Educational only, not advice.

The headline

Robinn is an educational publication about Canadian personal finance. The content on this site — articles, calculators, ranges of values, suggested strategies — is provided for general informational purposes only.

Nothing here is financial advice. Nothing here is legal advice. Nothing here is tax advice. No lawyer-client, advisor-client, accountant-client, or fiduciary relationship is formed by your use of this site.

Why this matters

Personal finance is, by nature, personal. Two people with identical incomes, identical goals, and identical mortgages can still have meaningfully different optimal decisions because of things like marital status, employment stability, dependents, province of residence, existing debts, risk tolerance, time horizon, and dozens of other factors that we cannot see from a calculator input field.

That's why anything you read here is best understood as background information for a conversation with a licensed professional — not as a recommendation tailored to your situation.

About the calculators

We work hard to make the calculators on Robinn mathematically accurate against the rules they implement (Canadian semi-annual mortgage compounding, OSFI's B-20 stress test, CMHC premium tiers, etc.). But:

• Rules change. CRA contribution limits, OSFI guidelines, CMHC premiums, and provincial tax brackets are updated periodically. We update content as we become aware of changes; there can be a lag.
• Lender-specific underwriting differs. Your bank may apply tighter ratios than the regulator-mandated maximums, may treat certain income types differently, or may ignore certain debts that our calculators include.
• Calculators give you a number, not a decision. The number is an estimate based on the inputs you provided. The right decision involves things calculators can't see.

About the articles

Articles cite primary sources (Government of Canada, CRA, OSFI, Bank of Canada, official lender publications) wherever possible. We aim for accuracy and we update content when we discover errors or when rules change. Despite our best efforts, articles may contain mistakes, may become out of date, and may not reflect the most recent regulatory guidance.

If you spot an error, please tell us: hello@robinn.app. We'll fix it and credit the correction with an “Updated” note on the affected page.

Past performance, future results

Where we discuss historical investment returns or rate environments, those are descriptive — they describe what has happened, not what will happen. Markets and rates can move in unexpected ways. Don't treat any historical figure as a forecast.

What you should do before acting on anything here

For mortgage decisions:

• Talk to a licensed Canadian mortgage broker or your lender.
• Get a written pre-approval before house-hunting.
• Get the actual contract, not a calculator estimate, before signing.

For tax decisions:

• Consult a Canadian-licensed CPA (Chartered Professional Accountant) or tax preparer.
• For complex situations (incorporated business, capital gains, cross-border, real estate), get formal advice. Filing errors compound.

For investment decisions:

• Talk to a licensed investment advisor, ideally one held to a fiduciary standard.
• Know what you're buying. Read the fund prospectus.
• Don't invest more than you can afford to lose.

No warranty, no liability

All content is provided “as is” without warranty of any kind. We make no representation that the content is accurate, complete, current, or suitable for any particular purpose. To the maximum extent permitted by law, neither Robinn nor its operators are liable for any loss, damage, or expense arising from your use of, or reliance on, anything you read here.

See the full terms of service for the legal version of the same point.

If you're a regulator or compliance professional

We try to be careful in this niche. If you see content on Robinn that you believe creates a regulatory issue, contact us at hello@robinn.app and we'll review and respond promptly.

This disclaimer is a starting template. We strongly recommend having it reviewed by a Canadian lawyer who understands the regulatory environment for online financial publishing, especially because we operate in a YMYL (“Your Money or Your Life”) space.