Last updated: April 26, 2026
Terms of Service
Welcome to NorthMarkets (“the Website,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of the NorthMarkets website, including all content, features, tools, calculators, newsletters, and any other services made available through our platform. By accessing or using NorthMarkets in any capacity, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree with any portion of these Terms, you must immediately discontinue your use of the Website.
NorthMarkets is owned and operated by Auburn AI, a company based in Calgary, Alberta, Canada. All inquiries regarding these Terms may be directed to us at info@northmarkets.ca.
About NorthMarkets and the Nature of Our Content
NorthMarkets is a Canadian personal finance information and education website. Our mission is to publish accessible, well-researched, and editorially independent content designed to help Canadians better understand topics related to personal finance, budgeting, saving, investing concepts, credit, debt management, taxes, insurance, retirement planning, and related subject matter. We believe that greater financial literacy leads to better outcomes for individuals, families, and communities across Canada.
All content published on NorthMarkets – including but not limited to articles, blog posts, guides, comparison tables, calculators, opinion pieces, newsletters, social media posts, and any other materials produced or distributed under the NorthMarkets brand – constitutes editorial opinion and general informational content only. This content is created for broad educational and informational purposes and reflects the opinions and research of our editorial team at the time of publication.
We take our responsibility as a publisher of financial content seriously. However, you must understand that reading or engaging with our content does not create any professional relationship between you and NorthMarkets or Auburn AI, and nothing on this Website should ever be construed as personalized financial, investment, tax, legal, insurance, or professional advice of any kind.
Important Disclaimer: Not Investment or Financial Advice
The content published on NorthMarkets is strictly for general informational and educational purposes. Nothing on this Website constitutes investment advice, financial advice, tax advice, legal advice, insurance advice, or any other form of professional advice regulated under applicable Canadian law.
NorthMarkets, Auburn AI, and all individuals who contribute to this Website – including writers, editors, researchers, and any other staff or contractors – are not registered investment advisors, portfolio managers, financial planners, tax professionals, lawyers, insurance brokers, or any other category of regulated financial professional under the laws of Alberta, any other Canadian province or territory, or any applicable federal Canadian legislation, including but not limited to the Securities Act (Alberta), the Investment Industry Regulatory Organization of Canada (IIROC) framework, the Mutual Fund Dealers Association of Canada (MFDA) framework, or regulations administered by the Canadian Securities Administrators (CSA) or any successor regulatory body.
We are not registered with, licensed by, or subject to oversight from the Alberta Securities Commission (ASC), the Canadian Investment Regulatory Organization (CIRO), or any equivalent provincial, territorial, or federal financial regulatory authority in any capacity that would authorize us to provide personalized financial or investment advice to individuals or entities.
Any reference to specific financial products, securities, funds, strategies, interest rates, tax rules, or any other financial instruments or concepts on NorthMarkets is made purely for illustrative, educational, and editorial commentary purposes. Such references do not constitute recommendations to buy, sell, hold, or otherwise transact in any specific financial product or security. Past performance discussed on NorthMarkets is never indicative of future results.
Information about financial products, rates, fees, and regulatory rules changes frequently. While we make reasonable efforts to keep our content current and accurate, we cannot guarantee that every piece of information on this Website reflects the most up-to-date rules, rates, product terms, or regulatory requirements. You should always independently verify important financial information before making any decisions.
Consult a Licensed Canadian Financial Professional
Before making any financial decision – including but not limited to decisions related to investing, retirement planning, tax filing and planning, debt repayment strategies, insurance coverage, estate planning, real estate transactions, or any other significant financial matter – you are strongly encouraged and advised to consult a qualified, licensed Canadian financial professional who is registered with the appropriate regulatory body in your province or territory.
Depending on your specific needs, this may include:
Financial Advisors and Planners: Look for individuals holding recognized designations such as a Certified Financial Planner (CFP) designation, who are registered with applicable regulatory bodies and authorized to provide advice in your province. In Alberta, financial advisors may be regulated under the Securities Act (Alberta) and overseen by the Alberta Securities Commission.
