Please read and accept the agreement:

1. By using TheAnswerIs.ca, (from now on called “the Site”), you agree to comply with certain terms and conditions. If you do not act according to these terms and conditions, you are not welcome to use the Site.
2. The creator of this Site reserves the right to change and update these terms and conditions at any time whenever the creator  chooses.
3. The content of the Site is published by TheAnswerIs.ca Inc. TheAnswerIs.ca Inc. is not registered with the Ontario Securities Commission nor any other securities commission or regulator and is not licensed to, nor does it, provide any specific financial or other advice.
4. The Site is intended to provide general investment and other information and is not to be seen as an offer to sell or an attempt to solicit an offer to buy securities or invest in anything. Do not rely upon the Site for investment advice, and do not consider any information contained in the Site to be personal investment advice, as it is general information only and has not been provided in the context of your particular wealth structure, time horizon, goals, objectives or risk tolerance.
5. The Site does not intend to deliver financial, legal, accounting, investment or tax advice, and should not be relied upon for such advice. Consult with your professional advisor who will advise you in context of your personal circumstances.
6. The Site makes no promises or guarantees of any kind, and anyone who chooses to use the Site does so at his or her own risk. TheAnswerIs.ca and this Site do not monitor your individualized goals or performance.  No assurance of investment success is provided by the creator of the Site. Any accusations of such promises will be disclaimed by TheAnswerIs.ca to the fullest extent permitted by law.
7. The contents of the Site are copyrighted and trademarked. Unauthorized use or exploitation of the Site’s content for any purpose – such as unauthorized downloading, retransmission, storage in any medium, copying, redistribution, reproduction, or republication in any manner – is forbidden.
8. Other websites connected by hyperlinks to the Site may have been developed by third parties. TheAnswerIs.ca. does not guarantee the accuracy of any information contained in independent websites.
9. Other websites linked to TheAnswerIs.ca, as well as the products, information and/or services they promote, are not necessarily endorsed or approved by the Site. The Site assumes no liability for any harm that may result from visiting these sites, such as unsuitable or unreliable information, viruses, and any other disruptive factors.
10. Any use of the Site in a manner that may be defined or deemed to be statutorily illegal under applicable laws is a violation of these terms and conditions. Such use includes, but is not limited to, use of the Site to distribute content, or links to content, involving child pornography, terrorist threats, phishing, credit card fraud, racketeering, defamation and slander, infringement of copyright, patent, trademark, trade secret of other such infringement. You may not use the Site to facilitate IRC, Egg Drops, BNC or IRC bots, proxies, game servers, online gambling services, unauthorized vulnerability monitoring and testing, unsolicited email and/or SPAM (including but not limited to any conduct that would violate any spam legislation, denial of service attacks, server abuse or distribution of malware).  Framing, mirroring, scraping or data-mining of the Site or any of its content in any form and by any method is strictly prohibited.
11. While every attempt will be made to honour your privacy and safeguard your confidential information, TheAnswerIs.ca cannot guarantee the confidentiality or security of information transmitted electronically. By accessing the Site, you agree not to hold TheAnswerIs.ca Inc. responsible for any damages or losses you incur by transmitting electronic information to us. Please refer to our Privacy Policy for more information. We collect your personal information such as your name and email address when you sign up to the Site. This is for our internal record keeping and we may use this information to improve our products and services. We are committed to ensuring that your information is secure. We will use the data on an aggregated basis together with other similar data from other Site users so that the resulting statistical data is anonymous as to source and the details and source of the information are not revealed.
12. If either of us breaches or defaults under this Agreement and the other forgives that breach or default, it doesn’t mean either of us will forgive that breach continuing or agrees to forgive any future breach or default. In every case forgiveness for any breach or default has to be given in writing to the other party.
13. If any of these terms or conditions is found to be illegal, void, or unenforceable, then that term or condition shall be considered to be deleted from the User’s Agreement and all other remaining terms and conditions shall continue to be considered valid and enforceable.
14. This User’s Agreement is governed by the laws of Ontario and Canada, and is not intended to conflict with any other laws. By using the Site, you agree to abide by the laws of the Province of Ontario and the federal laws of Canada as applicable regarding any issues arising from, connected with, or relating to the Site or this User’s Agreement.

