Disclaimer
Golden Pebbles • Last updated May 26, 2026
A note from Melody
The information I share through Golden Pebbles — including this website, blog posts, downloadable tools and spreadsheets, emails, social media, and any other materials (together, the "Content") — is for general educational and informational purposes only. I created Golden Pebbles to make money feel less overwhelming and to help you build confidence with your finances. Sharing general education is not the same as giving you personal advice — and it matters that you understand the difference.
Not financial advice
Nothing in the Content is specific financial, investment, tax, or legal advice. I don't know your individual circumstances, goals, or full financial picture, so nothing I share is a personalized recommendation for you. The Content is meant to promote financial literacy and encourage you to think critically about your own money — not to tell you what to do. The Content is not a substitute for professional advice. Before making any financial decision or acting on anything you find here, I strongly encourage you to speak with a licensed or registered professional — such as a financial planner, investment advisor, accountant, or lawyer — who can consider your specific situation. All investments carry risk, including the possible loss of the money you put in. Past performance does not guarantee future results.
Not medical advice
I am a Registered Nurse (RN), and I may share general thoughts on health, wellness, and the connection between wellbeing and money. This Content is for general informational purposes only and is not medical advice. Nothing in the Content is intended to diagnose, treat, cure, or prevent any health condition. Using this website or reading my Content does not create a nurse–patient, practitioner–patient, or any other professional relationship between us. For any medical concern — or before making changes that could affect your health — please consult a qualified healthcare professional.
Affiliate disclosure
Some links on this website are affiliate links, which means I may earn a small commission if you make a purchase through them, at no extra cost to you. As an Amazon Associate, I earn from qualifying purchases. I only ever share resources I genuinely believe in. Affiliate relationships never influence my recommendations, and they do not change the price you pay.
Tools and resources
Any tools, spreadsheets, templates, or external resources I provide are offered "as is," for general educational use only. They are not guaranteed to be accurate, complete, or suitable for your situation. You are responsible for verifying any figures, limits, or information — including your own contribution room and account details — against official sources such as the Canada Revenue Agency (CRA) or a qualified professional.
Use at your own risk
Your use of this website and the Content is entirely at your own risk. By using this website, you acknowledge and agree that I (Melody On), Golden Pebbles, and any of my partners, contractors, or associates will not be held responsible or liable for any decisions you make, actions you take, or outcomes you experience based on the Content. To the fullest extent permitted by law, I disclaim all liability for any loss or damage arising from your use of, or reliance on, anything shared through Golden Pebbles.
Changes to this disclaimer
I may update this disclaimer from time to time. Any changes take effect when posted on this page, and your continued use of the website means you accept the current version. If you have any questions about this disclaimer, please reach out through my Contact page.