Prerequisites: A high school diploma or equivalency is required for all Knowledge Bureau programs. It is recommended that students have at least one year experience working in the tax accounting or financial services industry. Strong English language and financial literacy skills is required as all programs feature online courses. 

FUNDING AND TUITION CREDITS

Knowledge Bureau programs qualify for a number of federal and provincial grants and loans.  See Funding Options and Tax Credits for details.

EDUCATIONAL DIVISIONS

Your professional education with Knowledge Bureau is organized into three training divisions. You may choose to select courses from any of them.

CONTINUING PROFESSIONAL DEVELOPMENT DIVISION
CE MASTER CERTIFICATES

CE Master – Professional Tax  Associate Certificate – An executive personal tax update program designed for professionals working at any level of the tax, accounting or financial services who want to reacquaint themselves with the most recent personal tax laws and hone their skills preparing true to life case studies on student versions of professional tax software.  Available online – 20 CE/CPD hours.

CE Master – Professional Practitioner Certificates – These 30 hour vocational certificate courses are found in the Distinguished Master Advisor (DMA) Specialist™ program and can be taken one certificate course at a time for CE/CPD Credit.

CE Master - Financial Certificate – Designed for professionals who want to hone professional skills providing financial or wealth management services to their clients while earning professional CE/CPD Credits. Select short online courses (1 hour), of special interest to business owner-managers or individuals who want to improve their tax and financial literacy.

CE Master - Summits Certificates – Live virtual events designed for CE Credit purposes as well as technical skills development, drill down on issues of interest to tax, accounting and financial professionals. Also accredited by third party accreditors for professional development credits. Available live or recorded – 20 CE/CPD hours.

CE Master Certificate of Distinction– Acuity Conference – Awarded to graduates of the Acuity Conference.

SPECIALIZED CREDENTIALS DIVISION

Designation Programs:  DMA-Specialist™. Students may enter the DMA-Specialist designation program, either directly or indirectly (one certificate course at a time), to learn a body of knowledge leading to expertise in an area of technical specialization.

DMA-Specialist™:  Expand technical expertise.  Minimum entry requirement is a high school diploma or equivalency for indirect entry into the program, as outlined above.  For direct entry the following qualifications:

• least one year of either post-secondary education in the fields of accounting, economics or finance; or
• experience/mentorship working in a professional tax or financial practice; or
• equivalent international experience or mentorship.

Practitioner Diploma Programs: Earn a Diploma in each DMA-Specialist™ pathway by completing the first 3 courses in the program.

Senior Tax Specialist Diploma. Successful graduation from 5 consecutive CE Savvy Summits. Recommended pre-requites: A Professional Practitioner Diploma or Designation.

Leadership Programs. Students may also enter two leadership designation programs directly:

• The MFA-P™ Philanthropy Program – designed for financial advisors who want to elevate their practice by integrating strategic charitable giving into their client conversations and broader financial planning strategies. Offered by Knowledge Bureau, the Canadian Association of Gift Planners (CAGP), and Spire Philanthropy, the program equips advisors with the knowledge, tools, and confidence to help clients align their financial goals with their philanthropic aspirations.
• The RWM™ Real Wealth Manager Program – is designed for leaders in organizations that offer a family office concept in their professional practices, engaging inter-advisory solutions to intergenerational tax and wealth management needs.  This crucial advisor then works collaboratively with the professional team to recommend high end solution on an after-tax basis.  This program is recommended as the next step for DMA-Specialists™ and MFA-P™ graduates. 

WORKPLACE TRAINING DIVISION

Knowledge Bureau’s programs may be customized to provide training solutions at both the individual and organizational level, in your office 24/7, start anytime. Firms benefit from a structured approach to professional development that supports performance, retention, and long-term skill building. We can help you train your new and returning employees to meet the growing the demand that you face in building a sustainable and thriving organization.  Outcomes:

• Highly trained teams ready to meet complex client needs
• Certified cutting-edge competencies in tax, accounting, and financial services
• Enhanced professionalism with consistent high-quality outcomes
• A culture of continuous learning that supports performance, retention, and long-term skill building.

Group Rates. Please set up an appointment with one of our highly trained educational consultants for a free educational mapping process – it takes about 30 minutes – to help you develop your organization’s training path, budget and group discount solutions. 

Call 1-866-953-4769 or contact us at learn@knowledgebureau.com and put Workplace Training Map in the subject line. 

GRADUATION

All programs require a 60% pass mark.  Honours are achieved with a 90% Passing Grade or higher. We acknowledge Honours with a Gold Bar status on their Graduation Certificates. 

THIRD PARTY ACCREDITATION

Knowledge Bureau is a post-secondary educational institute that is a credentialing body for the programs outlined above.  In addition, some of its programs qualify for third party accreditation.  Please see Accreditation for details.

View PDF Standards of Conduct

Knowledge Bureau designates have entered an academic pathway to acquire a deep and broad body of knowledge that is current to the issues that matter in the lives the multi-stakeholder environment they live and work in.

