Toronto time, Mexico City time and your fans' time
Ontario's Time Act sets standard time in Toronto's part of the province (east of 90° west) at five hours behind Greenwich, with daylight saving time from 2 a.m. on the second Sunday in March to 2 a.m. on the first Sunday in November. In 2026: forward on March 8, back on November 1. Mexico City no longer changes its clocks: Mexico's Time Zones Law (in Spanish) keeps seasonal time only along the northern border, and the capital stays at UTC−6 all year round.
So the gap with the people coordinating your account shifts twice a year:
Toronto and Mexico City, 2026–27 (offsets calculated with the IANA time zone database, release 2026b)
| Period | Toronto | Mexico City | 9:00 p.m. in Toronto is… |
|---|
| Jan 1 – Mar 7, 2026 | EST, UTC−5 | UTC−6 | 8:00 p.m. in Mexico City |
| Mar 8 – Oct 31, 2026 | EDT, UTC−4 | UTC−6 | 7:00 p.m. in Mexico City |
| Nov 1, 2026 – Mar 13, 2027 | EST, UTC−5 | UTC−6 | 8:00 p.m. in Mexico City |
| Mar 14 – Nov 6, 2027 | EDT, UTC−4 | UTC−6 | 7:00 p.m. in Mexico City |
Your fans are answered 24/7 whatever the clocks say; the gap only matters in planning. When we agree on a mass message "at nine", say whose nine.
Where your fans' evenings land on your clock
A fan's 9:00 p.m., converted to Toronto time (IANA tz database, 2026b)
| Fan in… | Most of the year | Short windows |
|---|
| New York or Miami (Eastern Time) | 9:00 p.m., the same clock | None: Ontario and the US change on the same Sundays |
| Chicago, Houston or Dallas (Central Time) | 10:00 p.m. | None |
| London | 4:00 p.m. | 5:00 p.m. from Mar 8 to 28 and Oct 25 to 31, 2026, and Mar 14 to 27, 2027 |
| Paris or Madrid | 3:00 p.m. | 4:00 p.m. in the same windows |
The short windows exist because Britain changes its clocks on the last Sundays of March and October (March 29 and October 25 in 2026, per GOV.UK), weeks apart from Ontario. A European fan's night out lands in your afternoon; whoever is on shift covers it, as they cover your nights.
One change is still pending: in 2020 Ontario amended the Time Act (S.O. 2020, c. 28) so that one time, four hours behind Greenwich in Toronto's part of the province, would apply all year. In the e-Laws consolidation current to October 12, 2026, it still takes effect only "on a day to be named by proclamation", so the twice-yearly switch continues.
What the spending estimates say about Toronto
OnlyFans doesn't publish fan spending by city. The figures in the press come from OnlyGuider, a search site for OnlyFans creators, which spreads the revenue reported in the UK filings of Fenix International (OnlyFans' parent company) across countries and cities by Google search volume. They estimate where fans spend: not how many creators live somewhere, and not what anyone will earn.
- 2025 edition. OnlyGuider's OnlyFans Wrapped 2025 (page last updated May 11, 2026) estimated about US$32 million of 2025 spending from Toronto (US$31,988,000, up 6.23% on 2024), the 12th-highest total among the 100 cities it measured, or about US$109,174 for every 10,000 residents. In the same report, Canada came second in the world per head of population (US$88,711 per 10,000 people, behind Finland) and third by total, at about US$354.8 million.
- As the press told it. The Toronto Sun (Denette Wilford, December 28, 2025) reported Canada as the world's second-largest OnlyFans consumer per capita and Toronto residents as having spent nearly $32 million; in OnlyGuider's table, the largest total of any Canadian city.
- 2026 edition, new method. OnlyGuider now marks the 2025 report as superseded. Its OnlyFans Wrapped 2026 (updated August 31, 2026) estimates US$22.52 million for Toronto between December 2025 and November 2026, 23rd of 98 cities and up 8.0% on the year before.
Two methods, two totals; both put Toronto among the world's bigger OnlyFans spending cities. Neither tells you who your subscribers are, which is why the clock table above matters more to your inbox than your postal code.
