Effective Date: August 5, 2026

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By accessing the Northern Asset Management website ("Website"), you agree to be bound by these Terms of Use. If you do not agree with these Terms, please discontinue use of the Website.

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Website Purpose

The information provided on this Website is for general informational purposes only and is intended to introduce visitors to Northern Asset Management, our services, and our approach to financial planning.

Nothing on this Website constitutes financial, investment, tax, legal, accounting, or other professional advice.

Information provided by Northern Asset Management is for general and educational purposes only and is not individual tax or legal advice. Tax and legal rules can change and individual circumstances vary. Please consult a qualified tax professional or lawyer for advice specific to your circumstances.

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No Client Relationship

Your use of this Website does not create a client, advisory, fiduciary, or professional relationship between you and Northern Asset Management.

A client relationship is established only after:

• A formal engagement has been agreed upon;

• Required regulatory documentation has been completed; and

• We have agreed in writing to provide services.

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Accuracy of Information

While we strive to ensure that the information on this Website is accurate and current, Northern Asset Management makes no warranties or representations regarding the completeness, accuracy, reliability, or timeliness of any information.

Information may change without notice.

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Investment Risks

Investing involves risk, including the possible loss of principal.

Past performance is not indicative of future results, and no investment strategy can guarantee returns or eliminate risk.

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Intellectual Property

Unless otherwise stated, all content on this Website, including text, graphics, logos, branding, images, videos, downloadable materials, and design elements, is the property of Northern Asset Management and is protected by Canadian copyright, trademark, and intellectual property laws.

No content may be reproduced, distributed, modified, or republished without prior written permission.

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Acceptable Use

You agree not to:

• Use the Website for unlawful purposes

• Attempt to gain unauthorized access to our systems

• Introduce malicious software or harmful code

• Interfere with the Website's operation

• Misrepresent your identity when contacting us

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Email Disclaimer

E-mail over the internet is not a secure medium and privacy cannot be guaranteed. Derek Schaefer and Global Maxfin Investments Inc. (GMII) cannot accept any responsibility for any harm or damage incurred as a result of sending personal or confidential information to Derek Schaefer or Global Maxfin Investments Inc. (GMII) over the internet, or if information is sent over the internet at your request.

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Third-Party Links

This Website may contain links to third-party websites for your convenience.

Northern Asset Management does not control or endorse these websites and is not responsible for their content, accuracy, or privacy practices.

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Limitation of Liability

To the fullest extent permitted by law, Northern Asset Management shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, this Website.

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Privacy

Your use of this Website is also governed by our Privacy Policy.

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Changes

We reserve the right to modify these Terms of Use at any time. Continued use of the Website following changes constitutes acceptance of the revised Terms.

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Governing Law

These Terms are governed by the laws of the Province of Alberta and the applicable laws of Canada.

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Suitability

Anything on this website is not to be construed as an offer or solicitation. The products mentioned may not necessarily be considered suitable investments for all clients. As each situation is different, you should seek advice based on your specific circumstance.

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Contact

If you have questions regarding these Terms, please contact:

Northern Asset Management

Email: admin@northernassetmanagement.com

Phone: 780-733-1259

 

Jurisdiction & Product Disclosure

The information contained on this website is intended solely for residents of Alberta, British Columbia, Saskatchewan, and Ontario. It is provided for informational purposes only and does not constitute an offer to sell or a solicitation to purchase any securities, insurance products, or financial services in any other Canadian province, territory, or foreign jurisdiction where such an offer or solicitation would be prohibited by law.

The products and services referenced on this website are offered through the following entities:​

• Mutual funds, exchange-traded funds (ETFs) and liquid alternative funds are offered through Global Maxfin Investments Inc.

• Insurance products, segregated funds and guaranteed interest accounts (GIAs) are offered through Customplan Financial Advisors Inc. and Global Insurance Solutions Inc.

• Financial planning services are provided by Derek Schaefer operating as Northern Asset Management.

Availability of products and services may vary based on your province of residence and applicable licensing requirements.