Terms of Use

SMAC Terms of Use

Simple Money Advice for Canadians (SMAC)
Last Updated: September 30, 2026

Welcome to SMAC — Simple Money Advice for Canadians.

These Terms of Use (“Terms”) apply to your use of the SMAC website, including its assessments, calculators, educational resources, downloadable materials, forms, tools, and other content (collectively, the “Website”).

By accessing or using this Website, you agree to these Terms. If you do not agree with these Terms, please do not use the Website.

1. About SMAC

SMAC — Simple Money Advice for Canadians — provides educational information and tools designed to help Canadians better understand topics related to money, financial protection, insurance, mortgages, home financing, debt, budgeting, saving, investing, and other financial matters.

My goal is to make financial information easier to understand so you can feel more informed and confident when making financial decisions.

Some services discussed on this Website may be provided through appropriately licensed insurance, mortgage, financial, or other professionals and may only be available in jurisdictions where the applicable individual or organization is authorized to provide those services.This is a Paragraph Font

2. Educational Information Only

The information and tools available through SMAC are provided primarily for general informational and educational purposes.

Unless specifically stated otherwise as part of a separate professional engagement, information provided through this Website does not constitute personalized:

financial advice;
investment advice;
legal advice;
tax advice;
accounting advice;
insurance advice or a recommendation to purchase a particular policy; or
mortgage or lending advice, approval, commitment, or guarantee.

Your personal circumstances may be different from the examples or general information presented on this Website.

Before making an important financial decision, consider obtaining advice appropriate to your individual circumstances from a qualified professional.

3. Assessments and Results

SMAC may provide assessments and self-evaluation tools, including the Family Protection Assessment and other financial assessments that may be introduced in the future.

Assessment results are based on the information you provide and on general educational criteria used by the applicable assessment.

Results such as preparedness levels, protection needs, explanations, observations, or suggested areas to explore are intended to help you better understand your current situation.

They are not financial plans, insurance recommendations, mortgage approvals, credit decisions, underwriting decisions, or guarantees of any particular financial outcome.

Assessment results should be viewed as a starting point for education and discussion rather than a substitute for an individualized professional review.

4. Calculators, Estimates and Examples

Calculators, projections, illustrations and examples provided through SMAC are estimates for educational purposes.

Actual results may differ because of factors such as interest rates, lender requirements, insurance underwriting, premiums, investment performance, taxes, fees, credit history, income, property information, government rules, eligibility requirements and changes in market conditions.

SMAC does not guarantee that calculations, estimates or projections will match the results provided by a lender, insurer, financial institution, government agency or other third party.

5. Insurance Information

Insurance information on this Website is general in nature.

Coverage, premiums, eligibility, exclusions, limitations, underwriting requirements and policy terms vary by insurer, product and individual circumstances.

No insurance coverage is created, changed, approved or placed simply by using this Website, completing an assessment, requesting information, sending a message, or submitting a form.

Insurance coverage becomes effective only in accordance with the applicable insurer's requirements and the terms of the issued policy or contract.

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

6. Mortgage and Financing Information

Mortgage and financing information provided through SMAC is for general educational purposes unless you are specifically working with an appropriately licensed mortgage professional regarding your individual circumstances.

Mortgage examples, affordability calculations, refinancing information, debt-consolidation examples, rates and qualification estimates do not constitute an approval or commitment to lend.

Actual qualification depends on factors including lender policies, income verification, credit history, debt obligations, property information, applicable regulations and underwriting requirements.

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

7. Saving and Investment Information

SMAC may provide general educational information about financial concepts and accounts such as RRSPs, TFSAs, RESPs, FHSAs and other saving or investment strategies.

This information is intended to help you understand general concepts and does not constitute a recommendation to purchase, sell or hold a particular investment or security.

Investment values and returns may fluctuate, and past performance does not guarantee future results.

8. Accuracy and Changes to Information

I aim to provide information that is practical, understandable and useful. However, financial products, regulations, government programs, tax rules, interest rates, eligibility requirements and other information can change.

SMAC does not guarantee that every piece of information on the Website will always be complete, current or error-free.

Content may be corrected, updated, changed or removed at any time.

9. Your Responsibility

You are responsible for the information you provide through SMAC.

When completing an assessment, calculator, contact form or other tool, you agree to provide information that is accurate to the best of your knowledge.

You are also responsible for reviewing information carefully and deciding whether additional professional advice is appropriate before acting on it.

10. No Guarantee of Results

SMAC does not guarantee any particular financial result.

Using this Website or its tools does not guarantee that you will:

qualify for a mortgage or loan;
receive a particular interest rate;
obtain insurance coverage;
receive a particular insurance premium;
improve your credit score;
reduce or eliminate debt;
achieve a particular investment return; or
reach a specific financial goal.

Financial outcomes depend on your circumstances and on factors that may be outside SMAC's control.

11. Third-Party Products, Providers and Links

SMAC may discuss or provide access to products, services, websites or resources offered by third parties, including insurers, lenders, financial institutions, technology providers and other organizations.

Those third parties operate under their own terms, policies and practices.

A link or reference to a third party does not mean SMAC controls or guarantees that third party's website, products, services, information or availability.

12. Privacy and Communications

When you provide personal information through SMAC, your information will be handled in accordance with the applicable SMAC Privacy Policy and applicable privacy requirements.

Certain forms or assessments may allow you to consent separately to receiving text messages, emails or marketing communications.

Where consent is required, you may choose whether to provide it, and applicable communications will be subject to the consent and unsubscribe or opt-out options provided.

13. Intellectual Property

Unless otherwise stated, the SMAC name, branding, Website content, original assessments, educational materials, guides, graphics, written content and other original materials are owned by or licensed to SMAC and are protected by applicable intellectual-property laws.

You may use SMAC materials for your own personal, non-commercial educational purposes.

You may not reproduce, sell, republish, distribute, modify or commercially exploit SMAC materials without prior written permission, except where permitted by law.

14. Acceptable Use

You agree not to misuse the Website or attempt to interfere with its operation.

You may not knowingly:

submit false or fraudulent information;
attempt to gain unauthorized access to the Website or its systems;
introduce malicious software or harmful code;
use automated methods to improperly copy or extract Website content; or
use the Website for unlawful purposes.

15. Website Availability

I aim to keep SMAC accessible and functioning properly, but uninterrupted availability cannot be guaranteed.

The Website or individual tools may occasionally be unavailable because of maintenance, technical issues, updates or circumstances beyond SMAC's control.

16. Limitation of Liability

To the extent permitted by applicable law, SMAC and its owner, representatives, service providers and affiliates will not be responsible for losses or damages resulting solely from reliance on general educational information, estimates, calculators or assessment results available through the Website.

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.

17. Changes to These Terms

These Terms may be updated periodically to reflect changes to SMAC, its services, legal requirements or business practices.

The updated version will be posted on this Website with a revised Last Updated date.

Your continued use of the Website after an update means the updated Terms will apply to your subsequent use of the Website.

18. Governing Law

These Terms are governed by the laws applicable in the Province of Manitoba and the federal laws of Canada applicable therein, subject to any mandatory consumer-protection or other rights that may apply in your province or territory.

19. Contact

If you have questions about these Terms of Use or about SMAC, please contact:

SMAC — Simple Money Advice for Canadians
email: [email protected]