1. Acceptance of Terms

By accessing and using the Doctor Fiscal Planner service provided by DocuCharge.ca, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this service.

2. Service Description

Doctor Fiscal Planner is a tax planning and financial optimization tool designed specifically for incorporated medical professionals in Canada. The service provides:

Tax Saver (Basic Plan): Basic tax estimations and planning tools
Wealth Builder (Professional Plan): Advanced deductions, investment planning, and verified calculations
Wealth Collective (Premium Plan): Multi-doctor practice management and premium features

3. User Eligibility

This service is intended exclusively for:

Licensed medical professionals in Canada
Incorporated medical practices
Users who are 18 years of age or older
Users who can form legally binding contracts under applicable law

4. Important Disclaimers

4.1 Tax Saver (Basic Plan) Limitations

⚠️ IMPORTANT: The Tax Saver (Basic Plan) provides estimates only and should NOT be used for actual tax filing. These calculations are simplified and may not reflect your complete tax situation.

4.2 Professional Tax Advice

This service does not constitute professional tax, legal, or financial advice. All calculations and recommendations should be reviewed and verified by a qualified accountant or tax professional before implementation.

4.3 CRA Compliance

While our calculations are based on current Canadian tax laws and CRA guidelines, tax regulations change frequently. Users are responsible for ensuring compliance with current tax laws and filing requirements.

5. User Responsibilities and Data Accuracy

📋 Critical User Responsibilities

YOU ARE SOLELY RESPONSIBLE for ensuring all information you input into our service is:

Accurate and truthful
Complete and up-to-date
Compliant with CRA requirements
Supported by proper documentation
Verified by qualified professionals before use in actual tax filing

By using this service, you agree to:

Provide accurate and complete financial information - Any calculations are only as reliable as the data you provide
Verify all calculations independently with qualified tax professionals before making financial decisions
Understand investment suggestions are not advice - You make all investment decisions at your own risk and discretion
Keep your account information secure and confidential
Use the service only for lawful purposes
Not share your account credentials with others
Comply with all applicable laws and regulations, especially CRA requirements
Consult with qualified professionals for actual tax filing and financial planning
Accept full responsibility for any consequences of acting on information from our service

6. Payment Terms

6.1 Subscription Plans

Tax Saver: Free with limited features
Wealth Builder: $79/month with advanced features
Wealth Collective: $199/month with premium features

6.2 Billing and Cancellation

Subscriptions are billed monthly in advance. You may cancel your subscription at any time, with cancellation taking effect at the end of the current billing period. No refunds are provided for partial months.

7. Intellectual Property

All content, features, and functionality of the Doctor Fiscal Planner, including but not limited to text, graphics, logos, calculations, and software, are owned by DocuCharge.ca and are protected by Canadian and international copyright, trademark, and other intellectual property laws.

8. Limitation of Liability and Calculation Disclaimers

⚠️ CRITICAL DISCLAIMERS

No Liability for Calculations: We take NO responsibility for the accuracy of any calculations, estimates, or recommendations provided by our service.
User Data Responsibility: All calculations are based solely on information YOU provide. You are responsible for ensuring all input data is accurate, complete, and factual according to CRA requirements.
Investment Suggestions: Any investment recommendations are suggestions only, NOT professional financial advice. Your decision to act on these suggestions is entirely your own consensual choice.
CRA Compliance: You are solely responsible for ensuring compliance with all CRA requirements and regulations.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DOCUCHARGE.CA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.

We are not responsible for any tax penalties, interest, audit costs, legal fees, or other consequences arising from:

The use of our calculations, estimates, or recommendations
Inaccurate or incomplete data provided by users
Changes in tax laws or CRA interpretations
Investment decisions made based on our suggestions
Any actions taken based on information from our service

USER ACKNOWLEDGMENT: By using this service, you acknowledge that you understand the limitations of our calculations and agree to verify all information independently with qualified professionals before making any financial or tax decisions.

9. Data and Privacy

Your privacy is important to us. Our collection and use of your information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our service, you consent to the collection and use of your information as described in our Privacy Policy.

10. Service Availability

We strive to maintain service availability but do not guarantee uninterrupted access. We reserve the right to modify, suspend, or discontinue the service at any time without notice. We may also impose usage limits or restrict access to certain features.

11. Prohibited Uses

You may not use the service:

For any unlawful purpose or to solicit unlawful acts
To violate any international, federal, provincial, or local regulations or laws
To transmit or procure the sending of any advertising or promotional material
To impersonate or attempt to impersonate the company or another user
To engage in any activity that interferes with or disrupts the service

12. Termination

We may terminate or suspend your access to the service immediately, without prior notice or liability, for any reason, including without limitation if you breach the Terms of Service. Upon termination, your right to use the service will cease immediately.

13. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of Canada and the province of British Columbia, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of British Columbia.

14. Changes to Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of any material changes by email or through our service. Your continued use of the service after such modifications constitutes acceptance of the updated terms.

15. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: legal@docucharge.ca
Website: https://docucharge.ca
Subject Line: Terms of Service Inquiry

16. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

🚨 FINAL IMPORTANT REMINDERS

Tax Saver (Basic Plan): Estimates only - DO NOT use for actual tax filing
Your Data, Your Responsibility: All calculations depend on information YOU provide - ensure accuracy
Investment Suggestions: Are suggestions, not advice - you decide and bear responsibility
Professional Consultation Required: Always verify with qualified accountants before acting
No Liability: We take no responsibility for consequences of using our calculations or suggestions
User Consent: By using this service, you consent to these limitations and accept full responsibility