Holders of registered marks licensed by Knowledge Bureau also commit to holding themselves to a high standard of professional conduct and continuing education after graduation. It is a commitment to professionalism that our graduates in our network of specialists are proud to attest to.

The process for re-licensing the use of their designation marks is an annual process. The academic year for these purposes is July 1 to June 30.

View PDF Standards of Conduct

Students may take online courses within an academic path that leads to the earning of a Certificate of Achievement (one course at a time; up to 3 months per course); a Practitioner’s Diploma (three courses; up to 9 months total) or choose from several available designation programs (six courses; up to 18 months total).

Certification and Designation. Knowledge Bureau awards certificates to graduates who have demonstrated verifiable workplace skills in their individual vocations. Students may also enter a designation program, either directly or indirectly, to learn a body of knowledge leading to expertise in an area of specialization.

Designation Program Selections. Successful graduates demonstrate they have met knowledge proficiencies, ethical and professional standards by successfully passing skills-based examinations. Knowledge Bureau students are licensed to use the following marks:

RWM™-Real Wealth Manager - Graduates of this program hold themselves out as the steward of a multi-generational plan attended by a team of professional advisors to meet the needs of a family stakeholder group. Direct entry only.

DFA-Personal Tax or Accounting Services Specialist™ - Graduates of these two areas of specializations hold themselves out in the marketplace as personal tax or accounting advisors with deep, specialized expertise in tax preparation (personal, proprietorships, trusts), bookkeeping and accounting services. Direct or indirect entry. Requires 6 30-hour courses.

DMA-Corporate or Retirement and Estate Services Specialist™ - Graduates of these two programs specialize in in tax, retirement, and estate services for owner-managers within a holistic wealth management framework. Direct or indirect entry. Requires 6 30-hour courses.

DMA-Business Planning Specialist™ - Help develop business and succession plans as well as foundational policies and procedures to position the firm to scale. Learn more about business contract law, privacy and security matters critical to business success. Direct or indirect entry. Requires 6 30-hour courses.

MFA-P™-Philanthropic Services Specialist - Graduates of this program work in a collaborative team (charity, financial advisor, accountant, legal advisor and client) to development and monitor strategic philanthropic giving. Direct Entry Only.

FDFS-Fellow of Distinguished Financial Services™ - These professionals are recognized for their outstanding contribution to their field of specialization through the acquisition and stewardship of knowledge skills, ethical and regulatory compliance and mentorship of others. You may apply for fellowship after the achievement of the following:

1. Designation with Knowledge Bureau, in one of the programs above.
2. Educational mentorship path: volunteering to do each of the following within one academic year, July to June:
   1. Beta testing of one certificate course (15 hours)
   2. Writing of 10 articles in your area of specialization for Knowledge Bureau Report (6 hours)
   3. Webinar presentation for 5 online courses (5 hours)
   4. Total: 30 hours qualifies for Knowledge Bureau CE Credits

Teaching pathway: Presentations at 4 CE Summits (2-1 hour sessions). 30 CE Credits

Course Components and Personalized Student Support Included. All study materials, lesson plans, Knowledge Journal, software, applicable financial calculators, quizzes, instructor support, use of the extensive research library, Evergreen Explanatory Notes is included in the tax deductible tuition fees, as well as a complimentary subscription to Knowledge Bureau Report, to stay up-to-date with breaking tax and economic news.

Educational Support Services. Students may tap into personal email support from faculty members; a reasonable number of questions are included at no extra charge. In some cases, students require more support and may opt to pay for tutoring or attend the CE Summits, workshops or conferences offered by Knowledge Bureau for peer-to-peer networking and live/virtual instruction.

Practice Management Framework. Designates are trained in the Real Wealth Management™ framework, which teaches a strategy for multi-disciplinary collaboration with other professionals and a consistent process to enhance the Know Your Client process used in the financial services. This enables the development of a strategic approach to joint decision-making with clients in providing tax, retirement, estate, succession and other required financial services. The RWM™ processes focuses on four pillars of practice: the accumulation, growth, preservation and transition of sustainable family wealth, which is defined to mean, after taxes, inflation and fees.

Standards of Conduct. Holders of registered marks licensed by Knowledge Bureau are held to a high standard of professional conduct and continuing education requirements after graduation. To that end, it is necessary to relicense the use of their designation marks on an annual basis. The academic year for these purposes is July 1 to June 30. See Standards of Conduct.

Open architecture learning environment
Knowledge Bureau is pleased to offer students an “open architecture” learning environment. Students may work at their own pace within the maximum timelines described below. The student may also choose a pathway to designation that includes blended learning programming: a combination of online and live/virtual events to fulfill their requirements.

Study terms and course completion obligations

Early registration deadlines are provided to prompt students to enrol and finish courses in each of four seasonal sessions. A maximum of 3 months is allowed for completion of each individual course. Extensions are available after this period.

