You can receive your refund via cheque from the CRA or direct deposit. We recommend direct deposit because it is faster, safer, and avoids postal delays.
A non-refundable tax credit reduces the amount of tax you owe. If the credit exceeds your taxes owed, it cannot generate a refund but can be carried forward to the next year.
You can apply starting February 22nd until April 30th. Filing early is recommended to avoid interest on any balance owing. If you cannot pay the full amount by April 30th, you can set up a payment plan with the CRA.
Self-employed individuals can file from February 22nd to June 15th. Early filing is advised to prevent interest on any balance owing, with the same payment plan option available.
You only need a GST/HST number if your business income exceeds $30,000 over four consecutive calendar quarters.
In most provinces, tax returns are treated independently. Quebec residents may transfer a portion of their refund to their spouse, but the transferred amount cannot exceed the spouse’s balance owing.
A TFSA allows individuals to save money tax-free. Contributions and earnings are generally tax-free even when withdrawn. Be aware of your annual contribution limit to avoid penalties.
An RRSP helps you save for retirement and defer taxes until withdrawal, when you may be in a lower tax bracket. Ensure you stay within your annual contribution limit to avoid penalties.
Since 2019, tuition refunds are no longer issued. Tuition now provides a non-refundable credit that can reduce your federal or provincial tax owing but cannot generate a refund.
Yes. All income must be reported on your tax return, and you are responsible for paying any taxes owed.
We follow all Canada Revenue Agency privacy and security regulations. Your information is stored securely, and access is restricted to authorized representatives. All transactions comply with CRA policies to ensure confidentiality and data protection.
How does AQG handle my personal information?
We strictly follow Canada Revenue Agency (CRA) privacy rules and the Income Tax Act. Your personal and financial information is kept secure, confidential, and only accessed by authorized AQG staff.
Privacy
This Privacy Policy governs the manner in which AQG Accounting and Tax services collects, uses, maintains and discloses information collected from users (each, a “User”) of the www.aqgl.ca website (“Site”). This privacy policy applies to the Site and all products and services offered by aqgl.ca.
Personal identification information
We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, place an order, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, mailing address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.
Non-personal identification information
We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.
Web browser cookies
Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.
How we use collected information
aqgl.ca may collect and use Users personal information for the following purposes:
Information you provide helps us respond to your customer service requests and support needs more efficiently.
We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
We may use feedback you provide to improve our products and services.
We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service.
We may use the email address to send User information and updates pertaining to their order. It may also be used to respond to their inquiries, questions, and/or other requests. If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, they may do so by contacting us via our Site.
How we protect your information
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.
Sensitive and private data exchange between the Site and its Users happens over a SSL secured communication channel and is encrypted and protected with digital signatures.
Sharing your personal information
We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.
Changes to this privacy policy
AQGL.com has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.
Your acceptance of these terms
By using this Site, you signify your acceptance of this policy and terms of service. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.
Contacting us
If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this aqgl.com, please contact us use the contact form found here.
This document was last updated on August 6th, 2013.
Term of use:
This web page represents a legal document that serves as our Terms of Service and it governs the legal terms of our website, www.aqgl.ca, sub-domains, and any associated web-based and mobile applications (collectively, “Website”), as owned and operated by aqgl.ca.
Capitalized terms, unless otherwise defined, have the meaning specified within the Definitions section below. This Terms of Service, along with our Privacy Policy, any mobile license agreement, and other posted guidelines within our Website, collectively “Legal Terms”, constitute the entire and only agreement between you and aqgl.ca, and supersede all other agreements, representations, warranties and understandings with respect to our Website and the subject matter contained herein. We may amend our Legal Terms at any time without specific notice to you. The latest copies of our Legal Terms will be posted on our Website, and you should review all Legal Terms prior to using our Website. After any revisions to our Legal Terms are posted, you agree to be bound to any such changes to them. Therefore, it is important for you to periodically review our Legal Terms to make sure you still agree to them.
By using our Website, you agree to fully comply with and be bound by our Legal Terms. Please review them carefully. If you do not accept our Legal Terms, do not access and use our Website. If you have already accessed our Website and do not accept our Legal Terms, you should immediately discontinue use of our Website.
The last update to our Terms of Service was posted on April 16, 2013.
Definitions
Legal Compliance
You agree to comply with all applicable domestic and international laws, statutes, ordinances, and regulations regarding your use of our Website. aqgl.ca reserves the right to investigate complaints or reported violations of our Legal Terms and to take any action we deem appropriate, including but not limited to canceling your Member account, reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to your profile, email addresses, usage history, posted materials, IP addresses and traffic information, as allowed under our Privacy Policy.
Intellectual Property
Our Website may contain our service marks or trademarks as well as those of our affiliates or other companies, in the form of words, graphics, and logos. Your use of our Website does not constitute any right or license for you to use such service marks/trademarks, without the prior written permission of the corresponding service mark/trademark owner. Our Website is also protected under international copyright laws. The copying, redistribution, use or publication by you of any portion of our Website is strictly prohibited. Your use of our Website does not grant you ownership rights of any kind to said content. You retain ownership of your personal/business data and information entered into our website/database.
Links to Other Websites
Our Website may contain links to third party websites. These links are provided solely as a convenience to you. By linking to these websites, we do not create or have an affiliation with, or sponsor such third party websites. The inclusion of links within our Website does not constitute any endorsement, guarantee, warranty, or recommendation of such third party websites. aqgl.ca has no control over the legal documents and privacy practices of third party websites; as such, you access any such third party websites at your own risk.
General Terms
Our Legal Terms shall be treated as though it were executed and performed in Manitoba, Canada, and shall be governed by and construed in accordance with the laws of Manitoba, Canada, without regard to conflict of law principles. In addition, you agree to submit to the personal jurisdiction and venue of such courts. Any cause of action by you with respect to our Website, must be instituted within one (1) year after the cause of action arose or be forever waived and barred. Should any part of our Legal Terms be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that any Content in our Website conflicts or is inconsistent with our Legal Terms, our Legal Terms shall take precedence. Our failure to enforce any provision of our Legal Terms shall not be deemed a waiver of such provision nor of the right to enforce such provision. The rights of aqgl.ca under our Legal Terms shall survive the termination of our Legal Terms.
