AN INTRO TO. Privacy Laws. An introductory guide to Canadian Privacy Laws and how to be in compliance. Laura Brown

Size: px
Start display at page:

Download "AN INTRO TO. Privacy Laws. An introductory guide to Canadian Privacy Laws and how to be in compliance. Laura Brown"

Transcription

1 AN INTRO TO Privacy Laws An introductory guide to Canadian Privacy Laws and how to be in compliance Laura Brown Air Interactive Media Senior DMS Advisor A Publication of 1

2 TABLE OF CONTENTS Introduction Chapter 1 Chapter 2 Chapter 3 Chapter 4 Privacy Act PIPEDA CASL Cloud Storage Conclusion 2

3 Introduction The recent legislation on preserving the security of Canadian Citizens places some restrictions on how businesses and government may collect and use electronic methods to communicate with the public and with their constituents. Although two pieces of legislation, The Privacy Act of 1983 and The Personal Information Protection and Electronic Documents Act of 2014, govern the collection and disclosure of personal information by the government and the private sector, a new anti-spam law is now in effect Canada s Anti-spam Law (CASL). The CASL specifically governs s, text, and anything similar sent to electronic addresses. The following lists describe these laws as well as what a business may or may not do when in compliance with the new laws. Canada has two federal privacy laws, the Privacy Act, which covers the personal information-handling practices of federal government departments and agencies, and the Personal Information Protection and Electronic Documents Act (PIPEDA), the federal private-sector privacy law. With the addition of the Anti-spam Law (CASL), businesses have a legal obligation to review their digital processes to ensure that they are following the guidelines, protecting their data and protecting their customer and/or prospects information. An overview of the privacy laws and CASL suggests that you may have to have a privacy policy in place to be in compliance. Although the Canadian government has provided the resources necessary to do that, concerns remain about the handling of digital information and its protections in the cloud. Is the cloud safe for storing data? Of course the answer is both yes and no. So what must be done to gather customer information properly, use it for business purposes and protect the data from piracy? Here is what follows: The Privacy Act the law and how it affects Canadian businesses. The Personal Information And Protection Act the law and what businesses need to do. Canada s Anti-spam Law - the law and what businesses must do with electronic messaging. The Cloud is your internet storage of data secure? 3

4 CHAPTER 1 The Privacy Act 4

5 The Privacy Act The Privacy Act relates to an individual s right to access and correct personal information the Government of Canada holds about them or the Government s collection, use and disclosure of their personal information in the course of providing services (e.g., old age pensions or employment insurance). It should be noted that the Privacy Act does not apply to political parties and political representatives. For businesses the only affect is on the business employee as an individual. Information held by the government could adversely affect an individual s employment status. The law allows for the individual to see what information the government has. n 5

6 CHAPTER 2 The Personal Information Protection and Electronic Documents Act 6

7 PIPEDA The Personal Information Protection and Electronic Documents Act PIPEDA sets out the ground rules for how private-sector organizations collect, use or disclose personal information in the course of commercial activities across Canada. It also applies to personal information of employees of federally-regulated works, undertakings, or businesses (organizations that are federally-regulated, such as banks, airlines, and telecommunications companies). It should be noted that PIPEDA does not apply to organizations that are not engaged in commercial activity. As such, it does not generally apply to not-for-profit and charity groups, associations or political parties, for example unless the organization is conducting a commercial activity (fundraising is not considered a commercial activity). In addition, PIPEDA will not apply to an organization that operates wholly within a province that has legislation that has been deemed substantially similar to the PIPEDA, unless the personal information crosses provincial or national borders. Alberta, British Columbia and Quebec have general private-sector legislation that has been deemed substantially similar. 7

8 PIPEDA Therefore, PIPEDA generally applies to: Private-sector organizations carrying on business in Canada in the provinces or territories of Manitoba, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Saskatchewan, or Yukon but not their handling of employee information. Private-sector organizations carrying on business in Canada when the personal information they collect, use or disclose crosses provincial or national borders but not their handling of employee information. Federally-regulated organizations carrying on commercial activity in Canada, such as a bank, airline, telephone or broadcasting company, etc., including their handling of health information and employee information. The act basically provides these three things: 1. People can access personal information held by an organization. 2. People can provide error correction to personal information. 3. People can file a complaint if not satisfied. The Office of the Privacy Commissioner of Canada has established privacy principles to be in compliance with the legal guidelines on what a business must do when collecting, using, and disclosing a citizen s information. 8

9 Privacy Principles.Principle 1 Accountability An organization is responsible for personal information under its control and shall designate an individual or individuals who are accountable for the organization s compliance with the following principles. Principle 2 Identifying Purposes The purposes for which personal information is collected shall be identified by the organization at or before the time the information is collected. Principle 3 Consent The knowledge and consent of the individual are required for the collection, use, or disclosure of personal information, except where inappropriate. Principle 4 Limiting Collection The collection of personal information shall be limited to that which is necessary for the purposes identified by the organization. Information shall be collected by fair and lawful means. Principle 5 Limiting Use, Disclosure, and Retention Personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required by law. Personal information shall be retained only as long as necessary for the fulfillment of those purposes. Principle 6 Accuracy Personal information shall be as accurate, complete, and up-to-date as is necessary for the purposes for which it is to be used. Principle 7 Safeguards Personal information shall be protected by security safeguards appropriate to the sensitivity of the information. Principle 8 Openness An organization shall make readily available to individuals specific information about its policies and practices relating to the management of personal information. Principle 9 Individual Access Upon request, an individual shall be informed of the existence, use, and disclosure of his or her personal information and shall be given access to that information. An individual shall be able to challenge the accuracy and completeness of the information and have it amended as appropriate. Principle 10 Challenging Compliance An individual shall be able to address a challenge concerning compliance with the above principles to the designated individual or individuals accountable for the organization s compliance. 9

