Acceptance and permitted use
By using this site, you agree to use it lawfully and for general educational purposes. Do not attempt to disrupt the site, bypass security, scrape it abusively, impersonate another person, submit malicious content, or use the material to mislead customers or authorities.
No professional relationship
Use of the site does not create a lawyer-client, accountant-client, adviser-client, fiduciary, consultant, broker, lender, insurer, immigration representative, or agency relationship.
Calculators and checklists
Tools produce estimates from user-entered assumptions. Results may be incomplete, rounded, or inappropriate for a particular business. You are responsible for verifying inputs, applying local rules, obtaining quotes, and deciding whether professional review is needed.
Third-party links and advertising
Links and advertisements may lead to third-party sites. Their content, availability, privacy practices, prices, claims, and services are controlled by those parties. A link does not guarantee endorsement or suitability.
Availability and changes
The site may be updated, reorganized, suspended, or removed without notice. Pages, tools, and links may change as editorial priorities or external requirements change.
Limitation
To the maximum extent permitted by law, the publisher is not responsible for losses arising from reliance on general information, missed filings, incorrect assumptions, business decisions, third-party services, unavailable tools, or changes in law or government systems.
Governing law
These terms are governed by the laws of Ontario and the applicable federal laws of Canada, without limiting mandatory rights that cannot lawfully be excluded in a visitor's jurisdiction.