Disclaimer

We are not any of the following:

• A licensed financial advisor or financial planner
• A registered investment advisor or portfolio manager
• A Chartered Professional Accountant (CPA) or tax professional
• A lawyer or legal professional of any kind
• A bank, insurance company, brokerage, or any other regulated financial services provider

We do not hold any financial services licences issued by FINTRAC, OSFI, any provincial securities commission, or any other Canadian or international regulatory body.

Any content that discusses money, budgeting, saving, investing, taxes, credit, debt, or any other financial topic is shared purely to help readers build general financial literacy — it is not a substitute for personalised professional advice.

Raising A ‘Coon is a financial education website. Our mission is to help families build foundational money skills and confidence across all ages — from teaching young children about earning and saving, to helping young adults understand their first paycheque.

Our products and content are:

• General in nature — designed to apply broadly to a wide audience, not to any specific individual’s financial circumstances
• Based on commonly accepted personal finance principles — grounded in widely used Canadian financial literacy frameworks and best practices
• Starting points for learning and conversation — not prescriptions for financial action
• Designed for families — our primary audience is parents, caregivers, and young adults building foundational knowledge

Our worksheets, eBooks, and guides are tools to help you learn and practise money habits — they are not financial plans, investment strategies, or tax guidance tailored to your situation.

Your use of this Website, purchase of our products, subscription to our newsletter, or any other interaction with us does not create a professional relationship of any kind between you and Raising A ‘Coon or its operator.

Specifically, no use of this Website creates:

• A financial advisor–client relationship
• An investment advisor–client relationship
• An accountant–client relationship
• A lawyer–client relationship
• Any other professional advisory relationship

This Website and our products cover a wide range of personal finance topics for educational purposes. All of the following topics are covered in a general, educational context only and do not constitute advice:

Rules, limits, rates, and regulations for all of these topics change regularly. Always verify specific figures — such as TFSA contribution limits, RRSP deduction limits, and tax brackets — with the Canada Revenue Agency (CRA) or a qualified professional before acting on them.

We participate in the following affiliate programs: Amazon Associates, ShareASale, Commission Junction (CJ), Impact, and potentially others. When you click an affiliate link, a tracking cookie may be placed on your device so the affiliate network can attribute any qualifying purchase to us.

This does not affect our editorial integrity. We only recommend products, tools, books, and services we genuinely believe will benefit our readers. Affiliate relationships do not influence which products we review, how we review them, or what we recommend. Our opinions are our own.

Affiliate links on our Website are disclosed on the relevant page or post in accordance with the Competition Bureau of Canada’s guidelines, the US FTC’s Endorsement Guides, and the UK ASA’s CAP Code.

The fact that a product is linked with an affiliate link does not mean we endorse it as suitable for your specific financial situation. Always do your own research and consult a professional before purchasing any financial product or service.

This Website displays third-party advertisements served by networks including Google AdSense, Mediavine, Raptive (AdThrive), and potentially other ad networks. These advertisements help fund the free educational content we produce.

• Advertisements are clearly identified as such on this Website
• We do not control the specific content of advertisements displayed — this is determined by the ad network based on your browsing behaviour and other factors
• The display of an advertisement on this Website does not constitute an endorsement of the advertised product, service, company, or financial product by Raising A ‘Coon
• We are not responsible for the accuracy, completeness, or claims made in any third-party advertisement
• Any financial products advertised on this Website should be independently researched and evaluated before purchase

If you see an advertisement for a financial product, investment, or service on this Website, please conduct your own due diligence and consult a licensed professional before acting on it.

We make every reasonable effort to ensure the information published on this Website and in our products is accurate and up to date at the time of publication. However, we cannot guarantee that all information remains current after the date of publication.

In particular, the following types of information are subject to frequent change and should always be verified independently before relying on them:

• TFSA annual contribution limits and lifetime limits
• RRSP contribution limits and deduction rules
• FHSA contribution limits and qualifying conditions
• Canadian federal and provincial income tax rates and brackets
• CPP contribution rates and benefit amounts
• Interest rates, mortgage rules, and lending regulations
• Government benefit programs (CERB, CCB, OAS, GIS, etc.)
• Any specific financial product rates, fees, or terms

We are not responsible for any errors, omissions, or outdated information on this Website. If you find an error or outdated information, we welcome you to let us know at hello@raisingatycoon.com.

