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Please read these Terms and Conditions carefully before using this Website 

Terms and Conditions 

This Website ( and its Content are owned by Etched Actuarial (“Company”, “we”, or “us”). The term “you” refers to the user or viewer of our Website. 

Terms and Conditions must be read carefully. We reserve the right to change the Terms and Conditions on the Website at any time without notice, and by using the Website and its Content you are agreeing to the Terms and Conditions as they appear, whether or not you have read them. If you do not agree with these Terms and Conditions, please do not use our Website or its Content. 

Website Use and Consent 

The words, design, layout, graphics, photos, images, information, materials, documents, data, databases and all other information and intellectual property accessible on or through this Website (“Content”) is our property and is protected by Canada intellectual property laws. 

If you have made a purchase or entered into a separate agreement with us you will also be subject to the terms of that agreement or those terms of use, which shall prevail in the event of a conflict. Online purchases have additional terms of use relating to the transaction. 

No publications or materials from this Website may be modified and/or reproduced, sold or transmitted to third parties, made available on any network, used to create derivative works, or transmitted in any form or by any means, including but not limited to electronic transfer, photocopying, scanning, recording or otherwise. Sharing of accounts is strictly prohibited.  Any of the above actions will result in immediate loss of access to all products and accounts (no refund). 

All refunds will be issued based on our Cancellation Policy.

The statements and opinions in the materials contained on this website or any publications of Etched Actuarial are those of the individual contributors or advertisers, as indicated. To the extent required under applicable law, Etched Actuarial has used reasonable care and skill in compiling the content of this website. However, Etched Actuarial makes no warranty, express or implied, as to the accuracy or completeness of any information on this website and shall not be liable for any inaccuracies, errors or omissions, or for any damage or injury, whether direct or incidental, to any persons or property arising out of the accessing or use of any files, software and other materials, instructions, methods or ideas contained on this website or in any publications of Etched Actuarial.

Etched Actuarial owns the exclusive copyright all materials available through this service. All rights to these materials are controlled exclusively by Etched Actuarial. By using this service you represent and warrant that you have an agreement with the publisher of the material you attempt to access, and that you will abide by any such agreement. You also understand that any violations (by authorized users) of any of the terms of any of your agreements with the publisher may be a violation of Canada federal copyright law, as well as international treaties, foreign laws and state laws.