Content on this site is for informational and educational purposes. We are NOT financial advisors. Nothing on this site should be taken as tax, investment or legal advice. AstroWealth publishes general articles on the subject of personal finance, budgeting, net worth, risk reduction, home ownership, and other investment topics.  We are not registered investment advisors or securities brokers. The investment decisions you make are solely your own and based on your own judgement with guidance from your financial advisor.

AstroWealth only exists because of you trusting us.

We think it is important for you to be informed, so we want to be transparent about how this site is funded which includes:

Display advertisements – these are generally graphical ad banners or text blocks provided by either Google AdSense or similar advertising networks usually placed in the sidebar or at the top or bottom of a page.

Affiliate links – they work the same way as regular links – but when clicked they may generate income for the site. Articles are always written with the goal of saving you money and affiliate links are only added for quality products and services that can help you save money in some way.

Sponsorships – from time to time, we may write a sponsored post or email for a company. Before doing so, we verify that their products and services have some relevance and usefulness to AstroWealth readers.

This ensures that AstroWealth can remain free to use for everyone.

We only recommend products and services that we believe in. Any product or service claim, statistic, quote or other representation about a product or service should be verified and confirmed with the manufacturer or provider.

Terms of Service

By using AstroWealth Blog (“Site”), you are agreeing to be bound by these Terms and Conditions (“Terms”). These Terms are governed by the laws of the Province of Ontario and the laws of Canada as applicable herein, without regard to any principles of conflicts of law. If you do not wish to be bound by these Terms, discontinue use of this Site. Any changes made to these Terms will be posted on this page. Please note that it is your responsibility to stay abreast of any changes and updates to these Terms – to this end, we encourage you to check this page for any changes from time to time.

Our goal is to be the best money saving resource available anywhere for our users. The information provided on this site is meant to be a starting point for users to make well-rounded and well-informed decisions on how they spend their money. However, despite our best efforts to have the most complete and accurate guide on maximizing your money and optimizing your savings, we make no representations or warranties (express or implied) that this Site will be error-free or complete or completely accurate or current at all times or at any time. It is your responsibility to conduct further research to verify the information on this Site and ensure any actions you take meet your own personal and financial goals.

This Site exists for informational and educational purposes only. All content provided on this Site is reflective of our views, and is intended for general informational purposes only. In addition, the views and opinions expressed by contributors to this Site do not necessarily reflect those of ours.

Everything you read on this Site is the opinion of us or our contributors only. We do not provide personalized financial advice and we do not act as a financial advisor. The information on this Site is NOT intended to be a substitute for investment, tax, accounting or legal advice – and you are responsible to obtain financial, tax, accounting, legal or other professional advice before acting on any information provided by us, to ensure that you’ve gathered all the information you need to determine what’s right for your specific circumstance. Given that you use the available information at this Site for free – please note that this is at your own risk, and you release us from any and all liability of any kind whatsoever. By using this Site, you expressly acknowledge and agree that in no event will we or our suppliers or licensors be liable for any damages suffered by you, either directly or indirectly, as a result of the use or inability to use this Site or its contents.

We make reasonable efforts to ensure that this Site is virus-free and malware-free, but we do not and cannot guarantee that this is the case. You are responsible for the entire cost of any service, repairs or corrections necessary as a result of your use of this Site.

We use some hyperlinks from affiliate partners, and some hyperlinks are provided for your convenience only. These links do not necessarily imply an endorsement to their products and services. We have no control over the content of any linked site. This content is the sole responsibility of the owner or operator of the linked site.

You have read our Privacy Policy, the terms of which appear on this website and are incorporated into these Terms. You agree that the terms of the Privacy Policy are reasonable. You consent to the collection, use, and disclosure of your personal information by us or our agents or representatives in accordance with, and for the purpose set forth in, the Privacy Policy. 

All of the original content and materials made available on this Site are owned by us and/or our affiliates, and are protected by Canadian and international copyright laws, trademark, and other applicable intellectual property laws. Our content is provided for personal, non-commercial use only. Unless explicitly authorized by us, none of our content may be copied, reproduced, republished, sold, distributed, modified, uploaded, transmitted, translated or exploited, nor can derivative works be created based upon our content without our prior written consent. Any copying, reproduction, republishing, sale, distribution, modification, uploading, reverse engineering, transmission, translation or exploitation of, or creation of derivative works based upon, these materials for commercial purposes without our permission is prohibited. Only for the purpose of personal and non-commercial use, you may make one copy of extracts from this Site provided that all copyright notices are kept intact. If a dispute arises, the Canadian Copyright Act (R.S.C., 1985, c. C-42) and other legislation and common law provides recourse under Canadian law.

When you post a comment on this Site and/or in our social media channels, you own any copyright on the text, provided that you are the owner of the material you posted. As well, when you post and submit text via email or social media, you grant to us a perpetual, unlimited and royalty-free license to republish in whole or in part that text on this Site and in print for marketing purposes.

