Terms of Use

1 Acceptance of Terms

By accessing or using Northern Numbers (northernnumbers.ca), you agree to be bound by these Terms of Use and our Privacy Policy. These terms apply to all visitors and users of the website.

If you do not agree to these terms, you must stop using the website immediately.

2 Description of Service

Northern Numbers provides free online financial calculators designed for Canadian users. Our tools include mortgage calculators, TFSA calculators, RRSP calculators, FHSA calculators, compound interest calculators, and others currently in development.

The service is provided free of charge. We reserve the right to modify, suspend, or discontinue any part of the service at any time without notice.

3 No Financial or Legal Advice

Northern Numbers is not a registered financial advisor, investment dealer, tax professional, or legal advisor. Nothing on this website constitutes:

• Financial advice or investment recommendations
• Tax advice or tax planning guidance
• Legal advice of any kind
• Insurance advice or recommendations

Calculator results are estimates only, based on the inputs you provide and simplified assumptions. Real-world results will vary based on many factors including market conditions, changes in tax law, your personal financial situation, and more.

Before making any financial decision, please consult a qualified and registered financial advisor, accountant, or lawyer.

4 Accuracy of Information

We make every effort to ensure our calculators use accurate, up-to-date Canadian tax rules, contribution limits, and financial formulas. However, we make no warranties or guarantees regarding the accuracy, completeness, or timeliness of any information on this website.

Canadian tax rules, TFSA limits, RRSP limits, mortgage regulations, and other financial rules change regularly. While we update our tools as rules change, there may be periods where our calculators reflect outdated information.

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

5 Acceptable Use

You agree to use Northern Numbers only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

• Use the site to transmit any unlawful, harmful, or offensive content
• Attempt to gain unauthorized access to any part of the site or its systems
• Use automated tools to scrape, crawl, or extract data from the site without permission
• Copy, reproduce, or redistribute our calculators or content without written permission
• Misrepresent calculator results as professional financial advice
• Use the site in any way that could damage, disable, or impair its operation

6 Intellectual Property

All content on Northern Numbers — including but not limited to calculator logic, code, design, text, graphics, and educational content — is the property of Northern Numbers and is protected by Canadian copyright law.

You may use our calculators for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works of our content without our express written permission.

To request permission to use our content, please contact us at [email protected].

7 Third-Party Links

Our website may contain links to third-party websites, including government sites (such as the CRA), financial institutions, and educational resources. These links are provided for your convenience only.

Northern Numbers has no control over the content, privacy practices, or accuracy of third-party websites. We are not responsible for any loss or damage that may arise from your use of third-party sites. We encourage you to review the terms and privacy policies of any site you visit.

8 Disclaimers and Limitation of Liability

Northern Numbers is provided on an "as is" and "as available" basis without warranties of any kind, express or implied.

To the fullest extent permitted by Canadian law, Northern Numbers and its operators shall not be liable for any:

• Financial losses resulting from reliance on calculator results
• Errors or omissions in calculator outputs
• Decisions made based on information provided on this site
• Interruptions, errors, or downtime of the service
• Loss of data or privacy breaches beyond our reasonable control

Your use of this site is at your own risk. Results shown by our calculators are estimates only and should never replace the advice of a qualified financial professional.

9 Governing Law

These Terms of Use are governed by and construed in accordance with the laws of Canada and the province of Ontario, without regard to conflict of law principles.

Any disputes arising from your use of Northern Numbers shall be subject to the exclusive jurisdiction of the courts located in Ontario, Canada.

10 Changes to These Terms

We reserve the right to update or modify these Terms of Use at any time. When we do, we will update the "Last updated" date at the top of this page.

Your continued use of Northern Numbers after any changes to these terms constitutes your acceptance of the revised terms. We encourage you to review this page periodically.

11 Contact Us

If you have any questions about these Terms of Use, please contact us:

• Email: [email protected]
• Contact form: northernnumbers.ca/contact