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Legal Notices

Trademark Notice
Disclaimer/Disclosure Notice
Privacy Policy


All material on this site and in any transmissions and publications relating to it is copyright Headspring Consulting Inc. and all recommendations are based on information that is believed to be reliable. However, results are not guaranteed and the publishers and distributors of any information and/or recommendations reproduced here or transmitted from this site assume no liability whatsoever for any material losses that may occur. Readers are advised to consult a professional financial advisor before making any investment decisions. Sandra Foster, members of her family or employees may hold positions in securities mentioned on this site or in publications associated with it. No compensation for recommending particular securities or financial advisors is solicited or accepted.

Trademark Notice and Copyright

All information published or otherwise accessible through this Website and its successors, including, but not limited to information, news, text, photographs, images, illustrations, audio clips, video clips, software and other materials (the "Content") are protected by copyright, and are owned or controlled by Headspring Consulting Inc. and/or Sandra Foster or other parties credited as the provider of the Content.

Sandra Foster's photo was taken by Joseph Marranca Photography, Toronto.

This Website is also protected by copyright as a collective work and/or compilation, pursuant to Canadian copyright laws, international conventions and other copyright laws. Unless otherwise specified, any reproduction, modification, redistribution, publication, transmission, transfer, sale, distribution, or performance of this Website, whether in whole or in part, constitutes a violation of federal or common law and is prohibited.

No information may be reproduced in whole or in part in any form without written consent of Headspring Consulting Inc. and/or Sandra Foster. Please e-mail us for permission before reproducing or redistributing any part of the information contained within.

Certain names, words, titles, phrases, logos, designs, graphics, icons and trade-marks displayed on this Website may be registered or unregistered trade-marks of Headspring Consulting Inc. and/or Sandra Foster or third parties. Unless otherwise specified, downloading, retransmission, copying or modification of any trademarks or other contents displayed on this Website may be a violation of statutory or common law rights and is prohibited and could subject the violator to legal action.

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Disclaimer/Disclosure Notice

The information contained on this Website is designed for educational and entertainment purposes only. It is not intended to provide you with investment, financial, legal, accounting, tax, or other advice for your specific situation. You should not rely upon the information to provide any such advice. Before you make investment decisions, we strongly recommend doing your own research and consulting with a qualified financial professional.

Headspring Consulting Inc. provides fee-for-service financial planning through its team of financial planning associates. Sandra Foster is also available for a limited number of fee-for-service financial planning clients each year. Clients engaging Headspring Consulting Inc./Sandra Foster for fee-for-service financial planning will be required to sign a financial planning agreement prior to any financial planning services.

We believe the information provided on this Website is accurate and complete. Although we try to keep the information current, we do not provide any warranty, express or implied, as to the accuracy or completeness of any information provided as part of this Website. However, with the passage of time, some of the information may become out-dated. Other Websites accessed or linked from this Website have, unless otherwise indicated, been independently developed by third parties. We do not warrant the accuracy or completeness of the information contained in these sites.

Neither Headspring Consulting Inc., Sandra Foster or any affiliates shall be liable in any manner or to any extent for any direct, indirect, special, incidental or consequential damages, losses or expenses, however caused, arising out of the use of this Website and/or any confidential or sensitive information transmitted to us.

No endorsement of any third party products or services is expressed or implied by any information, material or content referred to or included on, or linked from or to this Website.

Any information contained herein is not to be construed as an offer or the solicitation of an offer to buy or sell the investments mentioned.

Past performance is not necessarily indicative of future performance.

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Privacy Policy

Our Privacy Policy outlines what information we gather about you, how we use it, and your choices about the information you share with us. Complete confidentiality and security to guarantee 100% privacy is not yet possible over the Internet. Internet use and communication is subject to interception, loss and alteration. You acknowledge and agree that Headspring Consulting Inc., Sandra Foster and its affiliates shall not be responsible for any damages you may suffer as a result of the transmission of confidential or sensitive information over the Internet, and that all such communications will be at your own risk.

Headspring Consulting Inc. and Sandra Foster understand and respect your desire for privacy. To that end, we would like you to know how we use the personal information you entrust to us.

The information we collect from our on-line members is necessary to fulfil membership subscriptions and more efficiently communicate with members when necessary.

Sometimes, we try to contact our subscribers regarding special offers and promotions that we think you would find valuable. If, at any time, you choose to have your information (name, street address, phone number and/or e-mail) removed from our internal marketing files, simply contact us at the address shown below or click (here) to send us email.

We also request demographic data from our members (e.g., age, working with/without a financial advisor, etc.). This information is used to better understand our members, and by any advertisers or partners to target their advertisements. It is not required for Readers Corner and should be submitted at the your discretion. The collecting of any personal information is done so only with the consent of the individual supplying the information. Personal information will be kept as accurate and up-to-date as is necessary for the provision of specific services requested by the individual. Users can make changes to any of their personal information as needed.

No personal information provided will be distributed, analyzed or in any way made available to any individual person or any other corporate entity for any purpose whatsoever without the explicit consent of the individual who supplied the information

Headspring Consulting Inc. will, upon request, make available to individuals specific information about its policies and practices relating to the management of personal information. If you have any additional questions or comments on this issue, please feel free to e-mail us.

Protecting Your Privacy All internet users should take steps to protect their privacy on the Internet:

  • Keep your password confidential and change them periodically.

  • After visiting secure sites, clear out your browser's temporary Internet files so that no one can access information you may have transmitted to those sites.

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