Home » Disclaimer and Privacy Policy

Disclaimer and Privacy Policy

General Disclaimer

The mate­r­i­al con­tained in this web­site (along with any pages it links to) is pro­vid­ed for infor­ma­tion only. While every effort is made to ensure the accu­ra­cy of the infor­ma­tion pro­vid­ed on this site, it does not con­sti­tute legal, finan­cial, or oth­er pro­fes­sion­al advice. We advise read­ers to seek spe­cif­ic legal, finan­cial, or oth­er rel­e­vant pro­fes­sion­al coun­sel before mak­ing any deci­sion or tak­ing any action, par­tic­u­lar­ly regard­ing immi­gra­tion, finan­cial, real estate, or oth­er legal matters.

In no event shall the authors, their affil­i­ates, or con­tent part­ners be liable for any direct, indi­rect, puni­tive, inci­den­tal, spe­cial or con­se­quen­tial dam­ages aris­ing out of or in any way con­nect­ed with the use of this website.

No Unlawful or Prohibited Use

As a con­di­tion of your use of this web­site, you war­rant that you will not use this web­site for any pur­pose that is unlaw­ful or pro­hib­it­ed by these terms, con­di­tions, and notices.

External Links

This web­site con­tains links to oth­er web­sites oper­at­ed by oth­er inde­pen­dent par­ties. These links are pro­vid­ed for your con­ve­nience only. We have no con­trol over these web­sites and are not respon­si­ble for their con­tent. Our inclu­sion of links to these sites does not imply any endorse­ment of the mate­r­i­al or any asso­ci­a­tion with them. You are respon­si­ble for decid­ing what infor­ma­tion, if any, you pro­vide to any third par­ties or adver­tis­ers linked to by this web­site. If you pro­vide infor­ma­tion to an adver­tis­er or oth­er third par­ty, you do so under the terms and con­di­tions of that third par­ty’s pri­va­cy pol­i­cy. Websites linked to in com­ments sub­mit­ted by users of this web­site are not reviewed for con­tent and are not endorsed by this web­site in any way.

User-Submitted Comments

The pur­pose of the Comments sec­tions of Living Abroad in Canada is to facil­i­tate a rel­e­vant, on-top­ic dia­logue between read­ers and with the authors. Comments which are inap­pro­pri­ate, in the sole judg­ment of Living Abroad in Canada, may be edit­ed, moved, delet­ed, or nev­er approved for post­ing. The com­ments you leave should be con­struc­tive, help­ful, or insight­ful. The dis­play of infor­ma­tion and opin­ions of user-sub­mit­ted com­ments does not imply approval or endorse­ment by this web­site and remain the respon­si­bil­i­ty of the poster.

Intellectual Property

Living Abroad in Canada respects the intel­lec­tu­al prop­er­ty rights of oth­ers. Upon prop­er notice, Living Abroad in Canada will remove user post­ed com­ments, posts, mes­sages, or oth­er sub­mis­sions on or to the web­site that vio­late copy­right law, and may sus­pend access to the web­site (or any por­tion there­of) to any user who repeat­ed­ly uses the web­site in vio­la­tion of Canadian copy­right law.


Living Abroad in Canada takes your pri­va­cy seri­ous­ly. This pri­va­cy pol­i­cy describes what per­son­al infor­ma­tion we col­lect and how we use it.

This Privacy Statement does not apply to the use of your Personal Information by third par­ties that Living Abroad in Canada does not own or control.

Living Abroad in Canada is com­mit­ted to ensur­ing your per­son­al infor­ma­tion is kept secure, accu­rate and con­fi­den­tial, both elec­tron­i­cal­ly and with­in our admin­is­tra­tive sys­tem. Personal infor­ma­tion is stored in our secure data­bas­es and in secure phys­i­cal fil­ing sys­tems. Only indi­vid­u­als respon­si­ble for admin­is­ter­ing the uses described under Information Collection and Use have direct access to per­son­al infor­ma­tion. Please read all of the fol­low­ing to under­stand how and why your per­son­al infor­ma­tion is col­lect­ed and used. This pri­va­cy notice, includ­ing the Disclaimer, is eas­i­ly acces­si­ble on the site.

Living Abroad in Canada makes all rea­son­able effort to ensure the intend­ed use of per­son­al infor­ma­tion col­lect­ed by us is spec­i­fied at or before the time of col­lec­tion. Living Abroad in Canada makes all rea­son­able effort to ensure exter­nal par­ties pro­vid­ing us with per­son­al infor­ma­tion have obtained con­sumer con­sent before we receive this infor​ma​tion​.Living Abroad in Canada  will not trans­fer, sell or oth­er­wise dis­trib­ute your per­son­al infor­ma­tion to an out­side orga­ni­za­tion or indi­vid­ual with­out your consent.