Access to Personalized Instruction
The onus is on the student to complete courses on time and to contact us for help with questions using their Help Button in the Virtual Campus. Please contact us immediately if there is any problem with our courseware or services, so that we may provide corrective action. The instructional assistance is provided, within reason, at no extra charge to the student. Before making an inquiry the student is responsible for reading any updates to the courseware on the Virtual Campus, in the free subscription to Knowledge Bureau Report and in the EverGreen Explanatory Notes Research Library. Instructors will decline providing answer keys to students, and if the instructor deems there have been an unreasonable number of requests for assistance or answers, tutoring sessions will be recommended.

Tutoring Sessions
If, at the discretion of the instructor, or the request of the student, the volume of student support questions appears excessive, tutoring sessions may be arranged at a charge of $195 per hour, with minimum 1⁄2 hour increments. Contact the Registrar to schedule the sessions and for payment.

Extensions
Students of online certificate courses may request extensions at the end of each study period of three months. Extensions may be purchased at a cost of $495 for an additional 3 months, or $175.00 for an extension of 1 month.

Resumed Studies
Students who wish to resume their studies after an absence of more than 6 months must pay a resumption fee of $395 to be put back into their program and resume their studies.

Testing and Passing Mark
All online courses feature examinations that can be done in home or office. They are “open-book” style tests and a minimum 60% pass mark is required in every course for certification.

Rewrites
One rewrite attempt will be allowed within a month of unsuccessful testing. Rewrite fees are $295 per exam.

Standards of Conduct
Designates are granted the permission to use Knowledge Bureau’s Certification Marks behind their name, on their business cards and letterhead. This license for use must be renewed annually by the Standards of Conduct, specified in the above Standards of Conduct section.

Getting Started
Self-study students may begin their program at any time, all year long, and enrol risk free with our Money Back Guarantee: we offer a free trial for the first chapter in your first course which allows you to determine whether the program is for you. After this, you are considered to have enrolled in the program and there are no refunds.

Personal Consultation, Instructor, Orientation or Group Study Start
Knowledge Bureau self study courses allow you to develop your own course work plan. Your registration includes access to a Personal Educational Consultant, who will provide a personal orientation tour when you start your program, and introduce you to your online access to your instructor through your exclusive access to your online learning environment.

Your individual course orientation will be scheduled at your convenience, or you can join a national group study, in which all team members from one office start at the same time in the same course.

EZ-Pay Instalment Plans
Please call our registrar toll free at 1-866-953-4769 to arrange a monthly instalment plan or follow the online instructions.

NOTE: Instalment plans are based on a 3 month per course work plan. If your course work plan is accelerated, you may be required to make additional payments before the release of the next course in your program. Payment plans may be revoked if your payments fall in arrears and your instalment privilege fee will be withheld. In addition, you may be charged an additional $45 NSF fee.

Registration, Certification and Cancellation
Included in the registration fee for the CE Summits is the cost of CE accreditation and certification, at the workshop and reference resources.

CE accreditation and certification credit hours are determined by attendance. For specific CE accreditation requirements, please contact Knowledge Bureau at 1-866-953-4769. Workshop registration fees are non-refundable, except in the case of severe hardship, where a 30% cancellation fee will apply. Penalty fees may be applied for full credit to any other Knowledge Bureau program for a period of one year.

Payment: VISA or MasterCard are the preferred methods of payment. If paying by cheque, please post-date cheques accordingly and submit to:

Knowledge Bureau, 187 St. Mary’s Road, Winnipeg, MB, R2H 1J2

Please see the DAC Acuity Landing Page for the most current agenda and detailed information about speakers, topics, dates and times as well as hotel registrations. Please review the policies and procedures below carefully.

Registration, Accreditation and Cancellation

Included in the tuition fees for individual delegates registered at the Acuity Conference for Distinguished Advisors (DAC) is:

• attendance for the three days of sessions, as outlined in the official DAC agenda, plus:
• the cost of CE/CPD accreditation with Knowledge Bureau and selected third party accreditors, (see below)
• certification which includes access to the VIP Affinity program benefits and a beautiful ready-to-frame certificate, provided the evaluation/testing is completed for each session at the event.
• Attendance at opening reception and Sunday Graduate Awards celebration and Monday evening Gala dinners, hot breakfasts, and mimosa breaks, all as described in the agenda.
• Delegates will have access to content/reference resources, which include the DAC Report and access to online materials, including speaker presentations, biographies and sponsor podcast interviews.

Spousal Program. Spouses who work in the same business with advisors and/or require CE/CPD accreditation must register as a Team Member at preferred rates. Otherwise, spouses who register at the Spousal Rate may attend all events but will not be receiving CE accreditation or certification. There will be no splitting of the spousal fees for any one aspect of the DAC. Under no circumstances will spouses be allowed access at any of the networking events without registration in the Spousal Program and payment of the fees.

Group Rates for Tuition Fees
Companies often send teams of people to the DAC. These teams qualify for our preferred team member rates. An additional group discount rate is achieved after the first 2 registrants are enrolled and paid or in the case of certain sponsorship levels. Best rates for conference attendance can be received for the group by the early bird deadline dates noted on the conference application forms. Spousal fees and taxes are extra.

