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If you use our site you agree to our Terms of Use, as detailed hereunder and as modified by us from time to time. If you do not agree to our Terms of Use you may not use our site
INDEPENDENCE information
PRIVACY information
SECURITY information
LINK information
E-mail information
Independence Information
This site is owned and operated by RetirementAdvisor.ca Inc. (RAI), a private Canadian company. Our mission is to offer on this site objective information and tools related to planning for and enjoying a healthy and financially secure retirement. To that end, while we may accept advertising dollars to help fund the operation of this site, we have no interest, financial or otherwise, in the sale of any particular financial product or service.
We may, however, collect and present comparative information about products or services and the terms and prices thereof, and when we do we will make reasonable efforts to reflect as many different providers as possible and to include absolutely no bias.
Notwithstanding the above, RAI uses this site to demonstrate some of its capabilities to clients and potential clients, which are governments, financial institutions and employer-sponsored pension plans.
Privacy information
This site collects information specific to you ("Specific Information") solely to permit you to build your own personal store of retirement data and calculations about you. Information which is not specific to you (eg the number of visitors to the site) is also collected ("Non-specific Information"). You do not have to divulge any Specific Information to use this site, but you will get much more utility from our various calculators if you do. In any event, whether you choose to divulge Specific Information is entirely your decision. Of course, where a particular calculation depends upon Specific Information or where you want to compare the result of a calculation with a calculation you previously performed using older information, we cannot provide this service to you if you choose not to divulge the Specific Information or if you chose not to divulge it previously.
We may use a cookie to facilitate your use of some of the features on our site. Such a cookie is a simple, browser-controlled text file, which contains a unique identification number identifying your browser. It permits our server to recognize your browser. We do not use the cookie for any other purpose, and we take precautions to ensure that no one other than ourselves can read it.
We may use any information collected on our site at any time for research conducted by us. In this event we undertake not to publish, sell or release any information which could be traced to you. We may also publish, sell or release any Non-specific Information at any time. We undertake never to knowingly provide any trail which would permit any third party to contact you without you initiating the communication, except if we are required by due process of law to divulge information about you, in which case we will so comply. We may sometimes send an e-mail to you to confirm your registration or to check your use of your password or designed to prompt you to return to our site and update your stored information and calculations, or for other purposes beneficial to the operation of the site.
If we ask you to select and use a password and if you choose to do so then you assume all subsequent responsibility for the privacy, confidentiality and use of your password. RetirementAdvisor.ca Inc. will not be responsible for the consequences of careless or inadvertent disclosure by you of your password to a third party nor for the theft or unauthorized use of your password by a third party. In particular, RetirementAdvisor.ca Inc. will not take any steps to confirm identity or authorized use once you select a password. If you have reason to suspect that the privacy or confidentiality of your password has been compromised at any time it is your responsibility to promptly notify RetirementAdvisor.ca.
You should be aware that our privacy policy does not govern the activities of advertisers whose information you view or click on our site, and we disclaim any responsibility in such circumstances.
Security information
RetirementAdvisor.ca Inc. operates a secure server and data connection protected by firewalls, encryption and password protocols. We strive to maintain these protocols in what we deem is a reasonable manner and will, from time to time, review them and upgrade them as we determine is required.
Link information
Links to other websites and references to products, services, articles, or any other material not created by RetirementAdvisor.ca Inc. are provided only for your convenience and do not imply any endorsement or approval by RetirementAdvisor.ca Inc. Linking to and/or use of any other site by you shall be entirely at your own risk and RetirementAdvisor.ca Inc. shall not be responsible or liable in any way for any loss or damage in connection with any such linking or use.
E-mail information
It is your responsibility to take steps to protect any e-mails you send to us or we send to you using the internet, from diversion, interception, alteration or unauthorized use by a third party. RetirementAdvisor.ca Inc. will not be responsible for any loss or damages incurred by you or any other party resulting from any such diversion, interception, alteration or unauthorized use.
RetirementAdvisor.ca Inc. will make reasonable efforts to ensure that all information, data, statistics, algorithms, assumptions, techniques and calculations are accurate and reliable, but we disclaim all responsibility for the use thereof by you or your agent. You should check carefully any information you provide and you should review any material from our site you decide to use for reasonableness before you proceed. You should consider obtaining a second or expert opinion on matters and decisions which are not within your personal expertise.
All materials, information, data, software, products or services (the "Content") included in or available through this site are provided "as is" and "as available" for your personal use only. The Content is provided without warranties of any kind, either express or implied, including implied warranties of fitness for a particular purpose. RetirementAdvisor.ca Inc. does not warrant that the Content is accurate, reliable or correct, that this site will be available at any particular time or location, that any defects or errors will be corrected, or that the content is free of viruses or other harmful components.
Under no circumstances will RetirementAdvisor.ca Inc. be liable for any direct, indirect, punitive, incidental, special or consequential damages whatsoever that arise from the use of, or inability to use, this site. This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability or any other basis, even if RetirementAdvisor.ca Inc. has been advised of the possibility of such damage.
Terms of use
If you use our site you agree to our Terms of Use, as detailed hereunder, and as modified by us from time to time. If you do not agree to our Terms of Use you may not use our site. Our Terms of Use are:
  • you may not use our site for any unlawful purpose or activity,
  • you acknowledge that everything on our site is our property and that it is protected by copyright and that you may not sell, license or rent it or any part of it nor derive income in any other way from it or its use. You may print one copy of any material on our site for your own personal, non-commercial retirement planning purposes.
  • you may not broadcast, publish or distribute any material from our site, whether intact or modified, whether for gain or not.
  • systematic retrieval of data or other content from this site to create or compile a database or directory is expressly prohibited.
  • you acknowledge that you have read and understood all the material in this part of our site called "Legal Notices" and agree to them and to be bound by them.
  • our site, its operation and these terms of use shall be governed by and construed in accordance with the laws of the Province of Ontario. Any dispute, suit, action, proceeding or claim arising from or in connection with the site shall be subject to the jurisdiction of the courts in Ontario and nowhere else, and the courts in Ontario shall have exclusive jurisdiction to deal with such matters.
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