Terms of Use

CalcFinance (calcfinance.ca) is an independent project dedicated to providing free financial calculation tools for Canadians and Quebecers. To contact us, use the form available at calcfinance.ca/en/contact.

Hosting: Vercel Inc., 340 Pine Street, Suite 701, San Francisco, CA 94104, United States.

The calculators and content published on CalcFinance are provided for informational and educational purposes only. They represent estimates based on user-entered data and standardized mathematical formulas.

Results produced by CalcFinance do not constitute financial, tax, legal, or investment advice. Any significant financial decision (real estate purchase, loan application, retirement planning) should be made in consultation with a qualified professional: a Certified Financial Planner (CFP), investment advisor, accountant, or notary.

CalcFinance shall not be held responsible for decisions made based on the results displayed by its calculators.

We strive to keep our calculators compliant with current Canadian financial rules (including the Interest Act for mortgages, provincial tax rates, and CRA RRSP limits). However, tax and financial rules may change. We recommend verifying data with official sources: Canada Revenue Agency (canada.ca/cra), Revenue Quebec (revenuquebec.ca), CMHC (cmhc-schl.gc.ca).

All content published on CalcFinance (texts, articles, calculators, source code, graphics, and layouts) is the exclusive property of CalcFinance and is protected under Canadian copyright law.

Any reproduction, distribution, or commercial use of content from this site without prior written authorization is strictly prohibited. Hyperlinks to our site are permitted without prior permission.

CalcFinance makes every effort to ensure the availability and continuity of its service but cannot guarantee uninterrupted site access. In the event of interruption due to maintenance, technical failures, or events beyond our control, CalcFinance shall not be held liable.

The site may contain links to third-party websites. CalcFinance is not responsible for the content, availability, or privacy practices of these external sites.

CalcFinance may display advertisements through the Google AdSense network. These ads are managed by Google LLC and may be personalized based on your interests. CalcFinance is not responsible for the content of advertisements served by Google.

In keeping with our commitment to transparency, any sponsored or affiliate content is clearly identified as such.

These Terms of Use are governed by Canadian law and the laws of the Province of Quebec. Any dispute relating to the use of CalcFinance falls under the exclusive jurisdiction of Quebec courts.