PLEASE READ CAREFULLY. These Terms of Service ("Terms") are a binding legal agreement. They contain important provisions that limit our liability, disclaim warranties, require you to indemnify us, allocate all risk to you, shorten the time you have to bring claims, and govern how disputes are resolved (Sections 14–20). By creating an account, clicking "I agree," or using the Service, you accept these Terms in full. If you do not agree, do not access or use the Service.
NOT FINANCIAL, TAX, INVESTMENT, ACCOUNTING, OR LEGAL ADVICE. Dworra is a self-directed personal-finance tracking and estimation tool only. Every figure it produces — including net worth, tax estimates, CRA contribution room, forecasts, and projections — is an unverified estimate that may be inaccurate, incomplete, or out of date. You must independently verify all figures with your CRA Notice of Assessment, financial institution, and a qualified licensed professional before relying on them or making any decision. You use the Service entirely at your own risk.
These Terms govern your access to and use of the Dworra application, website, and all related services, features, content, and software (collectively, the "Service"), operated by Dworra ("Dworra," "we," "us," or "our"), based in Canada and available to users across Canada. By registering for, accessing, or using the Service — including by clicking a box indicating acceptance — you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated herein by reference. These Terms apply to every user of the Service. If you accept on behalf of a household or other persons, you represent that you are authorized to bind them, and "you" includes them.
"Content" means any data, text, figures, or information you enter, upload, or generate through the Service. "User" or "you" means the individual or household using the Service. "Outputs" means any calculations, estimates, projections, summaries, or other results the Service produces. "Applicable Law" means the federal laws of Canada and the laws of the Canadian province or territory in which Dworra has its principal place of business, together with any provincial or territorial laws that apply to you as a user in your own jurisdiction.
You must be at least 18 years of age, of the age of majority in your jurisdiction, and legally capable of forming a binding contract. By using the Service you represent and warrant that you meet these requirements, that all registration information you provide is accurate, and that your use does not violate any Applicable Law or any obligation you owe to a third party. We may refuse, suspend, or terminate access to any person at our sole discretion.
Subject to your continuous compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Service for your own personal, non-commercial household use. This licence confers no ownership. All rights not expressly granted are reserved. We may revoke this licence at any time, for any reason or no reason, without notice or liability.
The Service does not provide financial, investment, tax, accounting, retirement, insurance, estate, or legal advice, and nothing in the Service constitutes a recommendation, solicitation, or offer to buy, sell, or hold any security or financial product. All Outputs are general-purpose estimates generated from information you supply and publicly available rate tables, provided for informational and organizational convenience only. They may contain errors, omissions, or outdated figures. You agree not to rely on the Service or any Output as a basis for any financial, tax, or legal decision, and you agree to independently verify all figures with official sources and appropriately licensed professionals. You are solely responsible for every decision you make and every action you take.
No fiduciary, advisory, agency, partnership, employment, or professional-client relationship of any kind is created between you and Dworra by your use of the Service. We owe you no duty of care beyond what is expressly and unavoidably imposed by Applicable Law.
You knowingly and voluntarily assume all risks associated with your use of the Service, including without limitation risks of inaccurate Outputs, data loss or corruption, unauthorized access, service interruption, and reliance on estimates. You acknowledge that the Service is a convenience tool offered (currently) free of charge, and that you accept it with all faults. To the fullest extent permitted by Applicable Law, you waive and release Dworra from any and all claims arising from such risks.
You agree not to, and not to permit any third party to:
We may investigate and take any action we deem appropriate for any suspected violation, including suspension or termination and referral to law-enforcement authorities.
As between you and us, you retain ownership of your Content. You grant Dworra a worldwide, non-exclusive, royalty-free licence to host, store, process, transmit, back up, and display your Content solely as necessary to operate, secure, maintain, and provide the Service to you, and as described in our Privacy Policy. You represent and warrant that you have all rights necessary to provide your Content and that it does not violate any law or third-party right. You are solely responsible for the accuracy, quality, and legality of your Content. We may remove or disable Content that we believe violates these Terms or Applicable Law.
The Service, including all software, source code, design, "look and feel," text, graphics, logos, trademarks, trade names, and all intellectual property therein, is and remains the exclusive property of Dworra and its licensors, and is protected by Canadian and international copyright, trademark, and other laws. Except for the limited licence in Section 5, these Terms grant you no right, title, or interest in the Service or our intellectual property. "Dworra" and associated marks may not be used without our prior written permission. Any feedback or suggestions you provide may be used by us freely, without restriction or compensation.
The Service relies on and may interoperate with third-party providers (including database, hosting, authentication, and optional market-data providers). We do not control and are not responsible or liable for any third-party service, its availability, security, accuracy, acts, or omissions. Your use of any third-party service is at your own risk and may be subject to that party's separate terms. Any market-data or price information fetched at your request is provided by third parties "as is" and may be delayed, inaccurate, or unavailable.
We provide the Service on an "as is" and "as available" basis. We do not guarantee that the Service will be uninterrupted, timely, secure, error-free, or that any data will be preserved. We may, at our sole discretion and at any time, with or without notice, modify, suspend, limit, or discontinue the Service or any feature, impose limits, or deny access, without any liability to you or any third party. We are not obligated to provide support, maintenance, updates, or error corrections.
