Terms of Use

1. Purpose and Acceptance of Agreement

These Terms of Use govern your access to the snipay.ca website and the provision of all professional accounting, tax filing, bookkeeping, payroll, and consulting services performed by snipay.

Retaining our services, executing an engagement letter, submitting an electronic authorization, or uploading financial documents confirms your full and unconditional acceptance of these terms.

2. Scope of 100% Online Professional Services

snipay. is a Canadian online accounting firm providing professional services delivered entirely remotely:

• Personal income tax returns (federal T1 and provincial TP-1 in Quebec).
• Corporate income tax returns (federal T2 and provincial CO-17 in Quebec).
• Periodic sales tax returns (GST, HST, QST) under the regular or quick method.
• Monthly, quarterly, or annual bookkeeping, bank reconciliations, and compilation of uncertified financial statements.
• Payroll processing, calculation of statutory source deductions (DAS), and annual tax slips (T4, Relevé 1).
• Tax consulting and financial advisory for small businesses, freelancers, and entrepreneurs.

3. Client Obligations and Responsibilities

To enable snipay. to deliver professional services in accordance with Canadian standards, the client agrees to the following obligations:

• Accuracy and Completeness: the client is solely and legally responsible for the truthfulness, accuracy, authenticity, and completeness of all figures, receipts, invoices, and financial data provided to snipay.
• Compliance with Statutory Tax Deadlines: the client agrees to provide all requested documents in a reasonable timeframe (at least 15 business days prior to official CRA and Revenu Québec deadlines, including April 30 for individuals, June 15 for self-employed individuals, or six months following corporate fiscal year-end for T2 returns).
• No Liability for Client Delays: snipay. shall not be held liable for government late-filing penalties, interest charges, or loss of tax credits caused by late or incomplete record submissions by the client.
• Retention of Original Receipts: the client has a statutory obligation under Canadian tax law to keep all original paper or digital receipts for a minimum of six (6) years in case of government review.

4. Government Tax Representation Authorisations (CRA & Revenu Québec)

To authorize snipay. to communicate with tax authorities on your behalf and submit electronic filings, you formally appoint snipay. as your authorized representative:

• Canada Revenue Agency (CRA): authorization via the Represent a Client online portal or official AUT-01 form.
• Revenu Québec: authorization via the My Account for Businesses/Individuals portal or official MR-69 form.

5. Professional Fees and Payment Terms

Fees for our packages and custom services are clearly established prior to commencing work:

• Currency and Taxes: all prices are quoted in Canadian Dollars (CAD) and are subject to applicable sales taxes (GST/HST/QST) based on your province of residence.
• Payment Methods: payments are processed securely online via major credit cards or Interac e-Transfer.
• Due Date: unless otherwise agreed in writing, full payment of professional fees is required prior to the final electronic submission of tax returns to government authorities.
• Additional Work: work outside the initial scope (e.g. prior-year catch-up bookkeeping, extensive audit correspondence, complex multi-entity reorganizations) will be quoted and approved prior to commencement.

6. Limitation of Liability and Disclaimers

To the maximum extent permitted by applicable laws in Quebec and Canada:

• Obligation of Means: snipay. applies professional competence and due diligence, but our obligations are those of professional diligence and reasonable care, not an absolute guarantee of specific outcomes.
• Cap on Liability: the total aggregate liability of snipay. arising out of or related to our services, whether in contract or tort, shall be strictly capped at the total professional fees actually paid by the client to snipay. for the specific engagement during the twelve (12) months preceding the claim.
• Exclusion of Consequential Damages: in no event shall snipay. be liable for indirect, incidental, special, exemplary, or consequential damages, loss of profits, loss of business revenue, or loss of data.
• Discretion of Tax Authorities: the CRA and Revenu Québec retain full statutory power to examine, audit, and re-assess tax filings. A subsequent government desk review or audit does not constitute professional negligence on the part of snipay.

7. Intellectual Property Rights

All content, trademarks, logos, visual designs, text, online calculators, tax templates, and source code on snipay.ca are the exclusive intellectual property of snipay. protected under Canada's Copyright Act.

Any reproduction, distribution, reverse engineering, scraping, or unauthorized commercial exploitation is strictly prohibited without prior written consent.

8. Online Platform Availability and Force Majeure

We employ reasonable technological measures to ensure continuous platform availability. However, snipay. cannot guarantee uninterrupted access in the event of scheduled maintenance, third-party internet outages, or downtime of government electronic gateways (EFILE / NetFile / Clic Revenu).

Neither party shall be liable for failure to perform obligations where caused by force majeure under the Civil Code of Quebec (major telecommunications breakdowns, natural disasters, cyber warfare, or government emergency orders).

9. Termination of Services

Either party may terminate a service engagement at any time upon reasonable written notice.

snipay. reserves the right to suspend or terminate services immediately in the event of payment default, refusal to supply essential records, abusive conduct toward staff, or suspected illegal tax evasion.

Upon termination, the client remains responsible for payment of all fees earned for work performed up to the termination date.

10. Governing Law and Exclusive Forum

These Terms of Use and any claims or disputes arising hereunder shall be governed by, construed, and enforced in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein, without giving effect to conflict of laws principles.

The parties irrevocably submit to the exclusive jurisdiction of the competent courts in the judicial district of snipay.'s registered office in the Province of Quebec, Canada.

11. Amendments and Contact

snipay. reserves the right to update these Terms of Use at any time. Revised terms become effective upon publication on the website. Continued use of our services following revisions constitutes your acceptance of the updated terms.

For legal inquiries regarding these terms, please contact us:

• Email: info@snipay.ca
• Telephone: +1 (819) 701-6385
• snipay. — 100% Online Accounting Firm in Canada