Terms of Use

This policy takes effect on May 27, 2024.

Your use of this Site after May 27, 2024 is governed by these terms.

Welcome to the digital properties of Wise Publishing, Inc., which include the Internet sites and software applications that you access or download to view Content of Wise Publishing, Inc. (collectively "Sites" or each a "Site"). You agree to be bound by the following terms and conditions of use ("Terms of Use"), together with our Privacy Policy and other policies on the Site.

Your use of the Site constitutes your agreement to these Terms of Use. If you disagree with any part of these Terms of Use, please do not use the Site. Wise Publishing, Inc., in its sole discretion and without notice to you, reserves the right to make changes to the Site and these Terms of Use from time to time.

If we make any material changes, we will take reasonable steps to notify you. You may wish to check this section from time to time, because by visiting the Site, you agree to accept any such changes.

These are the terms of use for this Site.

By using this Site you are deemed to agree with these terms. It will change from time to time, so keep an eye on this page. We include the revision date on the header on the main page for your easy reference.

The following words and expressions have the following meanings unless inconsistent with the context:

"Commercial Gain"

includes, without limitation, any use of this Site which may result in revenue generation or personal gain, including advertising, selling goods to a third party and copying, reproducing, distributing, publishing, transferring, transmitting, licensing, selling, commercially exploiting or duplicating any element of this Site whatsoever;

"Content"

means any media that can be rendered on a web page intended for consumption by an end-user, including, but not limited to articles, quizzes, polls, surveys, videos, pictures, audio and embeds;

"Personal Information"

means information about an identifiable individual. Personal Information includes facts which, when combined with other information, can identify an individual;

"Service"

means a product offering on a Wise Publishing, Inc. website;

"we", "us" or "our"

Wise Publishing, Inc., a company duly incorporated under the laws of the province of Ontario, the country of Canada;

"you", "your"

an individual, company or firm accessing our Site.

The definitions are here. If a term doesn't make sense, look here.

You must be older than 13 years to register as a user or access the Site. If you are under 16, you must have a parent or guardian's permission before making any contribution. Parental control protections are commercially available at https://www.ntia.gov/report/2003/childrens-internet-protection-act-pub-l-106-554-study-technology-protection-measures.

If you are under 16, you must get permission to use the Site and in any event be older than 13.

If you have authorized a minor to access a Wise Publishing, Inc. Site, then you agree to be fully responsible for: (i) controlling the minor's access to and use of that Wise Publishing, Inc. Site; and (ii) the consequences of any misuse by the minor. You acknowledge that some of the areas of a Wise Publishing, Inc. Site and some of the Content may include material that is inappropriate for minors.

If you provide permission, you are responsible for the minor's activity. And you understand that certain Content may not be appropriate.

While we endeavour to ensure that this Site is normally available twenty-four (24) hours a day, we shall not be liable for any reason this Site is unavailable at any time or for any period. Access to this Site may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control.

While we try to provide 24-hour access, it may not always be available. If so, we are not liable for any reason.

We respect the privacy of the users of the Wise Publishing, Inc. Sites. Our collection, use and disclosure of Personal Information in connection with Wise Publishing, Inc. Sites are governed by the Wise Publishing, Inc. Privacy Policy located at https://www.money.ca/privacy. See also our Cookie Policy at https://money.ca/cookies.

Personal information is governed by our Privacy Policy. The link to it and our Cookie policies are here.

While we endeavour to ensure that the information on Wise Publishing, Inc. Sites is correct we do not warrant the accuracy and completeness of the material on our Sites. We may make changes to the material on our Sites at any time without notice. There is Content that is time sensitive and may not remain current. We make no commitment to update such material.

The material on Wise Publishing, Inc. Sites is provided 'as is', without any conditions, warranties of any kind. Accordingly, to the maximum extent permitted by law, we provide you with our Site on the basis that we exclude all representations, warranties and conditions (including without limitation, the conditions implied by law of satisfactory quality, fitness for purpose and the use of reasonable care and skill) which but for this legal notice might have effect in relation to our Sites.

We do our best to provide timely and correct information but given the nature of the information, it is provided without warranty of any kind.

ALL CONTENT ON OUR SITES IS FOR INFORMATIONAL PURPOSES ONLY.

IT IS NOT AND SHOULD NOT BE TREATED AS LEGAL, TAX, INVESTMENT, FINANCIAL, OR OTHER ADVICE. NOTHING CONTAINED ON OUR SITE CONSTITUTES A SOLICITATION, RECOMMENDATION, ENDORSEMENT, OR OFFER BY WISE PUBLISHING, INC. OR ANY AUTHOR, EDITOR, ADVERTISER OR OTHER PARTY TO BUY OR SELL ANY SECURITIES OR OTHER FINANCIAL INSTRUMENTS IN ANY OTHER JURISDICTION.