Any examples, stories, case studies, illustrations of financial outcomes, or projections used in our content — including on this Website, in our products, and in our newsletters — are provided for illustrative purposes only.

• They do not represent guarantees of any specific financial outcome or result
• Past performance of any investment, savings product, or financial strategy does not guarantee future results
• Individual results will vary significantly based on personal circumstances, financial behaviour, income, expenses, market conditions, tax situation, and many other factors
• Examples used in our educational materials are simplified to aid understanding and may not reflect real-world complexity

We make no representation that using our worksheets, following our budgeting frameworks, reading our eBooks, or applying any concept discussed on this Website will result in any specific financial improvement or outcome. Financial progress is highly individual and depends on many factors beyond the scope of general educational content.

This Website may contain links to third-party websites, tools, resources, products, and services. These links are provided for your convenience and information only.

• We do not control third-party websites and are not responsible for their content, accuracy, privacy practices, or availability
• A link to a third-party website does not constitute an endorsement, recommendation, or approval of that website or its content
• You access third-party websites entirely at your own risk and subject to their own terms and privacy policies
• We are not responsible for any financial products, services, or advice provided by third parties linked from this Website

This includes links to financial institutions, government websites, affiliate partner sites, and any other external resources. Always exercise independent judgement when evaluating third-party information.

The majority of content on this Website is written with Canadian families in mind. References to specific financial products, accounts, tax rules, and regulations typically relate to the Canadian financial system, including:

• Canada Revenue Agency (CRA) rules and programs
• Registered accounts specific to Canada (TFSA, RRSP, RESP, FHSA)
• Canadian banking and credit regulations
• Canadian federal and provincial tax rules
• Canadian government benefit programs

While many general personal finance principles — such as budgeting, saving, and goal-setting — apply universally, specific rules, products, contribution limits, and tax regulations vary significantly by country and province. Content written for a Canadian audience may not be accurate, applicable, or legal in your own jurisdiction.

International visitors should seek advice from a licensed professional qualified in their own country. We do not represent that any content on this Website is appropriate for use outside Canada.

This Website is operated from Canada and is governed by Canadian law. We welcome visitors from around the world, but please be aware of the following:

• Financial regulations, tax rules, and investment products differ significantly between countries
• Content referencing Canadian-specific accounts, laws, or programs may not apply to your jurisdiction
• We do not provide advice tailored to any jurisdiction outside Canada
• Visitors from the US, UK, EU, Australia, and other countries should consult local licensed professionals for advice relevant to their own financial system

Your use of this Website from outside Canada is at your own risk. We make no representation that the content on this Website complies with the laws of any country other than Canada.

To the fullest extent permitted by applicable law, Raising A ‘Coon and its operator shall not be liable for any loss, damage, expense, or harm — direct, indirect, incidental, consequential, or otherwise — arising from:

• Your reliance on any information, content, or products provided on this Website
• Any financial decisions you make based on content found on this Website
• Errors, omissions, or outdated information in our content or products
• Your inability to access or use this Website
• Any third-party content, advertisements, or products linked from this Website
• Any investment loss, tax liability, or financial outcome resulting from applying concepts discussed on this Website

You use this Website and its content entirely at your own risk. This limitation of liability applies even if we have been advised of the possibility of such damages and even if any remedy fails its essential purpose.

Some jurisdictions do not allow the exclusion or limitation of certain types of liability — in such cases, our liability is limited to the maximum extent permitted by the law of your jurisdiction.

We strongly encourage every reader to seek advice from a qualified, licensed professional for their specific financial situation. No website, book, worksheet, or eBook — however well-written — can replace personalised professional guidance.

Here are trusted resources for finding licensed professionals in Canada:

Using our educational resources alongside professional guidance is the best approach. We are here to help you understand the language of money — a professional is there to apply it to your specific life.

If you have any questions about this Disclaimer, believe any content on our Website is inaccurate, or would like to report a concern, please get in touch. We take accuracy seriously and welcome corrections.