Educational use only

LoonieLabs calculators and guides are designed to help you understand Canadian tax, benefit, housing, savings, credit, investing, retirement, and newcomer-planning topics. Results are estimates based on the inputs you enter and the public rules or assumptions listed on the page.

• Calculator outputs are not guarantees of CRA, Service Canada, IRCC, lender, issuer, or brokerage results.
• Articles and comparison pages are general information, not individualized recommendations.
• You are responsible for checking official sources and consulting qualified professionals before acting.
• Do not use the site as your only source for filing taxes, applying for benefits, choosing products, or making legal decisions.

Accuracy, sources, and updates

We make reasonable efforts to keep public figures current, including CRA tax brackets, contribution limits, benefit amounts, payment dates, federal and provincial thresholds, and commonly used financial formulas. Our review process is described on the methodology page.

Even with a review process, mistakes and delays can happen. Laws, benefit programs, tax forms, lender rules, product fees, rates, and government guidance may change without notice. A page's "Last reviewed" date tells you when we last checked it; it is not a warranty that every figure will match your circumstances.

Permitted use

You may use LoonieLabs for personal, educational, and research purposes.

• You may link to our pages from your website, newsletter, classroom material, or social account.
• You may quote short excerpts with attribution and a link to the original page.
• You may not copy entire pages, scrape the site at scale, clone our calculators, or republish our content as your own.
• You may not use the site in a way that disrupts service, bypasses security, or creates artificial traffic or ad impressions.

Calculator inputs and privacy

LoonieLabs calculators are built to run in your browser. We do not ask you to create an account to use them, and we do not sell calculator inputs. Some site-level measurement, hosting logs, and cookie choices are handled as described in the Privacy Policy.

Do not enter information you consider highly sensitive unless you are comfortable doing so in your own browser. If you contact us by email, we use the information you send only to respond, handle corrections, or process the request you made.

Advertising and editorial independence

LoonieLabs may display advertising, including Google AdSense, after review or approval. Ads do not change calculator formulas, editorial ordering, review standards, or source requirements. We do not accept paid placement disguised as editorial content.

If a page ever contains affiliate links, sponsorship, paid placement, or a commercial relationship that could affect how a reader interprets the page, we will label it clearly on that page before the link or placement appears.

Third-party links and official sources

Pages may link to Canada.ca, CRA, Service Canada, IRCC, provincial governments, issuers, brokerages, banks, data providers, and other third-party websites. Those sites have their own terms and privacy policies. We are not responsible for their content, availability, pricing, eligibility decisions, rates, or security practices.

When a LoonieLabs page summarizes an official rule, the official source controls if there is a conflict. Use official forms, notices, account portals, and professional advice for binding decisions.

No warranties

The site is provided "as is" and "as available." We do not guarantee that a calculator, article, rate, formula, or link will be error-free, uninterrupted, complete, current, or suitable for your situation.

To the fullest extent allowed by law, LoonieLabs disclaims all express or implied warranties, including implied warranties of accuracy, fitness for a particular purpose, non-infringement, availability, and merchantability.

Limitation of liability

To the fullest extent allowed by law, LoonieLabs, its publisher, editors, contributors, and service providers are not liable for losses, penalties, missed benefits, tax reassessments, denied applications, lost profits, lost data, or other damages connected to your use of the site or reliance on site content.

This limitation applies whether the claim is based on contract, tort, negligence, statute, equity, or any other legal theory.

Corrections and reporting problems

If you find a wrong number, stale source, broken link, accessibility problem, or bug, send details to hello@loonielabs.ca. We review corrections under our corrections policy.

Please include the URL, what appears wrong, and the official source or document you are comparing against. We do not guarantee that every requested change will be made, but we do review source-backed reports.

Changes and governing law

We may update these terms as the site changes. Material updates will change the date at the top of this page. Continued use of the site after an update means you accept the revised terms.

These terms are governed by the laws of Manitoba and the federal laws of Canada that apply there, without regard to conflict-of-law rules.