ALL CONTENT ON OUR SITES IS INFORMATION OF A GENERAL NATURE AND DOES NOT ADDRESS THE CIRCUMSTANCES OR NEEDS OF ANY PARTICULAR INDIVIDUAL OR ENTITY. NOR DOES ANY INFORMATION ON THE SITES CONSTITUTE A COMPREHENSIVE OR COMPLETE STATEMENT OF THE MATTERS DISCUSSED OR THE MERITS AND RISKS ASSOCIATED THEREWITH. YOU ALONE ASSUME THE SOLE RESPONSIBILITY OF EVALUATING THE MERITS AND RISKS ASSOCIATED WITH THE USE OF ANY INFORMATION OR OTHER CONTENT ON THE SITES BEFORE MAKING ANY DECISIONS BASED ON SUCH INFORMATION OR OTHER CONTENT.

IN EXCHANGE FOR USING THE SITES, YOU AGREE NOT TO HOLD WISE PUBLISHING, INC., ITS AFFILIATES OR ANY AUTHOR, EDITOR OR OTHER PARTY LIABLE FOR ANY POSSIBLE CLAIM FOR DAMAGES ARISING FROM ANY DECISION YOU MAKE AFTER READING OR LISTENING TO OUR CONTENT MADE AVAILABLE TO YOU THROUGH THE SITES.

CONTENT IS INFORMATION- IT IS NOT ADVICE OF ANY KIND.

To the extent that our Sites permit the posting of comments by third parties, including our readers and subscribers, by posting any comment you take full responsibility, liability, and blame for the content of your posts, including any claims based on libel or defamation and any litigation that results therefrom. Please see our Community Guidelines.

You are responsible for anything You post of our Site. Please see our Community Guidelines.

While We may monitor third-party comments posted on our Sites, such posts may be displayed before they are reviewed. We reserve the right to remove or edit any third-party posts or comments that are inappropriate or that violate (or may violate) Our terms of use and/or applicable law or regulation. Posted comments represent the views and opinions solely of the third-party commenter. We do not approve or endorse any comments or information posted on our Sites. We cannot guarantee the appropriateness, accuracy or usefulness of any posted comments or information, including any third-party hyperlink or embedded information. We are not the publisher of such information and is therefore not liable for any delays, inaccuracies, errors, or omissions in such Content or for any unauthorized or copyrighted materials posted by a third-party.

We are not responsible and do not endorse any third party postings.

Other than Personal Information, which is covered under the Privacy Policy, any material or articles you transmit or post ("Contributions") to a Wise Publishing, Inc. Site shall be considered non-confidential and non-proprietary.

Any Contributions you submit are considered non-confidential and non-proprietary.

You retain your rights to any Contributions you submit, post or display on or through our Site. By submitting, posting or displaying Contributions on or through our Site, you grant us a worldwide, irrevocable, perpetual, unrestricted, non-exclusive, royalty-free licence (with the right to sublicense) to use, copy, reproduce, process, adapt, modify, translate, perform, publish, transmit, create derivative works from, display, distribute (including, without limitation, making available on-line, electronically transmitting or otherwise communicating to the public) and otherwise use and exploit such Contributions in any and all media or distribution methods (now known or later developed) for any purpose (including for commercial or promotional purposes) without notice or compensation and you hereby waive all moral or author's rights in such Contributions. We shall have no obligations with respect to such Contributions.

You retain your rights, for any Contribution(s) you make but you provide us with a license to use it in anyway without compensation.

Wise Publishing, Inc. Site retains the right in its sole and unfettered discretion at all times (but will not have an obligation) to remove, modify or refuse to distribute any Contributions on our Sites, to suspend or terminate users, and to reclaim usernames without liability to you.

Wise Publishing, Inc. retains the right to modify or not use any Contributions.

Further, any use or reliance on any Contributions or materials posted via our Site or obtained by you through a Wise Publishing, Inc. Site is at your own risk. We do not endorse, support, represent or guarantee the completeness, truthfulness, accuracy, or reliability of any Contributions or communications posted via our Sites or endorse any opinions expressed via our Sites.

Any reliance on Contributions is at your own risk.

For your own safety and security, we ask you not to reveal any Personal Information about yourself or anyone else.

Please don’t include any Personal Information in Contributions.

You agree to indemnify us against any loss or damage suffered as a result of your Contributions and to hold us, our directors, officers, employees and agents and our affiliates and their directors, officers, employees and agents, harmless from any and all claims, liabilities, damages, costs and expenses, including reasonable legal fees, in any way arising from, related to or in connection with your use of our Sites, your violation of these Terms of Use or the posting or transmission of any material on or through our Sites by you, including, but not limited to, any third party claim that any information or materials you provide infringes any third party proprietary right.

