Terms & Conditions

My Tax Optimizer is an educational analysis tool for Canadian taxpayers. It reviews the information and documents you provide (for example, a Notice of Assessment or a T1 return), surfaces potential tax opportunities you may have missed, and can connect you with a tax professional.

The Service does not provide tax, legal, accounting, or financial advice. Everything the Service produces — estimates, findings, savings ranges, deadlines — is an educational estimate based on the data available to us, and must be verified against your actual filed returns and documents by a qualified tax professional before you act on it. We are not an accounting firm, and using the Service does not create a professional-client relationship between you and us.

Analysis covers personal (T1) tax returns, including self-employment income reported within them. Corporate (T2) tax returns are not analyzed; documents relating to a corporation may be stored to help keep your records organized, but the Service does not produce findings or estimates from them.

We do not file, amend, or refile tax returns on your behalf, and we do not represent you before the Canada Revenue Agency or any provincial tax authority.

Your tax filings are your responsibility. You are solely responsible for what you file, when you file it, and the accuracy and completeness of every figure and claim on your return. Our estimates and findings are a starting point for your own review, not a substitute for it — you must independently verify them against your actual records, and confirm them with a qualified tax professional where appropriate, before you file or otherwise act. We are not responsible for how the Canada Revenue Agency or any provincial tax authority treats a filing or adjustment you make, or for any resulting penalty, interest, additional tax, reassessment, audit, denied claim, or missed deadline.

You must be at least 18 years old and a resident of Canada (or acting for a Canadian tax filer with their authorization) to use the Service. You are responsible for the accuracy of the information you provide, for maintaining the confidentiality of your account credentials, and for all activity under your account. Notify us promptly at privacy@taxledger.ca if you suspect unauthorized use of your account.

You retain ownership of the documents and information you upload or enter into the Service (“Your Content”). By providing Your Content, you grant us a non-exclusive, worldwide, royalty-free licence to host, store, retain, reproduce, process, analyze, and display Your Content for the purposes of operating, maintaining, securing, and improving the Service — including extracting tax data from your documents, building your multi-year tax file, generating analyses and reports, and (only where you have given consent) sharing it with a tax professional or firm you connect with.

This licence continues for as long as we retain Your Content under our Privacy & Content Policy, which explains what we keep, why, and for how long — and how to ask us to delete it.

You represent that you have the right to provide Your Content to us — in particular, that any documents you upload relate to your own tax affairs or to a person who has authorized you to act for them.

When using the Service, you agree not to:

• upload documents or data belonging to another person without their authorization;
• provide false, forged, or altered tax documents or information;
• use the Service to commit or facilitate tax evasion, fraud, or any unlawful activity;
• probe, scan, scrape, reverse-engineer, or interfere with the Service, its security features, or other users’ data;
• resell, sublicense, or provide the Service to third parties without our written consent;
• upload malicious code or content that is unlawful, defamatory, or infringing.

We may suspend or terminate accounts that violate these rules, and we may remove content that we reasonably believe breaches them or exposes us or other users to harm.

The Service can connect you with accounting firms and tax professionals. Any engagement you enter with a firm is between you and that firm — the firm is responsible for the professional services it provides, and its own engagement terms apply. Firms can only see or request your data where you have given explicit consent, which you can manage in your Settings.

How we're paid: if you engage a firm we connect you with, that firm pays us a flat referral fee. The fee is never a percentage of your refund or savings, and it does not change what the firm charges you. Because firms pay us for referrals, we have a commercial relationship with the firms on our platform — we disclose this so you can weigh it when choosing whether to engage one.

The assessment and your single biggest strategy's complete action plan are free — you are not charged, and we never take a contingency cut of any refund. Unlocking the rest of your written report is a one-time $15 CAD, plus applicable sales tax, charged through Stripe — there is no subscription. We may offer promotional codes that reduce or waive this price. Our revenue also comes from the flat referral fee described in Section 5. If we introduce additional paid features, we will present pricing clearly before you are charged, and these Terms will apply to those features unless separate terms are provided.

The Service — including its software, design, analyses, text, and branding — is owned by us or our licensors and is protected by intellectual property laws. Except for Your Content, nothing in these Terms transfers any ownership to you. We grant you a limited, revocable, non-transferable licence to use the Service for your personal, non-commercial purposes (or, for firms, per your organization agreement).

The Service is provided “as is” and “as available”, without warranties of any kind, express or implied, including accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement. Tax rules change; extraction from documents can contain errors; estimates are ranges, not guarantees. We do not warrant that any opportunity we surface will result in an actual refund or savings, or that the Canada Revenue Agency will accept any adjustment.

Tax outcomes are not our responsibility. To the maximum extent permitted by law, we are not liable for any tax outcome arising from your use of the Service — including penalties, interest, additional tax, reassessments, audits, denied or reversed adjustments, missed filing or objection deadlines, or amounts you did or did not claim — whether or not that outcome was informed by the Service's output, and including where that output was incomplete or contained errors (for example, in data extracted from a document). You remain responsible for reviewing and verifying everything before you file.

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost refunds, penalties, interest, or reassessments arising from your use of (or inability to use) the Service or from decisions you make based on its output. Our total aggregate liability for any claim relating to the Service will not exceed the greater of (a) the amounts you paid us in the 12 months before the claim and (b) CAD $100.

Nothing in this section limits liability that cannot be limited under the law that applies to you — including liability for our own gross negligence or intentional fault, and any rights you have under the consumer-protection legislation of your province. If you are a consumer, this section applies only to the extent your province's law permits.

You agree to indemnify and hold us harmless from claims arising out of Your Content, your misuse of the Service, or your breach of these Terms — including claims that a document you uploaded was provided without proper authorization.

You may stop using the Service at any time and may request deletion of your account and data as described in the Privacy & Content Policy. We may suspend or terminate your access if you breach these Terms or if we discontinue the Service; sections that by their nature should survive (including Sections 3, 8, 9, and 10) survive termination.

We may update these Terms from time to time. If a change is material, we will give you at least 30 days' notice in the Service before it takes effect, identifying what changed. If you do not agree, you may stop using the Service and request deletion of your account at no cost before the change takes effect; continued use after that date means you accept the updated Terms.

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, and disputes will be resolved in the courts of that province, without prejudice to any consumer-protection rights you have in your province of residence.

If you reside in Quebec: these Terms are governed by the laws of Quebec and the federal laws of Canada, you may bring or defend proceedings in Quebec, and nothing in these Terms limits any right you have under the Quebec Consumer Protection Act. These Terms do not require arbitration and do not waive your right to participate in a class action.

Questions about these Terms? Reach us at privacy@taxledger.ca.