Copyright

The copyright in the material contained on this site is held by the Canadian Payments Association (CPA), unless otherwise indicated. 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 the CPA as the source of information;
• it is used only for informational or educational, and non-commercial purposes; and
• this copyright notice and disclaimers contained on this web site are displayed on every copy.

Disclaimers

General - The materials on this site 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 the Canadian Payments Association 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 the CPA By-laws and Rules, users should consult the official versions which are available from the CPA.

Links - This site contains links to other sites that may be of interest to our visitors. The CPA has no control over the availability, accuracy, reliability, completeness or relevance of the information on these sites, and is not responsible for any consequences arising from the use of such other sites. The inclusion of a link on this site does not constitute an endorsement or recommendation by the CPA of the linked site or the information on such sites.

Privacy Statement

The Canadian Payments Association is committed to protecting your privacy. This statement explains our practice with respect to your personal information:

• Gathering of Personal Information: This site does not automatically gather any specific personal information from you, such as your name or e-mail address. This information is only collected if you supply it voluntarily, such as when you contact us by e-mail or subscribe to a CPA publication.

• Use of Personal Information: The CPA will use the information you provide about yourself solely for the purpose of responding to your inquiries or communicating with you for other similar purposes (such as sending you a CPA publication or providing you with information that we believe may be of interest to you). Your personal information will not be used for any other purpose unless you consent to such other purpose (in which case we will inform you, before you give your consent, of the specific purpose for which the information will be used).

• Software to Monitor Network Traffic: The CPA employs software programs to monitor network traffic to compile data on the number of visits to this site and to identify unauthorized attempts to upload or change information, or otherwise cause damage. This software receives and records the Internet Protocol (IP) address of the computer that has contacted our web site. The CPA makes no attempt to link these addresses with the identity of the individuals visiting its site unless an attempt to damage the site has been detected.