This website and the OSC’s social media sites are controlled by the OSC from its offices within the Province of Ontario, Canada. All matters relating to your access to, or use of, this website or any of the OSC’s social media sites (including the content thereat) shall be governed by the laws of the Province of Ontario and the laws of Canada applicable therein, without regard to its conflict of laws principles. In the event of a dispute, you agree to submit to the non-exclusive jurisdiction of the courts located in the Province of Ontario.
Intellectual property rights
The OSC owns all copyright and other intellectual property rights in all content on this website, in the underlying website code and in all content on its social media sites, or has the permission of the owner of those rights to use the content on this website or such social media sites. The mention or display of trade-marks, trade names or service marks on this website or any of the OSC’s social media sites is not intended to and will not convey or create any license or other rights to use such names and marks.
Limited license of content
You are granted a limited license to display on your computer, download, print and use the content of this website and the OSC’s social media sites only for your own informational purposes or for educational, teaching and training purposes. You may not modify any content that you use. Except as provided below, You may not use the content on this website or on any of the OSC’s social media sites for any commercial purpose.
Uses subject to prior written approval
providing a description of your proposed use, including the specific content you wish to use, the manner in which it will be used and the duration of the use. If the OSC grants approval for the proposed use, it may require that you meet certain terms and conditions. If the OSC declines your request, you may not use its content for the proposed purposes. These approval requirements do not apply to Embeddable Content licensed to You in accordance with the "Embeddable Content" paragraph below.
Information on this website or the OSC's social media sites is not official OSC policy, or legal or financial advice
Information provided on this website or on the OSC’s social media sites is to be used for information and educational purposes only. It is not intended to provide investment, financial, accounting, legal, tax or other professional advice and should not be relied upon or regarded as a substitute for such advice. We recommend that you seek advice from a qualified professional advisor before acting on any information or other content appearing on this website, the OSC’s social media sites or any website to which they may be linked.
Accuracy and warranties
Although the content on this website, and any content posted by the OSC itself on its social media sites, is believed to be complete and accurate when posted, we cannot guarantee that it is or will remain accurate, complete or current, or that it will be available without interruption.
NEITHER THE OSC NOR ANY OF ITS SUPPLIERS GUARANTEES THE QUALITY, ACCURACY, TIMELINESS, OR COMPLETENESS OF ANY OF THE CONTENT OR CALCULATIONS ON THIS WEBSITE OR ON ITS SOCIAL MEDIA SITES. NEITHER THE OSC NOR ANY OF ITS SUPPLIERS WILL BE LIABLE FOR ANY DAMAGES OR CLAIMS OF ANY KIND ARISING FROM OR RELATING TO ANY USE OF THIS WEBSITE, ANY OF THE OSC’S SOCIAL MEDIA SITES OR THEIR RESPECTIVE CONTENT OR CALCULATORS FOR ANY PURPOSE.
THE OSC AND EACH OF ITS SUPPLIERS DISCLAIM ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS, EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES, REPRESENTATIONS, OR CONDITIONS OF MERCHANTABILITY, MERCHANTABLE QUALITY, QUALITY, AND FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR OTHER VIOLATION OF RIGHTS, WHETHER ARISING BY STATUTE, USAGE OF TRADE, COURSE OF DEALING, OR OTHERWISE. NEITHER THE OSC NOR ANY OF ITS SUPPLIERS WARRANTS OR MAKES ANY OTHER REPRESENTATIONS REGARDING THE USE, ACCURACY, TIMELINESS, APPLICABILITY, PERFORMANCE, SECURITY, AVAILABILITY OR RELIABILITY OF THIS WEBSITE, ANY OF THE OSC’S SOCIAL MEDIA SITES, ANY SITES CONTAINING EMBEDDABLE CONTENT, ANY SITES LINKED TO BY ANY OF THE FOREGOING, OR THE RESULTS FROM THE USE OF ANY OF THE FOREGOING, OR OTHERWISE RESPECTING, THE CONTENT OR CALCULATORS ON THIS WEBSITE, ANY OF THE OSC’S SOCIAL MEDIA SITES, ANY SITES CONTAINING EMBEDDABLE CONTENT OR ANY SITES LINKED TO THIS WEBSITE OR ANY OF SUCH SOCIAL MEDIA SITES.
