Last updated: November 6, 2026. This policy applies to the Sweet Savings website, its installable web app, and the Android app distributed by the same developer.

Who operates the app: Sweet Savings is an independently developed educational mortgage and savings calculator. It is not operated, endorsed, or sponsored by Wealthsimple, the CRA, or any mortgage lender.

Publisher setup required before public launch: Add the developer/publisher name, a monitored privacy contact method, and (if applicable) the contact for the person responsible for personal information. Replace this notice before publishing.

1. Your calculator and saved scenarios

The calculator does not ask you to register or sign in. Mortgage inputs, household expenses, comparisons, and saved scenarios are processed in your browser or Android WebView and stored locally on your device using local storage. We have not built an account database or a service that uploads these figures to us.

PDF and Excel reports are generated locally. If you select Save PDF, Save Excel, or Download Backup, the document is stored at a location you choose. If you save it to a cloud folder or share it, the privacy practices of that service or recipient apply. Our backup file contains your saved mortgage scenarios and current calculator/comparison settings and is not encrypted; protect it as you would any document containing financial information.

2. Technical information handled by web hosting

When you visit the publicly hosted website, your browser connects to Cloudflare Pages. Cloudflare may process technical request information such as IP addresses, approximate location inferred from an IP address, browser or device details, requested pages, and security logs to deliver and protect the site. This is different from collecting the mortgage figures typed into the calculator. See Cloudflare's Privacy Policy.

The offline Android calculator uses bundled web files and does not require a Sweet Savings account or mortgage-data server. External links require internet access and are opened through the browser. We do not currently embed advertising networks, analytics SDKs, or third-party tracking pixels in the app.

3. Referral links and Wealthsimple

The savings guides show a personal Wealthsimple referral URL (wealthsimple.com/invite/DAPR_Q) and equally visible links without a referral. The Sweet Savings developer may receive a referral benefit if you use the referral link and meet Wealthsimple's conditions. Using any Wealthsimple link is optional and is never required to use the mortgage calculator.

We do not send your mortgage scenario, property price, down payment, household expenses, or backup file to Wealthsimple when you click a link. A link opens Wealthsimple's own website, where Wealthsimple may collect information according to its practices. Under its referral program, Wealthsimple may share limited referral information with the referring individual, such as partial identifying information and referral progress; no investment balances are provided through the referral merely by using our link. Review Wealthsimple's Privacy Policy and Referral Arrangement Disclosure.

4. External educational links

Links to the Canada Revenue Agency, Revenu Québec, and other external providers leave Sweet Savings. Those websites may handle IP addresses, cookies, and account information under their own policies. We do not control third-party websites or their terms.

5. Storage, retention, and your choices

Saved scenarios remain on your device until you remove them using Saved scenarios → Delete, select Delete all local data, clear the site's or app's storage, or uninstall the app. Backups and PDF/Excel reports that you exported are separate files and must be deleted wherever you saved them. Cloudflare's server and security log retention follows Cloudflare's own policies.

You can use the calculator without clicking referrals, creating an account, or supplying a name or email address. If you contact the developer using a future contact channel, the information you choose to provide will be used to respond to your request and the applicable contact service may process it. No contact form is included in the current app.

6. Protection and limitations

We designed the calculator to process mortgage figures locally and use HTTPS for the hosted website. However, no device or internet service can be guaranteed completely secure. Keep your device protected, and avoid sharing unencrypted backup files publicly. If hosting, analytics, accounts, or referral arrangements change, this policy must be updated before those changes go live.

7. Privacy requests and contact

[ADD VERIFIED PUBLISHER NAME AND PRIVACY CONTACT EMAIL OR CONTACT-FORM URL HERE BEFORE PUBLIC LAUNCH.] A privacy contact is required for meaningful requests and may be required by applicable law and app stores. You can delete locally stored mortgage scenarios using the app without contacting us.

Last updated: November 6, 2026. Sweet Savings provides general Canadian mortgage and savings information for education and planning, not individualized financial, investment, tax, insurance, mortgage brokerage, accounting, or legal advice.

Mortgage calculations

Payment, interest, principal, amortization, default-insurance, transfer-tax, and closing-cost figures are estimates. Actual terms depend on a lender's contract, eligibility, insurer, province or municipality, payment schedule, rounding, government changes, and property-specific facts. A projected lifetime total typically assumes the current interest rate continues through future renewals unless a scenario explicitly specifies a modeled change. Future rates are uncertain.

Variable rates and insurance

Adjustable-rate illustrations use simplified assumptions and may differ from lender practices. Insured mortgage eligibility, default-insurance premiums, provincial sales tax, and any additional 30-year eligibility or surcharge should be verified with a mortgage professional and lender. Default insurance generally protects the lender, not the homeowner or their family.

Closing costs and household budgets

Municipal land transfer duties, property taxes, notary/legal fees, and optional household expenses may be incomplete. Some jurisdictions are not supported by the built-in transfer-tax estimator. Check official local government information and obtain professional quotes. Typical-month biweekly budgets may contain two mortgage payments; other months have three. The annualized monthly average accounts for all 26 regular biweekly payments.

Savings guides

FHSA, TFSA, RRSP, and RESP contribution room, tax treatment, incentive eligibility, withdrawal rules, and limits vary by individual and can change. Verify details with the CRA, Revenu Québec, and account providers. Savings and investments carry risk; tax benefits do not guarantee investment returns.

Referral transparency

Some Wealthsimple links are personal referral links that may financially benefit the developer. The non-referral options are equally available. Sweet Savings is independent of Wealthsimple. A referral is not a personal endorsement or a recommendation tailored to your financial situation.

Your decisions

Do not rely on this calculator alone to accept a mortgage offer, choose an investment account, or make a legally binding purchase. Compare official disclosures and consult qualified professionals when appropriate. By using the calculator, you understand that the results are informational estimates and not a guarantee.