Website Terms of Use & Disclaimer

About these terms

These terms apply to your use of the Lucid website and its tools, and are between you and 1255467 B.C. Ltd., doing business as Lucid Financial Planning ("Lucid", "we"). By using the site, you agree to them; if you do not agree, please do not use the site.

These terms work alongside our Privacy Policy and Disclosures; please read them together.

Information, not advice

The educational articles, tools, and general explanations on this website are provided for informational purposes. They are not personalized financial, investment, tax, legal, or insurance advice, and not an offer to buy or sell any financial product.

Visiting this site, submitting the contact form, or having an introductory conversation does not make you a client. A client relationship is established only through a written engagement agreement signed by both parties.

Calculators and simulators

The interactive tools on this site (the stress test, crisis simulator, asset comparison, property simulator, diversification simulator, and the various tax and cost estimators) generate general, educational results from your inputs and simplified assumptions. The output may look relevant to your personal situation, but it is not personalized advice, a forecast, or a guarantee.

When using these tools, keep in mind: results depend on the accuracy of what you enter; the tax rates, rules, and market data built into the tools can become outdated; and we do not guarantee the tools will always be available or entirely error-free. Verify important decisions independently with current information, or seek analysis specific to your situation. By using these tools, you confirm you have read and accepted these terms.

Permitted use and prohibited conduct

You may browse and use this website and its tools for personal, non-commercial purposes.

You may not: scrape the site's content at scale by automated means; bypass or attempt to bypass its security measures; interfere with the operation of the site or its tools; or abuse the forms and tools through spam or impersonation.

Intellectual property

Unless otherwise noted, the original content of this website (text, graphics, and tools) is owned by 1255467 B.C. Ltd. or used by Lucid under license. Original content may not be reproduced, republished, sold, or redistributed for commercial purposes without written permission, except as permitted by applicable law — including fair dealing for research, criticism, or education under Canada's Copyright Act.

Third-party links

This site may link to third-party websites. We are not responsible for their content, and a link does not imply endorsement.

Changes and availability

We may modify, suspend, or discontinue any part of the site (including any tool) at any time, without notice.

Limitation of liability

The site is provided "as is". While we work to keep information accurate and current, we make no warranties about completeness or fitness for a particular purpose. To the maximum extent permitted by applicable law, Lucid is not liable for indirect or incidental losses arising solely from use of this website or reliance on its general educational content. These terms do not exclude or limit any liability or consumer rights that cannot be excluded or limited by law.

Effect and updates

If any provision of these terms is found invalid, the remaining provisions continue in effect. We may update these terms from time to time; updates will be posted on this page with an effective date, and continued use of the site after an update constitutes acceptance.

These terms are provided in English and Chinese; if the versions differ, the English version governs.

Governing law

These terms are governed by the laws of British Columbia and the applicable laws of Canada.

Questions

Questions about these terms can be sent to lucinda@lucidfinancial.co.