Disclaimer
Seller: Accountants Expert, operated by BOMCAS Canada. The seller has not published a street address or a registration number on this page. Write to licences@accountantsexpert.com.
1. Estimates only
The calculators on this site and in the plugins give estimates only. They are not tax advice, legal advice, accounting advice, or financial advice. They are not a ruling, an assessment, a payroll instruction, or a filing position. They apply the rate file they have to the numbers a user types. They do not know facts the user left out. A result can be wrong because the input was wrong, because the rate file is behind a government change, or because the user's real situation has a rule the calculator does not model.
The seller is Accountants Expert, operated by BOMCAS Canada. Using a calculator does not create a professional relationship with the seller. It does not create a retainer, a fiduciary duty, or a duty of care of the kind a client has with a firm they have engaged. No person at the seller becomes the user's accountant, tax adviser, or lawyer because the user loaded a page.
2. No warranty of rates or accuracy
The seller does not warrant that a rate, a threshold, a bracket, a credit, or a contribution amount is accurate, complete, or current. Governments change rules. A bulletin can be issued after the rate file was last updated. A calculator may omit a surtax, a credit, a clawback, or an election that matters in the user's case. The software is provided as is. The Limitation of Liability and Indemnity disclaims warranties to the extent the law allows and caps liability at the fees paid in the prior twelve months.
A paid update service, while the plan is active, is a service to deliver the rate packs and software updates the seller releases. It is not a warranty that the pack matches every source on the day a ministry publishes it. The seller may label a year as the latest on file. That label means the file the seller has checked, not that the government has finished announcing the year.
3. The user must verify
The user must verify a figure with the Canada Revenue Agency, with Revenu Québec where the figure concerns Quebec, and with a qualified professional before relying on it. Official sources include the publications those agencies issue for the year in question. A link from this site to an official page is a convenience. The official page controls if the two differ. The user must also verify payroll amounts before paying staff. An estimate of a deduction is not an authority to remit that amount.
A firm that shows a calculator to its own clients must tell those clients the same thing. The firm must not present the result as the firm's opinion unless a qualified person at the firm has actually formed that opinion. The seller is not that person. The firm's clients are not clients of the seller.
4. What the tools do not do
The tools do not file a return, do not remit a source deduction, do not register a business for a tax account, and do not represent the user in a dispute with a tax authority. They do not know about elections, related persons, or facts that are not on the form. Personal, the one-site plan, does not include payroll calculators. A payroll figure is not part of what Personal sells. Professional and Agency include the payroll tools the product page lists, and those tools are still estimates.
Land transfer, vehicle purchase, corporate tax, and the other firm tools are estimates from the tables the product ships. They are not a lender's quote and not a property lawyer's statement of adjustments. A mortgage figure uses the rate and the compounding the user types. It is not an offer of credit. The seller is not a lender and is not arranging a mortgage.
5. No reliance by third parties
A person who is not the user, including a client, a lender, a court, or a tax authority, may not rely on a result as a statement by the seller. The seller accepts no duty to those people. If a user forwards a result, the user forwards it as their own extract of an estimate, not as a letter from the seller. The seller will not confirm a result to a third party except where the law requires a response to a lawful demand, and even then the seller will say that the figure was an estimate.
The user indemnifies the seller for a claim by a third party arising out of the user's reliance, as the Limitation of Liability and Indemnity describes, to the extent the law allows that indemnity. A consumer's indemnity is limited as that page says.
6. Jurisdiction and changes
Tax rules differ by province and territory and by the year. A calculator that asks for a province is only as good as that choice. Quebec has rules that other provinces do not, including the Quebec abatement, the Quebec Pension Plan, the Quebec Parental Insurance Plan, and Quebec sales tax. A result that ignores a choice the user made incorrectly is not a defect. The user should read the labels on the form.
The seller may change or remove a calculator. A change in the software does not change a past result the user already copied down. The user should keep their own copy of anything they intend to show a client, and should date it. This disclaimer is versioned at the top of the page. It applies to every calculator the seller offers, on the website and in the plugins, unless a screen states a narrower limit that is more protective of the user.
7. Payroll, sales tax, and income tax
An income-tax estimate uses the brackets, basic personal amounts, and provincial pieces the rate file lists for employment income the user describes. It is not a complete T1 and it is not a TP1. It does not know about every credit, deduction, or split the user might claim. A sales-tax estimate uses the GST, HST, PST, or QST rules the file lists for the date and the province the user selects. It does not know whether a supply is exempt, zero-rated, or a point-of-sale rebate unless the form asks and the user answers. A payroll estimate uses the pension and employment-insurance factors in the file and an income-tax estimate divided by the number of pays. It is not a T4 and it is not an RL-1.
Quebec payroll and Quebec income tax have their own rules, including the Quebec Pension Plan, the Quebec Parental Insurance Plan, the federal abatement, and Quebec sales tax. A user who picks the wrong province will see the wrong estimate. That is an input error, not a promise that the other province's rules apply. British Columbia payroll withholding and the annual return rate are not the same figure. The screen that says so should be read. The user still verifies with the Canada Revenue Agency and, for Quebec, with Revenu Québec.
Employer health tax, where a tool estimates it, is an estimate of a provincial payroll tax from the thresholds in the file. It is not a return filed with the province and it is not advice that the employer is or is not associated with another employer. Corporate tax, capital gains, capital cost allowance, and dividend tools are estimates for a person who already understands which rule might apply. They do not choose the rule for the user.
