Terms of use
Effective October 19, 2026. By using derekcondon.ca, you agree to these terms. If you don't agree, please don't use the site.
Educational information, not advice
Everything on this site, including articles, videos, the course and the calculators, is for general educational purposes only. It is not personalized financial, investment, tax, legal or insurance advice, and it doesn't create a client relationship. Always consider your own circumstances and speak with a qualified professional before making financial decisions.
Calculators and estimates
The calculators give estimates based on the information you enter, simplified assumptions, and published rules at the time they were built. Results are illustrations, not guarantees or offers. Actual mortgage approvals, returns and outcomes depend on many factors, including your lender, your full financial picture, markets, fees and taxes. Rules and rates change, and the calculators may not reflect the latest changes.
No guarantee of accuracy
We work to keep the content accurate and current, but we don't guarantee that it is complete, error-free or up to date. The site is provided "as is" and "as available," and we may change or remove any part of it at any time.
Limitation of liability
To the extent permitted by law, Derek Condon, CFP® is not liable for any loss or damage arising from your use of, or reliance on, this site or its content, including the calculators.
Intellectual property
The site's content, design, logo, text, graphics and code are owned by Derek Condon, CFP® unless otherwise noted. You may view and share the content for personal, non-commercial use, with credit and a link back. You may not copy, republish or sell it without written permission. The financial wellbeing questions come from the Financial Well-Being Scale developed by the Consumer Financial Protection Bureau.
Acceptable use
Please don't use the site in a way that is unlawful, interferes with its operation, attempts to access systems without permission, or scrapes content in bulk.
Links to other websites
The site links to other websites, such as YouTube and LinkedIn, for your convenience. We don't control those sites and aren't responsible for their content or practices.
Privacy
Our privacy policy explains how information is handled and forms part of these terms.
Governing law
These terms are governed by the laws of the Province of Manitoba and the federal laws of Canada that apply there. Any dispute will be handled by the courts of Manitoba.
Changes and contact
We may update these terms at any time, and the effective date above will change when we do. Questions? Email [email protected].