Licenses & Regulatory Information
This page explains, in general terms, who operates Canadian Financial Access Program, the framework the service works within, where it is and is not offered, and how to obtain our corporate and compliance documentation.
- Documents available on request
- Defined jurisdiction policy
- Written compliance procedures
On this page
- Operating entity
- Regulatory framework
- Jurisdictions
- What this is not
- Requesting documents
- Regulatory contact
- Notes on this page
Which legal entity operates the service
Canadian Financial Access Program is the trading designation of the entity that owns and manages this platform and associated client services.
The operating company is the entity you contract with when you accept our Terms of Use and open an account. Its full registered name, its legal form, its registered particulars and the identity of the group it belongs to are set out in the client agreement you receive at onboarding, and are supplied on request through the routes described in the "Requesting documentation" section below.
Because corporate structures, registered particulars and service arrangements can change, we deliberately do not restate them as fixed text on a marketing page. The client agreement and the documentation pack we send you are the authoritative source; where this page and those documents differ, the documents prevail.
Group companies and service providers
Certain functions - technology hosting, payment processing, market data, customer identification tools - are carried out by specialist third-party providers under written agreements. The categories of provider we use, and the way your personal data is handled by them, are described in our Privacy Policy. We do not publish provider names on this page.
The regulatory framework we work within
We describe here the type of obligations that govern the service, rather than naming authorities or quoting reference numbers, which belong in the formal documentation.
- 01
Client identification
Every account is verified before funding, trading or withdrawal, in line with the KYC and AML controls described on our KYC & AML page.
- 02
Financial-crime prevention
Screening for sanctions and risk exposure, continuous monitoring of transactions, procedures for internal review and escalation, and document preservation in accordance with mandatory legal retention periods.
- 03
Handling of client money
Client balances are recorded separately from the operating funds of the business, and payouts are returned to a verified instrument in the client's own name.
- 04
Fair and clear communication
All expenses, commissions and relevant charges are displayed in your account and within our fee schedule. We offer no guarantees regarding performance outcomes, and all marketing content includes appropriate risk disclosures.
- 05
Data protection
Personal data is processed on a defined lawful basis, retained only as long as necessary, and protected by access controls and encryption in transit and at rest.
- 06
Complaints handling
An established written procedure for handling complaints internally, including acknowledgement of receipt, thorough analysis, and a detailed response delivered within the timeline provided upon lodging of your complaint.
Where a jurisdiction imposes stricter local requirements than those above, the stricter requirement applies to clients resident there.
Jurisdictions served and excluded
The offering is limited to jurisdictions where we have authorization to provide it. Eligibility is determined at signup using your stated country of residence, though this status may vary over time.
Where the service is offered
The service can be accessed by inhabitants of nations shown as authorized within your account's registration process. Provided your nation is listed and you complete the required checks, you may activate the account. If your nation does not appear on the list, you cannot use the service.
Where the service is not offered
- Jurisdictions and areas currently under international sanctions regimes or trade embargoes.
- Regions where licensing requirements apply to provision of these services to non-professional clients but which we have not obtained.
- Territories classified as presenting elevated risk of financial misconduct under existing regulatory frameworks.
- Any territory we have chosen to exclude for internal risk reasons.
No solicitation
Nothing on this website is directed at, or intended for distribution to or use by, any person in a jurisdiction where such distribution or use would be contrary to local law. Accessing this site from an excluded jurisdiction does not create a right to use the service. If you move to an excluded jurisdiction while holding an account, tell us - the account may need to be restricted or closed and any balance returned to you.
What Canadian Financial Access Program is not
Transparency about our limitations is equally essential as explaining our capabilities.
| Statement | Position |
|---|---|
| Personal investment advice | Not provided. Information, education and market commentary are general in nature and do not take your circumstances into account. |
| Tax, legal or accounting advice | No guidance offered. Engage a suitably licensed advisor practicing in your country of domicile. |
| A bank or a deposit account | Balances are not bank deposits, do not earn a guaranteed rate, and are not covered by any deposit-guarantee scheme. |
| Guaranteed or fixed returns | Never promised. Past performance is not a reliable indicator of future results. |
| Discretionary portfolio management | We do not manage or direct accounts independently according to our own judgment on behalf of clients. |
| Execution and account services | ✓ Provided, subject to verification, eligibility and the published terms. |
Your funds face potential loss. Investment values fluctuate both upward and downward; final returns may be less than contributions made. Review the Risk Disclosure statement before proceeding.
How to request corporate and compliance documents
Clients, prospective clients and professional counterparties may request our corporate and compliance documentation. We provide it on request rather than publishing it openly.
What can be requested
- Statement identifying the responsible operating entity and its registration information.
- The current client agreement and the schedule of costs applicable to your account.
- An outline of our anti-money laundering and customer verification processes.
- The mechanism for complaint resolution and relevant escalation pathways.
- Data-protection information relating to your own personal data.
How to make the request
- 01
Write to us
Use the contact route on our contact page. Put "Regulatory documentation request" in the subject line.
- 02
Identify yourself
State whether you are an existing client (and give the email address on the account) or a prospective client, and which documents you need.
- 03
Receive the pack
Submissions are responded to within the period specified following acknowledgement of your submission. Certain materials may be delivered in summary form if full versions contain proprietary or sensitive internal data.
Documents are sent to the verified contact details on file. We cannot send account-specific documentation to a third party without your written authorisation.
Regulatory and compliance questions
Questions about our regulatory position, our compliance procedures, or a concern you would like escalated should go to the compliance route rather than to general support.
How do I raise a compliance question?
Send it through the contact page and mark it "Compliance". Include the account email address if you already hold an account, and describe the question in a sentence or two.
How do I make a formal complaint?
Use the same route and mark the message "Complaint". You will receive an acknowledgement, a reference and an indication of the timeframe for a substantive reply. If the outcome does not resolve the matter, the reply will explain the further escalation options available to you.
How do I report suspicious activity or misuse of our brand?
Use the report abuse page. Impersonation of Canadian Financial Access Program in messages, adverts or cloned sites should be reported there so we can act on it.
Do we handle enquiries from organizations or media sources in this channel?
Affirmative - submit via our contact form with a specific header and it will be directed to the appropriate department.
Notes on this page
- This resource serves an informational purpose only. It is not incorporated into any agreement and cannot substitute for the binding client agreement.
- All figures, thresholds and timelines referenced on this site are approximate guidelines; the values displayed within your account take precedence.
- The content of this page is reviewed periodically; the version published here is the current one.
- Read alongside the Terms of Use, the Risk Disclosure, the Privacy Policy and the KYC & AML Policy.
Need something in writing?
Should you be evaluating Canadian Financial Access Program as part of your assessment procedures, reach out directly to us. We prefer supplying the original materials rather than having you depend upon interpretations.
Request the compliance pack
Registration data, service contract, anti-money laundering outline and dispute resolution procedure.
- Subject line: "Regulatory documentation request".
- Sent to the verified contact details on file.