Sponsor Fees
Sponsorship generally includes complimentary registration for a limited number of delegates. These delegates must register using the same procedures as all other delegates and their spouses and are subject to all the same policies and procedures.

CE/CPD Accreditation and Certification
CE/CPD credit hours earned are determined by attendance at the events. It is required that testing/evaluation summations are completed online and signed, for these purposes at the end of each day.

Failure to do so may result in disqualification from certification from Knowledge Bureau, as required for continuing education requirements of the RWM™, MFA-P™, MFA™ and DMA- or DFA-Specialist™ programs, most other third party designations, and some provincial insurance councils. Depending on the needs of the audience, Knowledge Bureau will apply for pre-accreditation from certain third party professional organizations such as IIROC/MFDA. One hour per hour of instruction is granted as a CE Credit as a general rule.

Not included
The following is not covered in the DAC registration fee: the cost of flights, ground transportation, hotel rooms, entertainment other than as described in the official DAC agenda, tips, porters, parking, personal injury or loss/liability of any kind, including sickness or cancellation insurance, any loss due to uninsured sickness of any kind, allergic reactions, accident or death, and any other optional activities which may have been planned for the group such as pickleball, golfing, spas, tours or group evening or meal events, and any meals outside of the official DAC conference-specified agenda.

Disclaimer
Knowledge Bureau, its owners, speakers, employees, subcontractors or any member of the organizational team cannot take any responsibility for any personal injury, affliction, accident, or financial consequences of any kind due to registration and attendance at the DAC event whatsoever and attendees are herewith notified thereof. Please protect yourself accordingly using appropriate insurance, and risk management measures.

Hotel Room Block Rates and Length of Stay

Consult the official DAC Conference site for details and to register. The conference room block featuring low conference rates has been negotiated on a first come, first served basis. Early registrations at the hotel are recommended to secure the best rooms at the best rates.

Special Diets
We try to accommodate special food requests, but those highly allergic to most foods normally served to groups or those with very limited diets must make own food arrangements.

Sponsors and Speaker/Sponsors 
We are grateful for the commitments made by our sponsor partners to DAC in providing financial and programming support.

Sponsorship can include appearance on the Educational Agenda as a visiting Faculty Member. Knowledge Bureau works with its Faculty to finalize topics and their place on the agenda, all scoped within continuing educational programming requirements and timeframes. Inability or unwillingness to follow these requirements puts the conference at risk. This many result in removal of the Faculty member from the program. The final decision-making process rests with the Program Director.

Knowledge Bureau also requires submission of company and Faculty Biographies, corporate logos and links to company websites within the timelines outlined in the agreements it has with Faculty and Sponsors. Failure to do so will limit exposure in marketing campaigns, for which Knowledge Bureau can take no responsibility.

Timely submission results in extensive coverage of participation as a Faculty Member, and of Sponsor logos and web links on the Knowledge Bureau website. Also included is national exposure in social media, weekly Knowledge Bureau Report publications, two CE Savvy Summits (May and September), the opportunity to appear on the Real Tax News Podcast, which provides an enduring benefit of the topic for multiple audiences leading up to the conference, within the DAC online environment used by all delegates, as well as post-conference. As well there is recognition of participation and branding, throughout the conference itself and in post-conference thank you messaging.

Sponsorship generally includes complimentary registration for a limited number of delegates. These delegates must register using the same procedures as all other delegates and their spouses and are subject to all the same policies and procedures.

Refund Policies

Sponsors

There are no refunds for Sponsorship of any Knowledge Bureau courses or events.

Delegates
Conference registration by team members at team member rates and any spousal program fees are non-refundable. In the case of severe hardship (illness, injury, disability or death of a family member) a credit for 50% of the fee may be applied to other Knowledge Bureau Programs for a period of one year from date of cancellation.

Refunds— Hotel
Hotel rooms refunds must be negotiated directly with the hotel. see current year DAC Conference site for additional information.

Knowledge Bureau is pleased to provide its potential new students with a risk free enrolment policy. Depending on your program choices, you will have the opportunities to decide whether a Knowledge Bureau Education is right for you. Here is how it works:

Personal Selection Service. At any time, you can discuss your queries about the programs with an experienced educational consultant. Simply email registrar[at]knowledgebureau.com. We will call you back at a time best for you to help you make your selections.

Free Trials. We invite you to try selected programs before you register. This is important as, after you enrol, there are no refunds.

Switches to another Course or to your Colleague. This is possible at no charge within 2 weeks of registration.

Please read the following carefully:

CONTINUING EDUCATION

One Hour CE Modules – : You are invited to select a series of continuing education modules for your continuing professional development. There are no refunds for micro-credential programs.

Note: There are no refunds for the subscription services.

CE Summits: Add a virtual instructor-led event to your online studies. We are sure you’ll love the topics and our instructors are really interesting. Note: There are no refunds to the events you have registered in. A credit for an equivalent amount may be applied to other educational programs at Knowledge Bureau.