10 CHAPTER 3 Canada's Anti-spam Legislation (CASL) 10

11 CASL CASL is in place to protect Canadians while ensuring that businesses can continue to compete in the global marketplace. The laws definition list what you can and cannot do regarding commercial messages sent to electronic addresses. There are basically three things a sender must do to be in compliance when sending commercial s identify yourself, have consent of recipient and an op-out provision. Proof is the responsibility of the sender. For a transition period, the law also allows for use of a current business mailing list for 36 months from July 2014, while consent is collected. It is your responsibility to understand and comply with the law. There are three general requirements for sending business electronic messages to an electronic address: 1, Consent can be either implied or expressed: express consent meaning it was given orally or in writing and does not expire until recipients unsubscribe. Express consent can also be obtained using opt-in check boxes for purchase or getting information. Implied consent means the recipient has done business with you or requested information in the past unless they have told you to stop. You have 36 months to obtain this recipient s consent. 2. Identification information must be in your message. 3. An unsubscribe mechanism must be in place for the recipient to opt-out of your messages. 11

12 What the New Law Means During the 36-month transition period, you can continue to use your current list if you have previously provided your products or services to them, and they haven't told you to stop. It is not illegal to send commercial electronic messages, but you need consent. CASL applies to s, text and instant messages, and any similar messages sent to electronic addresses (i.e. LinkedIn marketing). CASL does not apply to promotional information you post online in places like blogs or social media. Express consent received before July 1, 2014, is valid and does not expire until the recipient withdraws it. Businesses that already comply with privacy laws and use common best practices for marketing will require little effort to comply with CASL. The 36 month transition provides time to adjust and seek express consent from pre-existing clients. 12

13 July 1, 2014 The Law Is In Effect Now The Privacy Act, PIPEDA, and CASL govern: What personal information can be collected from individuals (including customers, clients and employees); When consent is required to collect personal information and how consent is obtained; What notice must be provided before personal information is collected, and How personal information may be used or disclosed The purposes for which personal information may be collected, used or disclosed by the organization; How an individual may get access to and request correction of his or her personal information held by the organization. 13

14 CHAPTER 4 The Cloud and Privacy Laws 14

15 Privacy Is Your Responsibility Canadian privacy laws pertain to organizations using cloud services. It is the responsibility of the business to protect this information, so the choice of a cloud vendor that is also in compliance with privacy laws is vital. For example, The Personal Information Protection and Electronic Documents Act (PIPEDA) principle states that an organization may engage third party vendors to process data on its behalf, but the organization will remain responsible for such personal information. With the advent of cloud computing and storage, Privacy Commissioners have stated some best practices for business: Restricting collection, use, and disclosure of information other than for purposes for which the third party is expressly retained. The vendor to maintain specific privacy, security and backup standards for the personal information that meet the organization's standards (or the organization to assess if the vendor's standards are adequate for its purposes). A right to audit the privacy and security practices of the cloud vendor. Notice, by the vendor, of any loss or unauthorized access to personal information. Access to personal information to the organization when required. Ownership of the personal information by the organization. Assistance provided to assist the organization in case of access requests, investigations, or correction requests. Prohibition on the assignment or subcontracting of the contract without the consent of the organization. Notice of any demand for access to or disclosure of personal information received by the vendor. Organizations that use cloud services must see if the particular service meets the organization's privacy compliance requirements. Is the vendor in a foreign country or does the cloud vendor reside in Canada? Canadian businesses may want to keep their data in Canada because of privacy and security concerns. Secure Canadian-based clouds can keep data entirely within Canadian borders. Canada s reputation as a peaceful nation makes it the perfect place for the world's data. 15

16 Data Is Where? Businesses need to be sure data doesn't t pass through any networks in another country, including the U.S., where it might be subject to unwarranted surveillance or seizure. A Canadian cloud that offers true data residency can t rely just on data centers sitting inside Canadian borders it must be connected by networks that are entirely within Canada. The disaster recovery zones where data is moved in the event of an outage must also be located in Canada. The three requirements for a secure Canadian cloud: physical storage of data in Canada; networks inside Canadian borders; and disaster recovery points local to Canada. There are 3 basic steps businesses can take to protect their information: 1. Information: customer and employee information must be protected and managed. Provisions must be in place to know what information is seen and by whom. 2. Understand the vendor organization: what is the process for protecting data? Is it in compliance with privacy laws? 3. Use certified cloud providers: Look for cloud providers who are independently certified as following best security practices. This provides customers with some assurance their cloud provider is doing what they can to protect against external attack or internal leaks. 16

17 Summary The new laws help protect the privacy of Canadians in this new digital world. The new laws also place the burden for compliance squarely on businesses which suggests a compliance strategy must be developed by businesses using electronic messaging. So unless the business is a hot dog stand, the law applies to almost all Canadian business. Here are some general points to include a privacy compliance strategy: Business is responsible for protecting personal information, identifying individuals responsible for oversight, and getting consent of individuals from whom the data is collected. Individuals have the right to know what businesses are doing about collecting and storing personal information and the right to access and change inaccurate information. Businesses must reveal they are the sender and have the consent of individuals receiving electronic massages. If the business does not have consent, there is a 36 month window to get it. Electronic messages must contain an op-out mechanism. Businesses using cloud services for data storage must ensure the cloud provider is following best practices as proscribed by the new laws. It is still the responsibility of the business to protect and preserve the data collected and stored 17 i

18 One Complete, Versatile and Easy-To-Use Out-Of-The-Box System! Still learning how these laws affect your business and the compliance policies required to do so? It is not an easy task for any Business especially when you consider that after these policies are in place how does one choose from the plethora of cloud storage offering. Additionally, how does your business plan to easily access and work with the information stored in the cloud? Often a Document Management or Collaboration Solution is required. Air Interactive Media powering AIM mview Suite, A Mobile Document Management & Collaboration Solution. Connect, Share, and Collaborate on any document, anytime, on any mobile or computing device. Let AIM mview Suite be your ANSWER and LEADER in compliancy concerns, cloud security, document sharing & collaboration. CALL Laura at (613) 507 VIEW (8439) Laura Brown, Senior Advisor Air Interactive Media Inc. A Publication of LOGO 18

Canada Post Group Economic Impact on Canada. Corporate Planning and Strategy

Canada Post Group Economic Impact on Canada. Corporate Planning and Strategy Canada Post Group Economic Impact on Canada Corporate Planning and Strategy July 27 Section 1 1. The National Impact 2. Impact on the Provinces Corporate Planning and Strategy, July 27 Page 2 Study of

More information

Privacy Law in Canada

Privacy Law in Canada Privacy Law in Canada Federal and provincial privacy legislation has a profound impact on the way virtually all organizations carry on business across the country. Canada s privacy laws, while likely the

