Terms & Conditions

Last updated: October 2026

Estimates, not guarantees

Any grant figures or estimates shown on our website are estimates only, calculated from the information you provide and current publicly available program rules. They are not a guarantee of eligibility, grant amounts, or benefits. Actual Canada Education Savings Grant (CESG), Canada Learning Bond (CLB), and related amounts are determined by the Government of Canada and your RESP provider based on your individual circumstances.

General information, not advice

Content on this site — including quiz results, articles, and emails — is general educational information. It is not personalized financial, tax, or legal advice. Before making decisions about RESPs, contributions, or withdrawals, consider consulting a licensed financial professional about your situation.

Program rules change

Government programs, grant rates, income thresholds, and deadlines can change. We aim to keep information current but make no warranty that it is complete or up to date at the time you read it.

Consultations

Booking a call does not create a client relationship. Any advice or recommendations are provided only after a proper review of your circumstances and the applicable compliance requirements.

Acceptable use

You agree to provide accurate information and not to misuse this site, attempt to disrupt it, or submit someone else's personal information without their consent.

Limitation of liability

To the maximum extent permitted by law, Ranjit Plaha is not liable for any loss or damage arising from your use of this site or reliance on its estimates and content.

Governing law

These terms are governed by the laws of the Province of Ontario and the laws of Canada applicable there.

Contact

Questions about these terms? Contact Ranjit Plaha, Licensed Insurance & Financial Advisor, Ontario, by replying to any of our emails.

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