Copyright / Permission to Reproduce

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. Materials on this site are covered by the provisions of the Copyright Act, and 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.

Non-Commercial Reproduction

Information on this site has been posted with the intent that it be readily available for personal and public non-commercial use. It may be reproduced, in part or in whole and by any means, without charge or further permission from the Financial Consumer Agency of Canada. We ask only that:

• users exercise due diligence in ensuring the accuracy of the materials reproduced;
• the Financial Consumer Agency of Canada be identified as the source; and
• the reproduction not be represented as an official version of the materials reproduced, nor as having been made in affiliation with the Financial Consumer Agency of Canada, or with its endorsement.

Commercial Reproduction

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 permissions-granting process, PWGSC helps ensure that individuals/organizations wishing to reproduce Government of Canada materials for commercial purposes have access to the most accurate, up-to-date versions. For permission to reproduce materials on this site for commercial purposes, please contact: PWGSC

Public Works and Government Services Canada
Publishing and Depository Services
350 Albert, 4th Floor
Ottawa, Ontario
Canada
K1A 0S5
E-mail: copyright.droitdauteur@pwgsc.gc.ca

Third-Party Materials

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
Telephone: 1-866-461-3222
Contact us via our Web site.

Government of Canada Privacy Statement

The Government of Canada and the Financial Consumer Agency of Canada are committed to respecting the personal privacy of individuals who visit our Web sites. This page summarizes the privacy policy and practices of the Financial Consumer Agency of Canada Web site.

• The Financial Consumer Agency of Canada does not automatically gather any personal information from you, such as your name, telephone number, e-mail or street address during your visit to its Web site. This information is obtained only if you supply it voluntarily, usually through contacting us via e-mail or registering in a secure portion of the site.
  
  
• All personal information you provide is protected under the federal Privacy Act. This means that, at the point of collection, you will be informed that your personal information is being collected, the purpose for which it is being collected and that you have a right of access to the information.
  
  
• Visitor information is not disclosed to anyone except Financial Consumer Agency of Canada personnel who need the information to respond to a request. The information you give us will be shared with another government department only if your inquiry relates to that department. We do not use the information to create individual profiles, nor do we disclose the information to anyone outside federal government staff who need to provide you with a response.
  
  

The Financial Consumer Agency of Canada uses per-session cookies. These do not collect personal information about you. Per-session cookies are used to store information within a session (or visit to our Web site). They are deposited on a user's computer only while the user is visiting the site and are deleted when the user closes the session. Here is the list of information that we are collecting by using per-session cookies:

• The name of your Internet service provider, its IP address, and the name of your service provider's server. The Financial Consumer Agency of Canada makes no attempt to link these addresses with the identity of individuals visiting the FCAC site.
  
  
• The length of each visit.
  
  
• The number of requests per visit.
  
  
• Your type of operating system (Windows, MacIntosh, Unix, etc.).
  
  
• Your browser type (Netscape, Internet Explorer, etc.).
  
  

By keeping data on user-activity trends, the Agency's Web site administrators can better develop the Web site to meet your needs.

If you have questions or comments regarding this policy, or the administration of the Privacy Act at the Financial Consumer Agency of Canada, contact us via our Web site or telephone 1-866-461-3222. If you are not satisfied that we have adequately respected your privacy, you may wish to contact the Office of the Privacy Commissioner by calling 1-800-267-0441 or via the Internet at: www.privcom.gc.ca