More information

National Association of Pharmacy Regulatory Authority s Privacy Policy for Pharmacists' Gateway Canada

National Association of Pharmacy Regulatory Authority s Privacy Policy for Pharmacists' Gateway Canada Introduction National Association of Pharmacy Regulatory Authority s Privacy Policy for Pharmacists' Gateway Canada This Privacy Policy describes the manner in which the National Association of Pharmacy

More information

Privacy Law in Canada

Privacy Law in Canada by PATRICIA WILSON & MICHAEL FEKETE Protection of personal information remains at the forefront of public policy debate in. Federal and provincial privacy legislation has a profound impact on the way virtually

More information

SCHEDULE A ACCREDITED INVESTOR STATUS CERTIFICATE

SCHEDULE A ACCREDITED INVESTOR STATUS CERTIFICATE SCHEDULE A ACCREDITED INVESTOR STATUS CERTIFICATE TO BE COMPLETED BY BRITISH COLUMBIA, ALBERTA, SASKATCHEWAN, MANITOBA, ONTARIO, QUÉBEC, NEWFOUNDLAND AND LABRADOR, NOVA SCOTIA, NEW BRUNSWICK AND PRINCE

More information

HEALTH INFORMATION ACT (HIA) BILL QUESTIONS AND ANSWERS

HEALTH INFORMATION ACT (HIA) BILL QUESTIONS AND ANSWERS HEALTH INFORMATION ACT (HIA) BILL QUESTIONS AND ANSWERS KEY HIA CONCEPTS AND PROVISIONS Q. What is the purpose of the legislation? To protect clients personal health information. To set rules on the collection,

More information

Canadian Provincial and Territorial Early Hearing Detection and Intervention. (EHDI) Programs: PROGRESS REPORT

Canadian Provincial and Territorial Early Hearing Detection and Intervention. (EHDI) Programs: PROGRESS REPORT Canadian Provincial and Territorial Early Hearing Detection and Intervention (EHDI) Programs: PROGRESS REPORT www.sac-oac.ca www.canadianaudiology.ca 1 EHDI PROGRESS REPORT This progress report represents

More information

Doing Business. A Practical Guide. casselsbrock.com. Canada. Dispute Resolution. Foreign Investment. Aboriginal. Securities and Corporate Finance

Doing Business. A Practical Guide. casselsbrock.com. Canada. Dispute Resolution. Foreign Investment. Aboriginal. Securities and Corporate Finance About Canada Dispute Resolution Forms of Business Organization Aboriginal Law Competition Law Real Estate Securities and Corporate Finance Foreign Investment Public- Private Partnerships Restructuring

More information

MULTILATERAL INSTRUMENT 33-107 PROFICIENCY REQUIREMENTS FOR REGISTRANTS HOLDING THEMSELVES OUT AS PROVIDING FINANCIAL PLANNING AND SIMILAR ADVICE

MULTILATERAL INSTRUMENT 33-107 PROFICIENCY REQUIREMENTS FOR REGISTRANTS HOLDING THEMSELVES OUT AS PROVIDING FINANCIAL PLANNING AND SIMILAR ADVICE MULTILATERAL INSTRUMENT 33-107 PROFICIENCY REQUIREMENTS FOR REGISTRANTS HOLDING THEMSELVES OUT AS PROVIDING FINANCIAL PLANNING AND SIMILAR ADVICE PART 1 PROFICIENCY REQUIREMENTS 1.1 Proficiency Requirements

More information

CLOUD COMPUTING FOR SMALL- AND MEDIUM-SIZED ENTERPRISES:

CLOUD COMPUTING FOR SMALL- AND MEDIUM-SIZED ENTERPRISES: CLOUD COMPUTING FOR SMALL- AND MEDIUM-SIZED ENTERPRISES: Privacy Responsibilities and Considerations Cloud computing is the delivery of computing services over the Internet, and it offers many potential

More information

NORTHWESTEL CODE OF FAIR INFORMATION PRACTICES. Effective January 1, 2001

NORTHWESTEL CODE OF FAIR INFORMATION PRACTICES. Effective January 1, 2001 NORTHWESTEL CODE OF FAIR INFORMATION PRACTICES Effective January 1, 2001 The Northwestel Code of Fair Practices complies fully with the Personal Protection and Electronic Documents Act and incorporates

More information

Employment termination and group insurance coverage

Employment termination and group insurance coverage HEALTH & DENTAL / DISABILITY, LIFE AND AD&D 14-11 Employment termination and group insurance coverage This GroupLine is a revised version of GroupLine 07-02. Previous versions also include 05-21, 02-11

More information

Health and Safety - Are you in danger? Health and Safety Awareness. Why is health and safety awareness important?

Health and Safety - Are you in danger? Health and Safety Awareness. Why is health and safety awareness important? Health and Safety - Are you in danger? This summer, thousands of students across Canada will become employed in small and medium businesses, and in institutions such as hospitals and schools. Some will

More information

3. Consent for the Collection, Use or Disclosure of Personal Information

3. Consent for the Collection, Use or Disclosure of Personal Information PRIVACY POLICY FOR RENNIE MARKETING SYSTEMS Our privacy policy includes provisions of the Personal Information Protection Act (BC) and the Personal Information Protection and Electronic Documents Act (Canada),

More information

National Instrument Definitions. (3) In a national instrument or multilateral instrument

National Instrument Definitions. (3) In a national instrument or multilateral instrument PART 1 DEFINITIONS AND INTERPRETATION 1.1 and Interpretation (1) Every term that is defined or interpreted in the statute of the local jurisdiction referred to in Appendix B, the definition or interpretation

More information

Access to Basic Banking Services

Access to Basic Banking Services Access to Basic Banking Services Opening a personal deposit account and cashing Government of Canada cheques or other instruments In order to improve access to basic banking services, legislation requires

More information

Selected Annotated Bibliography Personal Health Information, Privacy and Access

Selected Annotated Bibliography Personal Health Information, Privacy and Access A. National Personal Information Protection and Electronic Documents Act, S.C. 2000, c. 5 canlii.org/en/ca/laws/stat/sc-2000-c-5/latest/sc-2000-c-5.html Privacy Act, R.S.C. 1985, c. P-21 canlii.org/en/ca/laws/stat/rsc-1985-c-p-21/latest/rsc-1985-c-p-21.html

More information

Your New Banking Rights. What you should know about access to basic banking services

Your New Banking Rights. What you should know about access to basic banking services Your New Banking Rights What you should know about access to basic banking services Table of Contents Protecting Consumers: The New Federal Banking Regulations...2 Opening a Personal Bank Account...3 When

More information

SCOTIA DEALER ADVANTAGE RETAIL FINANCING PROGRAM DEALER AGREEMENT

SCOTIA DEALER ADVANTAGE RETAIL FINANCING PROGRAM DEALER AGREEMENT SCOTIA DEALER ADVANTAGE RETAIL FINANCING PROGRAM DEALER AGREEMENT This Agreement executed on by Scotia Dealer Advantage Inc ( SDA ) and (the Dealer ). (Dealership Legal Name) WHEREAS the Dealer carries

More information

We ask that you contact our Privacy Officer in the event you have any questions or concerns regarding this Code or its implementation.

