Terms of Service

MetaTax is a software tool that helps you upload bank statements, categorize transactions, and prepare files for your accountant. We are not a CRA-licensed tax preparer and we do not file returns on your behalf. Final responsibility for the accuracy of any T1, T2, T4, T4A, or HST filing rests with you and your accountant.

• You must be at least 18 (or the age of majority in your province) to use MetaTax.
• Keep your password confidential. Anyone who knows it can act on your behalf.
• You're responsible for all activity in your account.
• If you suspect unauthorized access, change your password immediately and email security@metatax.ca.

You agree not to:

• Upload files you don't have the right to share
• Try to access another customer's data
• Probe for vulnerabilities without our written permission (security researchers — please email us, we respond within 14 days)
• Use MetaTax to commit fraud, tax evasion, or money laundering
• Resell, sublicense, or distribute MetaTax as your own product

Tax estimates in MetaTax (federal/Ontario corporate tax, HST owing, paystubs, etc.) are calculated using publicly published CRA formulas and rates. They are best-effort estimates intended for planning, not for filing with CRA.

Before remitting payroll to CRA, verify each paystub against CRA's PDOC tool. Before filing T2/T1/HST, have a licensed Canadian accountant review the figures.

MetaTax is not liable for penalties, interest, or other costs arising from filings based on our estimates.

MetaTax has a free tier covering up to 50 statements per month. Paid plans are optional. Pricing, when shown, is in Canadian dollars and excludes HST. We notify you 30 days before any price change.

Refunds are at our discretion within the first 14 days of a paid subscription.

The MetaTax software, brand, designs, and documentation are owned by us. Your data — bank statements, transactions, paystubs, invoices, anything you upload — remains owned by you. We have a limited licence to process it solely to deliver the service.

You can delete your account anytime from Settings — Privacy. Upon deletion:

• Your profile and all associated business data are scheduled for permanent deletion within 30 days
• Within that window, you can change your mind by emailing privacy@metatax.ca
• After 30 days, deletion is irreversible
• We retain anonymized audit metadata for 24 months for security and compliance

We may suspend or terminate accounts that violate these terms, are inactive for 24+ months, or pose a security risk. We'll give you 30 days' notice unless safety or legal compliance requires immediate action.

MetaTax is provided "as is." We don't warrant that the service will be uninterrupted, error-free, or fit for any particular purpose. We will, however, make commercially reasonable efforts to:

• Maintain 99% uptime over any 90-day period
• Patch security vulnerabilities within 30 days of disclosure
• Notify you of breaches as required by PIPEDA

To the maximum extent permitted by Ontario law, our total liability for any claim arising from the service is limited to the greater of:

• $100 CAD, or
• The fees you paid us in the 12 months preceding the claim

We're not liable for indirect, consequential, or punitive damages — including loss of profits, business interruption, or CRA penalties from your filings.

These terms are governed by the laws of Ontario, Canada. Any dispute that can't be resolved informally will be heard in the courts of Toronto, Ontario.

Material changes will be emailed to you at least 30 days before they take effect. Continued use after the effective date constitutes acceptance. The current version always lives at metatax.ca/terms.

Questions: hello@metatax.ca
Security: security@metatax.ca
Privacy: privacy@metatax.ca