Getting paid in Toronto, and paying our commission
Under OnlyFans' Terms of Service, the platform keeps 20% of every fan payment, everything is transacted in US dollars, and you withdraw through the Payout Option you selected once your balance reaches the minimum payout amount. The terms also warn that your bank or e-wallet may charge currency conversion fees, worth knowing if your everyday account is in Canadian dollars. The options a Canadian resident sees appear in the Banking section of your account; we go through them with you there, and the receiving account is always yours.
We don't suggest Wise or Payoneer for this money: Wise's acceptable use policy lists adult content and pornography among what it doesn't support, and Payoneer's prohibited transaction list names pay-per-view and pornographic or mature-audience material. Payments can be rejected or accounts closed.
Empire never touches your earnings. Within 5 business days of each monthly cut-off you get a report showing how the commission was worked out (plus the weekly results report). Only money OnlyFans has released to you counts; anything still held moves to the cut-off in which it's released. You then pay the commission in US dollars, by ACH or wire from a US bank account in your own name, to Panther Management Group's account at ARQ (formerly DolarApp). That account takes only ACH and domestic wires from US banks: ARQ's help centre states that it doesn't support SWIFT, so an international wire sent from a Canadian bank won't arrive. If you have no US account in your name, we agree the route with you before you sign. The account details come in your commission report.
The commission depends on the month's net:
- 30% under US$1,000.
- 25% from US$1,000 to US$2,999.99.
- 20% from exactly US$3,000.
The tier your month reaches applies to all of it:
| Fans paid in the month | Your net after OnlyFans' 20% | Our commission | You keep |
|---|
| US$900 | US$720 | 30% = US$216 | US$504 |
| US$2,000 | US$1,600 | 25% = US$400 | US$1,200 |
| US$3,740 | US$2,992 | 25% = US$748 | US$2,244 |
| US$3,760 | US$3,008 | 20% = US$601.60 | US$2,406.40 |
| US$6,250 | US$5,000 | 20% = US$1,000 | US$4,000 |
Rows three and four show the threshold: crossing US$3,000 of net lowers the rate for the whole month, so you keep more, not less. For your own numbers, our commission calculator does the same arithmetic (the page is in Spanish).
Worked examples only; they are not a forecast or a promise of earnings.
The CRA side, as data rather than advice
- The form. The Canada Revenue Agency's Form T2125, Statement of Business or Professional Activities, is the form for reporting business or professional income and expenses.
- Two dates, not one. On its due dates page, the CRA gives June 15 as the filing deadline if you or your spouse or common-law partner are self-employed, but April 30 to pay any balance owing and avoid interest and penalties (for 2025 taxes: June 15 and April 30, 2026).
- GST/HST. According to the CRA's registration rules, you stop being a "small supplier", and registration becomes mandatory, once your worldwide taxable supplies pass $30,000 (Canadian) in a single calendar quarter or over four consecutive quarters, counted before expenses. The CRA's rate table lists Ontario's HST at 13%. How OnlyFans sales are treated is a question for an accountant.
- OnlyFans puts tax on you. Its terms make creators responsible for their own tax affairs and let OnlyFans close an account, or restrict its payouts, if the creator becomes tax non-compliant.
We don't prepare returns, deal with the CRA for you or give tax advice: talk to an accountant. If you don't have one, we can put you in touch with one. Two questions to bring: how to record income that arrives in US dollars, and what paperwork to keep for a commission paid to a company in Mexico. Our Mexican tax ID, RFC PMG2608209C5, can be checked with Mexico's tax authority, SAT.
Canadian criminal law on intimate images, deepfakes included
General information from the federal Criminal Code as published on Justice Laws (consolidation current to September 21, 2026). It is not legal advice; for your own situation, talk to a lawyer licensed in Ontario.
- Sharing without consent (section 162.1). Publishing, distributing, selling or otherwise making available an intimate image of someone, knowing they didn't consent or being reckless about it, is a crime: up to 10 years on indictment (14 if the image was made during or just after an aggravated sexual assault the accused knew or ought to have known about), or a summary conviction.