Although we pride ourselves to be well-researched in every article that we publish, we can’t guarantee the completeness or accuracy of the information, content or postings found on this Site. By using this site, you acknowledge and agree to take full responsibility for your decisions by ensuring that you have done your research that is aligned to your specific personal and financial goals. Under no circumstances shall we be liable for any direct, indirect, incidental, special or consequential damages that result from the use or downloading any content on this Site. As such, before you apply for any products or services mentioned in this Site, please ensure that: 1) you’ve read and understood these Terms; 2) verify and confirm that all the information presented is accurate and complete; and 3) conduct further research and obtain professional consultation as you see fit to ensure that the product or service meets your specific needs.

You agree to indemnify, defend, and hold us harmless against any and all claims, liabilities, damages, causes of action, costs and expenses, including legal fees and expenses, arising out of or related to your breach of any obligation, warranty, representation or covenant under these Terms.

Any disputes between us will be resolved in accordance with the laws of the Province of Ontario and applicable laws of Canada where applicable herein notwithstanding your residence or physical location. You agree to the exclusive jurisdiction of the courts of the Province of Ontario to decide and adjudicate any dispute in connection with this Site, its disclaimers or its Terms.

The products, services, and information described in this Site are available only in jurisdictions where they may be legally provided, and therefore may not be available in all regions of Canada, the United States or to residents of any other jurisdictions.

This Site is not for use by persons under the age of eighteen (18) years. Use of this Site is void where prohibited by law. 

These Terms were last updated on November 29th, 2021, are effective immediately, and replace any previously published terms. These Terms may be changed at any time at our discretion. Should we update these Terms, we will post the updates to this page.

Privacy Policy

Our Privacy Policy governs the collection, use and disclosure of personal information on AstroWealth Blog (the “Site”). Personal information is any information about an identifiable individual. This Policy outlines the type of information that the Site’s operator Gigflow Labs Inc. and its directors, officers, employees and affiliates (collectively, “we” or “us”) gather about the user of this Site (“you” or “your”) while you are using this Site and how we use that information. Please read this Privacy Policy as, by using this Site, you agree that your use of this Site is governed by this Privacy Policy. We reserve the right to modify this Privacy Policy at any time. We will reflect any such modifications to this privacy policy on this Site. Your continued use of this Site after any such changes constitutes your acceptance of this Privacy Policy, as revised.

Collection, Use and Disclosure of Personal Information

We collect and store your e-mail address if you voluntarily supply it to us when you register, or if you subscribe to our email list. Your email address is stored at the email list server and can only be accessed by those who help manage those lists in order to deliver emails to those who signed-up to receive our material. This information is used to provide you with access to Site content, and to allow us to contact you with updates and newsletters (if you have indicated you would like to receive them). As well, we collect and use data contained in log files which include: your Internet Protocol (IP) address, your Internet Service Provider (ISP), the browser you used, the time you visited this Site, and the pages you visited throughout this Site, such collection and use being a standard practice on almost every website. We use this information to better understand how visitors use the Site, and to improve the Site to better meet your needs. The amount of information that is sent by your web browser depends upon the browser and settings you use. Please refer to the instructions provided by your browser if you want to learn more about what information it sends to websites you visit, or how you may change or restrict this.

Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your web browser that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. We use cookies to understand and save your preferences for future visits. In addition, because we use third-party advertisements to support this Site (ie: Google AdSense), DART cookies and web beacons may be used by them in order to deliver more relevant advertising.

We do not sell your personal information to any third parties. However, we do share information with trusted third parties who assist us in operating this Site, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also disclose your personal information when we believe such release is necessary to comply with the law, enforce this Site’s policies, or protect ours or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses. We reserve the right to transfer personal information collected in the event that we merge with or are acquired by a third party. We may also disclose your personal information for any other purpose permitted by law or to which you consent.

Security safeguards

The security of the personal information you provide to us is very important to us. As such, we do our best to ensure your information remains secure, and we maintain technical and procedural safeguards that are appropriate to the sensitivity of the personal information in question; however, you understand that there are inherent risks of providing information online. As such, by using this Site, you release us of any responsibility for any breach of security.

Third-party links

Please note that links to third-party websites and advertisers on this Site are not bound by this Privacy Policy. These third party sites have separate and independent privacy policies that may be different from our own. We therefore have no responsibility or liability for the content and activities of these linked sites. As such, if you wish to know more about their privacy policies, please visit their websites and review their privacy policies.

Interpretation of this Privacy Policy

Any interpretation associated with this Privacy Policy will be made by Gigflow Labs Inc.. This Privacy Policy includes examples but is not intended to be restricted in its application to such examples; therefore, where the word “including” is used, it shall mean “including without limitation.”

This Privacy Policy does not create or confer upon any individual any rights, or impose upon Gigflow Labs Inc. any obligations outside of, or in addition to, any rights or obligations imposed by Canada’s federal and provincial privacy laws, as applicable. Should there be, in a specific case, any inconsistency between this Privacy Policy and Canada’s federal and provincial privacy laws, as applicable, this Privacy Policy shall be interpreted, in respect of that case, to give effect to, and comply with, such privacy laws.