Disclaimer
Important Notice
The calculators on NewSUV.net are estimates for educational purposes only. They are not financial advice, legal advice, or professional consultation.
No Financial Advice
NewSUV.net does not provide financial, legal, or tax advice. Our calculators are tools to help you estimate costs and compare options, but they should not be your sole basis for making financial decisions. Always consult with qualified professionals including:
- Licensed financial advisors for investment and financing decisions
- Certified accountants for tax implications
- Insurance brokers for accurate insurance quotes
- Automotive dealers for final pricing and incentives
Calculation Accuracy
While we use official data sources (Canada Revenue Agency for tax rates, Bank of Canada for interest rates, Natural Resources Canada for fuel economy), actual costs may vary due to:
- Changes in tax rates or regulations after our last update
- Individual credit ratings affecting interest rates
- Dealer-specific pricing, fees, and incentives
- Provincial insurance variations based on driving record and location
- Actual fuel consumption differing from manufacturer ratings
- Maintenance costs varying by vehicle condition and usage
Tax Rate Currency
Provincial tax rates (HST, GST, PST, QST) are updated monthly from Canada Revenue Agency sources. The current update date is displayed on each calculator. Tax rates are subject to change by federal and provincial governments. Always verify current rates with CRA or your provincial tax authority.
Interest Rate Variability
Bank of Canada prime rates are updated daily, but actual auto loan rates vary significantly based on:
- Your credit score and credit history
- Lender type (bank, credit union, manufacturer financing)
- Loan term and down payment amount
- Current promotional rates and incentives
- Vehicle type (new vs. used, luxury vs. economy)
The rates shown in our calculators are estimates. Your actual rate may be higher or lower.
No Guarantee of Savings
Our Purchase Savings Calculator shows potential savings based on the difference between MSRP and your target price. This does not guarantee you will achieve these savings. Actual negotiation outcomes depend on market conditions, dealer inventory, your negotiation skills, and timing.
Insurance Estimates
Insurance cost estimates in our Operating Expenses Calculator are provincial averages based on industry data. Your actual insurance premium will vary significantly based on:
- Your age, gender, and marital status
- Driving record and claims history
- Specific location within province
- Vehicle make, model, and year
- Coverage type and deductible amounts
Third-Party Data
We rely on third-party data sources for fuel prices, vehicle specifications, and market data. We are not responsible for inaccuracies in these external sources. Data is provided "as is" without warranty of any kind.
Limitation of Liability
NewSUV.net and its operators are not liable for any financial losses, damages, or consequences resulting from the use of our calculators. By using this service, you acknowledge that you are solely responsible for your financial decisions.
Verification Responsibility
You are responsible for verifying all calculations and assumptions before making any financial commitments. Always:
- Get written quotes from dealers and lenders
- Review all contract terms carefully
- Confirm tax rates with CRA or provincial authorities
- Obtain personalized insurance quotes
- Consult professionals for major financial decisions
Questions or Concerns
If you have questions about our disclaimers or calculator methodology, contact: support@newsuv.net