- Threats are now an offence too. Subsection 162.1(1.1) punishes threatening to share such an image, with intent to intimidate or to be taken seriously, by up to 10 years on indictment. It came with the Protecting Victims Act (S.C. 2026, c. 19, assented to June 18, 2026); the current section 162.1 has applied since July 18, 2026.
- AI fakes are covered. The definition now has two branches: a real recording of a person nude, nearly nude, exposing their sexual organs or in explicit sexual activity, where there was and still is a reasonable expectation of privacy; and an image made by electronic or mechanical means, artificial intelligence software included, showing an identifiable person that way when it is likely to be mistaken for a real recording. The second branch has no privacy condition.
- Deletion within 48 hours, and internet bans. Where an offence under section 162.1 was committed, subsection 164.1(5.1) says the court must order whoever runs the computer system to delete the image within 48 hours of the order, and section 162.2 lets a sentencing court bar the offender from using the internet except on conditions it sets.
A caveat for creators: for real photos and videos, the test is a reasonable expectation of privacy, and whether paywalled content reposted for free meets it is not obvious. That's why, for leaks of paid content, our tool is copyright. For an AI fake, the second branch is the one to raise with a lawyer. Our own rule points the same way: no AI version of your image or voice without your signed authorization.
Why a Canadian copyright notice alone takes nothing down
Canada's Copyright Act runs a "notice and notice" system: under section 41.25 a copyright owner can send a notice of claimed infringement to an internet or hosting provider, and under section 41.26 the provider must forward it to the person behind the location and keep identifying records for six months (a year if the claimant sues and says so in time). Neither section obliges the provider to remove anything. So the notices our team writes by hand are DMCA takedown notices, sent to the sites and hosts where your copies turn up, including reposts without your name.
Keeping Toronto out of your page
- Geo-blocking. OnlyFans lets creators block viewers by country, and in Canada also by province where OnlyFans offers it. We check what your account allows with you rather than promising it here. A block also shuts out paying fans there, and a VPN gets around it.
- What a clip gives away. The angle of the CN Tower from your window, a streetcar route number, a subway station sign, the name on your condo lobby wall or a parking-garage level marker can narrow you down to a few blocks. Check before posting, above all on the social accounts that feed your OnlyFans.
- Balconies aren't private sets. Section 174 of the Criminal Code makes it an offence, without lawful excuse, to be nude in a public place, or nude and exposed to public view while on private property, whether or not the property is your own (a prosecution needs the Attorney General's consent). A balcony facing a neighbouring tower deserves a second thought.
- The chat keeps quiet about you. Under the contract, chatters can't name or hint at your legal identity, your address, your daily routine or your family.
Shooting in Toronto: Film Office permits, parks and private property
If Toronto's streets are your backdrop, the starting point is Chapter 459 of the Toronto Municipal Code: nobody may occupy a City street, property or park for filming without a permit. Its definition of filming includes commercials and videos but not home movies, and the Film Office's guidelines cover commercial location filming, including web content made for sale, licensing or distribution for profit.
- Permits and fees. The Film Office's Plan Your Shoot page lists, for commercials, documentaries, reality TV, music videos, short films and on-street stills, a $100 production registration, a $100 grid permit for roving shots (an hour at most per site, never in parks), a $150 location permit and a $200 parks permit (Canadian dollars).
- Lead time and neighbours. At least two full business days to issue a permit (three with a City park), and written notice to affected residents and businesses 48 hours before arriving.
- Insurance. Location permits need a certificate naming the City as additional insured, with $2,000,000 of general liability per occurrence.
- Commercial photos in parks go through Parks. The Film Office doesn't issue those permits; they're booked with Parks, Forestry and Recreation: two-hour minimum slots, $485.47 per two hours (taxes included) at any outdoor park location, and $2 million of third-party liability insurance listing the City as additional insured.
- Private property. If everything, parking included, stays on private property between 7 a.m. and 11 p.m., the Film Office says no film permit is needed, but you need the owner's permission (in a condo, the management).
Whether your shoot counts as commercial is the Film Office's call, not ours. A permit covers logistics, not what's on camera: the Criminal Code's sections on indecent acts (s. 173) and nudity (s. 174) apply either way. Empire organizes no shoots in Toronto; ours happen in Mexico City only.
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