Routine Information Collection

All web servers track basic infor­ma­tion about their vis­i­tors. This infor­ma­tion includes, but is not lim­it­ed to, IP address­es, brows­er details, time­stamps and refer­ring pages. None of this infor­ma­tion can per­son­al­ly iden­ti­fy spe­cif­ic vis­i­tors to this web­site. The infor­ma­tion is tracked for rou­tine admin­is­tra­tion and main­te­nance purposes.

Information Collection & Use

Living Abroad in Canada is the sole own­er of infor­ma­tion col­lect­ed on this web­site . We do not share or sell your infor­ma­tion in ways dif­fer­ent from what is dis­closed in this Privacy Statement, with­out your autho­riza­tion or consent.

Living Abroad in Canada col­lects per­son­al­ly iden­ti­fi­able infor­ma­tion when you pro­vide it to us, such as when you sub­mit a com­ment, sub­mit a form, send an email, sub­scribe to an e‑mail newslet­ter, or when you oth­er­wise direct­ly pro­vide it to Living Abroad in Canada.

Cookies and Web Beacons

Living Abroad in Canada uses cook­ies to store infor­ma­tion about a visitor’s pref­er­ences and his­to­ry in order to bet­ter serve the vis­i­tor and/​or present the vis­i­tor with cus­tomized con­tent, such as infor­ma­tion in your own language.

Advertising part­ners and oth­er third par­ties may also use cook­ies, scripts, clear pix­els, and/​or web bea­cons to track vis­i­tors to Living Abroad in Canada in order to dis­play adver­tise­ments and oth­er use­ful infor­ma­tion. Such track­ing is done direct­ly by the third par­ties through their own servers and is sub­ject to their own pri­va­cy policies.

Living Abroad in Canada also uses third par­ty adver­tise­ments to sup­port the web­site. Some of these adver­tis­ers may use tech­nol­o­gy such as cook­ies and web bea­cons when they adver­tise on our site, which will also send these adver­tis­ers infor­ma­tion includ­ing your IP address, your ISP, the brows­er you used to vis­it our site, and in some cas­es, whether you have Flash installed. This is gen­er­al­ly used for geo­tar­get­ing pur­pos­es (show­ing Toronto ads to some­one in Toronto, for exam­ple) or show­ing cer­tain ads based on spe­cif­ic sites vis­it­ed (such as show­ing finan­cial ads to some­one who fre­quents finan­cial sites).

Controlling Your Privacy

You can change your brows­er set­tings to dis­able cook­ies if you have pri­va­cy con­cerns. Disabling cook­ies is not rec­om­mend­ed as it may inter­fere with your use of some sites. The best option is to dis­able or enable cook­ies on a per-site basis. Consult your brows­er doc­u­men­ta­tion for instruc­tions on how to block cook­ies and oth­er track­ing mechanisms.

Minor’s Privacy

We do not col­lect or main­tain infor­ma­tion on Living Abroad in Canada from peo­ple we know to be under the age of majority.

Surveys or Contests

We may pro­vide you the oppor­tu­ni­ty to par­tic­i­pate in sur­veys on the Living Abroad in Canada web­site. If you par­tic­i­pate we will request cer­tain Personal Information from you. Participation in these sur­veys or con­tests is com­plete­ly vol­un­tary and you there­fore have a choice whether or not to dis­close this infor­ma­tion. We only use this infor­ma­tion inter­nal­ly, to mea­sure the suc­cess of our efforts and guide future web­site post­ings and services.

The request­ed infor­ma­tion may, in lim­it­ed instances, also include con­tact infor­ma­tion (such as name and email address), or demo­graph­ic infor­ma­tion. This infor­ma­tion is used only to con­tact the par­tic­i­pant regard­ing their submission.

Online Comments

In order to place com­ments on Living Abroad in Canada, you may be asked to reg­is­ter by name, e‑mail address and pass­word. While Living Abroad in Canada will keep those details pri­vate, any per­son­al infor­ma­tion vol­un­tar­i­ly sup­plied by you in your com­ments does not fall under our pri­va­cy policy.