SPECIALIZED CREDENTIALS

Students must agree to these academic policies before course entry.

Students may participate in a risk-free trial of the first chapter of a certificate course for seven days prior to registration. We invite you to discuss your needs through an appointment with our highly training Educational Consultants.

Full Refund

There are no refunds after seven days from initial registration, or if you start chapter 2.

After this: here are the refund policies:

Switches and Transfers: The opportunity to switch or transfer out of the program to another program at no extra charge within the first 7 seven days.

After seven days from registration, or in the event the student has progressed beyond the first chapter, there are no refunds.

Hard Copy. Fees paid for any hard copy materials are non-refundable.

Study Terms. For each certificate course, you have 90 days.

Extension Requests. An extension request may be made if the student has not been able to complete the program of studies in the allotted time frame:

• One month extension: $175 plus taxes
• One study term (90 days) $495

Financial Hardship Requests. Students may request an instalment plan. A fee of $45 per course is applied. There are no refunds.

Medical Hardship Requests. To consider a medical hardship request, the request must be received as follows; there is no grace period for missed deadlines:

• within 30 days of the start of the current study term (90 days) in the case of certificate courses and

• within 90 days of the start of any designation program.

Medical hardship is defined as severe hardship which markedly restricts the student’s ability to complete their study term (90 days). This includes: illness of the student, illness of an immediate family member or death of an immediate family member.

Required: Two letters scanned to the attention of the Registrar:

1. Letter from a licensed medical practitioner addressed to the Registrar (registrar[at]knowledgebureau.com) outlining reasons for the medical hardship request. Medical practitioner is to provide the following information:
   1. Nature of the medical condition which causes the student to be markedly restricted so as not to be able to finish their course of studies.
   2. Expected duration of the condition.
2. Letter from employer or government granting body that reimbursed tuition fees have been returned by the student.
3. Return of tuition fee receipt issued by Knowledge Bureau. Student is required to adjust their tax return if tuition fee credit or training expense write-off was taken.

Remedies. Assuming the criteria above is met, at the discretion of the Registrar, one of three options are granted:

1. Medical Hardship is expected to subside. Course completion deadlines will be extended at no charge to the next study term (90 days in the case of a certificate course).
2. Alternatively: Students may transfer their program to another person (within one month of notice to discontinue) with no additional transaction costs.
3. Prorated Refunds. If options one and two are not suitable, a pro-rated refund may be issued, as follows.
   • Refunds will be pro-rated based on actual or deemed progress in the study term, whichever is greater.
   • Refunds will normally be issued within 30 days of withdrawal approval. A withdrawal fee of $50 (plus taxes) will be applied.

The decision of the registrar is final.

NSF Cheques or Declined Credit Card Fees

A $45 fee will be assessed on each NSF cheque. Declined credit card charges: please contact us with a valid credit card to avoid a any penalties.

Credit for Withheld Fees

A credit for withheld fees may be applied to other educational programs at Knowledge Bureau, at the discretion of the registrar, for a period of 3 months.

A copy of the Tuition Withdrawal Request form can be found here.

Welcome to Knowledge Bureau website which is operated by Knowledge Bureau, Inc. By visiting and using this web site you will be accepting these Terms of Use, which you should read carefully. Do not use this website if you do not agree with these terms, which may be changed by Knowledge Bureau, Inc. at any time. Visit this portion of the site often to refresh your knowledge of these terms of use.

Note that we cannot guarantee uninterrupted or error free access to services and disclaim any responsibility for guaranteed, uninterrupted or error free services. However, we are committed to the highest quality services and welcome your comments for required services, errors or omissions to be corrected.

Please contact us by email: admin@knowledgebureau.com with those comments. We reserve the right to discontinue or modify any portion or feature of this site or services at our discretion and without notice.

We also do not provide any advice on legal, financial, tax, insurance, compliance or any other professional or investment services, which require individual and customized advice from a qualified professional and therefore disclaim responsibility for any actions taken by any individuals as a result of the use of any of the intellectual properties published by Knowledge Bureau, Inc. including any and all components of this website.

Knowledge Bureau is the exclusive credentialing and licensing body for multiple industry designations: MFA™ Master Financial Advisor, RWM™ (Real Wealth Manager), the DMA-Specialist™ (Distinguished Master Advisor – Personal Tax Services Specialist, Accounting Services Specialist, Retirement Income Services Specialist, Corporate Tax Services Specialist and Small Business Management Specialist), the MFA-P™ (Philanthropy), the DFA-Specialist Programs and the FDFS™. We are also the founders and home of the Society of Real Wealth Managers™.

©2026 Knowledge Bureau, Inc. All rights are reserved. No part of this work—print, audio or online—INCLUDING all content, charts, data, logos, art, videos, design, architecture, articles, quotes—may be reproduced or transmitted in any form or by any means, or stored in a data base and retrieval system, without prior written consent from Knowledge Bureau, Inc. Under no circumstances may any content or derivative thereof be used for commercial use, nor may it be merged, distributed, modified or incorporated in whole or part without permission from Knowledge Bureau, Inc. For further information or to request permission for reproduction call us at 1-866-953-4769 or by email at admin@knowledgebureau.com. Educational Institutions should contact their CANCOPY license administrator for information about licensing agreements.

