Terms of Service

By using Cinderfi, you agree to these terms. If you don't agree, please don't use the app.

Not Financial Advice

Cinderfi is an educational tool. It is not a licensed financial advisor, tax professional, or fiduciary. The projections, calculations, and analysis provided by this app are estimates based on the inputs and assumptions you provide.

You should not make financial decisions based solely on the output of this tool. Always consult a qualified financial planner, accountant, or tax professional before making significant financial decisions.

Projections Are Estimates

Cinderfi models future scenarios using simplifying assumptions about investment returns, inflation, tax rates, and government benefits. Actual outcomes will differ — sometimes significantly — from these projections. The app cannot predict market performance, legislative changes, or personal circumstances.

Tax Rules Change

Canadian tax law, CPP/OAS rules, RRSP/TFSA/RRIF limits, and benefit calculations change regularly. While we aim to keep the app current, there may be a delay between legislative changes and updates to the app. Do not rely on this tool for precise, up-to-date tax calculations.

No Warranty

Cinderfi is provided "as is" and "as available" without warranty of any kind, express or implied. We do not guarantee that the app will be error-free, uninterrupted, or free of bugs in its calculations.

Limitation of Liability

To the fullest extent permitted by law, Cinderfi and its creators shall not be liable for any damages — direct, indirect, incidental, consequential, or otherwise — arising from your use of or reliance on this tool.

Your Data

All data you enter stays in your browser. We don't store it, can't access it, and can't recover it if you lose it. You are responsible for your own data. See our Privacy Policy for details.

Changes

We may update these terms. Continued use of the app after changes constitutes acceptance of the new terms. The current version will always be available at this URL.

Contact

Questions? Reach us at info@cinderfi.com.