Where an embed code is provided for content on this website (“Embeddable Content”), You are granted a limited license to use and display Embeddable Content on your website subject to the following additional terms and conditions:
- You may not charge users of your website for access to the Embeddable Content, use the Embeddable Content as means to secure advertising, or commercialise the Embeddable Content in any other way;
- You may not suggest any endorsement or approval by the OSC of Your website, any entity, product or content or any views expressed within Your website;
- You may not use the Embeddable Content in conjunction with any content or websites that:
- could be considered defamatory, indecent, obscene, harassing, violent or otherwise objectionable;
- violate the legal rights of others or violate the laws of any jurisdiction (including, without limitation, rights of privacy and proprietary rights);
- impersonate anyone else or otherwise misrepresent Your identity or status;
- misrepresent an affiliation with any person or organization;
- upload or otherwise transmit any advertisements or solicitations of business;
- upload or otherwise transmit files that contain a virus or corrupted data; or
- collect information about others (including e-mail addresses) without their consent;
You agree that the OSC has the right to monitor Your usage of the Embeddable Content, including traffic generated by You;
The OSC may suspend the operation of the Embeddable Content for maintenance or other reasons at any time, without notice. Access to or use of the Embeddable Content or any pages linked to it will be not necessarily be uninterrupted or error free;
The OSC reserves the right to terminate or discontinue Your license or Your use of the Embeddable Content at any time, without notice;
You may terminate this license at any time by ceasing to use the Embeddable Content and removing it from Your website; and
Any termination of this license will not affect any accrued rights or liabilities of either party nor shall it affect any provision hereof which is expressly or by implication intended to come into, or continue in, force on or after such termination, including, without limitation, clause 6.
Links to other websites or social media sites
Any hypertext links that are provided to other websites or social media sites are as a convenience only. The OSC does not endorse any statements that may be made or any services or products that may be mentioned or promoted on those websites or social media sites or license the use of any content on those websites or social media sites.
Links from other websites
Access to this website or any of the OSC’s social media sites may be provided by a hypertext link or other link located at another website or social media site. Although the OSC encourages and appreciates links from third-party websites and social media sites, the OSC has no responsibility for the content of such sites and does not endorse, authorize, approve, certify, maintain, or control these other sites and does not guarantee the accuracy, completeness, efficacy or timeliness of the information located at such sites.
You may not use the website in any manner which could damage, disable, overburden or impair the website or any system or network connected to the website or interfere with any other party’s use and enjoyment of the website. You may not attempt to gain unauthorized access to the website or any system or network connected to the website through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available to you through the website.
The OSC may at any time, without notice, in its sole discretion and without cause, terminate your right to access or use this website, Embeddable Content or any of the OSC’s social media sites.
Social Media Guidelines
The OSC encourages all users to discuss and interact with the GetSmarterAboutMoney.ca community, including its blogs, Facebook, Twitter, YouTube and other sources of content. You are welcome to post views and opinions in reaction to any content which the OSC posts or otherwise publishes on its social media sites. However, by participating on any of the OSC’s social media sites, you agree to comply with these guidelines.
No Endorsement. Content shared on the OSC’s social media sites should not be interpreted as an endorsement of the author, the shared content or of any organization the shared content refers to. Being followed by the OSC does not imply endorsement of any kind.
Third Party Terms and Conditions. You acknowledge that your use of the OSC’s social media sites is governed not only by these guidelines, but by the guidelines and other terms and conditions stipulated by the operator of the social media site. In participating in any of the OSC’s social media sites, you agree to comply with the applicable operator’s guidelines and terms and conditions.
Your Content. You acknowledge that any content, views, opinions, responses to questions or other information which you upload, express, submit or otherwise post is available to the public. Other participants may use your posted information beyond the control of the OSC. If you do not wish to have any information you have made available to the public or used, published, copied and/or reprinted by the OSC or any other person, please do not post such information.
No Responsibility for Third Party Views or Opinions. Any content, views, opinions, responses to questions and/or other information uploaded, expressed, submitted or otherwise posted by the creators, sponsors, advertisers or users of the applicable social media site, including on its “walls”, web pages, message boards and groups or otherwise communicated through it, other than the content provided by the OSC, are solely the views, opinions and responsibility of the person submitting them and do not necessarily reflect the opinions of the OSC. The OSC is not responsible for content that third parties publish, post, upload, distribute, disseminate or otherwise transmit via any of the OSC’s social media sites.
