Terms of service

LAST UPDATED JULY 2026

By using kenstern.ca you agree to these terms. If you do not agree with them, please do not use the site.

Informational purpose only

Everything on this site is general information. It is not tax advice, legal advice, or a recommendation to buy or sell any security, and it does not take your circumstances into account. Worked examples are illustrative, use assumed rates, and will not match your return. Obtain advice from your own accountant or legal counsel before acting.

No advisory relationship

Using this site, requesting the Primer, or sending an enquiry does not create a client, advisory, or fiduciary relationship. Securities transactions are effected only through registered dealers, under executed documentation, and only with investors who qualify.

Accuracy

We take care with what we publish but do not warrant that the site is complete, current, or error-free. Tax legislation and administrative positions change.
E.&O.E.

Third-party links

We are not responsible for the content of sites we link to.

Limitation of liability

To the extent permitted by law, Capital Ideas Inc. is not liable for any loss arising from use of, or reliance on, this site.

Governing law

These terms are governed by the laws of the Province of Ontario.