Last updated: September 22, 2026

These Terms of Use govern your use of opti-val.ca and any information, resources or digital products made available through the website. By using the website, you agree to these terms.

General information only

Website content is provided for general informational and educational purposes. It is not accounting, tax, legal, investment, employment, immigration or other professional advice and should not be relied on as a substitute for advice tailored to your circumstances.

Professional engagements

No professional-client relationship is created by visiting the website, using a calculator, downloading a resource, submitting a form or exchanging preliminary communications. An engagement begins only when OptiVal Advisory and the client enter into a written engagement agreement. The scope, responsibilities, fees and limitations in that agreement will govern the engagement.

Accuracy and availability

We aim to provide useful and current information but do not warrant that website content is complete, accurate, error-free or continuously available. Tax rules, government programs, deadlines and other information can change. Verify important information with official sources and qualified advisers before acting.

Calculators, estimates and funding information

Any calculator result, eligibility screen, estimate or program match is preliminary and does not guarantee eligibility, funding, tax savings or any other outcome. Final decisions are made by the relevant authority, lender or program administrator.

Intellectual property

The website, its branding, text, graphics, calculators, templates and other content are owned by or licensed to OptiVal Advisory and are protected by applicable intellectual-property laws. You may use purchased or freely provided resources only under the licence stated on the applicable product page or accompanying file. You may not resell, redistribute, publish, sublicense or commercially exploit them without written permission.

Acceptable use

You must not misuse the website, attempt unauthorized access, introduce malicious code, interfere with security or operation, scrape the website at unreasonable scale, impersonate another person, or use the website for unlawful purposes.

Third-party services and links

The website may link to or rely on third-party services. We do not control and are not responsible for their content, availability, security, terms or privacy practices.

Limitation of liability

To the maximum extent permitted by law, OptiVal Advisory and its personnel will not be liable for indirect, incidental, special, consequential or punitive damages, loss of profits, data or opportunity, or decisions made in reliance on website content. Nothing in these terms excludes liability that cannot legally be excluded.

Indemnity

You agree to be responsible for losses reasonably arising from your unlawful misuse of the website or violation of these terms.

Governing law

These terms are governed by the laws of Ontario and the federal laws of Canada applicable in Ontario. Courts located in Ontario will have jurisdiction, subject to any mandatory rights that apply to you.

Changes and contact

We may update these terms by posting a revised version with a new date. Questions may be sent to info@opti-val.ca.

These operational terms should be reviewed periodically and do not replace advice from qualified legal counsel.