Compliance

CF is committed to upholding the highest standards of ethical conduct for all of it s advisors

We will strive to ensure that our actions are guided by the pprinciples of Integrity, Competence, Trustworthiness, Good faith and Regulated Industry Practice.

The successful implementation of high standards of compliance is a crucial factor that contributes to the continued success of, and public confidence in, life insurance companies and advisors doing business in Canada. The establishment and implementation of an effective compliance program, will determine how we are perceived by various stakeholder groups within the financial industry, including our clients, the advisors, the policyholders, our employees, our suppliers, regulators and the public at large. These stakeholders are aware that higher standards of compliance are increasingly being expected of both private and public Canadian companies.

The objective of this manual is to clarify and promote compliance excellence within our organization through: (i) high standards of competence, accountability and disclosure; (ii) compliance with legal regulations; and (iii) consistency with best corporate governance practices.

Code of Conduct

CF Canada Financial expects all CF contracted advisors to follow the Code of Conduct of the Province(s) and Territories the advisors are licensed in.

In addition, advisors are expected to also follow the Codes of Conduct as required by their contractual obligations with the Carriers they hold contract with and represent in the field.

Privacy Principles and Procedures

CF Canada Financial will endeavor to respect and maintain the privacy and confidentiality of all personal information collected as part of the requirements of conducting our Insurance and Financial business.

We will abide by the ten principles of privacy as quoted in the guidelines by the Office of the Privacy Commissioner.

• Accountability
• Identifying purposes
• Consent
• Limiting collection
• Limiting use, disclosure, and retention
• Accuracy
• Safeguards
• Openness
• Individual access
• Provide recourse

An organization is responsible for the protection of personal information and the fair handling of it at all times, throughout the organization and in dealings with third parties.

CF will exercise the utmost care in collecting, using and disclosing personal information as this is essential to continued consumer confidence and good will.

Click here to download the Compliance Manual