Disclaimer

For Estimation Only

The tools on usecos.app provide estimates only. Results should not be interpreted as financial, legal, tax, automotive, or professional advice of any kind. Always consult a qualified professional before making decisions based on calculator outputs.

Calculator Accuracy

While we strive for accuracy using standard formulas (OSFI Guideline B-20, CMHC premium tables, CRA tax brackets, ISO 3779 VIN standards):

Mortgage calculations are approximations and may differ from lender quotes due to rounding, rate holds, or lender-specific policies.
Paycheck and tax calculations use current published brackets but do not account for all personal tax situations (credits, deductions, self-employment, etc.).
VIN decoding relies on publicly available WMI databases and NHTSA data, which may have delays or omissions.
GST/HST rates reflect published provincial rates but provinces may change rates without notice.

No Liability

usecos and its creators assume no liability for decisions made based on tool outputs. By using this site, you acknowledge that all tools are for informational purposes only and not a substitute for professional advice.

Third-Party Links

This site may contain links to third-party services (e.g., NHTSA, Ko-fi). We are not responsible for the content or privacy practices of external sites.

Regional Scope

Our tools support Canada and US contexts where applicable. Tax calculators use Canadian provincial and US federal brackets. Mortgage tools follow Canadian regulations (OSFI, CMHC). VIN decoding works globally. Users should consult local resources for region-specific guidance.

Questions

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