Terms of Use
Last updated: April 1, 2026
1. Acceptance of Terms
By using calk-ca.com, you agree to these terms. If you do not agree, please do not use the site.
2. Nature of Service
calk-ca.com provides free financial calculators for informational and educational purposes only. The calculators produce estimates based on publicly available data from Canadian government sources (CRA, CMHC, Bank of Canada, provincial governments).
3. Not Financial Advice
The results provided by our calculators do NOT constitute financial, tax, legal, or investment advice. They are estimates based on general formulas and standard assumptions. Your actual tax liability, mortgage payments, or investment returns may differ based on factors specific to your situation. Always consult a qualified professional (accountant, financial advisor, tax preparer, or lawyer) before making financial decisions.
4. Accuracy
While we strive for accuracy and update our data from official government sources, we cannot guarantee that all calculations are error-free at all times. Tax laws change, rates are updated, and edge cases may not be fully captured. Users are responsible for verifying important calculations against official sources.
5. No Warranty
The service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or accuracy of calculations.
6. Limitation of Liability
calk-ca.com and its operators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use of or inability to use our calculators, or from any errors in calculations, even if we have been advised of the possibility of such damages.
7. Intellectual Property
All content, design, code, and calculators on calk-ca.com are protected by copyright. You may use the calculators for personal and educational purposes. You may not copy, reproduce, or redistribute our calculators or content without written permission.
8. Third-Party Content
Our site may display advertisements from Google AdSense. We are not responsible for the content, accuracy, or practices of advertisers. Links to government websites are provided for reference and are governed by their own terms.
9. Modifications
We reserve the right to modify these terms at any time. Changes take effect upon posting to this page. Continued use of the site after changes constitutes acceptance of the modified terms.
10. Governing Law
These terms are governed by the laws of the Province of Ontario, Canada, without regard to conflict of law provisions.
11. Contact
For questions about these terms, contact us at [email protected].