Terms of use
A free calculator, and an honest account of what it can and cannot tell you.
Read the first two sections if you read nothing else. They are the ones that matter.
What this is
AffordMath is a set of calculators. You enter figures; it applies published federal rules and the rules of the province, territory or city you select; it shows the arithmetic and names where each rule came from. That is the entire service.
What this is not
It is not financial, mortgage, tax, accounting or legal advice. It is not a pre-approval, a rate quote, an offer of credit, or a promise that any lender will lend you anything. We are not a mortgage broker, a lender, a financial planner or a financial advisor; we are not licensed as any of those; and we do not act for you. No result here has been reviewed by anyone who knows your circumstances. Before relying on a figure, check it with your lender, your notary or lawyer, and your accountant.
Accuracy, and its limits
Every rule is checked against a named published document, dated on the Sources page, and carries how far it can be trusted — measured, derived, an assumption we disclose, or absent because nobody publishes it. That work is the point of the product and we take it seriously. It still does not make an output correct for you: rules and rates change, a figure verified on one date can be stale on another, market benchmarks are estimates, and no calculator knows anything about you that you did not type. Results are estimates.
Liability
The site is provided as it is, with no warranty that it will be available, error-free or fit for a particular purpose. To the extent the law allows, we are not liable for loss arising from your use of it or from a decision you make on the strength of a figure it produced. Nothing here excludes or limits liability that cannot lawfully be excluded — including liability for bodily or moral injury and for gross or intentional fault. Where a limitation cannot lawfully apply to you it does not apply to you, and the remainder of these terms continues to stand.
Governing law, and where a dispute goes
These terms are governed by the law of the province or territory where you reside, together with the applicable laws of Canada. If you are a consumer resident in Quebec you may bring proceedings before the courts of Quebec, and nothing here takes that away. There is no mandatory arbitration clause, and no waiver of your right to take part in a class action.
What belongs to whom
The calculation engine, the interface and the writing are ours. The statutes, rates and published figures the engine applies are not — they belong to the governments and organizations that publish them, and each is credited on the Sources page. The figures you enter are yours, and we never receive them.
Who operates this site
This site is operated by:
- Role
- Operator
- Name
- Vitalii Vasinkevych