We ask that you contact our Privacy Officer in the event you have any questions or concerns regarding this Code or its implementation. PRIVACY AND ANTI-SPAM CODE FOR OUR DENTAL OFFICE Please refer to Appendix A for a glossary of defined terms. INTRODUCTION The Personal Health Information Act (PHIA) came into effect on December 11, 1997,

More information

Day-to-Day Banking. Opening a Personal Deposit Account or Cashing a Federal Government Cheque at Scotiabank. Cheque Holding Policy

Day-to-Day Banking. Opening a Personal Deposit Account or Cashing a Federal Government Cheque at Scotiabank. Cheque Holding Policy Day-to-Day Banking Opening a Personal Deposit Account or Cashing a Federal Government Cheque at Scotiabank Cheque Holding Policy Opening A Personal Deposit Account We make it easy to open a personal deposit

More information

Crawford Chondon &Partners LLP. Is your Business Ready for Canada s Anti Spam Law?

Crawford Chondon &Partners LLP. Is your Business Ready for Canada s Anti Spam Law? Crawford Chondon &Partners LLP Present Is your Business Ready for Canada s Anti Spam Law? By: Michael MacLellan Overview 1. What is Canada s Anti-Spam Legislation, and how will it apply? 2. What does CASL

More information

Operating revenue for the accounting services industry totaled $15.0 billion, up 4.8% from 2011.

Operating revenue for the accounting services industry totaled $15.0 billion, up 4.8% from 2011. Catalogue no. 63-256-X. Service bulletin Accounting Services 2012. Highlights Operating revenue for the accounting services industry totaled $15.0 billion, up 4.8% from 2011. Accounting, bookkeeping and

More information

The Manitoba Child Care Association PRIVACY POLICY

The Manitoba Child Care Association PRIVACY POLICY The Manitoba Child Care Association PRIVACY POLICY BACKGROUND The Manitoba Child Care Association is committed to comply with the legal obligations imposed by the federal government's Personal Information

More information

POLICE RECORD CHECKS IN EMPLOYMENT AND VOLUNTEERING

POLICE RECORD CHECKS IN EMPLOYMENT AND VOLUNTEERING POLICE RECORD CHECKS IN EMPLOYMENT AND VOLUNTEERING Know your rights A wide range of organizations are requiring employees and volunteers to provide police record checks. Privacy, human rights and employment

More information

Internet Connectivity Among Aboriginal Communities in Canada

Internet Connectivity Among Aboriginal Communities in Canada Internet Connectivity Among Aboriginal Communities in Canada Since its inception the Internet has been the fastest growing and most convenient means to access timely information on just about everything.

More information

Income tax rates for Canadian-controlled private corporations (CCPCs) 2012-2013

Income tax rates for Canadian-controlled private corporations (CCPCs) 2012-2013 Income tax rates for Canadian-controlled private corporations (CCPCs) 2012-2013 Federal income tax rates for income earned by a CCPC 1 Small Active Income between $400,000 and General Active General corporate

More information

AGREEMENT ON MOBILITY OF WITHIN CANADA

AGREEMENT ON MOBILITY OF WITHIN CANADA Canadian Council of Professional Engineers OF PROFESSIONAL ENGINEERS * WITHIN CANADA * The term professional engineer is an official mark held by the Canadian Council of Professional Engineers. AMONG:

More information

National Instrument 62-103 The Early Warning System and Related Take-Over Bid and Insider Reporting Issues. Table of Contents

National Instrument 62-103 The Early Warning System and Related Take-Over Bid and Insider Reporting Issues. Table of Contents National Instrument 62-103 The Early Warning System and Related Take-Over Bid and Insider Reporting Issues Table of Contents PART PART 1 PART 2 PART 3 PART 4 PART 5 PART 6 TITLE DEFINITIONS AND INTERPRETATION

More information

4.0 Health Expenditure in the Provinces and Territories

4.0 Health Expenditure in the Provinces and Territories 4.0 Health Expenditure in the Provinces and Territories Health expenditure per capita varies among provinces/territories because of different age distributions. xii Population density and geography also

More information

Bill C-27: First Nations Financial Transparency Act

Bill C-27: First Nations Financial Transparency Act Bill C-27: First Nations Financial Transparency Act Overview of Act Bill C-27: First Nations Financial Transparency Act was introduced in the House of Commons on November 23, 2011 and is identified as

More information

BY-LAW 6 PROFESSIONAL LIABILITY INSURANCE PART I LICENSEES HOLDING A CLASS L1 LICENCE GENERAL

BY-LAW 6 PROFESSIONAL LIABILITY INSURANCE PART I LICENSEES HOLDING A CLASS L1 LICENCE GENERAL BY-LAW 6 May 1, 2007 Amended: June 28, 2007 February 21, 2008 September 24, 2009 November 24, 2011 September 27, 2012 April 25, 2013 October 24, 2013 October 29, 2015 December 10, 2015 (editorial changes)

More information

Software Development and Computer Services

Software Development and Computer Services Catalogue no. 63-255-X. Service bulletin Software Development and Computer Services 2012. Highlights revenue generated by businesses in the software development and computer services industry advanced

More information

Index All entries in the index reference page numbers.