8. No duty to update a copied figure
A figure the user copied last month is not updated when the rate file changes. The user must run the calculator again. The seller does not email every past visitor when a rate changes. A paid site with an active plan receives the updates the seller publishes, and the buyer still checks the result before using it. A free page on this website may change without notice. A screenshot of an old result should not be shown to a client as if it were current.
The seller does not review the user's inputs and does not sign the result. There is no second pair of eyes at the seller. A firm that wants a reviewed computation must engage a qualified person. The existence of a help article inside the plugin, written for the person who administers the site, does not convert the article into advice for that person's clients. Help articles explain the software. They do not prepare a return.
If a result looks wrong, the user should check the inputs, the province, the year, and the official page, and may write to support about a software defect. A difference between an estimate and an official assessment is not, by itself, proof of a defect. The Refund and Cancellation Policy explains that a disagreement with a figure is not a billing error. This disclaimer is the reason that policy says so.
9. How these words are used
Headings are for convenience. They do not change the operative text. “Including” means “including without limitation”. The singular includes the plural and the other way around. “Writing” includes email. A reference to a statute is to that statute as amended, and to any regulation made under it. A reference to a person includes a natural person, a corporation, a partnership, and any other entity. If a word is defined in this document, that definition applies wherever the word is used, unless the sentence says otherwise.
If a translation of this page is published, the English text controls. If a page on the site summarises this document in shorter words, this document controls where they differ. A failure to enforce a term on one occasion is not a waiver. A waiver must be in writing to be effective, and it applies only to the breach it names. The seller may assign this document to a successor of the business. The buyer may not assign a licence or an account without the seller’s prior written consent, except where a mandatory law says otherwise.
If a court finds that one term cannot be enforced, the rest of the document stays in force. The invalid term is modified to the minimum extent needed to make it valid, if a modification can do that without changing the bargain. This document, together with the other policies named in it and the plan the buyer selected at checkout, is the entire agreement on its subject. It replaces earlier oral statements and earlier website summaries about that subject. A purchase order or a buyer’s standard terms do not amend it unless the seller signs a document that says they do.
Days are calendar days unless a section says business days. A business day is a day other than a Saturday, a Sunday, or a statutory holiday in Alberta. Notices to the seller are sent to licences@accountantsexpert.com and are effective when the email is received, or on the next business day if it arrives outside ordinary business hours. Notices to the buyer are sent to the email on the account and are effective when sent, unless the message bounces and the seller has another address on file. The buyer must keep that email address current.
10. Governing law and mandatory rights
Accountants Expert, operated by BOMCAS Canada offers the website, the calculators, and the paid plans from Alberta, Canada. This document is governed by the laws of Alberta and the federal laws of Canada that apply in Alberta. The courts of Alberta have jurisdiction, subject to the dispute section of the Limitation of Liability and Indemnity and to any mandatory rule that lets a consumer sue or be sued at home.
Nothing in this document limits a right that a statute says cannot be limited. That includes mandatory protections for a consumer in the buyer’s province or country. For a consumer in Quebec, the Consumer Protection Act, CQLR c P-40.1, applies where it must, and a term that conflicts with it is read down. For a consumer in the European Union, the mandatory parts of Directive 2011/83/EU on consumer rights, as implemented in the buyer’s member state, and the mandatory parts of the digital-content rules that apply to that buyer, are preserved. For a consumer in the United Kingdom, the mandatory parts of the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 are preserved.
Where those laws give a consumer a right to withdraw from a distance contract for digital content, the buyer is asked at checkout to request immediate supply and to acknowledge that the withdrawal right ends once supply of the digital licence begins. That request and acknowledgement do not apply where a mandatory law keeps the withdrawal right, including for a consumer in Quebec. A business buyer who is not a consumer does not receive consumer withdrawal rights.
The seller does not claim a professional designation, a certification, or a membership on these pages. The calculators are software. They are not a filing, a ruling, or a retainer. Dispute resolution, the class-action waiver, and arbitration are described in the Limitation of Liability and Indemnity. They are not enforceable against a Quebec consumer where the law of Quebec refuses them. They also do not apply where the law of the buyer’s province or country refuses a waiver of a class action or a requirement to arbitrate.
11. Changes, records, and survival
The seller may update this document by posting a new version with a new version number and a new effective date. The version line at the top of the page is the version in force. A material change to a paid plan is also handled in the Terms of Sale, including notice before a renewal price changes. Continued use of a free page after the effective date is acceptance of the new website terms. A paid subscription keeps the commercial terms accepted at the start of the current paid term until that term renews, except where a change is required by law or is needed to stop abuse.
The site consent bar asks again when the policy version changes. A previous acceptance stored in the cookie, in local storage, or in the consents table does not cover a later version. Checkout keeps its own consent screen. Accepting the bar does not replace the checkboxes at checkout, and the checkboxes at checkout do not replace the bar.
Terms that by their nature should survive the end of a subscription do survive. That includes accrued payment obligations, the refund rules for a period already paid, the licence restrictions on a copy already received, the disclaimer, the limitation of liability, the indemnity, the governing-law clause, and the sections needed to interpret them. The end of a subscription does not erase a record the seller must keep for tax, accounting, or a legal claim.
The contact for every policy on this site is licences@accountantsexpert.com. Support about a licence key or a download may also be handled from My Account. Do not send a client’s tax return, a social insurance number, or a full licence key to that address. Send the account email and a description of the issue.
These pages are written for customers of Accountants Expert. They are not a legal opinion and they are not a certification. Have them reviewed by a lawyer before you rely on them.
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