You are responsible to Us for any loss or damages resulting from your Contributions.

Wise Publishing, Inc. may offer affiliate marketing programs (AMP) to Our third party advertisers which include embedded hyperlinks to our AMP advertiser’s websites or other information in articles appearing on our Sites. We earn revenues from AMP advertisers, which may include payments for including their hyperlinks in our articles and/or as a result of you clicking on those links or doing business with that third party. In such situations, any agreement you may make is with the third party. Wise Publishing, Inc. does not assume any liability on behalf of those third parties.

Any links to third party websites, including advertiser websites, on Wise Publishing, Inc. Sites are independent of Wise Publishing, Inc. and are provided solely for your convenience. If you use any links, you leave the Wise Publishing, Inc. Site at your risk. We do not control and are not responsible for such third party websites or their content or availability, nor do We adopt, refer or endorse any third party websites or content, including advertising, products or other materials, on or available through such sites or resources.

If you use a link on this Site to another website, including advertisers’ sites, that site’s terms of use and policies govern. We are not liable for anything once you are leave site.

THE INFORMATION ON THE SITE DOES NOT CONSTITUTE AN ENDORSEMENT OR REFERRAL OF ANY THIRD PARTY. WE DO NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR PROMISES ABOUT ANY LINKS PROVIDED TO THIRD PARTY WEBSITES, OR ANY MATERIAL FOUND THERE, OR ANY RESULTS THAT MAY BE OBTAINED FROM USING THEM.

INFORMATION ON THIS SITE IS NOT AN ENDORSEMENT OF ANY THIRD PARTY.

Wise Publishing, Inc. offers an enhanced Service for Subscribers. Certain Services and Content are available only to Subscribers and are provided upon acceptance of the Subscription Agreement and these Terms of Use.

There is a separate agreement for Subscribers.

Wise Publishing, Inc. takes copyright infringement very seriously. Here is the link to our Copyright Notice.

All information on the Site is subject to copyright.

Subject to the requirement that you must not use Wise Publishing, Inc. Sites for the purposes of Commercial Gain, you are permitted to print and download extracts from this Site for your own personal use or send them to a friend on the following basis:

• there is no modification in any way of our documents or related graphics;
• no graphics on our Site are used separately from accompanying text; and
• our copyright trademark notices (or our licensor's) and a permission notice appear in all copies.

You can use for your own personal use only and not for Commercial Gain.

You can print and download and share with a friend in certain limited ways. They are listed here.

For avoidance of doubt, You shall not reproduce and/or otherwise use the content in any manner for purposes of training artificial intelligence technologies to generate text, including without limitation, technologies that are capable of generating works in the same style or genre as the content, unless there is express permission to do so from Wise Publishing, Inc. You shall not sublicense others to reproduce and/or otherwise use content in any manner for purposes of training artificial intelligence technologies to generate text without specific and express permission.

You cannot use for any AI training, reproduction or licensing/sublicensing.

Any use of any extracts from Wise Publishing, Inc. Sites other than in accordance with the above for any purpose is prohibited. Subject to the above, no part of Wise Publishing, Inc. Sites may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written permission.

For reprints, e-prints, logo and accolade licensing, permissions and plaques and other products please contact our legal department at legal@wisepublishing.com

Any rights not expressly granted in this legal notice are reserved.

If you want permission to use for non-personal use, here is who you contact.

You may use our Sites only for lawful, personal and non-commercial purposes. You may download or copy the Content displayed on our Sites for your personal use only. No right, title or interest in any downloaded materials or software is transferred to you as a result of any such downloading or copying. Of course, you may encourage others to access the information themselves on a Wise Publishing, Inc. Site and tell them how to find it.

As stated above, Content is for personal use only and solely the property of Wise Publishing, Inc.

You may not use our Sites:

• in any way that breaches any applicable local, national or international law or regulations;
• in any way that is unlawful, fraudulent, or has any unlawful or fraudulent purpose or effect;
• for the purpose of harming or attempting to harm others in any way;
• to target in any way any vulnerable sectors, such as minors;
• to transmit, or procure the sending of, any unsolicited or unauthorized advertising or promotional material or any other form of similar solicitation (spam).

You may not use the Site for anything unlawful, harmful to others, targeting vulnerable sectors or sending spam.

You agree that you will not use any robot, spider, scraper or other automated means to access this Site for any purpose except with our express written permission. Additionally, you agree that you will not:

• take any action that imposes, or may impose in our sole discretion an unreasonably or disproportionately large load on our infrastructure;
• interfere or attempt to interfere with the proper working of our Sites or any activities conducted on our Sites; or
• bypass other measures we may use to prevent or restrict access to our Sites. We do not authorize you to extract or reutilize substantial parts of our Sites, or to make systematic and repeated extractions or reutilizations of insubstantial parts of our Sites.