Index All entries in the index reference page numbers. Index All entries in the index reference page numbers. A Audit of organizations, 37-38, Access to personal information 162-163 by individual, 22, 31, 151-154 B assistance by organization, Biometrics, 123-125

More information

PARTICIPATION AGREEMENT REGARDING THE IMPLEMENTATION OF A CANADA~WIDE INSURANCE OF PERSONS (LIFE AND HEALTH) QUALIFICATION PROGRAM

PARTICIPATION AGREEMENT REGARDING THE IMPLEMENTATION OF A CANADA~WIDE INSURANCE OF PERSONS (LIFE AND HEALTH) QUALIFICATION PROGRAM PARTICIPATION AGREEMENT REGARDING THE IMPLEMENTATION OF A CANADA~WIDE INSURANCE OF PERSONS (LIFE AND HEALTH) QUALIFICATION PROGRAM This agreement ("Participation Agreement" or "this Agreement") is made

More information

Federal Personal Amounts... 4 Provincial and Territorial Tax Credits... 4 Canada/Quebec Pension... 7 Employment Insurance (EI) Employee...

Federal Personal Amounts... 4 Provincial and Territorial Tax Credits... 4 Canada/Quebec Pension... 7 Employment Insurance (EI) Employee... 2013 Taxation Rates Federal Personal Amounts... 4 Provincial and Territorial Tax Credits... 4 Canada/Quebec Pension... 7 Employment Insurance (EI) Employee... 7 Employment Insurance (EI) Employer... 7

More information

Protecting Yourself from Financial Abuse

Protecting Yourself from Financial Abuse Protecting Yourself from Financial Abuse Banks are very aware of the growing incidence of financial abuse of vulnerable people and can play an important role in raising awareness on the issue, including

More information

Citation: TD Asset Management Inc. et al, 2005 ABASC 436 Date: 20050429

Citation: TD Asset Management Inc. et al, 2005 ABASC 436 Date: 20050429 Headnote Mutual Reliance Review System for Exemptive Relief Applications investment advisor registered as such under US securities laws but operating out of Alberta is exempt from the registration requirement

More information

APPLICATION FOR INSURANCE

APPLICATION FOR INSURANCE APPLICATION FOR INSURANCE PROFESSIONAL LIABILITY INSURANCE FOR FINANCIAL AGENCIES & FIRMS THIS IS AN APPLICATION FOR A "CLAIMS MADE" POLICY (Words and expressions, other than in the headings, printed in

More information

Cloud Computing: Privacy and Other Risks

Cloud Computing: Privacy and Other Risks December 2013 Cloud Computing: Privacy and Other Risks by George Waggott, Michael Reid and Mitch Koczerginski, McMillan LLP Introduction While the benefits of outsourcing organizational data storage to

More information

E.164 National Numbering for Canada as Part of Country Code 1

E.164 National Numbering for Canada as Part of Country Code 1 CANADA E.164 National Numbering for Canada as Part of Country Code 1 Canada is part of Country Code 1, and participates in the North American Number Plan (NANP) with the USA and 18 Caribbean nations. A

More information

DISASTER RECOVERY INSTITUTE CANADA WEBSITE PRIVACY POLICY (DRIC) UPDATED APRIL 2004

DISASTER RECOVERY INSTITUTE CANADA WEBSITE PRIVACY POLICY (DRIC) UPDATED APRIL 2004 DISASTER RECOVERY INSTITUTE CANADA (DRIC) UPDATED APRIL 2004 This website privacy policy is intended to provide DRIC website visitors with information about how DRIC treats private and personal information

More information

Privacy 101: A Guide to Privacy Legislation for Fundraising Professionals and Not-For-Profit Organizations in Canada (Version I)

Privacy 101: A Guide to Privacy Legislation for Fundraising Professionals and Not-For-Profit Organizations in Canada (Version I) Privacy 101: A Guide to Privacy Legislation for Fundraising Professionals and Not-For-Profit Organizations in Canada (Version I) This guide was prepared by a cross-sector working group representing: Association

More information

Comments on Illegal Insider Trading in Canada: Recommendations on Prevention, Detection and Deterrence Report (the Insider Trading Report )

Comments on Illegal Insider Trading in Canada: Recommendations on Prevention, Detection and Deterrence Report (the Insider Trading Report ) February 2, 2004 Delivered and Via E-Mail Alberta Securities Commission British Columbia Securities Commission Saskatchewan Financial Services Commission Manitoba Securities Commission Ontario Securities

More information

Voluntary Scrapie Flock Certification Program Application for Advancement Requirements

Voluntary Scrapie Flock Certification Program Application for Advancement Requirements Administrative Fees: Voluntary Scrapie Flock Certification Program Application for Advancement Requirements An annual enrollment fee of $50/ hour plus HST or GST (depending upon province of residence)

More information

Personal Information Protection Act ( PIPA ) Privacy-Proofing Your Retail Business Tips for Protecting Customers Personal Information 1

Personal Information Protection Act ( PIPA ) Privacy-Proofing Your Retail Business Tips for Protecting Customers Personal Information 1 Personal Information Protection Act ( PIPA ) Tips for Protecting Customers Personal Information 1 More than ever before, retailers have to be prepared to deal with customers who ask questions about the

More information

CANADA SUMMER JOBS 2016. Creating Jobs, Strengthening Communities. Applicant Guide

CANADA SUMMER JOBS 2016. Creating Jobs, Strengthening Communities. Applicant Guide CANADA SUMMER JOBS 2016 Creating Jobs, Strengthening Communities Applicant Guide Table of Contents 1.0 Purpose... 3 2.0 Introduction... 3 2.1 Objectives... 3 2.2 Assessment Criteria... 3 2.3 Application

More information

A Privacy Handbook for Lawyers PIPEDA AND YOUR PRACTICE

A Privacy Handbook for Lawyers PIPEDA AND YOUR PRACTICE A Privacy Handbook for Lawyers PIPEDA AND YOUR PRACTICE Table of Contents Introduction...1 Privacy Issues in Managing a Law Practice...6 Privacy issues in Civil Litigation...16 Conclusion...26 Endnotes...28

More information

Taking care of what s important to you

Taking care of what s important to you A v i v a C a n a d a I n c. P r i v a c y P o l i c y Taking care of what s important to you Table of Contents Introduction Privacy in Canada Definition of Personal Information Privacy Policy: the ten

More information

Consulting Services. Service bulletin. Highlights. Catalogue no. 63-259-X

Consulting Services. Service bulletin. Highlights. Catalogue no. 63-259-X Catalogue no. 63-259-X. Service bulletin Consulting Services 2010. Highlights revenues for the consulting services industry in Canada increased by 1.6% in 2010 to $12.8 billion, up from $12.6 billion in

More information

AND IN THE MATTER OF THE MUTUAL RELIANCE REVIEW SYSTEM FOR EXEMPTIVE RELIEF APPLICATIONS AND IN THE MATTER OF TD ASSET MANAGEMENT INC.

