Terms of Use
The terms that apply when you use respguru.com. By using this website, you agree to them.
1. Agreement to these terms
respguru.com (“the site”) is operated by Harpreet Singh (“RESP Guru,” “we,” “us”), based in Ontario, Canada. By accessing or using the site, you agree to these Terms of Use and our Privacy Policy. If you do not agree, please do not use the site.
2. Educational information only — not advice
All content on the site — including articles, the grant estimator, and any figures or examples — is provided for general educational and informational purposes only. It is not financial, investment, insurance, or tax advice, and it does not take your personal circumstances into account. You should not act on it without seeking advice tailored to your own situation from a qualified professional.
3. No advisor–client relationship
Using the site, reading its content, or submitting the contact form does not by itself create an advisor–client relationship. Any personalized advice or product recommendation is provided only through a separate, direct advisory engagement, subject to the applicable licensing, regulatory, and disclosure requirements.
4. Our content and intellectual property
The content, design, branding, and materials on the site are owned by or licensed to RESP Guru and are protected by applicable intellectual-property laws. You may view and share the content for personal, non-commercial use, but you may not copy, reproduce, republish, or use it commercially without our permission.
5. Accuracy and no warranties
We work to keep the information accurate and current, and grant figures reflect published Government of Canada amounts (per Canada.ca). However, RESP rules and grant amounts can change, and the site may contain errors or omissions. The site is provided “as is” and “as available,” without warranties of any kind, express or implied, including as to accuracy, completeness, or fitness for a particular purpose.
6. Third-party links
The site may link to third-party websites (such as Canada.ca) for convenience. We do not control and are not responsible for the content, accuracy, or practices of those sites.
7. Limitation of liability
To the fullest extent permitted by law, RESP Guru will not be liable for any loss or damage arising from your use of — or reliance on — the site or its content, including any decisions you make based on the information provided. Your use of the site is at your own risk.
8. Governing law
These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there. Any disputes will be subject to the courts of Ontario.
9. Changes to these terms
We may update these terms from time to time. The “Last updated” date above shows when they were last revised. Continued use of the site after changes means you accept the updated terms.