Disclaimer

Last updated: 2026-07-02

⚠️ Important: The information and tools provided on Toolzie are for informational and educational purposes only. They do not constitute professional advice of any kind. Always verify results with a qualified professional before making financial, legal, medical, tax, or other important decisions.

1. No Professional Advice

The content, tools, calculators, and information on Toolzie (collectively, the "Tools") are provided for general informational and educational purposes only. The Tools do not constitute and should not be relied upon as:

Financial advice — Nothing on this site constitutes investment, lending, insurance, or financial planning advice. Consult a licensed financial advisor, accountant, or other qualified professional for financial decisions.
Tax advice — Tax calculators provide estimates only. Tax laws change frequently and vary by jurisdiction. Always verify your actual tax liability with the Canada Revenue Agency (CRA), Internal Revenue Service (IRS), your provincial/state tax authority, or a licensed tax professional before filing.
Legal advice — Nothing on this site constitutes legal advice. Consult a licensed attorney for any legal questions or decisions.
Medical or health advice — Health calculators (BMI, calorie, body fat, etc.) provide estimates only and are not medical devices. Consult a licensed healthcare provider for medical decisions.
Engineering or professional advice — Unit converters and similar tools are for general reference. Always verify critical calculations with a qualified professional.

2. No Warranties

The Tools are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to:

Warranties of accuracy, reliability, completeness, or fitness for a particular purpose
Warranties that the Tools will be uninterrupted, error-free, or free of viruses or other harmful components
Warranties regarding the results obtained from the use of the Tools

3. No Guarantee of Accuracy

While we strive to keep our Tools accurate and up-to-date, we make no representations or warranties about the accuracy, completeness, or currentness of the information provided. Tax brackets, interest rates, exchange rates, formulas, and other inputs change frequently. You use the Tools at your own risk and are responsible for verifying any results before relying on them.

4. Limitation of Liability

To the maximum extent permitted by law, Toolzie, its owner, operators, employees, contractors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to:

Your use of, or inability to use, the Tools
Any errors, omissions, or inaccuracies in the Tools
Any decisions, actions, or inactions taken in reliance on the Tools
Any financial losses, tax penalties, legal issues, or other damages resulting from use of the Tools

5. Tax, Financial, and Legal Tool Specific Warnings

Our tax, mortgage, loan, salary, currency, and similar financial tools are designed to provide estimates only. They are not tax preparation software, financial planning tools, or substitute for professional services. Specifically:

Tax calculators use simplified models and may not account for all deductions, credits, or jurisdiction-specific rules. Verify with official tax authorities or a licensed tax professional.
Mortgage calculators provide estimates only. Actual rates, payments, and qualification depend on the lender, your credit profile, and other factors. Get pre-approved before shopping for a home.
Loan and credit calculators assume constant rates and regular payments. Variable-rate products behave differently. Read your loan agreement carefully.
Currency converters use exchange rates that may be delayed or inaccurate. For real transactions, use your bank or a licensed money transfer service.

6. Health and Fitness Tool Warnings

BMI, body fat, calorie, macro, and similar calculators provide estimates only and are not medical devices. They do not diagnose, treat, or prevent any medical condition. Consult a licensed healthcare provider before making changes to your diet, exercise, or health regimen.

7. Third-Party Content and Links

Toolzie may contain links to third-party websites, products, or services (including Amazon Associates, Wealthsimple, Ratehub, and other affiliate partners). We are not responsible for the accuracy, legality, or content of any third-party site or product. Affiliate relationships do not influence our tool recommendations or content.

8. Affiliate Disclosure

Toolzie participates in affiliate programs including Amazon Services LLC Associates Program, Wealthsimple, and Ratehub. This means we may earn a commission when you click on certain links and make a purchase or sign up. This comes at no extra cost to you. Affiliate relationships do not affect our tool recommendations, calculations, or content. See our Terms of Service for the full disclosure.

9. No Tax Preparation or Filing Service

Toolzie is not a tax preparation or filing service. We do not collect, store, or transmit your tax information. We do not file taxes on your behalf. For tax filing, use official government services (CRA My Account, IRS Free File, etc.) or licensed tax software like Wealthsimple Tax, TurboTax, or H&R Block.

10. Changes to This Disclaimer

We may update this disclaimer at any time. Continued use of the Tools after changes constitutes acceptance of the updated disclaimer. Check this page periodically for updates.

11. Contact

Questions about this disclaimer? Contact us at toolzie.ca/contact.

📋 Summary: Toolzie provides free tools for informational and educational purposes. We do not provide professional advice. Always verify important calculations with a qualified professional before making decisions. By using Toolzie, you accept these terms.