Terms of Use
Last updated: June 11, 2026
1. Acceptance of Terms
By accessing or using RealCalculators.ca ("the Site"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site.
2. Nature of the Service
RealCalculators.ca provides free online financial and real estate calculators for informational and educational purposes. The Site is intended for use by Canadian residents and is designed around Canadian tax law, mortgage rules, and real estate conventions.
3. Not Professional Advice
Nothing on this Site constitutes financial, mortgage, legal, tax, real estate, or investment advice. All calculator outputs are estimates based on the inputs you provide and simplified formulas. They do not account for your complete financial situation, lender-specific policies, or current market conditions.
Before making any financial decision — including purchasing a home, taking out a mortgage, investing in rental property, or planning for retirement — you should consult a qualified and licensed professional, including as appropriate:
- A licensed mortgage broker or lender
- A registered real estate agent or lawyer
- A Chartered Professional Accountant (CPA)
- A Certified Financial Planner (CFP)
Mortgage qualification estimates do not constitute a pre-approval or guarantee of financing from any lender.
4. Accuracy of Information
We make reasonable efforts to keep calculator formulas current and accurate, including Canadian-specific rules such as semi-annual mortgage compounding, CMHC insurance premiums, provincial land transfer taxes, and federal/provincial tax rates. However, rates, rules, and legislation change. We cannot guarantee that all information is up to date at the time of your use.
Always verify results against official sources such as the Canada Mortgage and Housing Corporation (CMHC), Canada Revenue Agency (CRA), and your provincial land titles office.
5. Limitation of Liability
To the fullest extent permitted by applicable law, RealCalculators.ca and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or reliance on the Site or its calculator outputs. This includes, without limitation, any financial loss, missed opportunity, or incorrect assumption made based on calculator results.
The Site is provided "as is" and "as available" without warranties of any kind, express or implied.
6. Intellectual Property
All content on this Site — including calculator logic, blog posts, design, and copy — is the property of RealCalculators.ca and is protected by Canadian and international copyright law. You may not reproduce, distribute, or create derivative works without express written permission.
7. Third-Party Links
The Site may contain links to external websites (including CMHC, CRA, Bank of Canada, and others). These links are provided for convenience and reference only. We have no control over the content of external sites and accept no responsibility for them.
8. Acceptable Use
You agree not to:
- Use the Site for any unlawful purpose
- Attempt to scrape, copy, or reverse-engineer the Site's calculator logic at scale
- Interfere with the Site's operation or security
- Misrepresent calculator results to third parties as professional advice
9. Governing Law
These Terms are governed by the laws of Canada and the province of Ontario. Any disputes arising from use of this Site shall be subject to the exclusive jurisdiction of the courts of Ontario.
10. Changes to These Terms
We reserve the right to update these Terms at any time. The "Last updated" date reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
11. Contact
Questions about these Terms may be directed to: stevenjdavies2013@gmail.com