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To learn more about Google Analytics and how this service may use your data, please read this reference. Aside from Google Analytics, the only other time this site collects your data is if you willingly provide your email address and name/contact info in a form.

terms &


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Terms and Conditions

1. Introduction

Welcome to By accessing and using this website, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by the above, please do not use this site.

2. Privacy Policy

Every user's registration data and various other personal information are strictly protected. We use Google Analytics on our website to help us understand how our site is being used. Google Analytics collects data such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. 

3. User Behavior

Users are required to use this site responsibly and to refrain from engaging in any activity that may harm or its users. Any form of harassment, intimidation, or aggressive behaviour will not be tolerated.

4. Intellectual Property

The content provided on is owned by us and/or our authors. Content must not be replicated without our prior written consent. All intellectual property rights are reserved by us.

5. External Links

Our website may link to external sites that are not operated by us. Please be aware that we have no control over the content and practices of these sites, and cannot accept responsibility or liability for their respective privacy policies.

6. Liability is not responsible for any losses or damages suffered by users due to their use of the website. Users agree to use this site at their own risk.

7. Changes to Terms and Conditions

We reserve the right to modify these terms from time to time at our sole discretion. Therefore, you should review these terms periodically. Your continued use of our website or our service after any such change constitutes your acceptance of the new Terms.

8. Governing Law

These Terms shall be governed and construed in accordance with the laws of Canada, without regard to its conflict of law provisions.

9. Not Financial Advice

The contents of this website should not be construed as financial advice. If you need help with a financial problem, you should speak with your financial advisor, wealth manager, portfolio manager, financial planner, or attorney. 

Last updated: May 25, 2023.

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