The terms of using this site.

Everything published here — the pages, the tools, the calculators, the checklists, and the templates — is general information. It is not legal, financial, tax, accounting, investment, medical, or other regulated professional advice, and it is not tailored to your circumstances.

Before acting on anything you read or calculate here, confirm it against your own numbers and, where the decision warrants it, with a qualified professional.

Each calculator applies a stated method to the figures you enter. The output is only as good as those inputs and the assumptions behind them. A result is a starting point for a conversation, not a forecast, a valuation, or a guarantee.

I make no warranty that any tool is free of error or fit for a particular purpose, and I am not liable for decisions made on the basis of a result produced here.

Sending an enquiry, using a tool, or exchanging emails does not create a professional engagement. An engagement begins only when scope, fees, and timing have been agreed in writing between us.

Until that point, please do not send confidential or privileged material.

I will give you a direct assessment based on the information available, and I will tell you when a problem needs a lawyer, accountant, engineer, lender, therapist, or another qualified professional.

I do not guarantee results, revenue, savings, or any particular outcome. Business decisions carry risk that no adviser removes.

You keep ownership of anything you enter into the tools or send me. You are responsible for having the right to share it, and for the accuracy of what you provide.

The site, its text, and its tools remain my property. You are welcome to use the outputs inside your own business; please do not republish the tools themselves as your own.

This site is provided as-is. Pages and tools may change or be withdrawn without notice, and no uptime is promised.

If anything here is unclear, email sean@seanfinlay.ca and ask.