Use of AI. In accepting registration with Knowledge Bureau, students are prohibited from feeding any course material or components with which they come into contact into public or third-party AI models.

We actively enforce existing copyright and trademark laws including against any persons or AI entities that use, reproduce, or distribute our protected works without permission. To seek permission, contact us at 1-866-953-4769 or learn.knowledgebureau.com.

Required Acknowledgements/Notification of Use: When you respect our copyrights, we can reinvest in new programming in the future for you. That’s a win-win. Copyright infringement also breaks the law. We protect our copyright vigilantly and will prosecute those who use it without permission. For more information on our privacy policies and disclaimers, see Policies at www.knowledgebureau.com

Use by Students Other than for Study. Any users of the information published in an educational component or product by Knowledge Bureau must confirm use and date of use in advance. Articles in Knowledge Bureau Report, which is a component of our courses, may be emailed to clients of students but only with required permission, a link to our disclaimers and acknowledgement: © Knowledge Bureau, Inc. All Rights Reserved. Used with Permission. Call us at 1-866-953-4768 to reserve reproduction rights.

While studying with us, students may use the tools and resources supplied by Knowledge Bureau in their work with clients (please see Disclaimers).

Commercial Use: Knowledge Bureau charges a fee for commercial use of any of its copyrighted content including all information included in its courses, workshops, newsletters, research libraries, software, calculators, audio recordings, PowerPoint presentations, pictures, biographies, educational architecture and methodology, charts, logos, online environments, articles, blogs, videos, web or publishing architecture, research data, etc. Please contact admin@ knowledgebureau.com for such permission and quote for fee payment.

Use by Media, Radio or Television: Any direct information quoted from any Knowledge Bureau resource must be accompanied by the following

©Knowledge Bureau, Inc. All Rights Reserved. Used with Permission

Licensors: In using the intellectual property of Knowledge Bureau, THE LICENSOR (and any of its Enrolled Participants) AGREES: The components of this course are not to be shared with another user in the absence of signed arrangements made for multiple user licensing. Under no circumstances may the contents of any course of studies— printed live, virtual, or self-study or any other format—be reproduced or used by multiple users for any purpose without prior written consent. In participating in this program, you agree that the copyright in all intellectual properties owned by the Knowledge Bureau will be respected and any reproduction will be subject to permissions set out by the company.

Educational Institutions must contact Knowledge Bureau for reproduction permission.

This Privacy Policy describes how your personal information is collected, used, disclosed, and safeguarded when you visit or make a purchase from our website, enroll in our online courses, or use our digital services. 

Our privacy practices comply with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA).

Last Updated: November 2026

1. Accountability & Privacy Officer

We are responsible for the personal information under our control. We have designated a Privacy Officer (referred to under Quebec Law 25 as the Person in Charge of Personal Information) to oversee our compliance with applicable Canadian privacy laws.

For any questions, corrections, or access requests regarding your personal data, please contact:

• Attn: Alan Gordon
• Email: alan.gordon[@]knowledgebureau.com
• Address: 187 St. Mary’s Road, Winnipeg MB R2H 1J2

2. Personal Information We Collect

We collect personal information only to provide our online courses, fulfill e-commerce orders, and market our services. 

Account & Student Data:  First and last name, email address, account passwords, industry information, educational requirements and needs, course enrollment history, and learning progress analytics (such as quiz scores, lesson completion rates, and platform engagement).

Transaction & Billing Data:  Billing address, shipping address, and phone number. Payment processing details are managed by our secure third-party processors (Stripe and Moneris). We do not store credit card numbers on our servers.

Technical & Tracking Data:  IP address, browser type, operating system, device identifiers, and information on how you interact with our website via tracking pixels and cookies.

Live Learning Sessions (Zoom): Our online courses may feature live interactive components hosted via Zoom. We do not record students visually during these live sessions. Any collection of video or biometric student data is strictly prohibited within our ecosystem.

3. How We Use Your Information

We use your information under the legal bases of performance of a contract, operational necessity, or explicit consent for the following purposes:

• To fulfill e-commerce product orders and arrange shipping.
• To manage your student profile, track course progress, and issue completions.
• To process secure payments through Stripe and Moneris.
• To communicate with you regarding customer service requests, updates, or account changes.
• To communicate with you regarding educational offers, transcripts and course progress reports.
• To serve targeted marketing and retargeting ads based on your browsing history (subject to your consent choice).

4. Consent and Your Control over Marketing (Retargeting)

We rely on your meaningful, informed consent. 

E-commerce & Course Delivery: Consent is implied when you voluntarily provide information to purchase a product or register for a course.

