Terms of use

What you can do

Read everything on the site. Share the free links and calculators with whoever you think would find them useful. Use the calculators for your own planning. Quote short passages in your own writing as long as you credit Hudson Bay Finance and link back to the source page.

What you can't do

Don't republish the writing or the calculators as if they're your own work. Don't scrape the site to train a model without asking us first. Don't use the Hudson Bay Finance name, wordmark, or any of our brand assets to imply we endorse something we don't.

Your unlock is a personal licence for your own devices, not something you own to pass on. Don't share, resell, or republish your unlock code. It comes with your purchase and it's meant for you alone.

Educational only

Everything here is published for learning. It is not personalised tax, legal, or financial advice for your situation. We don't know your full picture, so we can't be advising you on it.

No warranties

We work hard to keep figures correct and up to date, but tax rules change, software has bugs, and the occasional typo slips past review. The site and the calculators are provided "as is", with no warranty that any number is correct for your situation. Verify anything that matters against the Canada Revenue Agency before you act on it.

Limitation of liability

We're not responsible for any losses you experience from acting on anything you read or calculate here. If a court ever decides we are, our total liability to you is capped at what you actually paid us: $0 for the free tools, or $19.99 if you bought the unlock.

Refunds

The $19.99 unlock comes with a 30-day money-back policy. Email us within 30 days of your purchase and we will refund it in full. Reach us at hbfproducts1@gmail.com.

Governing law

These terms are governed by the laws of Alberta, Canada. Any dispute that can't be sorted out by email goes to a court in Calgary, Alberta.

Changes

If we change these terms, we'll update the "Effective" date at the top of the page. Anything substantive (a real change in how we run things) gets flagged in the next newsletter so subscribers see it without having to revisit this page.

Contact

Questions about these terms? Email hbfproducts1@gmail.com.