1) Acceptance of Terms

By accessing or using the website, online tools, or professional services of Wise CPA, Professional Corporation (“Wise CPA”, “we”, “our”, “us”), you agree to these Terms and our Privacy Policy. If you do not agree, please do not use our Services.

2) No Automatic Client Relationship

Using our website, contacting us, or using calculators (e.g., Salary vs Dividend Calculator) does not create a client–accountant relationship. A signed engagement letter or service agreement is required before we provide professional services.

3) Use of the Website & Tools

• Use our website and tools for lawful, personal, non-commercial purposes only.
• Do not attempt to access restricted areas, interfere with functionality, or scrape/copy content or calculations.
• Do not use automated means (bots/scrapers) to collect data.

4) Informational Use Only

All materials, including articles, guides, and calculators, are provided for general informational and illustrative purposes only. They are not a substitute for personalized professional advice and should not be relied upon for financial, tax, or business decisions.

Calculator outputs are based on assumptions and current public tax rates and may not reflect your circumstances or the latest legislative changes. Please consult a qualified accountant before acting on any results.

5) Accuracy of Information

We strive for accuracy and currency but make no warranties or representations regarding completeness, accuracy, or suitability. We do not guarantee that tools are error-free or that updates will always reflect the latest tax rules.

6) Limitation of Liability

To the maximum extent permitted by law, Wise CPA and its directors, employees, and agents are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from use of (or reliance on) our site, tools, or content, or from technical errors or downtime. Use is at your own risk.

7) Intellectual Property

All content (including text, graphics, design, software, calculators, and underlying code) is the property of Wise CPA unless otherwise noted. You may not reproduce, distribute, modify, or republish content without our prior written consent.

8) Third-Party Links

Links to external websites are provided for convenience only. We do not control or endorse these sites and are not responsible for their content, accuracy, or security.

9) Privacy & Data Protection

See our Privacy Policy for how we collect, use, and protect personal information.

10) Modifications & Updates

We may modify the site, tools, or these Terms at any time. Changes take effect upon posting. Continued use constitutes acceptance.

11) Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Disputes are subject to the courts of Ontario.

12) Contact