Retargeting & Tracking Pixels: We utilize marketing pixels (such as Google Ads or Meta Pixel) to deliver relevant, targeted advertisements to you across the internet after you visit our site. In compliance with PIPEDA:

• These tracking mechanisms are turned off by default for users where legally required until you explicitly opt in via our website cookie banner.
• You can permanently opt out of targeted ad structures across networks using the [Digital Advertising Alliance of Canada (DAAC) Opt-Out Tool](https://youradchoices.ca).

5. Sharing and Cross-Border Transfers of Data

We do not sell, rent, or trade your personal information. We share your information with trusted third-party service providers only to run our business:

Payment Infrastructure: Financial transactions are safely offloaded to Stripe and/or Moneris under their respective privacy protocols.

Course & Web Hosting: Data is securely managed through our LMS and web server infrastructure.

Cross-Border Notice: Some of our third-party processors host, process, or store data outside of Canada (such as in the United States). By interacting with our platform, you acknowledge that your data may be subject to the legal jurisdictions, law enforcement requests, and national security laws of those foreign territories.

6. Data Retention and Destruction

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy:

E-commerce Data (with the exception of credit/debit card information): Retained to satisfy tax, audit, and delivery tracking obligations.

Profile Data and Student Records: Retained long-term to ensure continuous access to your purchased training materials and historical learning transcripts. 

If your personal information is no longer required for these purposes, your data will be securely destroyed or anonymized.

7. Security Safeguards

We implement robust administrative, technical, and physical safeguards appropriate to the sensitivity of the data. This includes secure socket layer (SSL) encryption for all transactions, strict internal access controls, and adherence to PCI-DSS payment compliance by our processors.

8. Your Individual Rights (Access & Correction)

You have the right to request access to the personal information we hold about you and to request corrections if any information is inaccurate or incomplete. 

• If you are located in Quebec, British Columbia, or Alberta, you have specific provincial rights to object to automated profiling or request the cessation of dissemination of your data.
• To submit an access or correction request, please email our Privacy Officer directly at the address listed in Section 1. We will respond within 30 days as mandated by Canadian law.

Cookie Policy

This website uses cookies under three main categories: Necessary, Social Sharing and Statistics:

Necessary:

These cookies are required for the basic operation of this website, such as login.  Without them, this website would not function properly.

Social Sharing (optional):

To enable social sharing from the website

Statistics (optional):

These cookies, such as google analytics help us analyze how people interact with the website in order to continuously improve it. This is done anonymously.

At Knowledge Bureau, our courses are designed to be connected to and to communicate information and data via a secure network interface. It is the student’s sole responsibility to provide and continuously ensure a secure connection between the product and Knowledge Bureau’s network or any other network (as the case may be). The student is responsible for establishing and maintaining any appropriate measures to protect their own equipment against any kind of security breaches, unauthorized access, interference, intrusion, leakage and/or theft of data or information.

Knowledge Bureau, its owners, employees, subcontractors, strategic partners, suppliers and affiliates are not liable for damages and/or losses related to such security breaches, any unauthorized access, interference, intrusion, leakage and/or theft of data or information.

Users of the intellectual properties published by Knowledge Bureau, Inc. (including journals, quizzes, research libraries, software, calculators, books, websites, news reports, commentary, podcasts, educational works or any components of the any product families and services of Knowledge Bureau, Inc.) are responsible for their own interpretations and financial outcomes. Please seek legal or other professional advice before acting on any information herein consumed.

The owners, publishers, authors, instructors, speakers, coaches, employees and contributors therefore expressly disclaim all and any liability to any person in respect of anything and any consequence as a result of the use of the works which may be taken through Knowledge Bureau, Inc., including any news releases or news reports or commentary, self-study courseware, live or live virtual workshops, CE summits, conferences, webcasts, podcasts, libraries or other information resource herein referred to or directed to. Knowledge Bureau Inc. makes no representations or warranties with respect to any software used in its programs and accepts no responsibility with respect to its use by the student. Contact software developers for their independent warrantees as may be applicable.

Users of the intellectual properties or any other services of Knowledge Bureau, Inc. are also herewith notified that the company, its principals, shareholders, employees, subcontractors or any other member of the organization are not involved in any aspect of any business conducted by any persons or companies which supplies or offer products or services including investments, software, courseware, information or intellectual property management or coaching services, including resellers of its courseware, and does not endorse any such person or companies or its products or services. Knowledge Bureau, Inc. therefore expressly disclaims any responsibility for any consequence any person or entity has in relation to dealings with any such person or company.

The examples used in the intellectual property published by Knowledge Bureau, Inc. are fictitious unless otherwise stated and any resemblance to real life people, facts or circumstances is purely coincidental. Much care has been taken to trace ownership of copyrighted material contained in this material; however, the publisher will welcome any information that enables it to rectify any reference or credit for subsequent editions and or any errors or omissions that require correction. Please contact the Publisher at 1-866-953-4769 or learn.knowledgebureau.com.

