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The Ritz-Carlton, Toronto has a flexible cancellation policy. A credit card is required to make a reservation, but you will not be charged until your arrival. You can cancel your reservation up until 6 p.m. on the first evening of your stay without incurring any penalty charges. After 6 p.m., however, no-shows will be charged the full nightly rate on the credit card used to make the reservation.
The moral of the story: If you must cancel your stay at the Forbes Travel Guide Five-Star hotel for any reason, be sure to call before 6 p.m. — the luxury Toronto hotel's room rates aren’t cheap!