Code of Conduct

Decoding the Code: What the Code of Conduct means for your business

The Code of Conduct for the Credit and Debit Card Industry in Canada

TD Merchant Solutions adheres to the Code of Conduct for the Credit and Debit Card Industry (the Code of Conduct) that was introduced by the Minister of Finance on May 17, 2010.

On April 13 2015, enhancements were made to the Code of Conduct which sets out several rights that merchants have in relation to their contracts and their statements for payment card processing services.

Effective March 2017, in accordance with the Code of Conduct enhancements made in April 2015, TD Merchant Solutions will provide merchants an Information Summary Box and Fee Disclosure Box outlining key elements of their Agreement.

For more information regarding the new disclosure documents, click below.

• CG-15 Information summary box examples—Credit and debit card code
• CG-16 Fee disclosure box—Credit and debit card code

To review the full Code of Conduct, please visit the Financial Consumer Agency of Canada (FCAC) website at:

http://www.fcac-acfc.gc.ca/Eng/forIndustry/publications/lawsReg/Pages/CodeofCo-Codedeco.aspx

TD Merchant Solutions continues to support the evolution of the Code, and believes that it provides Merchants a greater voice in the payments market, while also balancing the interests of the other participants in the industry.

TD Merchant Solutions Code of Conduct Complaint Handling Process

Policy element 13 provides merchants with access to a clear dispute resolution process, allowing for an investigation and timely response on complaints pertaining to the Code.

Your satisfaction is the basis of our business, and we want to provide you with the best experience we can when you do business with TD Merchant Solutions, by addressing your complaint as quickly and effectively as possible. If you have a complaint pertaining to the Code of Conduct for the Credit and Debit Card Industry, we encourage you to submit the details of your complaint. Click for more details.

The Financial Consumer Agency of Canada (FCAC)

The FCAC is an independent government agency that monitors the commitments made by payment card networks to comply with the Code of Conduct. While the FCAC monitors compliance, it does not, resolve individual complaints.

The following information has been produced by the FCAC to help understand the implications of the Code of Conduct.

What does the Code mean for Merchants?

For more information about the FCAC, please visit www.fcac-acfc.gc.ca.

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