Terms of Service

1. Acceptance of Terms

By accessing and using SalaryCalc.ca (“the Website”), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use the Website.

2. Description of Service

SalaryCalc.ca provides free online financial calculators designed for Canadian users. Our tools include income tax calculators, mortgage calculators, salary converters, GST/HST calculators, and other financial planning tools. All calculations are performed in your browser — no data is sent to our servers.

3. Not Professional Advice

The calculators and information provided on SalaryCalc.ca are for general informational and educational purposes only. They do not constitute professional financial, tax, legal, or accounting advice.

While we strive to keep our tax rates, contribution limits, and formulas accurate and up to date, we cannot guarantee that all information is complete, current, or error-free. Tax rules and financial regulations change frequently.

You should always consult a qualified professional (such as a Chartered Professional Accountant, financial advisor, or tax specialist) before making financial decisions based on our calculator results.

4. Accuracy and Limitations

Our calculators use publicly available tax rates, benefit formulas, and financial data sourced from the Canada Revenue Agency (CRA) and provincial government publications. However:

• Results are estimates and may not reflect your exact tax situation
• Calculators may not account for all deductions, credits, or special circumstances
• Tax rates and contribution limits are based on the tax year indicated and may change
• Provincial rules vary and our calculators may not cover every jurisdiction's nuances

We update our data regularly but cannot guarantee real-time accuracy. Always verify results against official CRA publications or consult a tax professional.

5. Limitation of Liability

To the fullest extent permitted by applicable law, SalaryCalc.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 the Website or its calculators. This includes, without limitation, damages for lost profits, financial losses, or any decisions made based on calculator results.

You use the Website and its calculators at your own risk and discretion.

6. Intellectual Property

All content on SalaryCalc.ca, including text, graphics, logos, calculator designs, code, and documentation, is the property of SalaryCalc.ca or its content creators and is protected by Canadian copyright and intellectual property laws.

You may use the calculators for personal, non-commercial purposes. You may not reproduce, distribute, or create derivative works from the Website's content without prior written permission.

7. Acceptable Use

You agree not to:

• Use the Website for any unlawful purpose
• Attempt to interfere with the Website's operation or security
• Scrape, crawl, or collect data from the Website using automated means without permission
• Misrepresent calculator results as official tax assessments or professional advice
• Use the Website to transmit harmful code or malicious content

8. Advertisements

SalaryCalc.ca may display advertisements through Google AdSense or other advertising networks. These ads help keep our calculators free for all users. We are not responsible for the content of third-party advertisements or the products and services they promote.

Some content on the Website may include affiliate links. If you click an affiliate link and make a purchase, we may earn a commission at no additional cost to you. Affiliate relationships are clearly disclosed with a “Sponsored” label.

9. External Links

The Website may contain links to third-party websites (such as the CRA, provincial government sites, or financial service providers). We are not responsible for the content, privacy practices, or accuracy of these external sites. Linking to a third-party site does not constitute an endorsement.

10. Modifications

We reserve the right to modify these Terms of Service at any time. Changes take effect immediately upon posting to this page. Your continued use of the Website after changes are posted constitutes acceptance of the updated terms.

11. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising from these terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Ontario.

12. Contact

If you have questions about these Terms of Service, please use the contact page.