📄 Terms of Service

Please read these terms carefully before using mycalchub.ca.

📅 Effective Date: February 1, 2026 | Last Updated: February 1, 2026 | Applies to: mycalchub.ca

1. Acceptance of Terms

By accessing or using mycalchub.ca, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our website.

2. Financial Disclaimer

⚠️ For Informational Purposes Only

The calculators on mycalchub.ca are provided for general informational and educational purposes only. They do not constitute professional financial, legal, tax, medical, or investment advice.

Results produced are estimates only and may not reflect your actual financial situation.
Mortgage calculations do not account for lender-specific fees or rate changes over time.
Tax calculations are based on publicly available rate information and may not reflect your specific obligations.
Investment projections assume consistent returns which are not guaranteed in real markets.
Always verify results with your bank, mortgage broker, financial advisor, or qualified professional before making any major financial decision.

3. Use of the Service

You may use mycalchub.ca for personal, non-commercial purposes. You agree not to:

Use the site for any unlawful purpose
Scrape, copy, or redistribute our calculator tools without written permission
Use automated tools to access the site
Redistribute or resell our calculator tools as your own

4. Advertising

mycalchub.ca is supported by advertising through Google AdSense. Ads displayed are served by Google and may be personalized based on your browsing history. You can opt out at Google Ad Settings.

5. Intellectual Property

All content on mycalchub.ca, including calculator logic, design, text, and code, is the property of mycalchub.ca. You may not reproduce or distribute our content without written permission.

6. Limitation of Liability

To the maximum extent permitted by law, mycalchub.ca shall not be liable for any financial decisions made based on calculator results, errors or inaccuracies in outputs, or any interruption of the service.

7. Governing Law

These Terms of Service are governed by the laws of Canada and the Province of Ontario. Any disputes shall be subject to the jurisdiction of the courts of Ontario, Canada.

8. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be posted on this page with an updated effective date. Continued use of mycalchub.ca after changes constitutes your acceptance.

9. Contact Us

Email: nanayona86 [at] gmail [dot] com