Investment Advisors and Portfolio Managers: If you require personalized investment advice or discretionary portfolio management, seek out individuals or firms registered with the Canadian Investment Regulatory Organization (CIRO) or the Alberta Securities Commission. These professionals are subject to proficiency standards and regulatory oversight designed to protect Canadian investors.
Tax Professionals: For personalized tax advice, tax return preparation, tax planning, or guidance on the application of the Income Tax Act (Canada) to your specific situation, consult a qualified accountant holding a Chartered Professional Accountant (CPA) designation or another licensed tax professional in your province.
Insurance Professionals: For advice regarding life insurance, disability insurance, critical illness coverage, home or auto insurance, or any other insurance product, consult a licensed insurance broker or agent registered in Alberta or your applicable province or territory.
Legal Professionals: For matters involving estate planning, wills, powers of attorney, contracts, real property, or other legal questions with financial implications, consult a lawyer licensed to practice in Alberta or your applicable province.
The general information provided by NorthMarkets cannot substitute for the personalized, professional guidance that a licensed advisor can offer based on a thorough understanding of your individual financial situation, goals, risk tolerance, time horizon, tax circumstances, and applicable legal context.
User Eligibility and Account Responsibilities
Access to NorthMarkets is intended for individuals who are at least 18 years of age or the age of majority in their applicable jurisdiction, whichever is greater. By using this Website, you represent and warrant that you meet this eligibility requirement. We reserve the right to refuse access to anyone who does not meet these criteria or who violates these Terms.
Certain features of NorthMarkets, such as newsletter subscriptions or interactive tools, may require you to provide personal information such as your name and email address. You agree to provide accurate and current information and to update such information as necessary. You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur in connection with your account. You agree to notify us promptly at info@northmarkets.ca if you suspect any unauthorized use of your account.
You agree to use NorthMarkets only for lawful purposes and in a manner consistent with these Terms and all applicable laws. You must not use NorthMarkets to engage in any activity that is fraudulent, misleading, abusive, defamatory, harassing, harmful, or otherwise objectionable.
Intellectual Property Rights
All content on NorthMarkets, including but not limited to articles, guides, opinion pieces, original research, tools, calculators, graphics, logos, design elements, and all other materials (collectively, “Content”), is the exclusive property of Auburn AI or its licensed content contributors and is protected by applicable Canadian and international intellectual property laws, including the Copyright Act (Canada).
You are granted a limited, non-exclusive, non-transferable, revocable license to access and read Content on NorthMarkets for your personal, non-commercial use only. This license does not grant you any right to:
Reproduce, copy, republish, upload, post, transmit, or distribute any Content from NorthMarkets in any form or by any means without our prior written permission; modify, translate, adapt, or create derivative works based on our Content; scrape, data-mine, or use automated systems to extract Content from NorthMarkets; use our Content for any commercial purpose without entering into a separate written agreement with Auburn AI; or remove, obscure, or alter any copyright notice, trademark notice, or other proprietary rights notice contained within our Content.
Any unauthorized use of NorthMarkets Content is a violation of these Terms and may constitute an infringement of applicable intellectual property laws. If you wish to request permission to reproduce or use our Content, please contact us at info@northmarkets.ca.
Third-Party Links and External Resources
NorthMarkets may include hyperlinks to third-party websites, financial institutions, government agencies, regulatory bodies, data providers, product providers, and other external resources for informational purposes. These links are provided as a convenience and do not constitute an endorsement, sponsorship, or recommendation by NorthMarkets or Auburn AI of any third-party website, product, service, organization, or individual.
We have no control over the content, accuracy, privacy practices, or availability of third-party websites. You acknowledge and agree that NorthMarkets and Auburn AI bear no responsibility or liability whatsoever for any content, products, services, or information available through third-party links. When you leave NorthMarkets to visit a third-party website, you do so at your own risk and should review the terms of service and privacy policy of that website independently.
Certain content on NorthMarkets may include affiliate links or sponsored placements, where we may receive compensation if you click through and take a qualifying action (such as applying for a financial product). The presence of affiliate relationships does not influence our editorial opinions or rankings except where clearly disclosed. We are committed to editorial transparency, and any material commercial relationship will be disclosed in accordance with applicable Canadian advertising standards and guidelines issued by the Competition Bureau of Canada.
