Terms & Conditions
The terms that govern your use of the Clearstone Financial website.
Acceptance of These Terms
This website is operated by Clearstone Financial. By accessing or using this website, you agree to these Terms & Conditions and to our Privacy Policy. If you do not agree with these terms, please do not use the website. These terms apply to all visitors and users of the site.
Information Only — Not Advice or an Offer
The content on this website is provided for general information and education only. It is not legal, tax, accounting, insurance, mortgage, or individualized financial advice, and it is not a substitute for professional advice tailored to your circumstances. Nothing on this website is an offer, solicitation, or recommendation to buy or sell any product or to enter into any transaction, and no result, return, saving, rate, or approval is guaranteed. You should obtain advice specific to your situation before acting on anything you read here. Any advisory relationship with Clearstone is established through a separate, written engagement — not through your use of this website.
Use of the Site
You may use this website for lawful, personal, non-commercial purposes. You agree not to use the website to do anything unlawful, to interfere with or disrupt the website or its security, to attempt to gain unauthorized access to any system or data, to submit false or misleading information, to send spam or automated queries, or to copy, scrape, or reproduce the website's content except as permitted below. We may suspend or restrict access to the website, or remove content, at any time and without notice, including where we believe these terms have been breached.
Third-Party Tools & Links
This website may provide calculators, tools, and feature sheets, and may link to third-party websites and services. Any calculators or tools produce estimates for illustration and education only; they are not an offer of credit, a pre-approval, or advice, and do not guarantee any rate, payment, penalty amount, or approval — actual figures depend on lender terms, verification, and individual circumstances. Some tools are provided through third-party software, and Clearstone is not responsible for the accuracy of third-party software output. Links to third-party websites are provided for convenience only; Clearstone does not control and is not responsible for the content, products, or privacy practices of those websites, and a link does not imply endorsement.
Intellectual Property
Unless otherwise noted, the content on this website — including text, graphics, logos, and layout — is owned by or licensed to Clearstone Financial and is protected by applicable intellectual-property laws. You may view and print pages for your own personal, non-commercial reference. You may not otherwise copy, reproduce, republish, distribute, or create derivative works from the website's content without our prior written permission. Product and service names used on this website, including Smith Manoeuvre™, CSIF™, and ClearView™, are trademarks of their respective owners.
Disclaimer
This website and its content are provided on an "as is" and "as available" basis. While we take reasonable care to keep the information current and accurate, we do not warrant that it is complete, error-free, or up to date, or that the website will be uninterrupted or free of harmful components. To the extent permitted by law, we disclaim implied warranties in connection with the website and your use of it.
Limitation of Liability
To the extent permitted by applicable law, Clearstone Financial will not be liable for any indirect, incidental, or consequential loss or damage arising out of your access to or use of, or inability to use, this website or any content or tool on it, or any third-party website linked from it. Nothing in these terms excludes or limits any liability that cannot be excluded or limited under applicable law. This clause does not affect the professional obligations that apply once you engage Clearstone under a separate written agreement.
Your Responsibility
You agree to use this website responsibly and in accordance with these terms, and to be responsible for any loss or claim arising from your misuse of the website or your breach of these terms.
Governing Law
These Terms & Conditions are governed by the laws of the Province of Prince Edward Island and the laws of Canada applicable there, without regard to conflict-of-laws principles. By using this website, you agree to the exclusive jurisdiction of the courts of Prince Edward Island for any dispute arising from these terms or your use of the website, subject to any consumer-protection rights that apply to you under the law of your own province of residence.
Changes & How to Contact Us
We may update these Terms & Conditions from time to time; the current version is always the one posted on this page, and your continued use of the website means you accept the updated terms. If you have questions about these terms, contact us at clarity@clearstonefinancial.ca or +1 (902) 892-8393.
For planning and discussion only. Not legal, tax, or accounting advice.