You browse Living Abroad in Canada anony­mous­ly and you are not required to iden­ti­fy your­self or reveal any per­son­al infor­ma­tion while brows­ing the web­site. However, the website’s web serv­er may auto­mat­i­cal­ly record some gen­er­al infor­ma­tion about your vis­it, such as:

  • The date and time you vis­it the web­site, along with the address of the pre­vi­ous site you vis­it­ed, if you linked to us from an out­side site.
  • The Internet domain for your Internet ser­vice provider, such as “com​pa​ny​.com” or “ser​vice​.net” and the Internet pro­to­col (IP) address of the com­put­er access­ing the web­site, such as “xxx​.xxx​.xxx​.xxx.” Our web serv­er auto­mat­i­cal­ly rec­og­nizes only the consumer’s domain name, but not the consumer’s e‑mail address (where possible).
  • The type of web brows­er you are using (such as ” “Internet Explorer ver­sion x”).
  • The type of oper­at­ing sys­tem you are using (such as Macintosh, Unix, or Windows).
  • The spe­cif­ic web pages you vis­it on the website.

This gen­er­al infor­ma­tion col­lect­ed is not per­son­al infor­ma­tion. The web­site track­ing sys­tem does not record per­son­al infor­ma­tion about indi­vid­u­als, nor does it link gen­er­al infor­ma­tion to any per­son­al infor­ma­tion. Living Abroad in Canada uses this gen­er­al infor­ma­tion for sta­tis­ti­cal analy­sis, for track­ing over­all traf­fic pat­terns on the the web­site, to gauge pub­lic inter­est in Living Abroad in Canada and its con­tent, and to help us make Living Abroad in Canada more use­ful to vis­i­tors. The infor­ma­tion we col­lect is used for inter­nal review and is then safe­ly discarded.

E‑mail Inquiries /​ Form Submissions 

Visitors who com­mu­ni­cate with Living Abroad in Canada by e‑mail, a com­ment post­ing, or through a con­tact form do so under these addi­tion­al conditions:

  • They give per­mis­sion for con­tact by Living Abroad in Canada, and where indi­cat­ed, for refer­ral to request­ed ser­vice providers.
  • They are sub­ject to any sub­mis­sion pro­vi­sions of the terms of use and this pri­va­cy policy.

Third Party Links

Living Abroad in Canada some­times includes links to out­side web sites which may inter­est or prove use­ful to our read­ers. Third par­ty links do not imply an endorse­ment of oth­er com­pa­nies, web sites or prod­ucts out­side of Living Abroad in Canada. Living Abroad in Canada is not respon­si­ble for the pri­va­cy of infor­ma­tion gath­ered by third par­ty web sites. When access­ing third par­ty links from Living Abroad in Canada, please refer to the pri­va­cy poli­cies of each web site you visit.

Limiting Information Collection and Use

Living Abroad in Canada makes all rea­son­able effort to ensure per­son­al infor­ma­tion col­lec­tion and use is lim­it­ed to those cir­cum­stances and uses described under Information Collection and Use. When addi­tion­al infor­ma­tion is col­lect­ed and/​or infor­ma­tion is used in anoth­er capac­i­ty, we will ask for your con­sent or pro­vide an oppor­tu­ni­ty to opt-out before or at the time of col­lec­tion and/​or use.

Information Disclosure

Living Abroad in Canada will not dis­close per­son­al infor­ma­tion to exter­nal par­ties by way of sale, rent, trans­fer or any oth­er means of dis­tri­b­u­tion, except as not­ed with­in this Privacy Policy, with­out pri­or con­sent from the con­sumer. We may occa­sion­al­ly use per­son­al infor­ma­tion for mar­ket­ing oppor­tu­ni­ties with­in our com­pa­ny and with out­side par­ties, but we will not do so with­out your consent.

Accessing Your Personal Information

Living Abroad in Canada is com­mit­ted to ensur­ing con­sumer acces­si­bil­i­ty of per­son­al infor­ma­tion. Please con­tact us if you need to access and/​or amend your per­son­al information.

Policy Changes

From time to time, we may use cus­tomer infor­ma­tion for new, unan­tic­i­pat­ed uses not pre­vi­ous­ly dis­closed in our pri­va­cy pol­i­cy. If our infor­ma­tion prac­tices change at some time in the future we will use only data col­lect­ed from the time of the pol­i­cy change onward for these new pur­pos­es. We will also update the terms of this Disclaimer and Privacy Policy to indi­cate any changes made to infor­ma­tion col­lec­tion and/​or use. 


If you choose to sub­scribe to our newslet­ter we will use your name and email address to send the newslet­ter to you. Instructions to unsub­scribe accom­pa­ny each email.

You may opt out of receiv­ing our newslet­ter by fol­low­ing the instruc­tions includ­ed in each newsletter.

Contact Information

Concerns or ques­tions about this pri­va­cy pol­i­cy can be direct­ed to Living Abroad in Canada via for fur­ther clar­i­fi­ca­tion via this con­tact form.