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Since you are using the Canadian MoneySaver (CMS) website, you understand and comply with the following terms of its use.

CMS is committed to protecting the privacy of the personal information which members provide CMS with for fulfillment use. See our privacy policy.

The site contains secure sections which require a personal username and password. Each user is solely responsible for his/her username and password. It is the user's responsibility to notify CMS if others know this data. CMS can block access to your personal file until another username and password have been confirmed.

CMS owns the copyright to all proprietary information on this site. As a member of CMS, you are granted permission to send articles to a friend/associate without further permission. However, if you want the right to reuse material, other than for personal use, please contact Dale Ennis, publisher, for permission to do so.

All articles, calculators, tools and other data are provided for personal use only. For example, items are not to be resold or passed on gratuitously. If you want to excerpt, redistribute, reproduce, etc for other parties' use, request permission from Dale Ennis, publisher.

Recommended websites, i.e. links to other sites, are provided for member convenience only and have been developed independently of CMS. CMS cannot vouch for their accuracy, authenticity, or completeness of their website content or functionality of the user for risk. CMS cannot be held liable or responsible for any damages incurred, directly or indirectly, due to such linking.

CMS cannot be held liable or responsible for any loss or damages arising directly or indirectly from the use of the CMS site and the information contained herein.

The information contained in Canadian MoneySaver and on Canadian MoneySaver.ca are obtained from sources believed to be reliable. However, we cannot represent that it is accurate or complete. The views expressed are those of the writers and not necessarily those of The Canadian Money Saver Inc. Neither the information nor any opinion expressed constitutes a solicitation by us for the purchase or sale of any securities or commodities. Canadian MoneySaver and Canadian MoneySaver.ca are distributed with the explicit understanding that Canadian MoneySaver, Canadian MoneySaver.ca, The Canadian Money Saver Inc., its publisher or writers cannot be held responsible for errors or omissions.

Shareholders of The Canadian Money Saver Inc, editors and contributors may at times have positions in mentioned investments/securities. Consult your professional advisor before implementing any techniques/strategies herein.

CMS is a registered trademark of The Canadian Money Saver Inc.