EstherIBK CPA Legal Information

By accessing or using this website, you agree to these legal terms. If you do not agree, please do not use the website.

The website provides general accounting, tax, and financial education content, online booking for consultations, digital products, and related tools. Use of the website is at your own risk and does not create a client–professional relationship. A professional relationship is only established when a formal engagement agreement is signed and confirmed.

You agree not to misuse the website, attempt to gain unauthorized access to any systems or data, scrape or copy content at scale, or use the website for any unlawful purpose.

EstherIBK CPA, the EstherIBK CPA logo, and all content, tools, calculators, templates, videos, and materials on this website (collectively, the "Materials") are owned by EstherIBK CPA or its licensors and are protected by Canadian and international intellectual property laws. All rights are reserved.

You may view and use the Materials for your personal, non-commercial use only. You may not reproduce, redistribute, sell, modify, or create derivative works from the Materials without prior written permission.

All website content, including text, graphics, videos, calculators, and downloadable files, is © 2026 EstherIBK CPA. All rights reserved.

For permission requests to reproduce or reuse any content, contact us at estheribkcpa@gmail.com.

We respect the intellectual property rights of others and expect users of this website to do the same. If you believe that your intellectual property has been used on this website in a way that may constitute infringement, please notify us with the following information:

• A description of the work you believe has been infringed.
• The URL or location of the allegedly infringing material.
• Your name, address, and email address.
• A statement that you have a good-faith belief the use is not authorized.

Send notices to: estheribkcpa@gmail.com. Notices that do not relate to intellectual property claims may not be reviewed or answered. Any information you provide, including your contact details, may be forwarded to the person who provided the allegedly infringing material.

Digital products (such as the Budget Template) are sold through our payment processor, Stripe. Prices are listed in Canadian dollars and may change at any time. Payment is processed securely by Stripe; we do not store your card details.

After a completed purchase you receive a time-limited, single-customer download link. Download links are personal to the purchaser and may not be shared or resold. Because digital products are delivered instantly, all sales are final except where a refund is required by law.

Consultation bookings are confirmed by email. Free 15-minute consultations are offered subject to availability. Paid sessions are billed at the rate shown at the time of booking.

All content, tools, calculators, and materials on this website are provided for general informational and educational purposes only, "as is" and "as available." Nothing on this website constitutes professional tax, accounting, legal, or investment advice, and no outcomes (including tax refunds, credit eligibility, or investment returns) are guaranteed.

To the fullest extent permitted by law, EstherIBK CPA disclaims all liability for any loss or damage arising from use of the website, reliance on its content or tools, or technical interruptions. By using this website you agree to indemnify and hold harmless EstherIBK CPA from claims arising from your use of the website or violation of these terms.

Please see the full Privacy Statement for additional disclaimers and details on how we handle personal information.

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-law principles. Any dispute arising from the use of this website will be subject to the exclusive jurisdiction of the courts of Ontario.

We may update or replace these legal terms at any time without prior notice. The "last updated" date above shows when the terms were last revised. Continued use of the website after a change constitutes acceptance of the updated terms.

Questions about these legal terms, permission requests, or infringement notices can be sent to:

EstherIBK CPA
Email: estheribkcpa@gmail.com