StubbyLegal
Terms of Service
1. Agreement
These Terms govern your use of Stubby, the website at getstubby.ca and everything served from it (together, "the Service"). By using the Service you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service. The Service is operated by Gardsy Inc., a corporation based in Ontario, Canada ("we", "us").
2. What Stubby is
Stubby is a calculator. It estimates gross pay, deductions, net pay, overtime, employer-paid benefits, union-versus-non-union comparisons and Employment Insurance figures for tradespeople, using published collective agreements, rate sheets and Canada Revenue Agency payroll formulas. It runs in your browser and stores your inputs on your device.
3. Estimates, not advice
Real cheques differ from estimates for many legitimate reasons: year-to-date contribution ceilings, mid-year rate changes, employer-specific practices, TD1 claim amounts, benefit elections, rounding, local rules we have not yet captured, or simple data-entry mistakes. Agreement data is transcribed from public documents and may contain errors or be out of date; each agreement's verification status is shown inside the app and explained in our AI & data disclosure. If Stubby and your stub disagree, your stub, your agreement and your local are the authority. Before acting on anything Stubby shows you (raising a grievance, filing taxes, changing your withholding, making a financial decision), confirm it with a qualified person.
4. Your responsibilities
- You are responsible for the accuracy of what you enter or scan, and for keeping your own device secure.
- You may use the Service only for lawful purposes and only for your own pay or for people who have asked you to help them.
- You may not scrape, mirror, resell or repackage the Service or its data as a product, attempt to interfere with the site, or misrepresent Stubby's output as an official statement from any union, employer or government.
5. Free and Pro
The calculator, comparison, EI and rate-card features are free and require no account. "Stubby Pro" features (such as saved cheque history and year-to-date tracking) may be offered as a paid subscription. Where they are, the following applies:
- Prices are shown in Canadian dollars before applicable taxes and may change with notice on the site; changes never apply to a period you have already paid for.
- Payments are processed by Stripe under Stripe's own terms. Subscriptions renew automatically until cancelled. You can cancel at any time and keep Pro until the end of the period you have paid for.
- If Pro does not work for you, email us within 14 days of a charge and we will refund it.
- Until paid plans are switched on, any Pro features that are visible are provided free, as a preview, and may change.
6. Your data
Your inputs stay on your device and belong to you. We do not receive them. See the Privacy Policy. Because we do not hold your data, we cannot recover it for you: if you clear your browser storage or lose your device without exporting a backup, it is gone.
7. Intellectual property
The Stubby name, logo, app, site design and code are owned by Gardsy Inc. Collective agreements and CRA formulas are public documents belonging to their respective owners; Stubby's structured transcriptions of them, and the public rate cards, are provided for personal, non-commercial use. You may link to and share rate cards freely with attribution to Stubby.
8. Availability and changes
We may change, suspend or discontinue any part of the Service at any time. The app is designed to keep working offline on your device once loaded, but we do not guarantee uninterrupted availability of the site.
9. Disclaimer of warranties
The Service is provided "as is" and "as available", without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, merchantability or non-infringement. We do not warrant that any calculation is correct or that the Service will be error-free.
10. Limitation of liability
To the fullest extent permitted by law, Gardsy Inc. and its officers, employees and contractors are not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of income, wages, benefits, tax refunds, data or goodwill, arising from your use of or reliance on the Service. Our total liability for any claim relating to the Service is limited to the amount you paid us for the Service in the twelve months before the claim, or $50 CAD if you paid nothing. Some jurisdictions do not allow certain limitations; in that case these limits apply to the greatest extent permitted.
11. Indemnity
You agree to hold Gardsy Inc. harmless from claims arising out of your misuse of the Service or your breach of these Terms.
12. Governing law
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there. Any dispute will be brought in the courts of Ontario, without prejudice to your rights under any consumer-protection law that applies where you live.
13. Changes to these Terms
We may update these Terms. The effective date at the top will change and material changes will be noted in the app. Continuing to use the Service after a change means you accept it.
14. Contact
Gardsy Inc. · Ontario, Canada · hello@getstubby.ca