Electronic Device” means any electronic device that we allow you to use to access CIBC Smart Planner, Insights and the Services including, a personal computer, cellular phone, telephone, smart phone, wearable device or personal digital assistant. We calculate the monthly contribution based on your goal target amount and the current balance of your goal progress account. This calculated amount is what you need to contribute to achieve the goal by the desired target date.

There are so many good planners that we can’t recommend a single standout; instead, we’ve found eight, in a range of styles, that people with different priorities will love. If you wish to terminate Insights, please turn off Insights on your Settings screen in Mobile Banking.This colorful template is pretty straightforward when it comes to helping you plan your SMART goals. Each of the five boxes represents one letter of the SMART acronym. There are also guide questions you can answer in relation to SMART goal-setting.

Finally, we have this template sample from Fractus Learning. This template ensures that the goals you are creating are concrete. 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. After that, a section lets you identify up to seven action items and tasks. There are also slots for target dates. 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. Goal-setting often fails because the things that people want to achieve are not written down. Another reason why people fail to achieve their goals is that they don’t have a concrete plan for how to pursue them.

This planner is ideal for teachers, students, parents or anyone who can benefit from using an academic calendar. The planner starts in May 2023—perfect for using during the full 2023 to 2024 school year—and ends in June 2024, right in time for summer break. Constructed with high-quality paper, this spiral notebook-style planner features weekly and monthly views. If you like to see what’s coming up, each month contains the following (and previous months) for a more holistic view. Plus, the weekly view has lined sections to help keep your to-do lists and tasks neat and organized. Children and young people benefit from setting small, achievable goals. Accomplishing these goals boosts confidence and encourages them to apply goal-setting in other areas of their lives. 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. CIBC Smart Planner aggregates the assets and liabilities you have with CIBC to calculate your net worth. CIBC Smart Planner is available on the CIBC Mobile Banking App or at banking centres to all personal banking clients, excluding CIBC Imperial Service clients.