Terms of Use

Acceptance of terms

By using Budget Beavers ("the Site"), you agree to these Terms of Use. If you do not agree, please do not use the Site. These terms may be updated from time to time — continued use constitutes acceptance.

Not financial advice — important disclaimer

Budget Beavers provides educational tools for informational and planning purposes only. Nothing on this site constitutes financial advice, tax advice, legal advice, investment advice, or any other form of professional advice.

The calculators, results, and content on Budget Beavers are estimates based on generalised Canadian regulatory data and the inputs you provide. They are not personalised to your complete financial situation and cannot account for your individual circumstances, risk tolerance, goals, or the full complexity of Canadian tax law.

Before making any significant financial decision — including purchasing a home, opening investment accounts, making tax elections, or planning retirement — consult a licensed professional:

• A licensed mortgage broker or lender for mortgage decisions
• A Chartered Professional Accountant (CPA) for tax matters
• A Certified Financial Planner (CFP) for investment and retirement planning
• A licensed insurance advisor for insurance needs

Accuracy of information

We make reasonable efforts to ensure the accuracy of the data used in our calculators — including CRA tax brackets, CMHC rates, CPP/OAS amounts, and other regulatory figures. We cite sources and effective dates for all regulated data. However:

• Tax rules, contribution limits, and regulatory thresholds change annually. Always verify current figures with CRA or the relevant authority before relying on them.
• Calculator results are mathematical estimates, not guarantees. Actual outcomes depend on factors the calculator cannot know — lender discretion, individual credit history, market conditions, and regulatory changes.
• We do not warrant that the site is free of errors. If you find an inaccuracy, please contact us.

Permitted use

You may use Budget Beavers for personal, non-commercial financial planning and education. You may share links to pages on the site. You may not:

• Scrape, copy, or reproduce our calculators or content for commercial purposes without permission
• Use the site in any way that could harm, disable, or impair its operation
• Attempt to access any part of the site's infrastructure beyond normal browser use

Intellectual property

The Budget Beavers name, logo, and original content are owned by Budget Beavers. The underlying financial formulas (BMR, TDEE, amortization, etc.) are mathematical facts in the public domain. Our specific implementations, written content, and visual design are our own.

Affiliate relationships

Some pages contain affiliate links to third-party Canadian financial services. Budget Beavers may earn a referral fee if you purchase or sign up through these links. This does not affect the price you pay. Affiliate relationships are always clearly disclosed on the relevant page. Budget Beavers is not responsible for the products, services, or content of third-party sites.

Limitation of liability

To the fullest extent permitted by applicable law, Budget Beavers and its operators are not liable for any loss, damage, or expense — direct, indirect, incidental, or consequential — arising from:

• Your use of or reliance on any calculator result or content on this site
• Any errors, omissions, or inaccuracies in the data or calculations
• Any financial decision you make based on information from this site
• Any interruption or unavailability of the site

You use this site at your own risk. The site is provided "as is" without warranty of any kind.

Governing law

These terms are governed by the laws of Canada. Any disputes arising from use of this site are subject to Canadian law and jurisdiction.

Changes to these terms

We may update these terms at any time. The "Last updated" date reflects the most recent revision. Continued use of the site after changes constitutes acceptance.

Contact

Questions about these terms? Use the contact page.