AND IN THE MATTER OF THE MUTUAL RELIANCE REVIEW SYSTEM FOR EXEMPTIVE RELIEF APPLICATIONS AND IN THE MATTER OF TD ASSET MANAGEMENT INC. July 28, 2005 IN THE MATTER OF THE SECURITIES LEGISLATION OF BRITISH COLUMBIA, ALBERTA, SASKATCHEWAN, MANITOBA, ONTARIO, QUEBEC, NEW BRUNSWICK, NOVA SCOTIA, PRINCE EDWARD ISLAND, NEWFOUNDLAND AND LABRADOR,

More information

BMO Equal Weight Utilities Index ETF BMO Equal Weight REITs Index ETF BMO Equal Weight US Health Care Hedged to CAD Index ETF

BMO Equal Weight Utilities Index ETF BMO Equal Weight REITs Index ETF BMO Equal Weight US Health Care Hedged to CAD Index ETF AMENDMENT NO. 2 DATED MAY 4, 2016 TO THE PROSPECTUS OF THE BMO ETFs DATED JANUARY 29, 2016 AS AMENDED BY AMENDMENT NO. 1 DATED MARCH 8, 2016 (THE PROSPECTUS ) BMO Equal Weight Utilities Index ETF BMO Equal

More information

Instructions NDEB Equivalency Process

Instructions NDEB Equivalency Process NDEB Equivalency Process Table of Contents Submitting an online application... 3 Website... 3 Online registration portal... 5 Submitting required documents... 10 Application Instructions-Final.docx 2 /

More information

Guideline 6A: Record Keeping and Client Identification for Life Insurance Companies, Brokers and Agents

Guideline 6A: Record Keeping and Client Identification for Life Insurance Companies, Brokers and Agents Guideline 6A: Record Keeping and Client Identification for Life Insurance Companies, Brokers and Agents Rev. 2014-02 Guideline 6A: Record Keeping and Client Identification for Life Insurance Companies,

More information

FREQUENTLY ASKED QUESTIONS MOBILITY

FREQUENTLY ASKED QUESTIONS MOBILITY FREQUENTLY ASKED QUESTIONS MOBILITY These FAQs are intended to provide you with an overview to the provisions respecting mobility. The questions and answers are intended as a guide, only. Lawyers seeking

More information

Probate planning to minimize estate costs

Probate planning to minimize estate costs Probate planning to minimize estate costs Probate serves as proof to financial institutions, financial advisors and the land registry office that your will has been certified by the court and that your

More information

INSURANCE BROKERS ASSOCIATION OF CANADA

INSURANCE BROKERS ASSOCIATION OF CANADA FOR INTERNAL USE ONLY NOT FOR PUBLIC DISTRIBUTION INSURANCE BROKERS ASSOCIATION OF CANADA BROKER GUIDE FOR THE USE OF THE PERSONAL INFORMATION PROTECTION AND ELECTRONIC DOCUMENTS ACT (PIPEDA) COMPLIANCE

More information

Electronic Health Records

Electronic Health Records Electronic Health Records AN OVERVIEW OF FEDERAL AND PROVINCIAL AUDIT REPORTS APRIL 2010 Office of the Auditor General of Canada Bureau du vérificateur général du Canada PARTICIPATING LEGISLATIVE AUDIT

More information

Canada-U.S. Estate Planning for the Cross-Border Executive

Canada-U.S. Estate Planning for the Cross-Border Executive February 16, 2010 Canada-U.S. Estate Planning for the Cross-Border Executive Beth Webel (Toronto) Nadja Ibrahim (Calgary) Agenda Canadian death tax regime US estate tax regime US citizens moving to Canada

More information

Workers' Compensation

Workers' Compensation Suite How to Use GrandMaster Suite Workers' Compensation This page intentionally left blank Workers' Compensation 3 Table of Contents: HOW TO USE GRANDMASTER SUITE - WORKERS' COMPENSATION...4 OVERVIEW...4

More information

Additional Tables, Youth Smoking Survey 2008-09

Additional Tables, Youth Smoking Survey 2008-09 Additional Tables, Youth Smoking Survey 2008-09 Table 1. cigar use in last 30 days, cigarillo/little cigar/cigar use in last 30 days, cigarette use in the last 30 days, self defining as a smoker, Canada,

More information

Credentialling Application Process Guide

Credentialling Application Process Guide CANADIAN ALLIANCE OF PHYSIOTHERAPY REGULATORS Credentialling Application Process Guide January 1, 2015 Revised: September 23, 2015 P a g e 2 Contents Practicing Physiotherapy in Canada... 3 Before Applying...

More information

THE PERSONAL INFORMATION PROTECTION AND ELECTRONIC DOCUMENTS ACT (PIPEDA) PERSONAL INFORMATION POLICY & PROCEDURE HANDBOOK

THE PERSONAL INFORMATION PROTECTION AND ELECTRONIC DOCUMENTS ACT (PIPEDA) PERSONAL INFORMATION POLICY & PROCEDURE HANDBOOK THE PERSONAL INFORMATION PROTECTION AND ELECTRONIC DOCUMENTS ACT (PIPEDA) PERSONAL INFORMATION POLICY & PROCEDURE HANDBOOK REVISED August 2004 PERSONAL INFORMATION POLICY & PROCEDURE HANDBOOK Introduction

More information

Best Practices Handbook

Best Practices Handbook Best Practices Handbook January 2016 Table of Contents Introduction...3 Empire Life Distribution Partner Code of Conduct...4 Unacceptable Sales Practices...5 Advisor Disclosure...8 Anti-Money Laundering

More information

PROVINCIAL/TERRITORIAL COUNCIL Of MINISTERS OF SECURITIES REGULATION (Council) ANNUAL PROGRESS REPORT January 2013 to December 2013