Accuracy, Currency, and Completeness of Information
We make reasonable efforts to ensure that the information published on NorthMarkets is accurate, current, and balanced at the time of publication. However, personal finance is a dynamic field. Interest rates, tax rules, contribution limits, regulatory requirements, product features, and market conditions change frequently, sometimes with little notice. Canadian tax law, securities law, and financial regulations are subject to ongoing legislative and regulatory changes at both the federal and provincial levels.
NorthMarkets makes no representations or warranties of any kind, whether express or implied, regarding the accuracy, completeness, reliability, suitability, or availability of any Content on the Website for any purpose. All Content is provided on an “as is” and “as available” basis. We expressly disclaim any obligation to update Content after its initial publication date, though we endeavour to review and update Content periodically. Any reliance you place on information from NorthMarkets is strictly at your own risk.
Numbers, figures, rates, and calculations provided on NorthMarkets – including those generated by any financial calculators or tools – are illustrative and approximate only. They are based on assumptions that may not reflect your personal circumstances and should never be used as the sole basis for any financial decision. Always consult a licensed professional and verify figures with official sources such as the Canada Revenue Agency (CRA), the Bank of Canada, or the financial institution directly.
Limitation of Liability
To the fullest extent permitted by applicable law in the Province of Alberta and Canada, NorthMarkets, Auburn AI, and their respective directors, officers, employees, contractors, agents, licensors, and successors (collectively, the “NorthMarkets Parties”) shall not be liable for any loss, damage, injury, or harm of any nature whatsoever arising from or in connection with your use of, or reliance upon, any content, information, tools, calculators, opinions, or other materials available on NorthMarkets.
This limitation of liability applies to all categories of loss and damage, including but not limited to:
Direct losses: Any direct financial loss arising from decisions made based on information obtained from NorthMarkets, including but not limited to investment losses, tax penalties, missed financial opportunities, or any other direct financial harm.
Indirect and consequential losses: Any indirect, incidental, consequential, special, exemplary, or punitive damages, including but not limited to loss of profits, loss of savings, loss of business, loss of data, loss of goodwill, or any other economic or non-economic loss arising out of or related to your use of NorthMarkets, even if the NorthMarkets Parties have been advised of the possibility of such damages.
Reliance losses: Any loss arising from your reliance on information, opinions, analysis, calculations, or commentary published on NorthMarkets in making any financial, investment, tax, insurance, legal, or other decision, regardless of whether such information was accurate at the time of publication.
Technical and operational losses: Any loss or damage arising from errors, interruptions, delays, failures, viruses, malicious code, or any other technical issues affecting your access to or use of NorthMarkets.
Where applicable legislation in Alberta or Canada does not permit the complete exclusion of certain warranties or the limitation of certain categories of liability, our liability in such cases shall be limited to the maximum extent permitted by law. Nothing in these Terms shall be construed to limit liability for fraud, fraudulent misrepresentation, gross negligence, or any other matter where limitation would be unlawful under applicable Alberta or Canadian law.
You expressly acknowledge and agree that your use of NorthMarkets and any reliance on its Content is entirely at your own risk. The NorthMarkets Parties make no guarantees regarding any financial outcome, and the information on this Website is not a substitute for personalized professional advice tailored to your individual circumstances.
Indemnification
You agree to indemnify, defend, and hold harmless the NorthMarkets Parties from and against any and all claims, demands, actions, proceedings, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of or access to NorthMarkets; (b) your violation of these Terms; (c) your violation of any applicable law, regulation, or third-party right; (d) any content or information you submit, upload, or transmit through NorthMarkets; or (e) any reliance you place on Content from NorthMarkets in making any financial or other decision.
Privacy and Personal Information
NorthMarkets is committed to protecting the privacy of individuals whose personal information we collect and handle. Our collection, use, and disclosure of personal information is governed by our separate Privacy Policy, which is incorporated into these Terms by reference and is available on our Website. By using NorthMarkets, you consent to the collection and use of your personal information as described in our Privacy Policy.
