Legal policy

Terms and conditions

Please read the terms and conditions of this agreement (“Agreement”) carefully. By accessing the Knowledge First website, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access the Knowledge First website and any web pages thereof. In this Agreement, “you” and “your” refer to persons who access the Knowledge First website and web pages (“web pages”). “We”, “us” and “our” refer to Knowledge First. Knowledge First Foundation, together with its affiliates and subsidiaries shall be referred to herein as “Knowledge First”.

By accessing and using our web pages, you agree to the following terms and conditions:

You represent and warrant that you are of sufficient legal age to use our web pages and to create binding legal obligations for any liability you may incur as a result of or in connection to such use. Products and services advertised on our web pages are subject to the applicable agreements governing them. Further, these products and services are only available in those provinces and territories in Canada in which they may legally be offered. Our web pages do not constitute an offer or solicitation by Knowledge First in any jurisdiction where such a solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation. The disclaimers, terms and conditions, and limitations in this section of our web pages are of general application and shall be read to be supplementary to any other disclaimer, term and condition, and limitation in any other section of this website. The headings in this section and this website are only for general reference purposes.

Additional terms and conditions may apply to the products and services offered by or on our websites and additional terms and conditions may be located on and apply to specific websites of ours. You agree to abide by such other terms and conditions. All terms and conditions shall be deemed severable. In the event that any provision is determined to be unenforceable or invalid, such provision shall nevertheless be enforced to the fullest extent permitted by applicable law, and such determination shall not affect the validity and enforceability of any other remaining provisions. Knowledge First will not be deemed to have waived the exercise of any right(s) hereunder unless such waiver is made in writing.

The contents of this site are not intended to provide specific financial, accounting, tax, legal or real estate advice. Descriptions of the products and services offered by Knowledge First and its affiliates are for information purposes only and do not constitute an offer to buy or sell such products or services. You should not act or rely on the information within the website without first consulting with Knowledge First representative or a member of our Customer Care team, who can determine whether it applies to your specific situation.

Knowledge First will use reasonable efforts to maintain accurate and up-to-date information within this website, but makes no warranties or representations of any kind, including as to its accuracy or completeness. Knowledge First shall not be held liable for damages of any kind arising out of your inability to access, or your subsequent use of the content or information within this website, This site may include technical inaccuracies or typographical errors and is subject to change at any time without notice.

Trademarks, copyrights, other rights

You should assume everything on our web pages is protected by and subject to applicable copyright, trademark and patent or other intellectual property right unless otherwise noted and may not be used except with the express written consent of Knowledge First. Certain names, products, technology, service, logos, graphics, designs, words, phrases or the like may constitute trade names, trademarks or service marks (collectively “Trademarks”) owned by Knowledge First, including its subsidiaries, affiliates or other entities. Any such right that is not expressly licensed herein is reserved by Knowledge First. Images of people or places displayed on our web pages are either the property of or used with permission by Knowledge First. Use of these images by you or other third parties is prohibited unless expressly permitted by Knowledge First. The display of Trademarks on our web pages does not imply that a license of any kind has been granted to anyone else.

Any unauthorized use, including but not limited to, downloading, modification, retransmission, redistribution, sale, storage in any medium or other copying of these images or the Trademark may violate copyright laws, trademark laws, privacy laws, moral rights and other applicable regulations and statutes of Canada and other countries and is expressly prohibited. Knowledge First, its affiliates and subsidiaries, neither warrants nor represents that your use of the material displayed on our web pages will not infringe rights of third parties.

Nothing contained on our web pages should be construed as granting by implication, estoppel or otherwise, any license or right to use any Trademarks displayed on this site without the written permission of Knowledge First or such third party that may own the Trademarks. Misuse of any of the Trademarks, or any other content, displayed on our web pages is expressly prohibited. No content from our web pages may be posted to newsgroups, electronic bulletin boards, mail lists or incorporated into any other site without the express written consent of Knowledge First.

Please contact us for permission if you want to use Knowledge First Financial’s name or product names on your website.

Accuracy and changes

Contents of this website are believed to be current, accurate and complete as of the date placed on our website and web pages. Knowledge First reserves the right to change the contents of this website, including the privacy and legal terms, at any time without prior notice or consent. Any changes become effective immediately and may be made without updating our web pages. Please consult Knowledge First for complete and up-to-date information on the products and services listed in our web pages.

No endorsements

Reference to third parties’ goods, services, information or opinions on our web pages are not specifically endorsements or approvals for all parties. Links from or to sites outside our web pages are meant for convenience only.

By clicking on a third-party link, you will leave Knowledge First website and will be redirected to a website that is not operated by Knowledge First (“Third-Party Site”). Knowledge First, is not responsible for the content or availability of the Third-Party Site. Be aware that the security and privacy policies on the Third-Party Site may be different from Knowledge First security and privacy policies, so please read Third-Party Site privacy and security policies closely.

No liability

Knowledge First is not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with the use of or inability to use our web pages. Knowledge First is not responsible or liable for any loss or damages that result from personal or confidential material sent to Knowledge First, or if Knowledge First sends such information at your request, or any action or decision made by you in reliance on this website, including, but not limited to, its contents, any unauthorized use or reproduction of this website, even if Knowledge First has been advised of the possibility of these damages. Please be advised that linking to any other web site is at your sole risk and Knowledge First will not be responsible or liable for any damages in connection with linking.

Internet email

Email communication over the Internet is not secure or confidential and is subject to possible interception, alteration or loss. Knowledge First cannot assume any responsibility or liability for anyone else for any damages in connection with any email sent by you to Knowledge First or any email sent by Knowledge First to you at your request.

By providing your email address, you authorize us to send you email confirmations related to payments on your account, contact you about your account or for general account servicing and/or collection purposes, and to send you information about products and services you might find useful. Please note that providing your email address is entirely voluntary.


The web pages on this website as they relate to any and all information regarding products and services offered by Knowledge First are administered by Knowledge First Canada, Inc. from its offices in Canada. These web pages will be governed by and construed in accordance with the laws of the province of Ontario and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws. All disputes, actions, controversies or claims arising out of or in connection with these web pages shall be governed by and will be submitted to the exclusive jurisdiction of the courts of the province of Ontario. You attorn to the exclusive jurisdiction of these courts.