These Terms of Use (these “Terms”) describe your rights and responsibilities as a user of our Services (as defined in Section 2.1). These Terms are between you and the Canadian Payments Association (d.b.a. Payments Canada) (“Payments Canada”, “we” or “us”). Users are defined for the purposes of this statement as “You”. Your access to and use of this website constitutes your agreement to accept these Terms and Disclaimers. You represent and warrant that you have read and understood these Terms.
PLEASE NOTE THAT IF YOU USE THE SERVICES ON BEHALF OF YOUR EMPLOYER OR ANOTHER ENTITY, THEN (I) YOU WILL BE DEEMED TO REPRESENT SUCH PARTY; (II) YOUR ACCEPTANCE OF THESE TERMS WILL BIND YOUR EMPLOYER OR THAT ENTITY TO THESE TERMS; AND (III) THE WORD “YOU” IN THESE TERMS WILL REFER TO YOUR EMPLOYER OR THAT ENTITY.
1. Legal agreement
1.1 Acceptance of our Terms
These Terms are effective on the earlier of the date you first use or access the Services. These Terms do not have to be signed in order to be binding. For greater certainty, these Terms include any hyperlinks hereto and any other document executed by the parties that incorporate these Terms by reference. If you do not agree with or cannot comply with these Terms, then you may not use the Services.
1.2 Personal information
You acknowledge and agree that by providing us with your personal information, using our Services, applying for employment with Payments Canada or otherwise interacting with us, you consent to the collection, use and disclosure of such information in accordance with our Privacy Policy and for the purposes identified to you at the time you provide the personal information.
1.3 Changes to the Services or these Terms
We reserve the right to update, change or replace any part of the Services or these Terms by posting updates and/or changes to the website. It is your responsibility to check our website periodically for changes. Your continued use of or access to the Services following the posting of any change(s) constitutes acceptance of those changes.
2. Services
2.1 Description of Services
We provide an online platform where our stakeholders, members and members of the public can access resources, research, public consultations, news articles and informational guides for consumers, businesses and financial institutions (collectively, the “Services”). For greater certainty, the Services include your use of and access to our website.
2.2 Limited license grant
Subject to your continued compliance with these Terms and the restrictions set out in Section 2.4 below, we grant you a non-exclusive, non-transferable, non-assignable, royalty-free, revocable license to use the Services for informational or educational purposes.
2.3 Representations and warranties
As a condition of your use of the Services, you represent and warrant that:
- (a) you possess the legal authority to create a binding legal obligation;
- (b) you will use the Services in accordance with these Terms.
2.4 Prohibited Activities
You are prohibited from using the Services:
- (a) for any unlawful purpose;
- (b) to solicit others to perform or participate in any unlawful acts;
- (c) to violate any international, federal or provincial, regulations, rules, laws or local ordinances;
- (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others;
- (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, disability or other enumerated grounds of discrimination;
- (f) to distribute false or misleading information;
- (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Services or any related website, other websites or the Internet;
- (h) to collect or track the personal information of others;
- (i) to spam, phish, pharm, pretext, spider, crawl or scrape;
- (j) for any obscene or immoral purpose;
- (k) except as set out in Section 3.2, to reproduce, duplicate, copy, sell, resell or exploit the Services, access to the Services or any portion of the Services without our express written permission;
- (l) to transmit any advertising or promotional materials, without our express written permission;
- (m) to interfere with or circumvent the security features of the Services or any related website, other websites or the Internet.
3. Proprietary rights
3.1 Intellectual property
Unless otherwise indicated, we and our licensors have and retain all rights, titles and interests, including all intellectual property rights, in and to our Services and related to our documentation, templates and formats including any modifications or improvements thereto, made by you or us. Your use of the Services will not create or grant you any rights in or to the Services.
