Legal

Last updated: 2026-01-20

This website is owned and operated by Chazz Okparanta/Chazz Capital Assets (the “Site Owner,” “I,” “me,” or “my”).
By accessing or using this website, you agree to the terms below.

1. Purpose of This Website

This website exists for educational, informational, and thought-leadership purposes only.

The content published here reflects my personal thinking, experience, and perspective on leadership, decision-making, systems, business, risk, and strategy. It is intended to help readers think more clearly, not to tell them what to do.

Nothing on this website constitutes advice of any kind.

2. No Advice Disclaimer

For clarity and avoidance of doubt:

  • This website does not provide financial advice
  • This website does not provide investment advice
  • This website does not provide insurance advice
  • This website does not provide tax advice
  • This website does not provide legal advice
  • This website does not provide business consulting advice specific to your situation

Any content, ideas, frameworks, or examples shared are general in nature and must not be relied upon as advice for your individual circumstances.

You should always consult a properly licensed professional before making decisions related to financial, insurance, investment, legal, tax, or business matters.

3. Regulatory Status and Licensure

I am licensed in Canada and subject to regulatory oversight, including but not limited to:

  • Financial Services Regulatory Authority of Ontario (FSRA)
  • Mutual fund regulatory bodies and applicable self-regulatory organizations
  • Applicable insurance regulators and legislation
  • Federal and provincial privacy legislation

I hold professional credentials including:

  • Fellow of the Canadian Securities Institute (FCSI®)
  • Chartered Financial Planner®
  • Chartered Life Underwriter (CLU®)
  • Certified Health Insurance Specialist (CHS)
  • Mutual Funds License
  • Life Insurance License
  • Accident and Sickness Insurance License
  • Auto, Home, and Business Insurance Licenses

Some of my thinking may naturally reflect experience gained while working within regulated industries. However, no content on this website is intended to be, or should be interpreted as, regulated advice or a recommendation of any product, company, strategy, or provider.

4. No Product or Company Recommendations

This website does not recommend:

  • Specific financial products
  • Insurance products
  • Investment strategies
  • Investment funds
  • Insurance carriers
  • Advisors, brokers, or institutions

Any mention of products, companies, or services is for illustrative or educational purposes only and does not constitute an endorsement, solicitation, or recommendation to buy or sell anything.

5. No Client Relationship Created

Use of this website does not create a client, advisor, fiduciary, or professional relationship between you and me.

Any formal professional relationship must be established separately through written agreement and proper regulatory processes.

6. Accuracy and No Guarantees

While I strive to ensure accuracy, I make no guarantees that the information on this site is complete, current, or error-free.

All content is provided “as is” without warranties of any kind, express or implied.

You agree that you use this website and its content at your own risk.

7. Limitation of Liability

To the fullest extent permitted by law, I disclaim all liability for any loss, damage, or harm arising from:

  • Use of this website
  • Reliance on any content
  • Decisions made based on ideas or frameworks shared here
  • Errors, omissions, or outdated information
  • Third-party links or references

Privacy Policy

1. Information Collected

This website may collect limited personal information such as:

  • Name
  • Email address
  • Messages submitted through contact forms
  • Basic analytics (page views, browser type, approximate location)

No sensitive financial or insurance information is collected through this website.

2. Use of Information

Information is used solely to:

  • Respond to inquiries
  • Communicate when requested
  • Improve website performance
  • Understand general readership patterns

Your information is never sold to third parties.

3. Cookies and Analytics

This website may use cookies or similar technologies for basic analytics and functionality. You can disable cookies in your browser if you wish.

4. Data Storage and Security

Reasonable steps are taken to protect personal information. However, no online transmission is completely secure. By using this website, you acknowledge this risk.

5. Third-Party Services

This website may link to third-party sites. I am not responsible for their content, privacy practices, or policies.

6. Your Rights

You may request access to, correction of, or deletion of your personal information by contacting me directly.

Intellectual Property

All content on this website, including text, diagrams, graphics, and frameworks, is owned by me unless otherwise stated and may not be reproduced without permission.

Changes to These Terms

These terms may be updated at any time without notice. Continued use of the website constitutes acceptance of the updated terms.

Contact

For legal or privacy inquiries, contact:

Chazz Okparanta
Canada
Chazz@Chazz.ca