FOOD CONSUMPTION, GROUP EXPERIENCES AT VIRTUAL AND LIVE EVENTS

Knowledge Bureau, its owners, speakers, employees, subcontractors, and any member of the organization cannot take any responsibility for any personal injury, affliction, accident, or financial consequences due to the attendance at any of its live or live virtual events whatsoever and attendees are herewith notified thereof. Please protect yourself accordingly using appropriate risk management measures relating to food consumption, travel and any others experiences you will participate in at these events and ensure you are adequately insured and are covered as required for risk mitigation.

Our Sponsors and Third Party Partners

We are proud of our relationships with sponsors, partners and affiliates, however, we do not specifically endorse any product and are not responsible for the claims or representations made by sponsors, advertisers or third party partners.

Note Knowledge Bureau does not review the products or services of any company mentioned on its site and warns its users to undertake their own due diligence before making any decision to buy products or services. Knowledge Bureau will not take any responsibility or pay for any damages of any kind resulting from use of any products mentioned on our website or as a result of any misuse of any personal information or data submitted by you to any third party.

Prohibited Conduct by Users of This Site
Personal attacks on or abuse of any company, people or administrators of a forum or other group communication.

Postings of any obscene, offensive or unlawful or fraudulent content (including links) or content to be used for unlawful or fraudulent purposes or anything that is defamatory or infringes on any person’s rights or posting of any personal information of any person including yourself.

Posting of any materials containing viruses, malicious or destructive code, or phishing, spamming, advertising, etc.

In managing, developing and distributing intellectual property, the philosophy of Knowledge Bureau, Inc. is that it interprets the news as it relates to tax, wealth, or health management, economic developments or behavioural finance issues and provides factual information known at the time of writing and its explanations and experiential perspective. It does not provide advice. It is also not a platform for any other company and does not associate itself with individuals who wish to use Knowledge Bureau, Inc. as a platform to sell other products or services from which they benefit financially, unless they are prepared to make full disclosure. Knowledge Bureau, Inc. has the following expectations of its speakers, instructors, employees, or authors:

• Advice. They will not provide advice unless they are appropriately registered and licensed, and qualified to do so, having made themselves aware what type of advice is under jurisdiction of regulators.
• Transparency. We expect our associates to make full disclosures of any compensatory relationship (monetary or otherwise) with the company that hires them or pays them consulting or other fees or commissions. They are required to state how they will benefit if the audience is being invited to consider and/or buy a product from a company with which the speaker has a compensatory relationship, including receipt of consulting fees, commissions or trailer or any beneficial ownership.

Based on these written policies, Knowledge Bureau, its owners, speakers, employees, subcontractors, and any member of the organization cannot take any responsibility for the results of any actions taken by any persons that may have adverse financial consequences.

THE PUBLISHER (Knowledge Bureau) allows single user access to the components of its self study programs of studies with a valid paid registration in the program for the time frames allowed within the program of studies—which are limited to a maximum of six months per course, (subject to change at Knowledge Bureau’s discretion) and this includes use of the online portion of the program, and all accompanying Knowledge Net Tools.

Multiple user fees are negotiable for those who wish to use this program for any or all associates of one branch office. In that case, the fee for each participant is negotiated on a case-by-case basis, based on volume. Please call us to arrange this multiple user license for your firm. Use of Knowledge Bureau publications (Knowledge Bureau Report) is free for viewing from email services or Knowledge Bureau home page. However a strict content reproduction and privacy policy is in effect.

Continuous Improvement Philosophy
At Knowledge Bureau, we always try to enhance our relationship with all our students by investing in a Continuous Improvement and “EverGreening” philosophy to content development and student services. We invite you to share in this philosophy by helping us to continuously improve and update.

Continuous Improvement: When we become aware of errors, omissions or other improvements required we fix those errors and omissions either by personal contact, in the course materials, through use of email and/or our Knowledge Bureau Report, depending upon the urgency and breadth of the matter. We also include clarifications and improvements to Guidance provided for students as required.

EverGreening: As change happens continuously in the tax and financial services Knowledge Bureau is committed to keeping its students up-to-date with a world class research library: EverGreen Explanatory Notes, which is updated weekly, Knowledge Bureau Report which is a complimentary e-newsletter service provided directly to students, through course updates, revisions and new course development. Please see our disclaimer policies in the courseware and on our website. They set out limitations regarding our content and authorship.

Dissatisfaction during course of study period
We work with the student to fix the problem to the best of our ability and resources, so the student can complete their studies successfully. The student has paid for access to student support as part of the tuition fees for a defined period. In cases where the student has not contacted us for help along the way or has not started the program within the study time allotted time for it, it is considered that the student has used the materials for personal use and there is no further action. As such, there are no refunds.

Dissatisfied on completion of programs
Our mandate is to help students successfully complete their programs. We identify the issues, determine whether courses/materials need adjustments, if there is a legitimate problem with the product or service, make corrections, and teach to the issues. There are no refunds for convenience or failure to start.

Expressing our gratitude
We sincerely appreciate your help in our ongoing pursuit of excellence. Where a student has helped us identify areas of improvement or required change we may consider giving thanks with a financial credit toward the cost of a future course. The publisher’s decision on this is final and any credits/awards issued may not exceed tuition fees paid.