1. Acceptance of Terms

By accessing or using NorthCalc ("the Site"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Site.

2. Description of Service

NorthCalc provides free online financial estimation tools including income tax calculators, budget planners, and investment projection tools for residents of Canada and the United States. The Service is provided "as is" and "as available."

3. Not Financial or Tax Advice

Important: All information and calculations provided by NorthCalc are for general informational and educational purposes only. They do not constitute financial advice, tax advice, legal advice, or any other professional advice. Results are estimates and may differ significantly from your actual tax liability.

Tax laws are complex and subject to change. Individual circumstances vary greatly. You should always consult a qualified tax professional, accountant, financial planner, or attorney for advice specific to your situation before making any financial decisions.

4. Accuracy of Information

We make reasonable efforts to keep our tax data current and accurate, but we do not warrant that all information is complete, accurate, or up-to-date. Tax rates, brackets, and regulations change frequently. Always verify calculations with official government sources (CRA, IRS, provincial/state revenue agencies) before relying on them.

5. Limitation of Liability

To the maximum extent permitted by applicable law, NorthCalc and its operators shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from your use of or inability to use the Site or its tools, including any errors or inaccuracies in calculated results.

6. Prohibited Uses

You agree not to:

Use the Site for any unlawful purpose
Attempt to interfere with or disrupt the Site's operation
Scrape or harvest data from the Site in bulk without written permission
Use the Site to provide tax preparation services to third parties for compensation without appropriate licensing

7. Third-Party Links

The Site may contain links to third-party websites, including financial product providers. These links are provided for convenience and do not constitute an endorsement. We are not responsible for the content or practices of any linked sites.

8. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, and software, is the property of NorthCalc and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

9. Governing Law

These Terms shall be governed by and construed in accordance with applicable law, without regard to conflict of law principles.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes take effect upon posting to the Site. Continued use after changes constitutes acceptance of the updated Terms.

11. Contact

Questions about these Terms: contact@northcalc.app