Last updated: September 18, 2026 About this service North of Numbers provides Canadian financial education from New Brunswick, Canada. Contact quietstridept@outlook.com for questions about these terms, purchases or access. These terms describe use of the website and its digital courses. They do not remove rights that applicable law gives you. Education only Lessons, quizzes and calculators explain general concepts and hypothetical examples. They are not personal financial, investment, tax, legal, mortgage, insurance, credit or accounting advice. We do not assess investment suitability, manage money, execute trades, connect to your financial accounts or guarantee results. A course-completion badge is not a professional qualification. Check current official information and obtain qualified advice for your circumstances. Accounts The service is intended for adults. Provide accurate account information and keep your password private. You are responsible for activity you authorize through your account. Contact us if you believe someone has gained unauthorized access. Do not submit sensitive financial documents or another person’s private information. Courses, prices and access Financial Literacy 101 is CA$59, Investing 101 is CA$79, and the Complete Bundle is CA$99. These are one-time prices, with no subscription or automatic renewal. The total shown at checkout is the amount you authorize. Review the course description and total before paying. Purchased access starts after successful payment confirmation; delayed payment methods can delay access. The bundle includes both courses. Your purchase includes personal access to the purchased courses while North of Numbers operates this website, without a fixed expiry date or renewal fee. This is not a promise that the service will operate forever. If access fails, email us with your order reference so we can investigate. If we discontinue a purchased service, we will provide notice where practicable and address any remedies required by law. Deleting your account ends access through that account; contact us before deletion if you have questions about a purchase. Refunds and payment issues All sales are final except where a refund or other remedy is required by law. We do not offer change-of-mind refunds or exchanges for non-use or failure to complete a course. The refund policy explains how to report an incorrect charge or access problem. No term restricts mandatory cancellation, refund or other consumer rights. Permitted use You may use the materials for your own learning. Do not redistribute paid curriculum, share account access to bypass purchases, impersonate someone, interfere with the website, or attempt unauthorized access. We may restrict access where reasonably needed to address misuse or protect the service. Contact support if you believe a restriction is mistaken. Accuracy and availability Examples simplify real situations and omit some costs and circumstances. Rules, eligibility and program limits can change; displayed review dates do not guarantee that material remains current. Tools cannot predict returns or determine loan approval. Interruptions, maintenance and errors can occur. These statements do not exclude responsibilities that cannot lawfully be excluded. Changes and questions We may update content and these terms. Material changes will be communicated where required and will not override mandatory rights relating to an existing purchase. Email quietstridept@outlook.com if you have a question or complaint. Interactive products — September 19, 2026 Freedom Number Pro, Retirement Ready Pro and Paycheque Optimizer Pro are separate one-time digital products. North of Numbers Complete includes both courses and these three Pro tools. The existing $99 Complete Bundle remains the two-course bundle and is distinct from North of Numbers Complete. Existing purchases retain their original access. Current prices and inclusions appear on the pricing and checkout pages. Product access continues while this website operates. Future products are included only when expressly designated. Illustrations are educational and do not guarantee results. Existing payment, access and mandatory consumer-rights provisions also apply to these tools.
North of Numbers provides financial education and educational tools only. Nothing on this website constitutes financial, investment, tax, legal, accounting, mortgage, insurance or other professional advice. Information and calculator results are general and illustrative in nature and may not apply to your individual circumstances. Hypothetical outcomes are not predictions or guarantees.