Disclaimer

Effective Date: August 18, 2026
Last Updated: August 18, 2026

The information, content, tools, calculators, resources, software, and other materials provided through SAPER websites, platforms, services, and digital properties are provided for general informational and business purposes.

While SAPER makes reasonable efforts to provide useful and accurate information, we do not guarantee that all information is complete, current, accurate, reliable, or suitable for your particular circumstances.

Your use of SAPER websites, services, tools, and information is subject to the SAPER Terms of Use, Privacy Policy, Cookie Policy, and any additional terms applicable to a particular product or service.

1. General Information

Information published by SAPER is intended to provide general information and may not account for your particular circumstances, objectives, requirements, or risks.

You should independently evaluate information before relying on it.

SAPER does not guarantee that information provided through its digital properties will be suitable for a particular purpose or situation.

Information may become outdated as laws, regulations, technology, markets, products, services, and other circumstances change.

2. No Professional Advice

Unless expressly stated otherwise and provided under an applicable professional engagement, information made available through SAPER is not intended to constitute:

• Legal advice
• Financial advice
• Investment advice
• Tax advice
• Accounting advice
• Insurance advice
• Medical advice
• Health advice
• Employment advice
• Regulatory advice
• Engineering advice
• Technical professional advice
• Other professional advice

You should consult an appropriately qualified professional before making decisions that require specialized advice.

3. Calculators and Estimates

SAPER may provide calculators, formulas, estimates, projections, comparisons, or other tools intended to help users explore potential outcomes.

Results generated by these tools may depend on information entered by the user, assumptions, formulas, estimates, third-party data, or other variables.

Calculator results are provided for informational purposes and should not be treated as guaranteed outcomes, quotes, valuations, professional advice, or financial projections unless expressly stated otherwise.

Actual results may differ materially from estimates.

You are responsible for reviewing assumptions and determining whether a calculator or other tool is appropriate for your circumstances.

4. Artificial Intelligence and Automated Outputs

SAPER may provide or use artificial intelligence, machine learning, automation, and other automated technologies.

AI-generated or automated information may contain errors, omissions, inaccuracies, outdated information, or inappropriate conclusions.

AI output should not automatically be treated as factual, authoritative, complete, or professionally reviewed.

Users are responsible for reviewing and validating AI-generated or automated outputs before relying on them, publishing them, communicating them to others, or using them to make decisions.

Where an output could materially affect a person, organization, financial decision, legal matter, health matter, or other significant decision, appropriate human review should be performed.

5. Business and Marketing Information

SAPER may publish information concerning marketing, growth, technology, automation, artificial intelligence, business operations, commerce, publishing, and related subjects.

Examples, strategies, recommendations, case studies, projections, and other business information are provided for general informational purposes.

Results achieved by SAPER, its customers, or other organizations in a particular circumstance do not guarantee that another organization will achieve similar results.

Results may depend on numerous factors, including market conditions, resources, implementation, execution, timing, competition, customer behaviour, technology, and other circumstances.

6. Third-Party Information

SAPER may reference or link to information, products, services, websites, applications, technologies, organizations, or other resources provided by third parties.

SAPER does not control all third-party information or services and does not guarantee their accuracy, availability, security, performance, or suitability.

Third-party services may be governed by their own terms, privacy policies, and other conditions.

You are responsible for evaluating third-party information and services before relying on or using them.

7. Availability and Technical Information

SAPER websites and digital services may occasionally be unavailable, interrupted, delayed, modified, or affected by technical issues.

SAPER does not guarantee uninterrupted availability or error-free operation.

Technical information, system requirements, compatibility information, performance information, feature descriptions, and other technical details may change as products and services are developed.

8. Security

SAPER takes reasonable measures to protect its systems and information, but no website, application, network, storage system, or method of transmitting information over the Internet can be guaranteed to be completely secure.

Users are responsible for taking appropriate precautions when accessing websites, services, accounts, and digital resources.

You should not submit passwords, API keys, authentication secrets, financial credentials, or other highly sensitive information through public forms or other areas not specifically designed to receive that information.

9. External Links

SAPER websites may contain links to third-party websites, applications, services, and resources.

A link does not necessarily constitute an endorsement, sponsorship, recommendation, or guarantee of the third party or its products or services.

SAPER is not responsible for the content, availability, security, privacy practices, or operation of third-party websites and services.

10. User-Provided Information

Some SAPER tools and services may rely on information provided by users.

SAPER does not guarantee the accuracy or completeness of information supplied by users or third parties.

Where a tool, calculator, analysis, or other service depends on information entered by a user, the accuracy of the result may depend on the accuracy and completeness of that information.

11. Pricing, Availability, and Product Information

Product descriptions, pricing, availability, features, specifications, promotions, and other commercial information displayed through SAPER websites may change.

Where a purchase or subscription is offered, the applicable transaction terms, pricing, and other required information provided at the time of purchase will govern that transaction, subject to applicable law.

SAPER reserves the right to correct errors and update information where appropriate.

12. Testimonials and Examples

Testimonials, examples, case studies, projections, and other representations concerning customer experiences or business results are provided for illustrative purposes unless expressly stated otherwise.

Past performance or results do not guarantee future results.

Individual experiences may vary.

13. Environmental and Other Performance Claims

Where SAPER makes claims concerning environmental benefits, performance, efficiency, effectiveness, or other measurable outcomes, those claims are intended to be based on the information and evidence reasonably available to SAPER at the time they are made.

SAPER does not intend this Disclaimer to qualify or override any specific claim that is required by law to be truthful, substantiated, tested, or otherwise supported.

Marketing claims should be considered in their complete context. Canadian competition law addresses materially false or misleading representations and certain performance claims, including environmental claims.

14. No Guarantee of Results

SAPER does not guarantee specific business, financial, marketing, operational, technological, or other results from the use of its information, tools, products, services, or platforms.

Any examples of potential results are illustrative unless expressly stated otherwise in a written agreement.

15. Limitation of Disclaimer

Nothing in this Disclaimer is intended to:

• Exclude or limit liability where doing so is prohibited by law
• Remove mandatory consumer rights
• Override an express contractual obligation
• Modify a specific written agreement between SAPER and a customer
• Misrepresent the nature, performance, or characteristics of a product or service
• Limit rights or remedies that cannot legally be excluded or limited

Where a specific SAPER product, service, or agreement contains additional warranties, guarantees, representations, or disclaimers, those terms will apply according to their terms and applicable law.

16. Changes to This Disclaimer

SAPER may update this Disclaimer from time to time to reflect changes in our services, content, technology, business practices, or legal requirements.

When changes are made, SAPER will update the Last Updated date at the top of this document.

17. Contact

Questions concerning this Disclaimer may be submitted through the SAPER Contact page.

Last Updated: August 18, 2026

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