Disclaimer

Not Personalized Financial Advice

Information provided through SMAC does not, by itself, constitute personalized financial, investment, legal, tax, accounting, insurance, mortgage or lending advice.

Everyone's financial situation is different. Information that may be appropriate for one person may not be appropriate for another.

Before making an important financial decision, you should consider your individual circumstances and, where appropriate, seek advice from a qualified professional.

Assessments and Personalized Results

SMAC assessments, including the Family Protection Assessment and any future assessments, are educational tools designed to help you better understand your financial situation and identify areas you may wish to explore further.

Any scores, preparedness levels, protection-need levels, personalized explanations, observations or suggested areas to review are based on the information you provide and the general criteria used by the assessment.

These results are not a financial plan, insurance recommendation, mortgage approval, credit decision, underwriting decision or guarantee of any financial outcome.

They are intended to give you a clearer starting point for making informed decisions and having further conversations when appropriate.

Insurance

Insurance information provided through SMAC is general and educational.

Insurance coverage, premiums, eligibility, exclusions, limitations and underwriting requirements vary by insurer, product and individual circumstances.

Completing an assessment, submitting a form, requesting information or communicating through this website does not create or place insurance coverage.

Insurance products and services are offered only where the applicable insurance representative is properly licensed and authorized to provide them.

Mortgages and Financing

Mortgage, refinancing, debt-consolidation and home-financing information provided through SMAC is general and educational unless you are specifically receiving individualized services from an appropriately licensed mortgage professional.

Any rates, payments, affordability calculations or qualification examples are estimates only and do not constitute a mortgage approval, pre-approval, commitment to lend or guarantee of financing.

Actual qualification and terms depend on factors such as lender requirements, income, credit history, debts, property details, applicable regulations and underwriting.

Mortgage services are provided only in jurisdictions where the applicable mortgage professional is licensed or otherwise authorized.

Saving and Investing

Information about RRSPs, TFSAs, RESPs, FHSAs, investments and other saving or wealth-building strategies is provided for general educational purposes.

Nothing on this website should be interpreted as a recommendation to purchase, sell or hold a particular investment or security.

Investment values and returns can change, and past performance does not guarantee future results.

Calculators, Examples and Estimates

Any calculators, projections, illustrations, rates, figures or examples provided through SMAC are for educational purposes and may be based on assumptions.

Actual results may differ.

Financial products, interest rates, government programs, tax rules, lender requirements, insurance premiums and eligibility requirements may also change over time.

While reasonable efforts are made to provide useful and accurate information, SMAC does not guarantee that all website information will always be complete, current or error-free.

No Guarantee of Results

Using SMAC does not guarantee that you will qualify for insurance, obtain a mortgage or loan, receive a particular interest rate or premium, improve your credit, reduce debt, achieve a particular investment return or reach a specific financial goal.

Your results depend on your individual circumstances and other factors outside SMAC's control.

Third-Party Information

SMAC may provide information about or links to third-party insurers, lenders, financial institutions, government resources, service providers or other websites.

SMAC does not control third-party websites and cannot guarantee their content, availability, products or services.

You should review the terms, policies and information provided directly by the applicable third party.

Your Decisions Matter

SMAC is here to educate, simplify and help you understand your options.

The final financial decisions you make remain yours.

Take the time to understand your options, ask questions and obtain individualized professional guidance when you need it.

Questions?

If you have questions about information you find on SMAC or would like help understanding how it may relate to your individual circumstances, you may contact:

SMAC — Simple Money Advice for Canadians
Winnipeg, Manitoba, Canada
Website: sharoncruz.ca