Terms of Use

1. Contract partner and how the contract is made

These terms apply to your account on quantfinancetogo.com and to your use of the course. The plans are sold by Paddle, which acts as reseller and merchant of record. For buyers in the EU and most other countries, the seller is Paddle.com Market Limited, London, United Kingdom. Buyers in the United States buy from Paddle.com Inc., and buyers in Canada from Paddle.com (Canada) Ltd. Paddle takes the payment and sends the invoice, and it also handles the sales tax and any refund. The bank statement shows PADDLE.NET* with a short name. The course, access to it and product support come from QuantFinanceToGo (details in the Legal Notice). The full contact details are in the Legal Notice. The Paddle buyer terms apply to the purchase (paddle.com/legal/checkout-buyer-terms).

Pay by card, PayPal, Apple Pay or Google Pay. Other local methods may appear at checkout depending on your country.

You choose a plan on the pricing page and sign in to your account. Before the checkout opens, you tick the box to agree that access to your plan starts immediately (section 4). In the Paddle checkout you see your order and can correct your entries before you click the payment button. Clicking it places a binding order. The contract is concluded when the payment is confirmed, and your plan then opens in your account. The contract language is English. These terms are always available on this page, and I send them to you by e-mail after your purchase.

2. Your account

You must be 18 or older to buy a course. An account is for one person. Do not share your password or your access. A plan can be used on up to two devices. To make room for a new device, you can remove one in your account once every 30 days.

3. Plans

Foundations and Pro are one-time payments, not subscriptions. What each plan includes is described on the pricing page at the time of your purchase. You get the modules that are ready at that time right away. Content marked “Coming soon” is added at no extra cost when it is released; I do not promise a date for it.

The course runs in any current web browser. To run the code yourself, you need Python 3 with the numpy package.

Your access has no fixed end date. You can end the contract at any time by e-mail; your access then ends, and the price is not refunded except under section 4. If I ever close the site for good, I will tell you by e-mail at least three months in advance.

The statutory warranty rights for digital content apply (sections 327 ff. of the German Civil Code).

4. Refunds and right of withdrawal

Refunds in short: Access to your plan starts right after the purchase, and you agree to this before you buy. Because of that, your right of withdrawal ends when access starts, and a purchase cannot be refunded afterwards. Your statutory rights for defects stay unaffected.

If you are a consumer, you have the right to withdraw from this contract within fourteen days without giving any reason. The withdrawal period will expire after fourteen days from the day of the conclusion of the contract.

To exercise the right of withdrawal, you can use the withdrawal function of Paddle, which you reach through the link in the Paddle receipt e-mail or at paddle.net. You can also inform Eric Wagner (c/o POSTFLEX PFX-146-499
Emsdettener Straße 10
48268 Greven
Deutschland, phone +49 1525 3101947, e-mail quantfinancetogo@gmail.com) of your decision to withdraw from this contract by an unequivocal statement (e.g. a letter sent by post or an e-mail). You may use the model withdrawal form below, but it is not obligatory. You can also withdraw online with the button “Withdraw from contract” at the bottom of every page. If you use this function, I will send you without delay an acknowledgement of receipt on a durable medium (e.g. by e-mail) with the content of your withdrawal and the date and time of its receipt. QuantFinanceToGo forwards your withdrawal to Paddle, and Paddle makes the refund.

To meet the withdrawal deadline, it is sufficient for you to send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.

Effects of withdrawal

If you withdraw from this contract, Paddle shall reimburse to you all payments received from you without undue delay and in any event not later than fourteen days from the day on which Paddle or QuantFinanceToGo is informed about your decision to withdraw from this contract. Paddle will carry out such reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of such reimbursement.

Early expiry of the right of withdrawal

Your right of withdrawal expires early as soon as access to your plan starts, if you expressly agreed before the purchase that access starts immediately, before the end of the withdrawal period, and you confirmed that you know that with this consent you lose your right of withdrawal (section 356(6) of the German Civil Code). You give this consent by ticking the box next to the buy button on the pricing page, and the plans can only be bought with this tick. The order confirmation e-mail confirms your consent. If the order confirmation does not confirm it, the full withdrawal period applies.

Model withdrawal form

(Complete and return this form only if you wish to withdraw from the contract.)

To Eric Wagner, c/o POSTFLEX PFX-146-499
Emsdettener Straße 10
48268 Greven
Deutschland, e-mail quantfinancetogo@gmail.com:
I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract for the supply of the following digital content (*)/for the provision of the following service (*): ______
Ordered on (*) / received on (*): ______
Name of consumer(s): ______
Address of consumer(s): ______
Signature of consumer(s) (only if this form is notified on paper): ______
Date: ______
(*) Delete as appropriate.

When a purchase is refunded or a payment is reversed, the plan closes in your account.

5. Use of the content

Your plan gives you a personal, non-transferable right to use the content for your own learning. You may use and change the code of the projects in your own work and show it, for example in your portfolio. You may not copy, sell or publish the course materials as such, or give others access to them. The content is for education only and is not financial advice.

6. Self-study

The course is for self-study. It does not include tutoring, answers to questions about the course content, or any review of your work or your progress. Exercises come with their solutions so that you can check yourself. I help with questions about your account and access.

7. Changes to the content

I may change the content for a valid reason, for example to correct errors, to keep it current, or for technical or legal reasons. Changes cost you nothing. If a change makes your access or use more than slightly worse, I will tell you by e-mail in good time, and you can then end the contract free of charge within 30 days.

8. Liability

I am liable without limitation for intent and gross negligence, for injury to life, body or health, and under the German Product Liability Act. For slight negligence, I am only liable for breach of an essential obligation, meaning an obligation that makes the proper performance of the contract possible in the first place and on which you may regularly rely, and then only for the damage that is typical and foreseeable for this kind of contract.

9. Blocking an account

If an account is shared or these terms are seriously breached, I may block the account and will tell you the reason by e-mail. Unless the breach is serious, I warn you first.

10. Applicable law

German law applies. If you are a consumer, the mandatory consumer protection rules of the country where you live still apply.

Last updated: November 2026