The Service is currently offered free of charge. We reserve the right to introduce fees, subscriptions, or paid features at any time. Any such fees will be disclosed before they apply to you, and your continued use after they take effect constitutes acceptance. Because the Service is presently provided at no cost, you acknowledge this fact as a material basis for the risk allocation and liability limitations in these Terms.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE AND ALL OUTPUTS, CONTENT, AND MATERIALS ARE PROVIDED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS," WITHOUT WARRANTY OR CONDITION OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. DWORRA AND ITS OPERATORS, OWNERS, AND SUPPLIERS EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, RELIABILITY, TITLE, QUIET ENJOYMENT, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE OR ANY OUTPUT WILL BE ACCURATE, COMPLETE, CURRENT, RELIABLE, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICE IS FREE OF VIRUSES OR HARMFUL COMPONENTS. NO ADVICE OR INFORMATION, ORAL OR WRITTEN, OBTAINED FROM THE SERVICE CREATES ANY WARRANTY NOT EXPRESSLY STATED HEREIN. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES; TO THAT EXTENT, THE ABOVE EXCLUSIONS APPLY TO THE FULLEST EXTENT PERMITTED AND ANY NON-EXCLUDABLE WARRANTY IS LIMITED IN DURATION AND SCOPE TO THE MINIMUM PERMITTED BY LAW.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL DWORRA OR ITS OPERATORS, OWNERS, DIRECTORS, CONTRACTORS, OR SUPPLIERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR AGGRAVATED DAMAGES; OR FOR ANY LOSS OF PROFITS, REVENUE, SAVINGS, GOODWILL, OPPORTUNITY, DATA, OR FOR ANY FINANCIAL, TAX, INVESTMENT, OR OTHER LOSS, DAMAGE, PENALTY, OR COST WHATSOEVER, ARISING OUT OF OR RELATING TO THESE TERMS, THE SERVICE, ANY OUTPUT, ANY RELIANCE THEREON, ANY DECISION YOU MAKE, ANY DATA LOSS OR SECURITY INCIDENT, OR ANY INABILITY TO USE THE SERVICE — WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR ANY OTHER THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, FROM ALL CAUSES AND UNDER ALL THEORIES, SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU ACTUALLY PAID US FOR THE SERVICE IN THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) CANADIAN $50.00.
Nothing in these Terms excludes or limits liability that cannot be excluded or limited under Applicable Law (such as liability for fraud or for matters that by law cannot be limited). The foregoing limitations reflect a reasonable and agreed allocation of risk and are a fundamental basis of the bargain between you and us.
To the fullest extent permitted by Applicable Law, you agree to defend, indemnify, and hold harmless Dworra and its operators, owners, directors, contractors, and suppliers (the "Indemnified Parties") from and against any and all claims, demands, actions, liabilities, damages, losses, penalties, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your use or misuse of the Service or any Output; (b) your Content; (c) your violation of these Terms or any Applicable Law; (d) your violation of any third-party right; or (e) any decision or action you take based on the Service. We reserve the right, at our own expense, to assume the exclusive defence and control of any matter subject to indemnification, in which case you agree to cooperate. This obligation survives termination.
These Terms remain in effect while you use the Service. You may terminate at any time by ceasing use and deleting your account. We may suspend or terminate your access at any time, for any reason or no reason, with or without notice, and without any liability. Upon termination, your licence ends immediately and we may delete your Content. You are responsible for exporting your Content beforehand. All provisions that by their nature should survive termination (including Sections 6–8, 10–11, 15–17, 19, and 21) shall survive.
These Terms and any dispute arising out of or relating to them or the Service are governed exclusively by the federal laws of Canada and the laws of the Canadian province or territory in which Dworra has its principal place of business, without regard to conflict-of-laws principles. Subject to Section 19.2, you irrevocably submit to the exclusive jurisdiction of the courts of that province or territory, and waive any objection to venue or forum non conveniens. This choice of a single home jurisdiction applies regardless of where in Canada you access the Service.
Before commencing any proceeding, you agree to first contact us and attempt to resolve the dispute informally for at least sixty (60) days. To the maximum extent permitted by Applicable Law, any dispute not resolved informally shall be finally resolved by confidential binding arbitration before a single arbitrator seated in the Canadian province or territory in which Dworra has its principal place of business, and you and we each waive any right to a trial by jury and to participate in any class, collective, or representative proceeding. Where Applicable Law (including applicable Canadian federal or provincial consumer-protection legislation) renders any part of this Section 19.2 unenforceable in respect of a consumer, that part shall not apply to that person to the extent prohibited, and the remainder of these Terms — including Section 19.1 — shall continue in full force.
To the fullest extent permitted by Applicable Law, any claim arising out of or relating to these Terms or the Service must be commenced within one (1) year after the claim arose; otherwise, it is permanently barred.
We may modify these Terms at any time. When we do, we will update the "Version" and "Effective" date above and, for material changes, may require you to re-accept before continued use. Your continued access or use of the Service after changes take effect constitutes your binding acceptance of the revised Terms. If you do not agree, your sole remedy is to stop using and delete your account.
Dworra
Canada
[email protected]
These Terms are provided for general informational purposes and reflect the operator's good-faith allocation of risk. Certain rights of consumers and other parties cannot be waived under Applicable Law and are unaffected. This document does not constitute legal advice; for use at scale we recommend review by a qualified Canadian lawyer.