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 enrolling in a protection option, 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.

Enrolment is open now, and is a completed purchase made online:

• Payment is taken at enrolment. Payments are processed by Stripe. We never see or store your card details.
• Prices are in Canadian dollars and include standard tracked shipping to Canadian provincial addresses. Expedited delivery is an optional paid upgrade, and deliveries to Yukon, the Northwest Territories, Nunavut or carrier-designated remote postal codes carry an additional charge shown at checkout before you confirm payment. Applicable sales taxes are additional and are also shown before payment. We do not accept international orders at this time.
• Kits begin shipping in October 2026. After enrolment we contact you to confirm shipping and schedule your Guided Setup.
• Places are limited by capacity. Guided Setup sessions are delivered by a real person, so enrolment is capped to protect the standard of care. If we cannot accommodate you in the current month, we will tell you and offer the next available date.
• 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 enrolment fees unless stated otherwise. Applicable taxes and any shipping are shown before you confirm payment.

• Guided Group Setup — $259. The complete Family Fraud Protection System™ mailed to your home, including the printed kit materials, the wallet card and kitchen reference sheet, the Digital Setup Guide, and a live Guided Setup session.
• Private Household Setup — $549. Everything in Guided Group Setup, plus an extended private session with deeper household-specific review and tailored recommendations.
• Extended Private Programme — $999. A private one-to-one programme with The Fraud Doctor, covering every adult in the household, including a personalised written household protection plan.

All included sessions are delivered online. In-person visits are not included and, if offered, are quoted separately.

Guided Group Setup and Private Household Setup each include one month of Fraud Doctor Membership. The Extended Private Programme includes three months. The included period begins on the date of your first Guided Setup session and does not automatically become a paid subscription. Before it ends you may choose to continue at $19 CAD per month, or $190 CAD per year paid in full (Get 2 Months Free). No plan is preselected and nothing is charged without your affirmative consent — if you do not actively select a continuation plan, access simply ends. Membership may also be purchased on its own, in which case it begins and is billed immediately and renews until cancelled. 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.

Each option combines a physical kit that ships to you with a live session that is delivered by a person, so what you receive back depends on where you are in the process. Our full Returns & Refund Policy sets this out in full.

• After payment, before your kit ships: full refund on request, for any reason.
• Kit delivered, seal intact, session not yet delivered: refund of everything except a $35 restocking and return-shipping fee if you request it within 30 days of delivery and return the unopened kit. Even an unopened kit requires a new box and outbound shipping for the next household.
• Kit opened, session not yet delivered: refund less a $59 materials fee, because opened printed materials cannot be reissued. Once Only one deduction ever applies — the $35 and $59 amounts are not combined.
• After your Guided Setup session has been delivered: the session cannot be returned, so no cash refund is issued at that stage. Our Setup Completion Promise applies instead: if the checklist could not be completed because the scheduled session time was insufficient, we provide one designated completion clinic (Guided Group Setup) or one additional 30-minute completion appointment (Private Household Setup and Extended Private Programme) within 30 days, at no additional charge.
• Fraud Doctor Membership: the included month is never converted into a paid subscription automatically. Monthly membership may be cancelled at any time; cancellation stops the next renewal and access continues to the end of the period already paid for. Annual membership renews unless cancelled; we send the required renewal notice between 30 and 60 days before an automatic annual renewal, and any refund required by law after a renewal is calculated on the unused portion of the renewed term.
• If we cannot deliver what you paid for, you receive a full refund, including any shipping you paid.

Refunds are issued to the original payment method through Stripe, our payment processor, and typically appear within 5–10 business days. If something has genuinely gone wrong, contact us — we would rather fix it than argue about a policy.

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™, 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.

Our free Scam Checker (Beta) is an AI-assisted educational screening tool. It can identify common scam wording and pressure tactics, examine visible sender names and pasted link patterns, provide STOP · VERIFY · CALL™ steps, and report whether an enabled link-reputation provider completed a check. It cannot verify the identity of a sender or caller, prove that a message or website is legitimate, confirm ownership of a phone number or email address, inspect email headers, attachments or malware, or guarantee that a new scam has already been reported. If money, account access or personal information is involved, verify independently before acting.

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 enrol or submit an assessment, we email you the results, confirmations, and programme 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 enrolment 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.