3.2 Copyright
Unless otherwise indicated, the copyright in the material contained on this website is held by Payments Canada, pursuant to applicable copyright law. You agree to comply with all copyright laws and any copyright notices, information or restrictions contained in any Services available on or accessed through our website. The material on this site may be used, downloaded, printed and reproduced, in whole or in part, provided:
- it is used or reproduced accurately, without any modification;
- it identifies Payments Canada as the source of information;
- it is used only for informational or educational and non-commercial purposes;
the following notice and disclaimer is displayed on every copy:
©2026 PAYMENTS CANADA. All Rights Reserved.
These materials have been prepared for convenience of reference only and are not intended to be relied upon as advice on any particular matter. All information is subject to change without notice. While Payments Canada has made every effort to ensure the accuracy of information on this site, it accepts no responsibility for its accuracy or reliability or for any consequences arising from its use. For purposes of applying Bylaws and Rules, users should consult the official versions which are available from Payments Canada.
3.3 Brand Features
Except for third party marks, as between you and us, all names, trademarks, service marks, certification marks, symbols, icons, slogans or logos appearing on the Services are proprietary to us or our affiliates, licensors or suppliers (“Brand Features”). Use or misuse of the Brand Features is expressly prohibited. Unless otherwise expressly authorized by us in writing, nothing in these Terms grants you a right to copy or use any Brand Features.
3.4 Feedback
From time to time, you may choose to submit or we may request that you submit on a voluntary basis, comments, questions, ideas, suggestions or other feedback relating to the Services to us (“Feedback”). We may freely use, copy, disclose, license, distribute and exploit any Feedback in any manner without any obligation, royalty or restriction based on intellectual property rights or otherwise. No Feedback will be considered your confidential information and nothing in these Terms limits our right to independently use, develop, evaluate or market products or services, whether incorporating Feedback or otherwise.
3.5 Further restriction
We reserve the right to further restrict and limit the use of our intellectual property, including in respect of Section 3.2 (Copyright) and Section 3.3 (Brand Features), at any time, with or without notice to you, in our sole discretion.
4. Accuracy, completeness and timeliness of information
4.1 Accuracy of information
All website content, materials and information are provided on an “as is” basis. We are not responsible if information made available through the Services is not accurate, complete or current. The information on this website is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this website is at your own risk.
4.2 Modification of information and Services
We reserve the right to modify or remove any Service, website content, materials or information at any time. We cannot and do not review all communications made available on or through the Services, but, although not obligated to, may review, verify, make changes to or remove any content, materials or information, with or without notice to you, in our sole discretion.
4.3 No professional advice
We do not provide professional advice. The Services do not provide legal, financial, accounting, tax or other professional services or advice. Please consult the services of a competent professional when you need this type of assistance.
5. Termination
5.1 Suspension or termination by us
Without limiting any other remedies, we may suspend or terminate your access to the Services (or any portion thereof) at any time, with or without notice to you, for any and no reason, including without limitation, any violation of these Terms.
6. Disclaimers
6.1 Third-Party Applications
The Services are integrated with or may otherwise interact with or link to, certain third-party applications, websites, devices, tools and services to make the Services available to you (“Third-Party Applications”). These Third-Party Applications may have their own terms and conditions of use and privacy policies and your use of these Third-Party Applications will be governed by and subject to such terms and conditions and privacy policies. You understand and agree that we do not endorse and are not responsible or liable for the behavior, features or content of any Third-Party Applications or for any transaction you may enter into with the provider of any such Third-Party Applications.
