Terms of use

Last updated: September 6, 2026.

Owed at Work is a free information site about what you are owed when your job ends in Canada. Nothing is sold here, nothing is asked of you, and nothing on the site is legal advice. These terms identify the operator, set out what you may do with the content and say plainly what the site does not promise.

1. Who operates this site

Operator
Israel Padilla, a natural person.
Country of residence, and the place from which the site is operated
Mexico. The operator has no establishment, office, branch or agent in Canada.
Contact
hello@owedatwork.com. This is the site's only contact channel and the address for every communication, including those about privacy and about intellectual property.
Domain name
owedatwork.com, registered with Cloudflare Registrar in the operator's name.
Hosting and network services
Cloudflare, Inc. (United States), which provides the hosting of this static site on Cloudflare Pages, the content delivery network, the DNS and the forwarding of the site's email. Replies sent from the contact address go out through Resend, Inc. (United States).
Readers
The site is written in Canadian English for readers in Canada, and covers the ten provinces, the three territories and federally regulated workplaces.
Activity
Free publication of information about employment standards and Employment Insurance, with calculators that run in the reader's own browser. No products or services are sold, no advice is given, and nothing is arranged, referred or brokered for anyone.

The content of Owed at Work is general information. It is not legal, employment, tax or financial advice, and it cannot replace advice about your own situation. The site sets out the statutory minimums that an employment standards statute guarantees, with the section cited. A lawyer may recover more for you under the common law or under your contract, and this site never calculates that.

The editor is not a lawyer. Reading the site, using its calculators and exchanging email with the contact address create no solicitor-client relationship and no professional relationship of any kind.

The full statement, including who actually decides your case and when to see a lawyer, is on its own page: Disclaimer.

3. What the service is

Access to the site is free and open. There is no registration, no account, no newsletter, no comments and no form of any kind.

The calculators are part of the information, not a service. They run entirely inside your browser: the figures you type never leave your device, they are not sent to any server, they are not stored anywhere and they do not appear in the page's address. Their results are estimates of a statutory minimum, computed from what you type, and they bind no employer, no labour standards body, no court and no one else.

The site is offered as it is. Its availability is not guaranteed, the operator may change, suspend or withdraw any part of it at any time, and technical errors are possible.

4. Acceptable use

By using this site you agree to use it lawfully, in good faith and in accordance with these terms, and in particular not to:

5. Intellectual property

The text, the structure, the design, the source code, the calculators and the selection and arrangement of the content of Owed at Work are the operator's own work and are protected by copyright. The name Owed at Work and the domain owedatwork.com belong to the operator.

What you may do without asking: read, print, save and share the pages for your own use; link to any page of the site; and quote short passages for information, teaching or research, as long as you name Owed at Work as the source and link to the page the quotation came from.

What you may not do without written permission: reproduce or republish the content substantially on another site or in another medium, even with attribution; create derivative works from it; extract it systematically by automated means; or use the name of the site in a way that suggests a relationship, an endorsement or a partnership that does not exist.

What is not the operator's property: the statutes, the regulations and the official figures the site reports. Those texts and numbers are public, and their origin is cited on every page and in Official figures. What is the operator's own work is the verification, the organization, the explanation and the tools built on top of them.

The figures and the data file are free to reuse. Everything above concerns the editorial content: the articles, the explanations, the design and the code. The legal data set of this site, namely the files /data/legal-data-2026.json and /data/ei-regions.json and the figures published in Official figures, each with its statute, its validity, its verification status and its review date, is published under the Creative Commons Attribution 4.0 International licence (CC BY 4.0).

That means anyone may copy, redistribute, adapt and reuse those figures, including for commercial purposes, on one condition: that you credit Owed at Work as the source and link to owedatwork.com/official-figures/. No permission is needed and no notice is required. The boundary is simple: the numbers, their sources and their dates are free under CC BY 4.0; the text that explains them is not. The reservation of rights above does not reach the data set, and the CC BY 4.0 licence does not reach the articles.

No government text is reproduced on this site. Facts taken from a statute are restated in the site's own words with the section cited and linked. Short quotations are used only from the text of a statute or a regulation, in quotation marks, with the section given. Federal and provincial government web pages are linked, not copied.

If you believe that content on this site infringes your rights, write to hello@owedatwork.com identifying the content and the right affected. It will be reviewed and, where appropriate, removed.

This site links to third-party pages, especially to official sources: federal and provincial consolidations of statutes and regulations, the labour standards body of each jurisdiction, and Service Canada. Those links exist so that you can check the rule or the figure for yourself.

The operator does not control those pages and is not responsible for their content, their availability, their terms of use or their privacy practices. When you follow one of those links you leave owedatwork.com and the terms of the destination site apply to you.

You may link to any page of this site without asking, as long as the link opens the page as it is, without framing it or reproducing it inside another page, and without suggesting a relationship, a sponsorship or an endorsement that does not exist.

7. No warranty

The site is published as it is and as it is available. The operator does not warrant that the content is complete, that it is current at the moment you read it, that the site will be available without interruption, or that it is free of technical error. Statutes change, regulators publish new positions, and there is always a gap between the day a rule changes and the day the site is corrected.

What the site does promise is method, not outcome: every figure is checked against the statute or the regulation itself, it is published with that source and the date it was reviewed, and an unverified figure is not published at all. How that works is described in Methodology.

8. Limitation of liability

The operator is not liable for the decisions you take on the basis of this site or for their consequences: filing or not filing a claim, signing or refusing to sign a release, letting a deadline pass, accepting a final payment, or any other act or omission. Deciding is yours; advising is a lawyer's.

Nor is the operator liable for loss arising from errors or omissions in the content, from the site being unavailable, from a figure being out of date between the change and its correction, or from the use you make of the results of the calculators.

Nothing in these terms removes or limits any right you have as a consumer under the law of your province or territory. Consumer protection legislation in Canada sets out rights and remedies that a website's terms cannot waive, and this section applies only to the extent that the applicable law allows. It does not exclude liability for anything that cannot lawfully be excluded.

9. Governing law and disputes

The operator is a natural person resident in Mexico and this site is directed at readers in Canada. The operator does not ask you to accept the law or the courts of another country as a condition of reading the site.

Where the law of your province or territory applies to you on mandatory terms, that law applies, and you keep the right to bring a matter before the courts of your own place of residence. Mexican law binds the operator because of the operator's residence, which is why the privacy page carries a second part written under that law. If any clause of these terms is held to be invalid, the remaining clauses stay in force.

10. Advertising

As of September 6, 2026 this site shows no advertising, loads no advertising tag and earns nothing. The declared intention is to carry Google AdSense advertising in the future, using the account the operator already holds. When that happens, Google acts as an independent controller of the data it collects through its own tags, under its own policies, and this page, the privacy policy and the cookie policy are updated before any advertising tag is loaded. For visitors in Quebec, no identification or profiling technology is activated before consent is obtained.

11. Privacy and cookies

How personal information is handled is described in the privacy policy, which contains both the information Canadian privacy law requires and the privacy notice required by the Mexican law that binds the operator.

As for cookies: as of September 6, 2026 this site sets no cookie and uses no other means of storing or retrieving information on your device. The detail, and what will change when advertising is activated, is in the cookie policy.

What you type into the calculators does not leave your browser: it is processed on your own device, it is not sent to any server, it is not stored in any system of the operator and it does not appear in the page's address.

12. Changes to these terms

These terms may change to follow a change in the law, a change in how the site works, or the activation of advertising. Each version carries its date of last update at the top of this page, and substantial changes are flagged visibly for a reasonable time.