Terms of Use

Last updated: October 28, 2026

Who we are

This site, kollazmoney.com, is operated by KOLLAZ, an Ottawa, Ontario, Canada publisher of personal finance articles and the Kollaz Etsy shop. Contact: support@kollaztoolz.com.

Educational information, not advice

Articles on this site are general educational information about personal finance and taxes. They are not financial, tax, legal, or investment advice for your situation. Figures are worked examples from the sources named in each article. Rules change; confirm current figures with the agency or a qualified professional before acting.

Purchases

Spreadsheets and other products are sold through Etsy and governed by Etsy's terms and the shop policies shown on the listing at purchase. As stated in the shop policy, digital downloads are not refundable; if a file is broken, we fix it or replace it until it works, as described on the listing.

Intellectual property

Articles, images, and the KOLLAZ wordmark on this site belong to KOLLAZ unless credited otherwise. You may link to any page and quote briefly with credit and a link. You may not republish full articles or resell our products.

External links

This site links to third party sites, including Etsy, government agencies, and our calculator tools. We are not responsible for their content or policies.

Liability

We work to keep figures accurate and sourced, but we do not warrant that any article is complete or current for your circumstances, and we are not liable for decisions made from educational content alone.

Changes

We may update these terms; the date above will change when we do.