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Please read and accept the policy:

We are committed to protecting your privacy when you are browsing for information through our Site. The handling of all personal information by the Site is governed by the Freedom of Information and Protection of Privacy Act.

How We Protect Your Data

TheAnswerIs.ca needs to collect personal information from our  users and prospective  users to provide services to you. While every attempt will be made to honour your privacy and safeguard your confidential information, TheAnswerIs.ca cannot guarantee the confidentiality or security of information transmitted electronically. By accessing the Site, you agree not to hold TheAnswerIs.ca Inc. responsible for any damages or losses you incur by transmitting electronic information to us.

We may update our Privacy Policy from time to time when we change our personal information practices, so review this Privacy Policy often to obtain the latest information.

Your online access to your personal investing information is protected with a password that you select. Do not disclose your password to anyone. We will never ask you for your password via letters, phone calls or emails. Our personal information processes retain your personal information only as long as is absolutely necessary. Please be aware that we collect and use information about your visit to the Site.

Feel free to visit the Site anonymously without submitting any personal information. We will only collect your internet protocol (IP), page requests, browser, operating system and average time spent with us. This information helps us to understand your needs and interests and to improve our offering.

How Our Technology May Impact You

About Cookies and Other Technologies like Analytics:

We reserve the right to use third-party web masters to help us gather and analyze information about the areas you visit on the Site in order to enhance your user experience and to help us analyze the use of our Site. These third parties uses cookies (tiny pieces of data that can be sent to your browser to be stored on your hard drive so that you are recognized the next time you visit) to collect and generate information about your visits to the Site (including your IP address) that is transmitted to their servers in an anonymous form for processing. We study patterns of website activity so we can improve users’ experience to the Site.

The use of these tools does not allow us or our analytics service providers to identify individuals.

You can opt out of analytics activity by setting your browser to notify you when a cookie is sent and block analytics cookies if desired. Please consult your browser's Help Menu for instructions. Visiting the Site with analytics cookies disabled will have no significant impact on your browsing experience.

Google currently offers a free Google Analytics opt-out tool for Internet Explorer (Versions 7 and 8), Google Chrome (4.x and higher), and Mozilla Firefox (3.5 and higher).

The Google Analytics opt-out add-on is designed to be compatible with Chrome, Internet Explorer 8–11, Safari, Firefox and Opera .

Google Analytics may collect the following standard types of information:

• Internet Protocol (IP) addresses of the computers being used to access the Site;
• Operating systems and the types and versions of browsers used to access the Site;
• Internet Service Providers used by visitors to the Site;
• Dates and times users access the Site;
• Pages visited;
• Keywords users enter into our search engine; and
• Names and sizes of files requested.

This may result in the use of cookies, and can deliver personalized investment information which enables us to tailor the Site to your interests and preferences (e.g., language, investment risk tolerance) and improve your experience. You may set your browser either to notify you when you receive a cookie or to reject cookies.

Social Media

We encourage you to access the Site on or through social network websites, plug-ins and applications such as Facebook, Twitter, LinkedIn, etc.

Third-party links to TheAnswerIs.ca, such as ad exchanges, may use cookies, tracer tags or web beacons to report certain information about your visits to the Site, other websites and ad links. The Site may contain links to other independent websites as a convenience to you. These links do not indicate that we endorse these websites. You are solely responsible for the results of accessing those links. Be sure to carefully review these websites’ own privacy policies and terms of use. We take no responsibility or liability for the information contained in these websites nor the manner in which they may collect, use or disclose your personal information.

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