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Terms of Service

Last updated: November 13, 2025

About This Service

When I Can Retire ("the Service") is a retirement planning tool designed specifically for Canadians. The Service provides projections and estimates to help you visualize potential retirement scenarios based on information you provide.

Age Requirement

You must be at least 18 years of age to use this Service. By accessing or using When I Can Retire, you represent and warrant that you are 18 years of age or older. If you are under 18, you may not use this Service.

The Service is intended for adults who are planning for their retirement and requires users to make informed decisions about financial projections and planning. Minors are not permitted to create accounts or use the Service.

Privacy & Data Handling

Your Financial Data Stays Local

All financial information you enter into the Service remains on your device. This includes:

  • Income and salary information
  • Account balances (TFSA, RRSP, RRIF, taxable accounts)
  • Retirement goals and lifestyle spending
  • All scenario data and projections

We use client-side storage to persist your data locally in your browser. Your financial information is never transmitted to our servers unless you explicitly choose to sync it.

Analytics & Third-Party Services

While your financial data stays private, we do collect anonymous usage analytics to understand how people use the Service and improve the experience. This includes:

  • Page views and navigation patterns
  • Browser type and device information
  • Approximate location (country/region level only)
  • Time spent on different features

We use Vercel Analytics for this purpose. This analytics data is aggregated and anonymized—it does not include any of your financial information or personally identifiable details about your retirement plans.

Cloud Sync (Not Yet Available)

This feature does not exist yet. In the future, we plan to offer optional cloud synchronization. When this feature launches:

  • It will be completely opt-in—you must explicitly enable it
  • Your data will be encrypted before being sent to our servers
  • You can delete your synced data at any time
  • Local-only operation will always remain an option

Until this feature is released, all your data remains exclusively on your device.

Not Financial Advice—Educational Tool Only

Important: The Service provides educational projections and estimates only. It is not a substitute for professional financial advice.

The projections, calculations, and suggestions provided by When I Can Retire are based on assumptions, historical data, and mathematical models. They:

  • Do not account for all possible variables that may affect your retirement
  • Are not guaranteed predictions of future performance or outcomes
  • Should not be relied upon as the sole basis for financial decisions
  • May contain errors, omissions, or outdated information despite our best efforts

We strongly recommend consulting with a qualified financial planner or advisor before making significant retirement or investment decisions. A professional can:

  • Review your complete financial situation
  • Provide personalized advice tailored to your circumstances
  • Help you understand risks and opportunities
  • Ensure compliance with current tax laws and regulations

No Fiduciary Relationship

By using this Service, you acknowledge and agree that:

  • We are not acting as your financial advisor, fiduciary, or in any professional advisory capacity
  • No fiduciary relationship is created between you and When I Can Retire, its operators, or contributors
  • We do not have a duty to act in your best interest regarding financial decisions
  • The Service is provided as-is for informational and educational purposes only

Disclaimers & Limitation of Liability

No Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, OR NON-INFRINGEMENT.

We do not warrant that:

  • The Service will be uninterrupted, timely, secure, or error-free
  • The calculations or projections will be accurate or reliable
  • Any defects or errors will be corrected
  • The Service is free from viruses or other harmful components

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WHEN I CAN RETIRE, ITS OPERATORS, CONTRIBUTORS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • Loss of profits, revenue, or savings
  • Loss of data or business opportunities
  • Financial losses resulting from reliance on the Service
  • Any other damages arising from use or inability to use the Service

This limitation applies whether the liability is based on contract, tort, negligence, strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless When I Can Retire, its operators, contributors, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from:

  • Your use or misuse of the Service
  • Your violation of these Terms of Service
  • Your violation of any rights of another party
  • Financial decisions made based on information from the Service

Tax Law & Regulatory Changes

The Service attempts to incorporate current Canadian tax laws and CRA regulations as of the last update date shown above. However:

  • Tax laws and regulations change frequently and without notice
  • We cannot guarantee the Service reflects the most current rules
  • Provincial tax rates, credits, and deductions vary and may not be fully represented
  • Future changes to legislation may significantly affect your retirement projections

Always verify current tax rules with the Canada Revenue Agency or a qualified tax professional.

User Responsibilities

By using the Service, you agree to:

  • Understand that projections are estimates based on assumptions
  • Not rely solely on the Service for financial decision-making
  • Seek professional advice before making significant financial decisions
  • Use the Service in compliance with all applicable laws

Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page with an updated "Last updated" date. Your continued use of the Service after such changes constitutes acceptance of the modified terms.

We encourage you to review these terms periodically to stay informed of any updates.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Canada without regard to conflict of law principles.