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Financial clarity starts here.
Practical insights, real-world advice, and straight talk from the Castle team. Whether you're managing your own books or growing a business, we're here to help you stay organized, confident, and CRA-ready.
Terms of Service
Welcome to Castle! These terms of service outline the rules and regulations for the use of our bookkeeping services.
By accessing this website and using our services, you accept these terms and conditions in full. Do not continue to use Castle services if you do not accept all of the terms and conditions stated on this page.
Castle offers professional bookkeeping services including transaction categorization, reconciliations, financial reporting, GST/HST filing, and other related services as agreed upon with the client.
2. Billing and Payments
All services provided by Castle are billed on a recurring basis unless otherwise
agreed upon. Payments are due upon receipt of invoice. We accept payment via credit card, debit card, and electronic funds transfer.
3. Cancellation and Refund Policy
Clients may cancel services at any time by providing 30 days’ notice in writing or via email. Refunds for prepaid services will be prorated based on the remaining unused portion of the services.
4. Privacy Policy
Our privacy policy outlines how we collect, use, and protect your personal information. We do not sell or share your information with third parties without your consent, except as required by law.
5. Liability
Castle will perform all services with reasonable care and skill. However, we do not accept liability for losses resulting from acts of nature, third-party errors, or misuse of financial information or reports by the client.
6. Amendments
Castle reserves the right to amend these terms of service at any time. Amendments will be effective immediately upon posting on this website.
7. Contact Us
If you have any questions about this privacy policy or our privacy practices, please contact us at:
Castle
316 1st Ave NE
Phone: 587-872-0602
Email: info@bookwithcastle.com
Financial clarity starts here.
Practical insights, real-world advice, and straight talk from the Castle team. Whether you're managing your own books or growing a business, we're here to help you stay organized, confident, and CRA-ready.
Why “Debt” Isn’t Always Bad — But Can Be Dangerous
August 29, 2025
Debt isn’t automatically good or bad — it’s how you use it that matters. Smart borrowing can fuel growth, while high-interest or unmanaged debt can quietly drain your cash. Having a clear repayment plan keeps debt working for your business instead of against it.
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Why “Taxes” Aren’t Just a Once-a-Year Problem
August 28, 2025
Even if you don’t see them daily, GST/HST, payroll deductions, and income tax obligations accumulate with every sale and pay run. 2. Profit Doesn’t Equal Tax-Ready Cash You might show a healthy profit, but if you’ve already spent the money, you may not have cash set aside when the tax bill arrives. 3. Penalties Add Up Fast Missing deadlines or underpaying can trigger interest and penalties, draining even more from your business. The Fix: Treat Taxes Like a Monthly Expense Set aside a portion of every sale for taxes, review your obligations regularly, and consider a separate savings account just for the CRA. Planning ahead turns tax season from a scramble into a non-event.
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Why “Expenses” Aren’t Always What They Seem
August 28, 2025
Not all expenses are obvious, and hidden costs can quietly drain your business. Tracking every dollar, separating personal and business spending, and keeping an eye on timing ensures you know where your money is going. Clear expense management gives you control, reduces surprises, and helps your business stay financially healthy.
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Why “Revenue” Doesn’t Mean You’re Doing Well
August 27, 2025
Revenue looks great on paper, but it doesn’t guarantee your business is healthy. High sales can still mean low profit if expenses eat up the gains, or if cash never makes it into your account. By focusing on profit margins and cash flow alongside revenue, you’ll get a true picture of sustainability — not just surface-level growth.
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Why “Profit” Isn’t the Same as “Money You Can Spend”
August 25, 2025
Profit and cash are not interchangeable. Profit may look healthy on paper, but once loan repayments, uncollected invoices, and upcoming obligations are factored in, the actual spendable cash can be much smaller. By reviewing both profit and cash flow together, business owners avoid overspending and make decisions grounded in financial reality.
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