6.2 No warranties for the services
Although we do our best to ensure that our Services are always accessible, functioning properly and contain accurate and up-to-date information, we are supplying it on an “as is” and “as available” basis, without representations, warranties or conditions of any kind, either express or implied, statutory or otherwise, regarding the nature, quality or character of the Services, including any warranties and conditions as to merchantability, operation, currency, timeliness, merchantable quality, fitness for a particular purpose, title, non-infringement, security and accuracy. We do not represent or warrant that:
- (a) the Services will always be available or meet your requirements;
- (b) the Services will be error-free or provided on an uninterrupted or continuous basis;
- (c) there will be no delays or failures, no difficulties in use, no defects, no errors or omissions, no loss of transmitted information or no incompatibilities with your use of the Services;
- (d) any deficiencies in the Services can be found or corrected;
- (e) that the website and any electronic communication from us, whether from the Services or otherwise, is free of viruses, malicious code, unauthorized programs, disabling codes or other harmful components.
7. Indemnification obligations and limitation of liability
7.1 Your indemnification obligations
You agree to indemnify, defend and hold harmless us and our directors, employees, officers, advisors, contractors and agents (“Indemnitees”) from and against any and all losses, damages, liabilities, deficiencies, claims, actions, judgments, settlements, interest, awards, penalties, fines, costs or expenses of whatever kind, including reasonable legal fees, incurred by any of the Indemnitees, arising out of:
- (a) your breach of these Terms or the policies they incorporate by reference;
- (b) your violation of any applicable laws or the rights of a third party;
- (c) any activity that you engage on or through the Services.
7.2 No liability for damages
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT, WHETHER IN CONTRACT OR TORT (INCLUDING NEGLIGENCE), AS A RESULT OF BREACH OF WARRANTY, STRICT LIABILITY, INDEMNITY OR UNDER ANY OTHER THEORY OF LIABILITY WHATSOEVER, WILL WE BE LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, EXEMPLARY, PUNITIVE OR SPECIAL DAMAGES OR ANY DAMAGES CHARACTERIZED AS LOSS OF DATA, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF REPUTATION, LOSS OF USE OF REVENUE, LOSS OF SAVINGS OR LOSSES BY REASON OF THE COST OF CAPITAL, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE.
7.3 Remedies available to us
You acknowledge and agree that the use of the Services in violation of these Terms could cause irreparable harm to us and that in the event of such unauthorized use, we are entitled to an injunction in addition to any other remedies available at law or in equity.
8. Linking to the website
8.1 Linking to the website
We permit links to any pages of the website, provided that any references and links to the website are fair, legal and would not reasonably be deemed to damage or take advantage of our reputation. You may not link to the website in a way that suggests or indicates any affiliation, association or approval between you and us where such affiliation, association or approval does not exist. In addition, you must adhere to the following conditions if you link to the website:
- (a) you may not establish a link from any website that is not owned by you;
- (b) you may not cause the website or portions of the website to be displayed or appear to be displayed, on any website;
- (c) you may not take any action with respect to the website that is in violation of or inconsistent with, any provision set out in these Terms. Where any link to the website includes the use of a Brand Feature, the goodwill in such use will accrue to our sole benefit. You agree to immediately cease linking to the website and to remove any existing links to the website upon notice from us. We reserve the right to withdraw our permission to link to the website or to disable any links to the website, at any time, without notice, at our sole discretion.
9. General
9.1 Governing law
These Terms will be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. You consent and attorn to the exclusive jurisdiction of the courts located in the City of either Ottawa or Toronto in the Province of Ontario.
9.2 Severability
In the event that any provision of these Terms is determined to be unlawful, void or unenforceable, such provision will nonetheless be enforceable to the fullest extent permitted by applicable law and the unenforceable portion will be deemed to be severed from these Terms, all without affecting the validity and enforceability of any other remaining provisions.
9.3 Waiver
Our failure to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision.
9.4 Entire agreement
These Terms as modified from time to time and any policies or operating rules posted by us on this website, constitute the entire agreement and understanding between you and us and governs your use of the Services, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of these Terms).
9.5 French translation
In the case of an inconsistency between the English and French versions of these Terms of Use that cannot be properly resolved using the ordinary rules of interpretation, the English text shall prevail.
9.6 Contact information
Questions about these Terms should be sent to us at info@payments.ca.