We shall fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or locate anyone posting any material in breach of these Terms of Use.

You will not access the site by automated means without permission.

You will not interfere with the operation of our Site in any way.

We will determine, in our sole discretion, whether there has been a breach of these Terms of Use through your use of our Sites.

Failure to comply with these Terms of Use constitutes a material breach, and may result in our taking all or any of the following actions:

• immediately, temporary or permanent withdrawal of your right to use our Sites;
• immediately, temporary or permanent removal of any Contributions made by you to our Sites; issue of a warning to you;
• requiring you to immediately destroy any downloaded or printed extracts from our Sites.
• legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach;
• further legal action against you;
• disclosure of such information to such law enforcement authorities as we reasonably feel is necessary.

We exclude liability for actions taken in response to breaches of these Terms of Use. The responses described in these Terms of Use are not limited, and we may take any other action we reasonably deem appropriate.

If you violate these Terms of Use, we may take the actions outlined here.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE AND OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, AFFILIATES AND LICENSORS AND ANY PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING OUR SITES OR ANY ASPECT THEREOF WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, LOSS OF PROFITS, DATA, USE, GOOD-WILL, OR OTHER INTANGIBLE LOSSES, IN CONNECTION WITH OUR SITES IN ANY WAY OR IN CONNECTION WITH THE USE, INABILITY TO USE OR THE RESULTS OF USE OF OUR SITES, ANY WEBSITES LINKED TO OUR SITES OR THE MATERIAL ON SUCH WEBSITES INCLUDING BUT NOT LIMITED TO LOSS OR DAMAGE DUE TO VIRUSES THAT MAY INFECT YOUR COMPUTER EQUIPMENT, SOFTWARE, DATA OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR BROWSING OUR SITES OR YOUR DOWNLOADING OF ANY MATERIAL FROM OUR SITES OR ANY WEBSITES LINKED TO OUR SITES. IF YOUR USE OF MATERIAL ON OUR SITES RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT, SOFTWARE OR DATA, YOU ASSUME ALL COSTS THEREOF. YOU ALSO AGREE THAT ACCESS TO AND USE OF OUR SITES AND THE CONTENT THEREIN IS AT YOUR SOLE RISK.

YOU ACKNOWLEDGE THAT WISE PUBLISHING, INC IS NOT AN INVESTMENT ADVISOR, FINANCIAL CONSULTANT, BROKER-DEALER, OR EXCHANGE AND THAT THE CONTENT DOES NOT PROVIDE LEGAL, TAX, INVESTMENT, FINANCIAL, OR OTHER ADVICE AND FURTHER THAT NOTHING ON THE SITE CONSITUTES A SOLICITATION, RECOMMENDATION, ENDORSEMENT, OR OFFER BY WISE PUBLISHING, INC.

AS A CONDITION OF USE OF OUR SITES, YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS WISE PUBLISIHING, INC. AND ITS LICENSORS, EACH OF OUR AND THEIR AFFILIATED COMPANIES, PARTNERS, SUPPLIERS, LICENSORS, OFFICERS, DIRECTORS, SHAREHOLDERS, MEMBERS, EMPLOYEES, REPRESENTATIVES, CONTRACTORS AND AGENTS, FROM ANY AND ALL AND DAMAGES ARISING FROM OR RELATING TO ANY ALLEGATION REGARDING YOUR USE OF THIS SITE AND / OR ANY VIOLATION OF THESE TERMS BY YOU. YOUR SOLE REMEDEY IS TO DISNOTINUE USE OF THE SITES.

We are not liable to you or any third party for any loss whatsoever.

This legal notice and any dispute or claim arising out of or in connection with it or its subject matter will be governed by and construed in accordance with the laws of the province of Ontario and the laws of Canada applicable therein, without giving effect to their conflict of laws principles.

These Terms of Use are governed by the Law of Ontario and of Canada.

The parties irrevocably submit to the jurisdiction of the courts of Ontario, or Canada, as the case may be, for any dispute or claim that arises out of or in connection with this legal notice or its subject matter.

Any dispute shall be brought in the courts of Ontario or Canada.

We may modify, discontinue or terminate these Terms of Use (in part or in whole) and deny you access to any or all of your use of a Wise Publishing, Inc. Site (or any portion thereof) at any time, immediately and without notice, if in our sole discretion, you fail to comply with any term or condition in these Terms of Use.

We may restrict use and access of the Site in whole or in part if we determine any failure to comply with these Terms.

To contact Wise Publishing, Inc. in connection with these Terms of Use or the Wise Publishing, Inc. Sites, please send an email to hello@wisepublishing.com or write to 40 Eglinton Avenue East, Suite 203, Toronto, Ontario, M4P 3A2.

Our contact information.