Terms of Use

PensionHelper is a private, non-governmental tool designed by NxtBuck Inc. to help older adults in Canada:

• Check eligibility for government benefit programs
• Track pension payments (like CPP, OAS, GIS)
• Receive plain-language explanations of official letters
• Report life changes to avoid overpayments
• Forecast and manage fixed-income budgets

We are not affiliated with, endorsed by, or acting on behalf of the Government of Canada or any provincial government.

You must be at least 18 years old to use this site. By using PensionHelper, you represent and warrant that you meet this requirement.

You agree not to use the Services to:

• Misrepresent your identity or eligibility for benefits
• Interfere with the operation or security of the site
• Copy, resell, or exploit the platform for commercial purposes without permission

You are responsible for the accuracy of the information you provide. Our tools are only as accurate as the data you enter.

• Not Financial or Legal Advice: The information we provide is for informational purposes only. We do not provide legal, financial, or tax advice. You should consult a qualified professional for advice about your specific situation.
• No Government Affiliation: PensionHelper is not affiliated with any government agency. We do not submit applications or communicate with government bodies on your behalf unless explicitly authorized.
• Accuracy Not Guaranteed: While we aim to provide accurate tools and checklists, eligibility and benefits are determined solely by government bodies. We cannot guarantee that you qualify for any program listed.

Your privacy matters to us. Please refer to our Privacy Policy to understand how we collect, use, and safeguard your information.

By using our Services, you consent to our collection and use of your data as described in the Privacy Policy.

Some features may integrate with third-party tools (e.g., Plaid for banking access). Your use of those features is subject to the terms and privacy policies of the respective third-party providers. We are not responsible for their actions or security practices.

To the fullest extent permitted by law, PensionHelper and its officers, directors, employees, and agents are not liable for:

• Any indirect, incidental, or consequential damages
• Loss of data, income, or opportunities
• Errors in benefit estimates or missed payments

We may suspend or terminate your access to the Services at any time for any reason, including suspected violation of these Terms.

We reserve the right to change these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the Services after changes means you accept the new Terms.

Questions? Please reach out to us at:

📧 support@nxtbuck.com
📍 Toronto, ON, Canada