement between us and you regarding the use of our financial tools. These terms may be updated at any time without specific notice to you. The latest version will always be posted here.
2. No Financial or Professional Advice
Financial decisions should not be made based solely on the output of our tools. We strongly recommend consulting with a certified Canadian financial planner or a qualified accountant before making any commitments.
3. Accuracy of Calculations
While we strive to provide the most accurate and up-to-date data based on Canadian market standards, interest rates, and provincial tax laws, we cannot guarantee that the calculations are 100% error-free. Financial variables like interest rates, amortization schedules, and lender fees can vary significantly between institutions.
4. User Responsibilities & Conduct
As a user of this site, you agree that:
- You will use the tools for personal, non-commercial purposes only.
- You will not use any automated systems (bots, scrapers) to extract data from our website.
- You acknowledge that your actual loan or insurance eligibility depends on your credit score, income, and lender policies, not our calculator's results.
5. Third-Party Links & Affiliate Disclosure
Our website may contain links to third-party websites (banks, brokers, insurance providers). We have no control over the content or privacy policies of these sites. Canada Financial Tools may receive compensation through affiliate links; however, this does not influence our tools' results or increase costs for the user.
6. Limitation of Liability
Under no circumstances shall Canada Financial Tools or its owners be held liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use this website. You use these tools at your own risk.
7. Intellectual Property
All content, branding, design, and code on this website are the property of Canada Financial Tools. Unauthorized reproduction, redistribution, or "framing" of our tools on other websites is strictly prohibited.
8. Governing Law
These terms are governed by the laws of Canada and the applicable provincial regulations. Any legal action shall be brought in the appropriate courts located within Canada.