Terms and conditions


There are no refunds of the licensing fees for The Software. For residents of Ontario, Prince Edward Island, Nova Scotia, New Brunswick and Newfoundland and Labrador, the purchase price and shipping and handling are subject to HST. For residents of other provinces and territories, it is only subject to GST.


Gobeil’s Collection of 1,000 Questions™, Gobeil's Strategic Financial Planning Study Aid™, Gobeil's Strategic Case Studies™, Financial Calculations for the Financial Planner™, Gobeil's Exam Writing Techniques™, The Canadian Retirement Planner's Software™  and The Personal Financial Planner's Manual™ are trade marks of D. R. Gobeil & Associates Ltd.


The Gobeil & Associates’ Privacy Policy informs you of how we ensure the privacy and the confidentiality of Personal Information about you that may be collected when you use our Web Site.

Please read this statement of our Privacy Policy, so that you know what our practices are regarding the privacy of your Personal Information. By using the Website, you accept the terms of this Privacy Policy and our practices to collect, use, or disclose your Personal Information; and any modifications made to this Privacy Policy. 

1. Collecting Your Personal Information

You can visit our Web Site without revealing any Personal Information.

When we collect Personal Information about you, Gobeil & Associates will limit the Personal Information that we collect to what we need for the purposes that you provided the Personal Information. Gobeil & Associates will use your Personal Information only for those purposes, unless we obtain your consent to use your Personal Information for any other purpose.

Gobeil & Associates collects Personal Information about you when you voluntarily use the Website to prepare an order form, and when you complete an order form printed from the Website and fax it to us. This Personal Information includes your name, address, telephone number, fax number, email address; and study aids, courses, or software. When you fax us an order form, Gobeil & Associates collects your credit card number, expiration date, cardholder’s name, and signature.

This Personal Information will be recorded in a database, and used for billing and payment purposes and to fill your order. If Gobeil & Associates has trouble processing an order, this Personal Information is used to get in touch with you. Your Personal Information will be sent as necessary to companies who work on our behalf to provide courier, postal, or credit-card-payment-processing services. However, these companies do not have any right to use this Personal Information, except as required to perform the assigned function.

Gobeil & Associates also collects Personal Information about you when you use the Website or fax to submit your responses to an examination to us. This Personal Information is only used to provide you with your results and confirmation of successful or unsuccessful completion of a course.

Gobeil & Associates may use your Personal Information to provide you with information about our study aids, courses, and software.

Gobeil & Associates will direct telephone and email inquiries to the appropriate party in our organization for a response. Any Personal Information included with an inquiry will be used to respond to that inquiry. It will not be used for any other purpose without the permission of the person making the inquiry.

2. Releasing your Personal Information

Gobeil & Associates may have to provide Personal Information about you in response to a valid demand, search warrant, or other legally valid enquiry or order. Gobeil & Associates may have to provide Personal Information about you to collect a debt owed to us by you.

Gobeil & Associates will not disclose any Personal Information about you to any third party without your approval, except as provided for in this Privacy Policy or if such disclosure is made pursuant to a legal proceeding or as required by law.

3. Protecting your Personal Information

Gobeil & Associates will protect your Personal Information with appropriate safeguards and security measures.

Gobeil & Associates will only keep your Personal Information for as long as it remains necessary or relevant for the purposes stated in this Privacy Policy or as otherwise required by law.

When Gobeil & Associates provides any Personal Information in response to a legal inquiry or order, we will ensure that the order is valid and we will disclose only the Personal Information that is legally required.

We instruct our employees with access to your Personal Information that it is to be used only in adherence with this Privacy Policy and applicable laws. All employees of Gobeil & Associates are familiar with the procedures that must be taken to safeguard your Personal Information. These procedures are specified in our employment agreements and documented in writing.

4. Ensuring Access and Accuracy of your Personal Information

Gobeil & Associates will give you access to your Personal Information. We will make every reasonable effort to keep your Personal Information accurate and up-to-date.

Your Personal Information may be included on an invoice or order form for our products or services. It may also be included on a letter of confirmation of completion of a course. If you wish to know what Personal Information we have about you, send a letter requesting such Personal Information to our office, and we will respond to your request within 30 days.

You can help by keeping us informed of any changes, such as if you move or change telephone numbers. If you find any errors in our Personal Information about you, let us know and we will make the corrections immediately.

Cookies are small data files containing information, such as your browser type, time and length of your visit, and any Personal Information that you voluntarily provide. A persistent cookie stores information on your hard drive and remains there until its expiry date. Our Website uses two persistent cookies. One is used to keep track of the items in your shopping cart. This cookie expires in one day. The second is used to keep track of your shipping information and is kept for 30 days to make ordering other products within 30 days easier. If you do not want cookies to be used, you have the option of disabling cookies within your browser. However, if you refuse cookies, your use of the Website may be limited.

Links to Third-party Websites

The Website contains links to third-party websites whose privacy policies may be very different than ours. Users of the Website should, therefore, consult the privacy policies on other sites. We have no control over Personal Information that is submitted to, or collected by, these parties. By clicking on a link, you agree that Gobeil & Associates is not responsible for the privacy practices of such third-party websites and that it is your responsibility to be aware of and accept such privacy policies.

5. Respecting and Responding to your Privacy Concerns

Gobeil & Associates will explain your options of refusing or withdrawing consent to the collection, use, or release of your Personal Information. We will be pleased to explain any consequences of refusing or withdrawing your consent, and we will record and respect your choices. If you do not want us to contact you with information about our study aids, courses, and software, you can tell us so at any time.

If you have any questions, concerns, or problems about privacy, confidentiality, or how a request for information was handled, you can phone or email us. If you choose to email us, please include your full name and telephone number.

Telephone: Call 1 (416) 270-2035 during our business hours
email: info@Gobeil.ca

Due to the excess amounts of spam circulating with email, we have no confidence in email and will not use it for this purpose.

Notification of Changes to Privacy Policy

Gobeil & Associates reserves the right to modify this Privacy Policy at any time. If we decide to change our Privacy Policy, we will post those changes here so that you will always know what Personal Information we gather, how we might use that Personal Information, and whether we will disclose that Personal Information to anyone.

Your continued use of the Website and/or the services provided by Gobeil & Associates after such notice has been provided will constitute your acceptance of the modified Privacy Policy.

If you are dissatisfied with the Privacy Policy or any subsequent modifications to this Privacy Policy, your sole remedy will be to cease using the Website and the services provided by Gobeil & Associates.