This disclaimer applies to all technology, content and financial advice, on the MoneySmart Financial Services website:

“” and/or Michael Ward make every reasonable effort to ensure that all information on this website is accurate and timely, but it makes no representations or warranties whatsoever about such information or the website generally, except where expressly stated to the contrary.

Neither “” nor any of its service providers shall be liable for any direct, indirect, incidental or consequential losses (including loss of profit) or damages arising from the use of or reliance on this website, or due to any virus, corruption, interruption, fault or other technical problem.

Our site provides links to other Internet sites that provide relative information. Once you link to another site, you are subject to the privacy policy of the new site. Consequently, “” and/or Michael Ward assumes no responsibility for the content of these sites and will not be liable for any claims by third parties for any damage or injury arising from reliance on the information on these websites.

You may print or download to disk the contents of an individual page of this web site for the purpose of private and personal non-commercial use.

You may not distribute, display or copy any of the contents of the pages contained in this web site to third parties including, but not limited to ‘caching’ any material on this web site for access by third parties and ‘mirroring’ any material on this web site.

Contacting us

If you have any questions about this Disclaimer, the practices of this site, or your dealings with this site, please contact us at:

MoneySmart Financial Services
588 Concession St
Hamilton, ON, Canada
L8V 1B1

This document was last updated on November 11, 2019