We handle personal information in accordance with the Personal Information Protection Act (PIPA) of Alberta and, where applicable, the Personal Information Protection and Electronic Documents Act (PIPEDA) of Canada. We take reasonable technical and organizational measures to protect personal information from unauthorized access, disclosure, loss, or destruction. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee the absolute security of information transmitted to or stored by NorthMarkets.
Modifications to the Website and Terms
NorthMarkets and Auburn AI reserve the right, at our sole discretion, to modify, suspend, or discontinue any aspect of the Website – including any feature, tool, content section, or service – at any time and without prior notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Website or any part thereof.
We also reserve the right to revise and update these Terms at any time. When we make material changes to these Terms, we will update the “Last Updated” date indicated at the bottom of this page and, where appropriate, provide notice through the Website or via email. Your continued use of NorthMarkets following the posting of revised Terms constitutes your acceptance of those changes. We encourage you to review these Terms periodically to stay informed of any updates. If you do not agree to any revised Terms, you must stop using NorthMarkets immediately.
Governing Law and Jurisdiction
These Terms, your use of NorthMarkets, and any dispute, claim, or controversy arising out of or relating to these Terms or the Website (whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory) shall be governed by and construed in accordance with the laws of the Province of Alberta and the applicable federal laws of Canada, without regard to any conflict of law principles that would result in the application of the laws of any other jurisdiction.
You irrevocably agree that the courts of competent jurisdiction located in Calgary, Alberta, Canada shall have exclusive jurisdiction to hear and determine any dispute, claim, or action arising out of or in connection with these Terms or your use of NorthMarkets. You irrevocably submit to the personal jurisdiction of those courts and waive any objection to proceedings in such courts on the grounds of venue, inconvenience of forum, or any other grounds.
Notwithstanding the foregoing, NorthMarkets and Auburn AI reserve the right to seek injunctive or other equitable relief in any court of competent jurisdiction to protect our intellectual property rights or prevent any actual or threatened unauthorized use of the Website or its Content.
Dispute Resolution
In the event of any dispute, claim, or controversy between you and NorthMarkets or Auburn AI arising out of or relating to these Terms or the Website, both parties agree to first attempt to resolve the matter informally by contacting us at info@northmarkets.ca and providing written notice describing the nature of the dispute and the resolution sought. We will endeavour to respond within a reasonable time and work in good faith to resolve the matter amicably before either party initiates formal legal proceedings.
If informal resolution is unsuccessful within thirty (30) days of written notice (or such longer period as mutually agreed), either party may proceed to pursue available legal remedies in the courts of Calgary, Alberta, Canada, as described in the Governing Law section above.
Severability
If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, void, or unenforceable under applicable law, that provision shall be deemed modified to the minimum extent necessary to make it enforceable, or if it cannot be so modified, it shall be severed from these Terms. The remainder of these Terms shall continue in full force and effect. The invalidity or unenforceability of any particular provision shall not affect the validity and enforceability of any other provision herein.
Entire Agreement and Waiver
These Terms, together with our Privacy Policy and any other legal notices or agreements published on NorthMarkets, constitute the entire agreement between you and Auburn AI with respect to your use of the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding the subject matter herein.
No waiver by NorthMarkets or Auburn AI of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition, and any failure by us to assert a right or provision under these Terms shall not constitute a waiver of such right or provision. A waiver is only effective if made in writing and signed by an authorized representative of Auburn AI.
Contact Us
If you have any questions, concerns, or feedback about these Terms of Service, the content published on NorthMarkets, or our practices generally, please do not hesitate to contact us. We are committed to being responsive and transparent.
You may reach us at:
Auburn AI – NorthMarkets
Email: info@northmarkets.ca
Jurisdiction: Calgary, Alberta, Canada
We aim to respond to all written inquiries within a reasonable timeframe. Please note that contacting us does not establish any professional advisory relationship and that responses provided via email are for general informational purposes only.
Last Updated: 2025.
– Auburn AI editorial, Calgary AB