Terms of use

Last updated: May 11, 2022

Please note that by using this website you are explicitly agreeing to these terms of use.

Acceptance of these terms of use is a condition of using this site.  If you do not agree with these rules please do not use the site. Thank you.

Respect comes first

It is almost needless to say that if we all treat each other with respect and engage in a robust dialogue this virtual community will benefit.  money4retirement.ca encourages everyone to both listen and share.

No membership fees

money4retirement.ca does not charge membership fees.

Legal notices

By using money4retirement.ca you are explicitly agreeing and consenting to all of our legal notices. Please be sure to read them.

Site content and posts

All content (linked content, pages, posts of any kind and comments or posts of any kind) on this site is intended as general information only. It does not constitute personal financial advice nor a solicitation to purchase, hold or sell securities.  Always perform your own due diligence and/or seek professional financial advice as needed.

Permission granted to money4retirement.ca for third party and member-provided content

money4retirement.ca may allow you, a third-party, to upload or submit content (such as text, images, video, presentation, comments, lists, links to other content, and other materials). You retain all rights to any content that you upload or submit, and are solely responsible for that content.

When posting third-party content, you grant money4retirement.ca a non-exclusive, royalty-free, worldwide, transferable, license to use, store, display, perform, reproduce, modify, create derivative works from, and distribute any such content for the purposes of operating, providing, and improving the money4retirement website.

Any member, guest, or member acting for a guest providing or posting third-party content is required and understood to have permission to do so. If not, the member must not provide nor post the content.

money4retirement.ca may, in its sole discretion, remove or take down any content uploaded by a third-party or submitted to money4retirement.ca for any reason, including violation of these Terms of Use or any other policies.

By accessing, providing and/or posting content on money4retirement.ca you agree to not:

  • use this website to advertise, promote or solicit
  • use this website to try to influence the purchase, holding or sale of securities by others
  • use this website to try to influence the price of securities on a stock exchange
  • post any obscene content or use obscene language
  • post any discriminatory content
  • post any sexually suggestive content
  • post any dangerous content
  • use the website as a forum for controversial topics
  • post off-topic or irrelevant material, or post any material multiple times without good reason from the point of view of staff
  • incite (directly or indirectly) any illegal activity (be it covered by criminal or civil law)
  • post or provide any copyrighted material for which you have no right to do so
  • pose as, or willfully act as, a member of staff
  • attempt to hack into or in any other way try to disrupt or interfere with the operation of this website
  • use the features of this website to try to subvert money4retirement.ca or its staff

Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without giving effect to any choice-of-law or conflict-of-law provision or rule that would cause the application of the laws of any jurisdiction other than Ontario. You hereby consent to, and agree to bring any and all claims in, the exclusive jurisdiction of the provincial and federal courts located in Ontario, Canada, for any action or proceeding arising under or relating to money4retirement.ca, whether based in contract or tort.

The parties have requested that these terms and conditions and all communications and documents relating hereto be expressed in the English language. Les parties ont exigé que cette entente ainsi que tout document s’y rattachant soient redigés dans la langue anglaise.

Entire Agreement

This Terms of Use and additional related Legal Notices shall constitute the entire agreement between you and money4retirement.ca regarding the subject matter hereof, and shall supersede any and all prior negotiations, representations, warranties, undertakings, or agreements, written or oral, between the parties regarding such subject matter.


To the maximum extent possible, each provision in these Terms of Use and additional related Legal Notices shall be interpreted in such manner as to be valid and enforceable under applicable law. If any provision of these Terms of Use and additional related Legal Notices is held to be invalid or unenforceable under applicable law, such provision shall be modified so as to be rendered valid and enforceable while implementing, to the maximum extent possible, the original intent of such provision. If such modification is not possible or allowed, then such provision shall be ineffective only to the extent of such unenforceability or invalidity without affecting the remainder of such provision or any other provisions in these Terms of Use and additional related Legal Notices.

Support requests

Requesting support is encouraged at money4retirement.ca and can be made by using our contact form.

  • please be aware that inquiries you have may take time for follow-up and resolution
  • staff make every effort to monitor requests and to respond to them but at the present time it is not feasible to declare response time standards
  • best efforts will be made but please be patient if your request takes some time (not likely, but possibly even a few days)

External content

  • linked sites are outside our control so we cannot take any responsibility for their content
  • advertisements (if present) are not under the complete control of this site so we can not take full responsibility for their content

Please note that money4retirement.ca staff reserve the right to:

  • remove or change member-provided and member-posted content as we feel appropriate, with no warning, explanation or mention
  • monitor the usage of this site, including all content, whether publicly visible or not
  • change these terms of use at any time, without warning
  • ban any member without explanation if any of these rules are deemed to be broken by staff

Please help make this site a success for everyone by following these terms of use.  Thank you very much and enjoy.