Right to Moderate. The OSC reserves the sole right to review, edit and/or delete any comment, view, opinion, response or other content it deems inappropriate. The OSC does not condone any form of harassment, written attacks, insults, vulgarity or indecency. You agree not to do any of the following: (i) upload to or transmit using any of the OSC’s social media sites any defamatory, indecent, obscene, harassing, violent or otherwise objectionable material, or any material that is, or may be, protected by copyright, without permission from the copyright owner; (ii) use any of the OSC’s social media sites to violate the legal rights (including the rights of confidentiality and privacy) of others or to violate the laws of any jurisdiction; (iii) misrepresent an affiliation with any person or organization; (iv) upload to or transmit on any of the OSC’s social media sites any advertisements or solicitations of business; (v) upload or otherwise transmit files that contain a virus or corrupted data; (vi) collect information about others (including e-mail addresses) without their consent; (vii) upload or transmit files or photos or include in a comment links that you know, or have reason to believe, cannot be distributed legally using the OSC’s social media site or that you have an obligation to keep confidential; (viii) engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the OSC’s social media site, or which, as determined by the OSC, may harm the OSC or visitors to the OSC’s social media site(s) or expose them to liability.
Not Duty to Monitor/Moderate or Respond. Although the OSC has the right to review, edit and/or delete any comment, view, opinion, response or other content it deems inappropriate, the OSC is under no obligation to do so. You acknowledge that the OSC can neither review all material that is posted on its social media sites nor ensure prompt removal of objectionable material. Accordingly, the OSC assumes no liability for any action or inaction regarding transmissions, communications or content provided by third parties. The OSC has no liability or responsibility to anyone for performance or non-performance of the activities described in this paragraph or the paragraph immediately preceding.
Consequences of Non-Compliance. Your failure to comply with these guidelines may result in the termination of your access to the OSC’s social media sites.
Personal Information We Collect. The OSC may collect personal information about you, including:
- information that you provide when you contact us about one of our products or services or enroll in one of our activities, contests or courses, including age, school and teacher’s name and contact particulars when students enter our competitions;
- name, address, telephone number, email addresses and other contact information;
- demographic data such as age and investment experience;
- preferences such as how individuals use our website or social media sites and what they would like to see on the site; and
- other information that we collect with your consent or as permitted or required by law.
Use of Personal Information. The OSC may use your personal information for the following purposes:
to contact you to send information you have requested;
to send you newsletters and other electronic communications that you have subscribed to;
to respond to your questions and requests;
to conduct and administer surveys, promotions, competitions, games and contests; and
otherwise with your consent or as permitted or required by law.
Disclosure of Your Personal Information. The OSC may disclose your personal information in the following circumstances:
as necessary to meet legal, regulatory, insurance, audit, processing and security requirements; and
otherwise with your consent or as permitted or required by law.
Service Providers. We may also transfer personal information to third party agents or service providers which provide services such as data processing, mailing, administrative, website or other online analytics or other services on our behalf. We take reasonable measures to ensure that your personal information that is processed by these service providers is protected and not used or disclosed for purposes other than as directed by us. Some of our service providers may be located in foreign jurisdictions and will be subject to the laws of such jurisdictions, which may permit foreign government and national security authorities to access to your personal information in certain circumstances.
Our Website and Social Media Sites. Certain browsing information may be collected to help the OSC evaluate the website or any of its social media sites and determine how it is used. For example, we may collect your IP address, browser type, operating system, domain name, access times and referring website addresses. This information may be combined with that of other visitors to the website and used for the management and improvement of the website; for example, we may use such information to assess which areas of the website are most commonly accessed. The OSC may use service providers to help us collect and analyze this information, and we may share this information and other information of this type with service providers retained by the OSC to assist in the development and administration of the website or the social media site(s).
. Some advertising partners may participate in industry programs that include web pages to visit to opt out, such as program offered by The Digital Advertising Alliance of Canada at http://youradchoices.ca
Links. If you link to other websites from this website, the OSC is not responsible for the privacy practices of those websites and you should review the terms applying to any website that you link to.
You may withdraw your consent to our collection, use and disclosure of personal information at any time, subject to contractual and legal restrictions and reasonable notice, by contacting us as explained below. Note, however, that if you withdraw your consent to certain uses of your personal information, we may no longer be able to provide related products or services to you.
Security. We protect your personal information in our custody or control using physical, electronic or procedural security measures appropriate to the sensitivity of the information, which may include safeguards to protect against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
Need more information?
Ontario Securities Commission
20 Queen Street West
Reception: 20th floor, Attention: Investor Office
Access or correction of your personal information is subject to applicable legal restrictions.