Disclaimer

1 Educational Purpose Only

Northern Numbers (northernnumbers.ca) provides free online financial calculators designed to help Canadians understand and estimate their financial situations. All content, tools, and results on this website are provided for educational and informational purposes only.

Nothing on this website constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice regulated under Canadian law.

2 Calculator Results Are Estimates

All calculator outputs on Northern Numbers are estimates only. Actual results will differ based on many real-world factors that our calculators cannot account for, including:

• Changes in interest rates, market returns, or economic conditions
• Changes to Canadian tax laws, CRA contribution limits, or government regulations
• Your personal financial circumstances, income, debts, and obligations
• Investment fees, management expense ratios (MERs), and transaction costs
• Inflation, currency fluctuation, and purchasing power changes
• Life events such as job changes, health issues, or family circumstances

Past performance and historical averages used as defaults in our calculators do not guarantee future results.

3 No Guarantee of Accuracy

While we make every effort to ensure our calculators are accurate and up-to-date, Northern Numbers makes no representations or warranties about the accuracy, reliability, completeness, or timeliness of any content on this website.

Canadian financial rules — including TFSA limits, RRSP limits, FHSA rules, mortgage insurance requirements, and tax brackets — change regularly. Our calculators are updated as we become aware of changes, but there may be periods where our tools do not reflect the most current rules.

Always verify important financial information directly with the Canada Revenue Agency (CRA) or a qualified professional.

4 Not a Registered Financial Advisor

Northern Numbers is not registered as a financial advisor, portfolio manager, mortgage broker, insurance agent, or any other regulated financial professional under Canadian federal or provincial law.

We strongly encourage all users to seek qualified professional advice tailored to their specific situation before making any financial decision, including but not limited to:

• Purchasing a home or obtaining a mortgage
• Contributing to or withdrawing from registered accounts (TFSA, RRSP, FHSA, RESP)
• Planning for retirement
• Making investment decisions
• Filing taxes or planning for tax efficiency

5 Limitation of Liability

To the fullest extent permitted by applicable Canadian law, Northern Numbers and its operators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from:

• Your use of or reliance on any calculator results
• Any errors, omissions, or inaccuracies in our content
• Financial decisions made based on information found on this website
• Any interruption or unavailability of the service

Your use of Northern Numbers is entirely at your own risk.

6 External Links

Northern Numbers may link to external websites including government agencies, financial institutions, and educational resources. These links are provided for convenience only. We are not responsible for the content, accuracy, or privacy practices of any external website.

7 Related Policies

This disclaimer should be read together with our:

• Privacy Policy — how we handle your information
• Terms of Use — the rules governing your use of this website