Legal
Terms of use
These terms cover the website and, where we say so, the analysis work that starts after a written engagement letter. They are the 2026 terms. If a letter and this page disagree, the letter wins for that engagement.
The website
This site is published by Smartfinanceinsights, 1489 Hollis Street, Suite 402, Halifax, Nova Scotia B3J 3M5. It describes the practice and lets you send an enquiry. It is not an offer to the public at large, and it is not advice you should act on without an engagement. Figures in the field notes and the illustrative reads are teaching examples. They are not the books of a named client.
You may read the pages, print a copy for your own use, and write to us through the form. You may not copy the site in bulk, scrape it, or present the pages as your own. The wordmark Smartfinanceinsights and the sounding-arc mark are used only by the practice. If a page is wrong, write to [email protected] and we will correct it.
Enquiries and the first conversation
Sending the form does not start an engagement. It asks us to reply. We aim to reply the same business day. The thirty-minute first conversation is at no charge and does not create a duty to take the work. If we send a first-read proposal and you accept it in writing, that acceptance is the start of a defined piece of work at the fee named in the proposal.
You are responsible for the accuracy of what you type. Do not send passwords, full card numbers, or health records through the form. Ledger access, when it comes, is arranged after the letter is signed, on a view-only basis.
Engagements
Analysis work is performed under a short written letter. The letter names the fee, the dates, the files we need, and the person at the practice who will be your point of contact. Fees on the practice page are a guide. The letter is the price. We invoice monthly. Amounts are in Canadian dollars. Payment is due on the terms printed on the invoice, usually fifteen days.
Either side may end an engagement on thirty days’ written notice. There is no lock-in year and no cancellation fee beyond work already delivered. When work ends we hand over files in open formats, review ledger access, and retain working papers for seven years as described in the privacy notice.
The work is management information prepared from records you supply. It is written for the people who run the company. It is not an audit, a review, a compilation, or any other assurance engagement. We do not issue an opinion on financial statements. We do not file tax returns. We do not sign statements, and we do not permit the name Smartfinanceinsights to appear on a page that could be read as if we had prepared statements for an outside reader. If you need assurance or a filing, that work belongs with a licensed public accountant.
Your responsibilities
You remain responsible for your books, for decisions you take, and for what you send to a lender, a board or a buyer. We will say when a figure is a range. Acting on a range is still your act. You will give us view-only access, answer reasonable questions on a business day, and tell us when a facility, a lease or a related-party balance changes the picture.
If a third party relies on a pack, they do so at their own risk unless we have agreed in writing to address that party. We do not accept a duty to a lender or a buyer merely because a client forwarded a PDF.
Limitation and governing law
To the extent permitted by the law of Nova Scotia, our liability for an engagement is limited to the fees paid for that engagement in the twelve months before the claim. We are not liable for indirect or consequential loss, or for a decision taken on a pack after you have changed the underlying records without telling us. Nothing in these terms limits liability that cannot be limited under applicable law, including liability for fraud.
These terms, and any engagement they sit beside, are governed by the laws of the Province of Nova Scotia and the federal laws of Canada that apply there. The courts of Nova Scotia have exclusive jurisdiction. If a part of these terms is held unenforceable, the rest remains. We may update this page for future use of the website. An engagement already in force keeps the letter you signed. Last updated 2026.