Disclaimer
MapleStep Academy provides educational content about saving, budgeting, and investing basics. This page explains what the course is and is not. If you are making decisions about your finances, taxes, or legal obligations in Canada, confirm details with a licensed professional in your province or territory.
1) Educational content only
All lessons, worksheets, examples, calculators, and written materials on this website are provided for general educational purposes. They are designed to help beginners understand concepts such as budgeting, emergency funds, risk and return, diversification, compound growth, and time horizon.
The course does not take into account your individual circumstances, including your income, debt, assets, goals, benefits, insurance coverage, tax situation, employment status, residency, or provincial rules.
2) Not financial, investment, tax, or legal advice
MapleStep Academy is not an investment dealer, advisor, or brokerage, and we do not provide personalized financial advice, investment advice, tax advice, or legal advice. Any references to Canadian account types such as TFSA, RRSP, RESP, and taxable accounts are high level and educational.
If you need advice that considers your personal situation, you should consult a qualified, licensed professional, such as a financial advisor, a securities registrant, a chartered professional accountant, or a lawyer, as appropriate for your needs.
3) No recommendations of specific securities
We do not recommend, endorse, or rate specific securities, ETFs, mutual funds, stocks, bonds, cryptocurrencies, or other financial products. When we discuss index funds or ETFs, the discussion is conceptual and intended to help you understand broad diversification, costs, and basic terminology.
Any sample numbers are hypothetical, simplified, and used to explain how calculations work. They should not be interpreted as guidance to buy, sell, or hold any particular investment.
4) No guarantees; outcomes are uncertain
Investing involves risk, including the risk of loss. Returns vary and can be negative, especially over short periods. Past performance (where mentioned in general terms) does not predict future results.
We do not guarantee any specific outcome, rate of return, financial result, or improvement in your finances. The calculators on this website provide illustrations based on user inputs and simplified assumptions.
5) Tax and legal information may change
Canadian tax rules, contribution limits, eligibility requirements, and program details can change over time. Additionally, your obligations may differ depending on your province or territory, residency status, and personal circumstances.
Before acting on information related to taxes, account eligibility, withdrawals, or reporting, verify current information with official government sources and/or a licensed professional.
6) Use at your own risk
Your use of this website, the course materials, and any tools or calculators is at your own risk. You are responsible for your financial decisions and for verifying whether a strategy or action is appropriate for your situation.
To the maximum extent permitted by applicable Canadian law, MapleStep Academy disclaims liability for losses or damages arising from reliance on the educational content.
7) Contact for course access and billing
If you have questions about course access, billing, receipts, or accessibility needs, please contact Toronto-based support. We can clarify what is included, help with login issues, and explain how worksheets and tools are used.