Welcome to www.calvincswong.com (the “Site”), operated by Calvin C. S. Wong (“we,” “us,” or “our”). By accessing or using this Site, you agree to comply with and be bound by these Terms of Service (“Terms”). Please read them carefully before using the Site.

If you do not agree with these Terms, please discontinue use of the Site immediately.

1. Purpose of This Site

This Site is for informational and educational purposes only. It provides general insights on financial planning, insurance, and wealth strategies.
Nothing on this Site constitutes financial, legal, tax, or investment advice.
Any examples, case studies, or testimonials are for illustration only and do not guarantee future results.

2. Eligibility

You must be at least 18 years old to use this Site. By using the Site, you confirm that you have the legal capacity to enter into this agreement.

3. Use of Content

All content—including text, graphics, images, videos, and downloads—is the property of Calvin C. S. Wong unless otherwise stated.

You may:

• View and share public pages for personal, non-commercial purposes.

You may not:

• Copy, reproduce, distribute, or modify any material from the Site without prior written consent.

• Use any content for misleading or unlawful purposes.

4. Accuracy of Information

We strive to keep information accurate and up-to-date but make no warranties or guarantees regarding its completeness, accuracy, or reliability. You are responsible for verifying any information before relying on it.

5. Third-Party Links

This Site may contain links to third-party websites or resources. These links are provided for convenience only.
We are not responsible for and do not endorse any content, products, or services offered on third-party sites.

6. No Client-Advisor Relationship

Accessing or using this Site does not create a client-advisor relationship between you and Calvin C. S. Wong.
Formal advisory relationships are established only after a written agreement and necessary disclosures are signed.

7. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any damages arising from your use or inability to use the Site—including, but not limited to, loss of data, profits, or business opportunities.

8. Indemnification

You agree to indemnify and hold harmless Calvin C. S. Wong and affiliates from any claims, damages, or expenses (including legal fees) resulting from your use of the Site or violation of these Terms.

9. Privacy

Your use of this Site is also governed by our Privacy Policy.
By using the Site, you consent to the collection and use of your data as described in that policy.

10. Modifications

We reserve the right to modify, suspend, or discontinue any part of this Site or these Terms at any time without notice.
Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

11. Governing Law

These Terms are governed by and interpreted in accordance with the laws of the Province of British Columbia, Canada, without regard to its conflict of laws principles.

12. Contact

For any questions or concerns regarding these Terms, please contact:

Calvin C. S. Wong at calvincswong@gmail.com