Terms of Use
Last updated: July 4, 2026
These Terms of Use ("Terms") govern your access to and use of candpfinancial.com, the WhatIf app, and any related services (together, the "Services") operated by C&P Financial ("we," "us," or "our"). By accessing or using the Services, you agree to these Terms.
Eligibility
The Services are intended for residents of Ontario, Canada who are at least 18 years old. By using the Services, you confirm that you meet these requirements.
Description of Services
C&P Financial provides financial education content, the Money Made Clear ebook (Book 1), the WhatIf financial simulation app, The Brief newsletter, and access to licensed insurance and financial products. Educational content is provided for general informational purposes only and is not personalized financial, legal, tax, or investment advice.
Purchases
The Money Made Clear ebook (Book 1) is a one-time digital purchase, processed and delivered through beehiiv. Digital products are generally non-refundable once access has been granted, except where required by law.
Not Financial, Legal, or Tax Advice
Nothing on this site, in the book, in The Brief, or in the WhatIf app constitutes personalized financial, legal, tax, or investment advice. Content is educational and general in nature. For advice specific to your situation, please consult a licensed advisor, or book a consultation through our site.
WhatIf App
The WhatIf app is a simulation tool intended to help you explore hypothetical financial scenarios. Results are estimates based on the information you enter and general assumptions; they are not guarantees of future outcomes and should not be relied upon as the sole basis for any financial decision.
Insurance Products
Insurance products referenced on this site are offered subject to underwriting, eligibility, and the terms of the applicable insurance policy. Nothing on this site is an offer of insurance or a guarantee of coverage or approval.
Intellectual Property
All content on the Services, including text, graphics, logos, and the Money Made Clear ebook, is owned by or licensed to C&P Financial and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our written permission.
Prohibited Conduct
You agree not to misuse the Services, including by attempting to gain unauthorized access to any account or system, interfering with the normal operation of the Services, or using the Services for any unlawful purpose.
Third-Party Links
Our Services may contain links to third-party websites or tools that we do not control. We are not responsible for the content, accuracy, or practices of any third-party site.
Disclaimer of Warranties
The Services are provided "as is" and "as available" without warranties of any kind, whether express or implied. We do not guarantee that the Services will be uninterrupted, error-free, or that any financial outcome described or simulated will be achieved.
Limitation of Liability
To the maximum extent permitted by law, C&P Financial and its owners, employees, and affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Services, including any financial decisions made based on content provided through the Services.
Termination
We may suspend or terminate your access to the Services at any time, with or without notice, if we believe you have violated these Terms.
Governing Law
These Terms are governed by the laws of the Province of Ontario and the applicable federal laws of Canada.
Changes to These Terms
We may update these Terms from time to time. Changes will be posted on this page with a revised "last updated" date. Continued use of the Services after changes are posted constitutes acceptance of the updated Terms.
Contact Us
If you have questions about these Terms, please contact us at info@candpfinancial.com.