Materials on this Web site were produced and/or compiled by the Financial Consumer Agency of Canada for the purpose of providing Canadians with direct access to information about the programs and services offered by the Government of Canada.
The material available on this Web site is covered by the provisions of the Copyright Act, by Canadian laws, policies, regulations and international agreements. Such provisions serve to identify the information source and, in specific instances, to prohibit reproduction of materials without written permission.
Information on this Web site has been posted with the intent that it be readily available for personal or public non-commercial use and may be reproduced, in part or in whole, and by any means, without charge or further permission, unless otherwise specified.
Users are required to:
Unless otherwise specified, this authorization is also applicable to all published information regardless of its format.
The official symbols of the Government of Canada, including the 'Canada' wordmark, the Arms of Canada, and the flag symbol may not be reproduced, whether for commercial or non-commercial purposes, without written authorization. Request for authorization from the Treasury Board of Canada Secretariat may be addressed to:
Federal Identity Program
Treasury Board of Canada Secretariat
300 Laurier Avenue West
Ottawa, CanadaK1A 0R5
Reproduction of multiple copies of materials on this site, in whole or in part, for the purposes of commercial redistribution is prohibited except with written permission from the Government of Canada's copyright administrator, Public Works and Government Services Canada (PWGSC). Through the permission granting process, PWGSC helps to ensure individuals/organizations wishing to reproduce Government of Canada materials for commercial purposes have access to the most accurate, up-to-date versions.
To obtain permission to reproduce materials on this site for commercial purposes, please go to PWGSC's, Applying for Copyright Clearance on Government of Canada Works page.
Public Works and Government Services Canada
Publishing and Depository Services
350 Albert Street, 4th Floor
Ottawa, ON Canada
K1A 0S5 or
Some of the materials and graphical elements found on Government of Canada Web sites are subject to copyrights held by other organizations. This is particularly true of sites that are jointly operated by a Government of Canada institution and an external organization as part of a collaborative arrangement. In such cases, some restrictions on the reproduction of materials or graphical elements may apply, and it may be necessary to seek permission from the rights holder prior to reproducing the material. To obtain information concerning copyright ownership and restrictions on reproduction on this site, please contact:
Financial Consumer Agency of Canada
427 Laurier Avenue West, 6th Floor
Ottawa, Ontario K1R 1B9
Contact us via our Web site.
The Financial Consumer Agency of Canada Web site provides links to various Web sites external to the Government of Canada. The Financial Consumer Agency of Canada is not responsible for the accuracy, reliability or currency of the information contained on external sites. All reasonable efforts have been made to confirm the accuracy of external hyperlinks as of the "Updated" date available on all the Financial Consumer Agency of Canada Web pages. Please be aware that hyperlinks do change from time to time and in some cases those changes may not be reflected immediately. If you find expired links, please contact us via our Web site.
Questions or comments regarding this policy, or the administration of the Privacy Act in the Financial Consumer Agency of Canada, you may be directed to the Access to Information and Privacy Coordinator.
If you are not satisfied with our response to your privacy concern, you may wish to contact the Office of the Privacy Commissioner by e-mail at: firstname.lastname@example.org, by telephone at 1-800-282-1376 or visit their Web site at: http://www.privcom.gc.ca.
The Financial Consumer Agency of Canada Web site respects the Official Languages Act and is committed to ensuring all information on this site is available in both French and English. However, users should be aware that some information from external sources is available as a courtesy and will only be available in the language in which it was provided. Some hyperlinks direct users to sites of organizations or other entities that are not subject to the Official Languages Act.
The Financial Consumer Agency of Canada is committed to equitable access to information, regardless of the technologies used. We are continually striving to make our site accessible to all, including persons with disabilities and to those who use assistive devices.
The Financial Consumer Agency of Canada Web site is developed according to the Common Look and Feel Standards for the internet, including the Accessibility Standards which require compliance with the World Wide Web Consortium's (W3C) Web Accessibility Initiative (WAI) Guidelines Version 1.0 - Priority 1 and 2 Checkpoints.
The Financial Consumer Agency of Canada has included some accessibility features on the Web site for the benefit of individuals using assistive technology.
Skip Navigation links are used mainly for use with assistive technologies such as screen readers, and PDA's (Personal Digital Assistants). They allow readers to skip directly to the content or to a local sub menu. The Skip Navigation links are placed in the upper left hand corner of the screen. A white spacer image holds the link and the alternative text indicates how it works.
If you have any questions about the accessibility of this site or if you are having trouble accessing information, you can contact us by:
Mail: Financial Consumer Agency of Canada
427 Laurier Avenue West, 6th Floor
Ottawa ONK1R 1B9
Submit your comments and/or questions electronically using the Comments and Questions Form.
The information provided on this website and its pages is provided for the convenience and information of individuals only. It is not intended to provide individuals with specific legal, accounting, banking, insurance, financial or tax advice and is not a substitute for such advice. We encourage individuals to seek professional advice, opinions or recommendations before acting or omitting to act based on information or results provided by the information on this web site. As many of the calculators and tools on our website provide calculations based on the information individuals provide, it is important that individuals enter accurate information.