Financial Disclaimer

Last updated: July 2026

Not Financial Advice

The information provided on Canadian Money Guide (canadianmoneyguide.ca) is for general informational and educational purposes only. Nothing on this Site should be construed as:

• Financial advice — recommendations tailored to your personal financial situation
• Investment advice — buy, sell, or hold recommendations for securities
• Tax advice — guidance on tax planning or filing strategies
• Legal advice — interpretation or application of laws and regulations
• Insurance advice — analysis of your specific insurance needs

We do not know your income, expenses, debts, assets, risk tolerance, financial goals, tax situation, or personal circumstances. No article, calculator, or comparison on this Site accounts for these factors. What makes sense for one Canadian may be inappropriate for another.

You Are Responsible for Your Own Decisions

Any action you take based on information found on this Site is strictly at your own risk. Canadian Money Guide, its owners, contributors, and affiliates are not responsible for:

• Financial losses or missed opportunities resulting from your decisions
• Investment outcomes — positive or negative
• Tax consequences of financial actions you take
• Product dissatisfaction with providers we compare or link to

Always conduct your own research and verify rates, fees, terms, and product features directly with the financial institution or service provider before opening an account or making a financial commitment.

Consult a Qualified Professional

We strongly recommend consulting with a qualified professional before making significant financial decisions, including:

• A certified financial planner (CFP) for comprehensive financial planning
• A chartered accountant (CPA) for tax planning and preparation
• A licensed investment advisor for portfolio construction and management
• A mortgage broker for mortgage selection and negotiation
• A licensed insurance agent for life, health, and disability insurance

Calculators and Tools

Interactive tools on this Site (savings calculators, comparison widgets) produce estimates based on the inputs you provide and assumptions stated on the page. These estimates:

• Are for illustrative purposes only
• Do not account for all variables that affect real-world outcomes
• Should not be relied upon for financial, tax, or investment decisions
• May not reflect current rates or terms if provider data has changed since our last update

Rates and Product Information

We make every effort to keep rates, fees, and product information current. However:

• Provider rates change frequently — sometimes without notice
• Promotional offers have expiration dates that may have passed
• Eligibility requirements vary — your approval is not guaranteed
• Terms and conditions of financial products are set by the provider, not by us

You should always confirm the current rate, fee, and terms with the provider before applying. The information on this Site may not reflect the most current offers.

Investment Risk Disclosure

Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. No investment strategy — including those discussed on this Site — can eliminate risk or guarantee returns.

Specific risks that apply to Canadian investors include, but are not limited to:

• Market risk — the value of investments can go down as well as up
• Currency risk — foreign investments are affected by exchange rate fluctuations
• Interest rate risk — bond prices fall when interest rates rise
• Inflation risk — returns may not keep pace with the cost of living
• Liquidity risk — some investments cannot be sold quickly without a loss

No Endorsement or Guarantee

Mention of a financial product, service, or institution on this Site does not constitute an endorsement or guarantee. We compare products using consistent, publicly disclosed criteria — but we cannot guarantee that:

• A highly-rated product is right for your specific situation
• You will be approved for any product we discuss
• A product's terms will remain as described at the time of your application
• Your experience with a product will match what our research suggests

Affiliate Relationships

Some links on this Site are affiliate links. We may receive a commission if you click a link and take a qualifying action. This does not affect:

• The price you pay
• Our editorial assessment of the product
• Our methodology for ranking and comparing products

Our Affiliate Disclosure provides full details.

No Regulatory Status

Canadian Money Guide is not:

• A bank, credit union, or trust company
• A registered investment advisor or dealer
• A licensed mortgage broker
• A government agency or regulatory body
• An insurance company or broker

We are an independent publisher of financial information and education. We do not hold, manage, or invest client funds. We do not sell financial products. We do not provide personalized financial recommendations.

Forward-Looking Statements

Content on this Site may include forward-looking statements about economic conditions, market trends, interest rates, or regulatory changes. These statements are based on current information and market conditions and are subject to risks and uncertainties. Actual outcomes may differ materially.

Changes to This Disclaimer

We may update this disclaimer at any time. The "Last updated" date indicates when the current version took effect. Continued use of the Site after changes constitutes acceptance.

Contact

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This disclaimer applies to all pages, articles, tools, and communications on canadianmoneyguide.ca and all associated channels. Individual pages may contain additional specific disclaimers where appropriate.