Last updated: August 6, 2026
Acceptance and educational use
By using the site, you agree to these terms. Content and tools are for general education and preliminary planning, not professional advice or guaranteed results.
Your responsibility
You are responsible for verifying inputs, assumptions, formulas, legal requirements and suitability. Obtain qualified advice for high-stakes or regulated matters.
Tools and browser storage
Tools may contain errors, change or become unavailable. Browser storage is not a backup service. Save important work in your own systems.
Intellectual property
Original text, design and tool code are protected by applicable law. Personal and internal business use is permitted. Republishing substantial material or creating a substitute site requires permission.
External links and advertising
External links and advertisements do not constitute endorsement. Third parties control their own services and terms.
No warranties and liability
The site is provided “as is” and “as available.” To the fullest extent permitted by law, the operator is not liable for losses arising from use of or reliance on the site.
Governing context and changes
These terms are intended to operate under applicable Ontario and Canadian law without limiting mandatory rights in a user’s jurisdiction. Revised terms may be posted with a new date.