Terms and Disclaimer

Last updated October 17, 2026

Using RetirePay Canada

RetirePay Canada is an educational Canadian retirement calculator from K&Y AI Labs. Its projections depend on your entries and assumptions. They are not guarantees or financial, investment, tax, legal or retirement advice. Consult a qualified professional before making decisions.

Coverage and limitations

Quebec plans are not supported. Tax credits and benefit eligibility rules are simplified; rates may change. Check the data dates and limitations in About this app and verify personal benefit entitlements with Service Canada. RetirePay Canada does not sell investments, manage money, or connect to bank accounts.

Free app and optional purchase

The app offers a free estimate and a one-time, non-consumable Full Plan purchase. The purchase screen identifies included features and Apple displays the applicable price. This is not a subscription. Purchases and refunds are handled by Apple. Restoring an eligible purchase restores paid access, not a lost financial plan. No specific schedule of future features or data updates is guaranteed.

Your data

Review the Privacy Policy and Data Saving and Deletion Policy. You are responsible for the entries you provide and destinations you choose for exports.

App licence and consumer rights

The iOS app is licensed under Apple’s standard application licence agreement, unless a different licence is supplied with the app. Nothing on this page excludes rights that cannot be excluded under applicable consumer law. We do not promise that estimates will be complete, error-free or suitable for your circumstances.

Questions and updates

Contact support@retirepay.ca. Updates to these terms will be posted here with a revised date. These terms are governed by the laws of Ontario and the federal laws of Canada that apply there.