Website Terms and Conditions.

1. Acceptance of These Terms

By accessing or using this website, you agree to these Terms of Use. If you do not agree with these terms, do not use this website or submit information through it.

These terms may be updated from time to time. Continued use of the website after updates are posted means you accept the revised terms.

2. Educational Information Only

The content on this website is provided for general educational and informational purposes only. It is intended to help incorporated professionals understand concepts related to retained earnings, passive investment income, Small Business Deduction exposure, corporate liquidity planning, and corporate-owned insurance structures.

Website content is not a recommendation to purchase, replace, cancel, borrow against, or restructure any insurance, investment, tax, legal, or financial product.

3. No Tax, Legal, Accounting, Investment, or Insurance Advice

Nothing on this website constitutes tax, legal, accounting, investment, financial planning, or insurance advice. You should not rely on this website as a substitute for advice from qualified professionals who understand your corporation’s specific facts.

Corporate tax outcomes depend on many factors, including income composition, associated corporation rules, taxable capital, provincial treatment, shareholder objectives, timing, available deductions, policy design, and future legislative changes.

Before implementing any corporate-owned insurance or liquidity planning strategy, you should consult appropriate advisors, including a CPA, tax advisor, lawyer, licensed insurance advisor, or other qualified professional as applicable.

4. Corporate Liquidity Review Process

The Corporate Liquidity Review is a preliminary analysis process designed to evaluate whether retained earnings, passive-income exposure, liquidity needs, shareholder planning objectives, and insurance suitability may justify further modelling or implementation.

Submitting a form, booking a meeting, or participating in an initial review does not guarantee that any strategy will be recommended, available, approved, or implemented.

We may decline, defer, or discontinue a review where the facts suggest that the strategy is unsuitable, incomplete information has been provided, required documentation is unavailable, or the engagement falls outside the intended scope of the review.

5. Suitability, Underwriting, and Implementation

Corporate-owned insurance strategies are not suitable for every corporation or shareholder. Suitability depends on several factors, including corporate cash flow, retained earnings, time horizon, liquidity needs, insurability, shareholder objectives, tax considerations, funding ability, and risk tolerance.

Any insurance implementation is subject to insurer review, underwriting approval, policy terms, premium funding requirements, product availability, and applicable regulatory obligations.

No statement on this website should be interpreted as a guarantee that a policy will be issued, that a collateral loan will be available, that a tax result will be achieved, or that a strategy will remain suitable in the future.

6. Advisory Team and Third-Party Professionals

The Corporate Liquidity Review may involve a team-based process combining analysis, suitability review, implementation support, licensed insurance advisory services, underwriting coordination, and administrative support.

Where appropriate, you may be asked to involve your CPA, tax advisor, lawyer, or other professional advisors before implementation. We do not replace the role of your independent tax, legal, accounting, or investment professionals.

Some services, products, underwriting, or implementation steps may be provided by third-party professionals, insurance carriers, managing general agencies, technology providers, or administrative service providers.

7. Compensation Disclosure

There is no upfront consulting fee for the Corporate Liquidity Review unless otherwise stated in writing.

If a suitable insurance strategy is implemented, compensation may be paid by the insurer through first-year commissions, renewal commissions, service compensation, or other compensation arrangements permitted by applicable rules and carrier practices.

Compensation arrangements may vary depending on the insurer, product, policy size, premium structure, implementation pathway, and ongoing service requirements.

8. Information You Submit

You are responsible for ensuring that information you submit through this website, booking process, email, questionnaires, or consultation discussions is accurate, complete, and not misleading.

We may rely on information you provide when preparing for a review or determining whether further analysis is appropriate. Incomplete or inaccurate information may affect the usefulness of any discussion or analysis.

Personal information submitted through this website is handled in accordance with the Privacy Policy.

9. Intellectual Property

All website content, including text, layout, design elements, branding, graphics, frameworks, explanations, and page structure, is owned by or licensed to Calvin C S Wong Corporate unless otherwise stated.

You may view, print, or save website content for personal or internal business reference. You may not copy, reproduce, republish, modify, distribute, sell, or use website content for commercial purposes without written permission.

10. Third-Party Links and References

This website may include links to third-party websites, including government resources, booking platforms, professional resources, insurer materials, or other reference sources.

Third-party links are provided for convenience only. We do not control third-party websites and are not responsible for their content, privacy practices, accuracy, availability, or security.

11. No Guarantees

We do not guarantee any tax result, investment result, insurance approval, policy performance, loan approval, collateral lending availability, reduction in tax exposure, or suitability outcome.

Any illustrations, examples, calculations, projections, or planning discussions are hypothetical unless specifically prepared for your corporation using verified information and reviewed by appropriate professionals.

12. Limitation of Liability

To the maximum extent permitted by law, Calvin C S Wong Corporate Liquidity Planning, its advisory team, implementation partners, service providers, and related parties are not liable for losses arising from your use of this website, reliance on website content, inability to access the website, third-party links, or information submitted through the website.

This limitation applies to direct, indirect, incidental, consequential, special, punitive, economic, or business losses, including lost profits, lost opportunities, tax consequences, data loss, or implementation decisions made without appropriate professional advice.

13. Indemnity

You agree to indemnify and hold harmless Calvin C S Wong Corporate Liquidity Planning, its advisory team, implementation partners, service providers, and related parties from claims, losses, liabilities, damages, costs, or expenses arising from your use of this website, breach of these terms, or submission of inaccurate, incomplete, or misleading information.

14. Governing Law

These Terms of Use are governed by the laws of British Columbia and the applicable federal laws of Canada, unless another jurisdiction is required by applicable law.

Any dispute related to this website or these terms will be handled in the courts or tribunals with appropriate jurisdiction, subject to applicable law.

15. Contact

For questions about these Terms of Use, contact: