Questions
Straight answers to the questions people actually ask
Including the ones about what this is and is not.
Is this a loan?
No. 9574-4702 Québec inc. sells subscriptions that give access to a financial education platform and its content and services. We do not lend money and we do not grant credit or a line of credit as part of this program.
What am I actually paying for?
Access to the platform for the term of your plan, and the content and services included in that plan — the lessons, articles, worksheets, tools and any additional services your tier includes. The curriculum page lists exactly what is on the platform.
Do I have to pay the cashback back?
No. The promotional cashback is a promotional benefit attached to your plan. It is not paid back to us.
Then why am I making payments?
Your payments are the price of your subscription and the content and services included in your plan. They are not repayment of your promotional cashback. The number of payments, the amount of each one and the exact date of each one are shown on your order summary before you confirm, and again in your contract.
Will I be charged interest?
No interest is charged in connection with the promotional cashback. Your subscription price and any applicable taxes and fees are itemized on your order summary before you confirm; there are no charges beyond what is shown there.
What happens if I do not use the platform?
Your access is available for the whole term of your plan whether or not you use it. We do not require you to watch a certain amount of content, and your subscription is not affected by how much of it you complete.
Can I cancel?
Yes, as set out in the Cancellation & Refund Policy. Cancelling ends your access to the platform. Cancellation and refund requests are handled according to that policy and according to the rights the Consumer Protection Act gives you — nothing in our policy limits a right you cannot legally give up.
What personal information do you collect?
Only what we need to sell you a subscription, give you access to the platform, take your payments and send you the promotional cashback. We do not ask for your employer, your pay frequency, your next pay date, your income, your bank statements or personal references, because none of those are needed to sell a subscription. Full details are in the Privacy Policy.
How do I reach a person?
Email [email protected]. Our full company details are on the contact page.