Acceptance of Terms
By accessing or using SmithCalc.ca, you agree to be bound by these Terms of Use and all applicable laws. If you do not agree, you should not use this website or the calculator.
No Financial, Tax, or Legal Advice
Content on SmithCalc.ca, including calculator outputs, explanations, and examples, is provided for general informational and educational purposes only.
Nothing on this site should be construed as personalized financial, investment, tax, or legal advice, or as a recommendation to implement any specific strategy such as the Smith Manoeuvre.
No Guarantee of Accuracy or Outcomes
While reasonable efforts are made to keep the calculator and content up to date, no representation or warranty is given that any information or projection is complete, current, or free from error.
You acknowledge that all projections are hypothetical and that real-world outcomes will depend on many factors beyond the control of SmithCalc, including markets, interest rates, tax rules, product terms, and your own decisions.
Limitation of Liability
To the fullest extent permitted by law, SmithCalc and its creator(s) will not be liable for any losses or damages of any kind arising from or in connection with your use of this website, the calculator, or any information provided here.
You are solely responsible for obtaining independent professional advice and for the consequences of any actions you take or decisions you make.
User Responsibilities
- Verify critical information and assumptions with qualified professionals.
- Use conservative assumptions when modeling leveraged strategies.
- Ensure the Smith Manoeuvre or any similar strategy fits your risk tolerance and financial situation.
Changes to These Terms
These terms may be updated from time to time. Continued use of SmithCalc.ca after changes are posted constitutes your acceptance of the revised terms.
Last updated: June 2026
Terms & Disclaimer – FAQ
Can I rely on the calculator instead of talking to an advisor?
No. The calculator is a decision-support tool, not a replacement for personalized professional advice. It can help you ask better questions but cannot assess your full situation.
What if I spot an error in the projections or content?
Please contact us with details. While we cannot guarantee immediate fixes, accurate tools and explanations are a priority, and good bug reports are appreciated.