Terms of use

Informational use only

The calculators, articles and figures on this site are provided for general informational purposes. They do not constitute tax, accounting, legal, mortgage, investment or financial advice, and no professional relationship is created by using them. Tax rules, rates and lending criteria change frequently and vary by circumstance. Always verify results with the CRA, the IRS, your state or provincial authority, or a licensed professional before making a decision or filing a return.

No warranty

The site is provided "as is" without warranties of any kind, express or implied. While we take care to keep formulas correct and rates current, we do not warrant that results are accurate, complete or suitable for any particular purpose. Simplified models are used deliberately so that the tools stay fast and understandable, and those simplifications will not match every taxpayer or business.

Limitation of liability

To the maximum extent permitted by law, FTT Finance-To-Thrive is not liable for any loss or damage — including lost profits, penalties, interest or business interruption — arising from reliance on any result, content or link provided on this site.

Acceptable use

• Do not attempt to disrupt, overload or gain unauthorised access to the site.
• Do not scrape or republish the content in bulk without written permission.
• Do not misrepresent our results as professional advice to third parties.

Third-party links

We link to third-party tools and services, some of them affiliate links. We do not control those websites and are not responsible for their content, pricing, privacy practices or the products they sell.

Intellectual property

The site name, layout, written explanations and calculator implementations are owned by FTT Finance-To-Thrive. You may cite short excerpts with a link back; wholesale reproduction is not permitted.