Terms of Use

Agreement to Terms

By accessing and using the NE Capital website (necapital.ca), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use this website. NE Capital is the operating name of NE Financials Inc., located in Surrey, British Columbia.

Educational Content — Not Professional Advice

The Legacy Scorecard

The Legacy Scorecard is an educational tool that provides a general risk assessment based on your answers. It is not a tax calculation, financial analysis, actuarial assessment, or professional opinion. The risk levels (Low, Moderate, Elevated, Critical) are general categories designed to indicate potential areas of concern — they do not represent a professional determination of your specific estate tax liability.

Dollar ranges referenced in scorecard results are illustrative examples based on general scenarios using current published tax rates. Your actual exposure may be higher or lower depending on factors not captured by the scorecard.

Tax Rates and Figures

This website references specific tax rates, probate fees, exemption amounts, and worked examples using 2025–2026 federal, British Columbia, and Alberta tax legislation. While we make every effort to ensure accuracy, tax laws change. All figures should be verified against current legislation before making any decisions. We update our content periodically but do not guarantee that every figure reflects the most recent legislative changes at any given time.

Key sources referenced include the Income Tax Act (R.S.C., 1985, c. 1 (5th Supp.)), Canada Revenue Agency technical interpretations, the BC Probate Fee Act, and the Alberta Surrogate Rules. We are not responsible for errors or omissions in third-party source materials.

Licensing and Scope of Services

Aman Singh Tiwana is a licensed life insurance agent in British Columbia and Alberta. NE Capital's services are limited to estate risk education and life insurance solutions within the scope of that licence.

NE Capital does not provide tax preparation, legal services, investment management, securities advice, or accounting services. When we reference strategies such as estate freezes, pipeline planning, or alter ego trusts, we are explaining publicly available concepts for educational purposes — not providing advice on whether any specific strategy is appropriate for your situation.

Any decision to implement a strategy should be made in consultation with your qualified tax accountant and lawyer.

Geographic Limitations

NE Capital is licensed to operate in British Columbia and Alberta only. Content on this website references BC and Alberta tax rates, probate fees, and provincial legislation specifically. If you are in another Canadian province or territory, the rates and rules may differ significantly. We do not provide services to individuals outside of BC and Alberta.

No Guarantees

We do not guarantee any specific tax outcome, insurance approval, premium rate, investment return, or estate planning result. Estate tax exposure depends on numerous factors that can change over time including asset values, legislation, personal circumstances, and CRA administrative positions. Past examples and worked scenarios are illustrative only.

Intellectual Property

All content on this website — including text, design, graphics, logos, the Legacy Scorecard tool, and educational materials — is the property of NE Financials Inc. and is protected by Canadian copyright law. You may share links to our content and reference our educational materials for personal use. You may not reproduce, distribute, or repurpose our content for commercial use without written permission.

Third-Party Links

This website may contain links to third-party websites or services (such as Calendly for appointment scheduling). We are not responsible for the content, privacy practices, or terms of use of any third-party websites. Visiting a third-party link is at your own discretion and risk.

Limitation of Liability

To the maximum extent permitted by law, NE Financials Inc., its owner, agents, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website, reliance on any content provided, or any decisions made based on information presented on this website. This includes but is not limited to damages resulting from errors in tax calculations, changes in legislation, or any difference between estimates presented on this website and actual tax assessments by the Canada Revenue Agency.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein. Any disputes arising from these terms or your use of this website shall be subject to the exclusive jurisdiction of the courts of British Columbia.

Changes to These Terms

We may update these Terms of Use from time to time. Any changes will be posted on this page with the updated date. Your continued use of this website after changes are posted constitutes acceptance of the revised terms.

Contact

If you have questions about these Terms of Use:

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