Terms of Service

These Terms of Service govern your use of thefrauddoctor.ca and the products and services of The Fraud Doctor™, a Canadian fraud preparedness and education service based in Vancouver, British Columbia. By using this site, submitting an assessment, or reserving a Charter place, you agree to these terms. If you do not agree, please do not use the service.

Our services are intended for adults (18+) purchasing for their own household. Contact us at info@thefrauddoctor.ca or (604) 283-0182 with any question about these terms.

Charter Enrollment is a pre-order reservation, not a completed purchase. When you reserve a place:

• No payment is taken today. You are not charged, and we do not collect card details at the reservation stage.
• We contact you approximately 14 days before your kit ships in August 2026 to confirm your tier, take payment, and collect the mailing address and session details we need.
• A reservation is not a contract of sale. No purchase exists until you confirm your enrollment and payment is completed.
• Places are limited by capacity. Guided Setup sessions are delivered by a real person, so intake is capped to protect the standard of care. If we cannot accommodate you in the August 2026 intake, we will tell you and offer the next available intake.
• Dates may shift. If the shipping window changes, we will notify you by email and you may cancel with no obligation.

Prices are in Canadian dollars and are one-time enrollment fees unless stated otherwise. Applicable taxes and any shipping are shown before you confirm payment.

• The Household Charter Enrollment — $259. The complete Family Fraud Protection System™ mailed to your home, including the printed kit materials, the Family Verification Phrase System™, the wallet card and kitchen reference sheet, the Digital Setup Guide, and a live Guided Setup session.
• The Private Consultation — $549. Everything in the Household Charter Enrollment, plus an extended private session with deeper household-specific review and tailored recommendations.
• The House Call — $999. Everything in the Private Consultation, delivered in person at your home. Availability is limited to the Vancouver Lower Mainland.

Each enrollment includes the first 12 months of Managed Household Defense. After that period it continues at $35 per month only if you choose to keep it, and you may cancel at any time. Session format and length vary by tier. We may improve or substitute individual components of a kit with items of equal or greater value.

During Guided Setup you remain in control of your own devices and accounts — your device, your clicks. We never log into your bank account and we never ask for banking credentials, passwords, PINs, or your Social Insurance Number. Your Bank Setup Checklist is yours to take to your own bank.

Please give us at least 24 hours notice to reschedule a session. Missed sessions without notice may be rescheduled at our discretion.

• Before payment: cancel your reservation at any time, for any reason, at no cost. Email us and we will remove you from the intake list.
• After payment, before your kit ships: full refund on request.
• After your kit ships: if you are not satisfied, contact us within 30 days of delivery. We will refund the enrollment fee less the cost of any Guided Setup session already delivered and any non-returnable printed materials. Return shipping for unused kits is at our cost.
• Managed Household Defense: cancel at any time. Cancellation stops future monthly charges; we do not refund partial months already billed.
• If we cannot deliver what you paid for, you receive a full refund.

Refunds are issued to the original payment method through Stripe, our payment processor, and typically appear within 5–10 business days.

The kit materials, assessments, checklists, and guides are for your household's personal use. Please do not resell, republish, or redistribute them, or use them to deliver a competing service, without our written permission. The Fraud Doctor™, Family Fraud Protection System™, Family Verification Phrase System™, and STOP · VERIFY · CALL™ are our trademarks and remain our property.

Do not use the site to submit false information on someone else's behalf, or attempt to disrupt or gain unauthorized access to our systems.

The Fraud Doctor™ provides fraud preparedness education and tools. We do not and cannot guarantee that you, your household, or any family member will not be targeted by or fall victim to fraud. Fraud tactics evolve constantly, and no system, checklist, or training eliminates risk.

Nothing we provide is legal, financial, tax, medical, or clinical advice, and we are not acting as your lawyer, advisor, or fiduciary. Readiness scores and assessment results are educational indicators only. For decisions with legal or financial consequences, consult a qualified professional, your bank, or the appropriate authority.

We are not a law enforcement agency and we do not investigate, recover funds, or act on your behalf with banks, credit bureaus, or police. References to consultation with risk and law enforcement advisors describe how our framework was developed and do not imply endorsement by any organization.

To the fullest extent permitted by law, our total liability arising out of or relating to these terms, the site, or any product or service is limited to the amount you actually paid us in the 12 months before the claim. We are not liable for indirect, incidental, consequential, special, or punitive damages, or for losses caused by fraud committed by third parties. Services and materials are provided on an "as is" basis without warranties beyond those that cannot be excluded under applicable law. Nothing in these terms limits rights you have under British Columbia or Canadian consumer protection law that cannot lawfully be limited.

We use a small number of providers to run the business, including Stripe for payments, a cloud database and authentication provider, and an email delivery provider. Their own terms apply to their services. We are not responsible for the content or practices of external websites we may link to.

When you reserve a place or submit an assessment, we email you the results, confirmations, and intake updates related to your request. Scam alerts and the Monthly Scam Briefing are optional, and every one includes an unsubscribe link.

How we collect, use, and protect your information — and the things we will never ask you for — are set out in our Privacy Policy, which forms part of these terms.

We may update these terms as the service evolves. The version posted on this page at the time you confirm an enrollment is the version that applies to that purchase. If we make a meaningful change, we will update this page and, where appropriate, notify members by email.

These terms are governed by the laws of the Province of British Columbia and the applicable laws of Canada. Any dispute will be handled by the courts of British Columbia, and you and we agree to that jurisdiction. We would much rather resolve things with a phone call first — please contact us before anything formal.