Available Accounts” means accounts held with CIBC which we allow you to use for the purposes of the Services. There is a wide variety of cover colours and vibrant limited edition themes to accompany you throughout the year, as well as our personalisation service to add a unique message to the cover of any hardcover or softcover Classic Planner. All our diaries also contain useful planning tools such as month-by-month year calendars, travel tools and measures and conversions.

Services” means the features, various tools and functionality set out in the Services Section of the Terms and include CIBC Smart Planner, Insights and other financial tools that we may make available through CIBC Mobile Banking and CIBC Banking Centres.

Se Rosa gennemgå hvor hurtigt du kommer i gang med din vagtplanlægning.

You” and “your” means the person who is using CIBC Smart Planner, Insights, Services or other financial tools we make available from time to time. Two key Services currently provided include CIBC Smart Planner and Insights. We will also provide more budgeting tools and other financial advice tools as our Services evolve. It has guide questions to help you explore and establish your goals, as well as a plan for how to accomplish them.

Except for residents of Quebec: (a) the Terms are governed and interpreted in accordance with the laws of the province of Ontario and the applicable laws of Canada; and (b) you agree to submit to and be bound by those laws and the courts of Ontario in the event of any dispute relating to the Terms. If you wish to terminate Insights, please turn off Insights on your Settings screen in Mobile Banking. If any provision of the Terms shall be held to be illegal, invalid or unenforceable by a court of competent jurisdiction, the remaining terms shall remain in full force and effect.For residents of Quebec: (a) the Terms are governed and interpreted in accordance with the laws of the province of Quebec and the applicable laws of Canada; and (b) you agree to submit to and be bound by those laws and the courts of Quebec in the event of any dispute relating to the terms. Any judgment we obtain will not affect your obligations under the Terms.

We are providing you with CIBC Smart Planner, Insights and the Services on an “as is” and “as available” basis and do not make any representations or provide any warranties concerning them. Without limiting the foregoing, we expressly disclaim all warranties, with respect to CIBC Smart Planner, Insights and/or the Services. No advice or information obtained by you from us through or from CIBC Smart Planner, Insights and/or the Services will create any warranty not expressly stated in the Terms. We do not provide tax, legal, or investment advice, or investment brokerage services through Insights or the Services, and you may not rely on it for any such purpose. You are responsible for your choices in using any recommendations made in conjunction with CIBC Smart Planner, Insights, the Services or Account Information. Under these Terms, the Services include the features, functionality, content and information provided by us through CIBC Mobile Banking and at CIBC Banking Centres and include any services that may be provided by our third-party service providers. Don't forget that all our Classic Planners can be personalised with a word or message on the cover. A personalised diary is unique to you, as well as being a great way to create a special gift. You can also customise your planner with pins: we have a selection of charms with either letters or symbols designed to attach to the elastic closure to add some personalised sparkle.If you want to make more of a statement, take a look at our limited edition planners. Choose a theme to accompany you and your plans this year. The artwork on and in each planner is carefully chosen to celebrate stories, characters and moments of cultural significance from around the world. This elegant template might be what you need for goal setting if you love the color gray. It is intended for use in a team setting, but it can also be tweaked for personal use.