Terms of Service

1. Acceptance of Terms

By using NorthCalc, you agree to these terms of service. If you do not agree with any part of these terms, please do not use the site.

2. Free Service

NorthCalc is a free service with no registration required. We reserve the right to modify, suspend, or discontinue any part of the service at any time, with or without notice. We are not liable for any unavailability or interruption of the service.

3. Informational Use Only

All calculators on NorthCalc provide estimates for informational and educational purposes only. Results should not be relied upon as professional financial, tax, investment, legal, or accounting advice. Always consult a qualified financial planner, tax accountant, lawyer, or other licensed professional before making any significant financial decisions.

4. Accuracy

We strive to provide accurate, up-to-date calculations, but we make no warranties or guarantees about the correctness or completeness of any results. Tax laws, contribution limits, interest rates, benefit amounts, and government policies change frequently. You are responsible for verifying current figures with the Canada Revenue Agency (CRA), provincial finance ministries, or other official sources.

5. Intellectual Property

All content, design, code, calculators, text, graphics, and other materials on NorthCalc are owned by NorthCalc or our licensors and are protected by copyright and other intellectual property laws. You may not copy, reproduce, modify, distribute, or transmit any of this material without our written permission, except for personal, non-commercial use.

6. Prohibited Uses

You agree not to:

• Scrape, crawl, or systematically download content from the site without permission
• Use automated tools or bots to access the site or its calculators
• Use NorthCalc for illegal purposes or to violate any applicable laws
• Misrepresent the results of NorthCalc calculators as professional financial advice
• Attempt to gain unauthorised access to any portion of the site
• Engage in any activity that disrupts or degrades the service

7. Limitation of Liability

To the fullest extent permitted by law, NorthCalc is not responsible for any financial, tax, investment, or other decisions you make based on our calculators. You use the site and all calculators entirely at your own risk. We are not liable for any direct, indirect, incidental, consequential, or special damages resulting from your use of NorthCalc.

8. 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. You agree to submit to the exclusive jurisdiction of the courts located in Ontario.

9. Changes to Terms

We may update these terms of service at any time. Your continued use of NorthCalc after any changes constitutes your acceptance of the revised terms.

10. Contact

For legal inquiries or to report a concern about these terms, contact us at legal@northcalc.com.