Terms of use

Last updated: 11 October 2026

  • My views are my own, not those of any current or former employer.
  • Everything here is general information, not legal, financial, risk or other professional advice. That includes posts about money and personal decisions, and my CRM designation doesn’t change it.
  • I use AI tools to help me draft and edit. The ideas and the final text are mine.
  • The writing and photos are mine unless credited. You’re welcome to quote short excerpts with a link back. Credited images follow their own licences.
  • Links and embedded content from other sites aren’t endorsements, and those sites’ own terms apply. I don’t earn money from links.
  • The headlines on /daily are picked automatically. They belong to their publishers and aren’t endorsements. Weather and air quality come from Environment and Climate Change Canada, so check official sources for warnings. Transit, road and highway updates come from the TTC, GO Transit, the City of Toronto and 511 Ontario, and may lag, so check those sources before you travel. Event listings come from the City of Toronto’s events calendar and their organizers, and may change, so check with the organizer before you go.
  • The site is provided as is. To the extent the law allows, I’m not liable for any loss from using it.
  • Ontario law applies, and Ontario courts decide any dispute. I may update these terms, and the date above shows the latest version.