Terms, in plain language.

The terms that apply when you use this website.

Using this site
By using spockhart.com, you agree to these terms. If you do not agree, please do not use the site.
Information, not advice
Everything here, including the case studies and the calculator, is general information. It is not professional, financial or legal advice and does not create a client relationship. Calculator results are estimates based on the figures you enter.
Our team’s experience
Projects on Our Work were delivered by members of our team in previous or current roles at other organizations. They are not Spockhart engagements, and client names are withheld.
Our content
The text, design, graphics and code of this site belong to Spockhart. Share links to any page freely, but please do not copy or republish our content without permission.
Provided as is
To the extent the law allows, Spockhart is not liable for any loss from using this site or relying on its content, or for the content of websites we link to.
Ontario law
These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there.

Questions about these terms? Email john@spockhart.com.

Last updated November 7, 2026.

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