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Disclaimer

Last updated: 2025

General Disclaimer

This website provides educational information and practical tips regarding future savings, long-term planning, and wealth building in Canada. The content presented is for informational purposes only and should not be considered as comprehensive financial guidance. While we strive to ensure accuracy, we make no guarantees regarding the completeness, timeliness, or correctness of any information provided. Market conditions, tax laws, and financial regulations are subject to change. Users are encouraged to verify all information independently and consult with qualified professionals before making any financial decisions. The authors and contributors of this website assume no liability for any errors, omissions, or inaccuracies in the content.

No Professional Financial Advice

The information, strategies, and tips shared on this website do not constitute professional financial, investment, tax, or legal advice. We are not licensed financial advisors, and nothing on this site should be interpreted as a recommendation to buy, sell, or hold any financial products or securities. Every individual's financial situation is unique, and what works for one person may not be suitable for another. Before implementing any strategy discussed on this website, you should consult with a qualified financial advisor, accountant, or legal professional who understands your specific circumstances. Past performance and hypothetical examples do not guarantee future results. Investment in financial products carries inherent risks, including potential loss of principal.

Limitation of Liability

To the maximum extent permitted by law, this website and its creators, owners, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the information provided. This includes, but is not limited to, losses resulting from financial decisions, investment choices, or actions taken based on content from this website. Users access this website and all its content at their own risk. We do not warrant that the website will be uninterrupted, error-free, or free from viruses or harmful components. Your sole remedy for dissatisfaction with this website is to cease using it. In no event shall our total liability exceed the amount paid, if any, by you to access this website.

Changes to This Disclaimer

We reserve the right to modify this disclaimer at any time without prior notice. Changes will be effective immediately upon posting to the website. Your continued use of this website following any modifications constitutes your acceptance of the updated disclaimer. We encourage you to review this disclaimer periodically to stay informed of any updates. If you do not agree with any terms of this disclaimer or any future modifications, you should discontinue your use of this website immediately.

External Links and Third-Party Content

This website may contain references to external websites and third-party resources for educational purposes. We are not responsible for the content, accuracy, or practices of external websites. Inclusion of any external link does not constitute endorsement or recommendation of the linked site. Users who click on external links do so at their own risk and should review the terms and disclaimers of those websites independently. We have no control over external content and cannot be held liable for any issues arising from your interactions with third-party websites or services.

Governing Law and Jurisdiction

This disclaimer and your use of this website are governed by and construed in accordance with the laws of Canada, without regard to its conflict of law provisions. You agree that any legal action or proceeding arising out of or relating to this website or disclaimer shall be exclusively subject to the jurisdiction of the courts located in Canada. If any provision of this disclaimer is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. Your use of this website constitutes acceptance of all terms and conditions outlined in this disclaimer.