PROVINCIAL/TERRITORIAL COUNCIL Of MINISTERS OF SECURITIES REGULATION (Council) ANNUAL PROGRESS REPORT January 2013 to December 2013 PROVINCIAL/TERRITORIAL COUNCIL Of MINISTERS OF SECURITIES REGULATION (Council) ANNUAL PROGRESS REPORT January 2013 to December 2013 BACKGROUND Since its formation in 2004, the Provincial-Territorial Council

More information

INTERPROVINCIAL LOTTERY CORPORATION

INTERPROVINCIAL LOTTERY CORPORATION INTERPRETATION 1. In these rules and regulations, (a) annuity means a sum of money payable yearly or at other regular intervals; (b) control number means the number printed or encoded on a ticket to assist

More information

Insights and Commentary from Dentons

Insights and Commentary from Dentons dentons.com Insights and Commentary from Dentons On March 31, 2013, three pre-eminent law firms Salans, Fraser Milner Casgrain, and SNR Denton combined to form Dentons, a Top 10 global law firm with more

More information

BRM Programs What to Expect for the 2013 Program Year

BRM Programs What to Expect for the 2013 Program Year Growing Forward 2 is a five-year policy framework for Canada s agriculture and agri-food sector and the basis for the delivery of federal-provincial-territorial programs. Growing Forward 2 includes ongoing

More information

Privacy Bulletin. Key Differences between US and Canadian Anti-Spam Laws

Privacy Bulletin. Key Differences between US and Canadian Anti-Spam Laws Privacy Bulletin April 2014 Key Differences between US and Canadian Anti-Spam Laws Canada's Anti-Spam Law (or "CASL") will be in effect in July 2014, about ten years after the U.S. has enacted its anti-spam

More information

The Ten privacy principles and our commitment to them are as follows:

The Ten privacy principles and our commitment to them are as follows: Your Privacy is Our Concern Federated Insurance Company of Canada 1 is committed to protecting your personal information, whether you are a customer of Federated or not, and, no matter how we came to be

More information

PROVINCIAL/TERRITORIAL COMPASSIONATE LEAVE LEGISLATION Provinces/Territories with Compassionate Care Leave Legislation

PROVINCIAL/TERRITORIAL COMPASSIONATE LEAVE LEGISLATION Provinces/Territories with Compassionate Care Leave Legislation PROVINCIAL/TERRITORIAL COMPASSIONATE LEAVE LEGISLATION Provinces/Territories with Compassionate Care Leave Legislation Almost all of the provinces and territories either had existing labour legislation

More information

PERSONAL INFORMATION PRIVACY POLICY FOR EMPLOYEES AND VOLUNTEERS [ABC SCHOOL]

PERSONAL INFORMATION PRIVACY POLICY FOR EMPLOYEES AND VOLUNTEERS [ABC SCHOOL] [Insert Date of Policy] PERSONAL INFORMATION PRIVACY POLICY FOR EMPLOYEES AND VOLUNTEERS of [ABC SCHOOL] Address Independent schools in British Columbia are invited to adopt or adapt some or all of this

More information

CIHI Submission: 2011 Prescribed Entity Review

CIHI Submission: 2011 Prescribed Entity Review pic pic CIHI Submission: 2011 Prescribed Entity Review October 2011 Who We Are Established in 1994, CIHI is an independent, not-for-profit corporation that provides essential information on Canada s health

More information

Managing the message Canada s new anti-spam law sets a high bar

Managing the message Canada s new anti-spam law sets a high bar Managing the message Canada s new anti-spam law sets a high bar According to a recent Deloitte poll, only 13% of organizations say they understand CASL requirements and have begun to apply them to their

More information

University tuition fees, 2014/2015 Released at 8:30 a.m. Eastern time in The Daily, Thursday, September 11, 2014

University tuition fees, 2014/2015 Released at 8:30 a.m. Eastern time in The Daily, Thursday, September 11, 2014 University tuition fees, 2014/2015 Released at 8:30 a.m. Eastern time in The Daily, Thursday, September 11, 2014 Canadian full-time students in undergraduate programs paid 3.3% more on average in tuition

More information

July 25, 2014. Dear Sirs/Mesdames:

July 25, 2014. Dear Sirs/Mesdames: July 25, 2014 British Columbia Securities Commission Alberta Securities Commission Financial and Consumer Affairs Authority of Saskatchewan Manitoba Securities Commission Ontario Securities Commission

More information

Software Development and Computer Services

Software Development and Computer Services Catalogue no. 63-255-X. Service bulletin Software Development and Computer Services 2011. Highlights revenue in the Canadian software development and computer services industry group increased by 9.5%

More information

RISK RESPONSIBILITY REALITY APPENDIX D AUTOMOBILE INSURANCE IN CANADA

RISK RESPONSIBILITY REALITY APPENDIX D AUTOMOBILE INSURANCE IN CANADA The appendix includes relevant clauses drawn from the Compulsory Minimum Insurance Coverage for Private Passenger Vehicles as prepared by the Insurance Bureau of Canada (FACTS 2005 p. 12-15) used with

More information

PIPEDA and Online Backup White Paper

PIPEDA and Online Backup White Paper PIPEDA and Online Backup White Paper The cloud computing era has seen a phenomenal growth of the data backup service industry. Backup service providers, by nature of their business, are compelled to collect

More information

West Nile virus National Surveillance Report English Edition September 8 to September 14, 2013 (Report Week 37)

West Nile virus National Surveillance Report English Edition September 8 to September 14, 2013 (Report Week 37) West Nile virus National Surveillance Report English Edition September to September, (Report Week ) Canada Humans: During surveillance week, the Public Health Agency of Canada (the Agency) was informed

More information

The Use of Cloud Computing for the Storing and Accessing of Client Information: Some Practical and Ethical Considerations

The Use of Cloud Computing for the Storing and Accessing of Client Information: Some Practical and Ethical Considerations The Use of Cloud Computing for the Storing and Accessing of Client Information: Some Practical and Ethical Considerations Jeffrey D. Scott Jeffrey D. Scott, Legal Professional Corporation Practice Advisors

More information

OHA BACKGROUNDER Canada s Anti-Spam Legislation (CASL)

OHA BACKGROUNDER Canada s Anti-Spam Legislation (CASL) OHA BACKGROUNDER Canada s Anti-Spam Legislation (CASL) May 2014 In December 2010, the federal government passed Bill C-28, the Fighting Internet and Wireless Spam bill, referred to as Canada s Anti-Spam

More information

Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit. Note: This is an important document. Please keep it in a safe place.

Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit. Note: This is an important document. Please keep it in a safe place. Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit Page 1 of 11 Table of Contents Note: This is an important document. Please keep it in a safe place. Introduction...2 Your rights

More information

Report of the CMEC Quality Assurance Subcommittee

Report of the CMEC Quality Assurance Subcommittee Report of the CMEC Quality Assurance Subcommittee 2007 2007 CMEC Jurisdictional Update on Activities Related to Quality Assurance Introduction In February 2007, ministers responsible for advanced education

More information

Cloud Computing: Legal Risks and Best Practices

Cloud Computing: Legal Risks and Best Practices Cloud Computing: Legal Risks and Best Practices A Bennett Jones Presentation Toronto, Ontario Lisa Abe-Oldenburg, Partner Bennett Jones LLP November 7, 2012 Introduction Security and Data Privacy Recent

More information

The HR Skinny: Effectively managing international employee data flows

The HR Skinny: Effectively managing international employee data flows The HR Skinny: Effectively managing international employee data flows Topics we will cover today Laws affecting HR data flows HR international data protection challenges and strategic solutions Case study

More information

Sage 50 Accounting (Release 2015.1)

Sage 50 Accounting (Release 2015.1) Sage 50 Accounting (Release 2015.1) December 2014 Contents Sage 50 Accounting Canadian Edition (Release 2015.1) 1 Sage 50 Accounting Release 2015.1 1 What's new and product improvements 1 Support for employer

More information

Atlantic Provinces 71 COMMUNITIES

Atlantic Provinces 71 COMMUNITIES NATIONAL STUDY OF AUTOMOBILE INSURANCE RATES Third Release Atlantic Provinces 71 COMMUNITIES vs. British Columbia, Alberta Saskatchewan, Manitoba & Ontario 3,985,162 Auto Insurance Rates Compared October

More information

AN OVERVIEW OF CANADA S ANTI-SPAM LEGISLATION

AN OVERVIEW OF CANADA S ANTI-SPAM LEGISLATION AN OVERVIEW OF CANADA S ANTI-SPAM LEGISLATION These materials are provided for general information only and do not constitute legal advice. Readers are encouraged to seek legal advice for any particular

More information

CASL Canada s Anti-Spam Law. Webinar One - Consent

CASL Canada s Anti-Spam Law. Webinar One - Consent CASL Canada s Anti-Spam Law Webinar One - Consent 1 Disclaimer The information included in this presentation may not reflect the views of Industry Canada, or the Canadian Radio-television and Telecommunications

More information

Investing and the Internet. Be Alert to Signs of Fraud

Investing and the Internet. Be Alert to Signs of Fraud Investing and the Internet Be Alert to Signs of Fraud The Internet can be an invaluable tool for investors and offers a wealth of information about financial markets and personal investing. News services,

More information

Survey of Innovation and Business Strategy, 2012 Released at 8:30 a.m. Eastern time in The Daily, Monday, March 10, 2014

Survey of Innovation and Business Strategy, 2012 Released at 8:30 a.m. Eastern time in The Daily, Monday, March 10, 2014 Survey of Innovation and Business Strategy, 2012 Released at 8:30 a.m. Eastern time in The Daily, Monday, March 10, 2014 Global value chains Business activities performed outside of Canada In 2012, 13.7

More information

B2B Business Relations and Consent Requirements under the New Canadian Anti-Spam Law

B2B Business Relations and Consent Requirements under the New Canadian Anti-Spam Law January 2014 Privacy Bulletin B2B Business Relations and Consent Requirements under the New Canadian Anti-Spam Law Last month, the Minister of Industry announced that Canada's new Anti-Spam legislation

More information

Open Government and Information Management. Roy Wiseman Executive Director, MISA/ASIM Canada CIO (Retired), Region of Peel roy.wiseman@outlook.

Open Government and Information Management. Roy Wiseman Executive Director, MISA/ASIM Canada CIO (Retired), Region of Peel roy.wiseman@outlook. Open Government and Information Management Roy Wiseman Executive Director, MISA/ASIM Canada CIO (Retired), Region of Peel roy.wiseman@outlook.com Open Government Defined Government of Canada defines Open

More information

Anti-Spam Toolkit February 2014

Anti-Spam Toolkit February 2014 Anti-Spam Toolkit February 2014 Table of Contents Introduction 1 Sending Commercial Electronic Messages 4 Obtaining Consents 12 Message Formalities 15 Updating Messaging Systems 17 Transitional Provisions

More information

Control and sale of alcoholic beverages, for the year ending March 31, 2013 Released at 8:30 a.m. Eastern time in The Daily, Thursday, April 10, 2014

Control and sale of alcoholic beverages, for the year ending March 31, 2013 Released at 8:30 a.m. Eastern time in The Daily, Thursday, April 10, 2014 Control and sale of alcoholic beverages, for the year ending March 31, 2013 Released at 8:30 a.m. Eastern time in The Daily, Thursday, April 10, 2014 Beer and liquor stores and agencies sold $21.4 billion

More information

Public Accounting Rights for Certified General Accountants in Canada. Issue Brief

Public Accounting Rights for Certified General Accountants in Canada. Issue Brief Public Accounting Rights for Certified General Accountants in Canada Issue Brief IMPORTANT NOTE: Some information regarding Ontario is out of date pursuant to the adoption of the Public Accounting Act,

More information

Control and sale of alcoholic beverages, for the year ending March 31, 2012 Released at 8:30 a.m. Eastern time in The Daily, Thursday, April 11, 2013

Control and sale of alcoholic beverages, for the year ending March 31, 2012 Released at 8:30 a.m. Eastern time in The Daily, Thursday, April 11, 2013 Control and sale of alcoholic beverages, for the year ending March 31, 2012 Released at 8:30 a.m. Eastern time in The Daily, Thursday, April 11, 2013 Beer and liquor stores and agencies sold $20.9 billion

More information

Please note that this paper is a legislative review only and does not account for interpretations of the law by the courts.

Please note that this paper is a legislative review only and does not account for interpretations of the law by the courts. Powers of Attorney Across the Country Prepared for the Ontario Bar Association Cross Country Expedition: Probate and Incapacity Planning and Administration Across Provincial Boundaries Nimali D. Gamage

More information