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, describe responsibilities and govern how disputes are resolved, subject to rights that cannot legally be waived (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CRA contribution room, forecasts, and projections — is an unverified estimate that may be inaccurate, incomplete, or out of date.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.
The Service is designed for residents of Canada and for Canadian tax, benefit and account rules. We make no representation that it is appropriate or lawful to use elsewhere. If you use it from outside Canada, you do so on your own initiative and are responsible for complying with local law.
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.
RRSP records: Dworra is not affiliated with CRA and does not retrieve your CRA records. Enter the latest statement for the applicable room year, distinguish deduction limits from contribution room, and reconcile unused contributions and deposits already reflected in CRA figures. Estimates depend on complete records across your plans; spousal contributions, transfers, HBP/LLP repayments and first-60-day deposits require particular care. The app does not submit tax returns or guarantee room or deduction eligibility.
Reference figures: tax brackets, credits, benefit amounts, contribution limits, loan and interest calculations, market prices and other reference figures are maintained on a best-efforts basis. They may be simplified or incomplete, may lag official publications, and can change after you rely on them. Benefit amounts are illustrations, not determinations of eligibility or entitlement. Loan, mortgage and line-of-credit figures are projections, not lender payoff quotes.
Settle Up and shared expenses: these features only record amounts you enter. Dworra does not hold, send, receive, or collect money, is not a payment, banking, or money-services business, and is not a party to any arrangement between you and any other person. You are solely responsible for those amounts and arrangements, for any dispute about them, and for having the right to record other people's names and shared amounts.
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.
Inactive accounts. We may delete an account and its Content after twelve (12) consecutive months without a sign-in, after giving at least thirty (30) days' notice to the account's email address.
Discontinuation. We may discontinue the Service in whole or in part. Where reasonably possible we will give at least thirty (30) days' notice so you can export your data; after that period your Content may be permanently deleted.
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 any paid subscription will require your express agreement to its price and payment terms before charges begin. 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.
WITHOUT LIMITING THE ABOVE, AND TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE ARE NOT LIABLE FOR ANY TAX, PENALTY, INTEREST, REASSESSMENT, OVER-CONTRIBUTION TAX, BENEFIT REPAYMENT, LOST OR REDUCED BENEFIT OR CREDIT, LENDER CHARGE, MISSED DEADLINE, OR INVESTMENT LOSS, WHETHER OR NOT IT RELATES TO A FIGURE SHOWN BY THE SERVICE.
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.
We may also delete inactive accounts and discontinue the Service as described in Section 13.
Applicable Canadian federal law and the provincial or territorial laws that apply to your relationship with Dworra govern these Terms. Nothing here removes mandatory protections, available courts or remedies provided by the law applicable to you.
Please contact support@dworra.com so we can try to resolve a concern. This is not a prerequisite to a complaint, court proceeding, urgent relief or contacting a regulator. These Terms do not require arbitration or waive participation in a class proceeding.
Statutory limitation periods apply. These Terms do not shorten them.
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. Material updates will be presented for renewed acceptance, with notice and consent as required by applicable law. If you do not agree, your sole remedy is to stop using and delete your account.
For changes that are not material (such as clarifications, corrections, or updated contact details), continued use of the Service after the updated Terms are posted constitutes acceptance. Material changes are presented for renewed acceptance as described above.
Dworra
Canada
support@dworra.com
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.