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RBC & HSBC / Legal Disclosure Library

Legal Disclosure Library

Legal Disclosures for HSBC Bank Canada Clients

To help make your transition to Royal Bank of Canada (RBC) easier, we’ve placed disclosures, terms and conditions, agreements, and certificates of insurance for RBC products and services in one spot.

RBC Global Privacy Notice
RBC Digital Privacy Notice

Personal Banking

Choose from the options below and then filter on the type of product or service you wish to learn about.

Mortgages

Investments

PDFs
PDF Links
Royal Mutual Funds Inc. Account Agreement and Regulatory Disclosure Document
Value Program Terms & Conditions
Tax-Free Savings Account: Trust Agreement
Family Education Savings Plan: Plan Text
RESP Individual Plan
Retirement Income Fund Declaration of Trust
RRSP Declaration of Trust
Disability Savings Plan Trust Agreement
Canadian Deposit Insurance Corporation (CDIC) Protecting Your Deposits
Guaranteed Investment Certificate (GIC)
Additional Terms and Conditions for RRSP and RRIF Term Deposits
LRIF - Newfoundland & Labrador - Addendum
LRSP - Federal Addendum
RLIF - Federal Addendum
RLSP - Federal Addendum
PRIF - Manitoba Addendum
PRIF - Saskatchewan Addendum
Learn about RBC Investment Advantage
Learn more about Investments
Important information for certain investment accounts held at HSBC Investment Funds Canada Inc.
PDFs
PDF Links
Alberta
British Columbia
Federal
Manitoba
New Brunswick
Newfoundland & Labrador
Nova Scotia
Ontario
Quebec
PDFs
PDF Links
Alberta
British Columbia
Manitoba
New Brunswick
Newfoundland & Labrador
Nova Scotia
Ontario
Quebec
Saskatchewan
PDFs
PDF Links
Royal Mutual Funds Inc.
RBC Royal Bank
RBC Dominion Securities
PDFs
PDF Links
Royal Mutual Funds Inc
RBC Dominion Securities
PDFs
PDF Links
Royal Mutual Funds Inc
RBC Royal Bank
RBC Dominion Securities
PDFs
PDF Links
Retirement Savings Plan Declaration of Trust
Retirement Income Fund Declaration of Trust
Conflicts of Interest Disclosure/RBC Investing Inc. Operation of Account Agreement and Supporting Disclosures
Education Savings Plan (Family Plan)
Education Savings Plan (Individual Plan)
Tax-Free Savings Account Trust Agreement
Pre-Authorized Contribution (PAC) Frequency Payment Schedule (RBC Direct Investing)
PDFs
PDF Links
Learn more about RBC Indigo Asset Management Inc.

Business Banking

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RBC PayEdge

PDFs
PDF Links
RBC PayEdge Terms of Service

Credit & Lending

PDFs
Canada Emergency Business Account (CEBA)
RBC CEBA Agreement - $40,000 loan
RBC CEBA Agreement - $60,000 loan
RBC CEBA Agreement - $40,000 loan plus $20,000 expansion
HSBC Bank Canada CEBA Loan Agreement: New Borrowers (CEBA5.0) - Applications dated Dec 07 2020 – Till date
HSBC Bank Canada CEBA Loan Agreement: Top Up Loan Agreement – Paid back $40K, then increased a standalone 20K
HSBC Bank Canada CEBA Amended Loan Agreement – Hold original $40K and increase to $60K
HSBC Bank Canada CEBA Loan Agreement: Terms and Conditions – previous versions for New Borrowers (CEBA 1.0 – 4.0) - Applications dated April 09 – April 17
HSBC Bank Canada CEBA Loan Agreement: Terms and Conditions – previous versions for New Borrowers (CEBA 1.0 – 4.0) - Applications dated April 18 – April 30
HSBC Bank Canada CEBA Loan Agreement: Terms and Conditions – previous versions for New Borrowers (CEBA 1.0 – 4.0) - Applications dated May 01 – July 01
HSBC Bank Canada CEBA Loan Agreement: Terms and Conditions – previous versions for New Borrowers (CEBA 1.0 – 4.0) - Applications dated July 02 – Oct 25
HSBC Bank Canada CEBA Loan Agreement: Terms and Conditions - Loan Agreement – previous versions for New Borrowers (CEBA 1.0 – 4.0) - Applications dated Oct 26 – Dec 06
PDFs
Creditor Insurance for Residential Mortgages
Creditor Insurance on Personal Mortgages: Certificate 6115 for applications between December 1991 and July 1995
Creditor Insurance on Personal Mortgages: Certificate 6114 or 1019015 for applications between July 1995 and September 1999
Creditor Insurance on Personal Mortgages: Certificate 1019025 or 1019026 for applications between September 1999 and December 2002
Creditor Insurance on Personal Mortgages: Certificate 1849 for applications between December 2002 and January 21, 2005
Creditor Insurance on Personal Mortgages: Certificate 1019073 for applications between January 24, 2005 and November 16, 2012
Creditor Insurance on Personal Mortgages: Certificate 1019108 for applications on or after November 19, 2012

Commercial Banking

Choose from the options below and then filter on the type of product or service you wish to learn about.

RBC PayEdge

PDFs
PDF Links
RBC PayEdge Terms of Service

Credit & Lending

PDFs
Canada Emergency Business Account (CEBA)
RBC CEBA Agreement - $40,000 loan
RBC CEBA Agreement - $60,000 loan
RBC CEBA Agreement - $40,000 loan plus $20,000 expansion
HSBC Bank Canada CEBA Loan Agreement: New Borrowers (CEBA5.0) - Applications dated Dec 07 2020 – Till date
HSBC Bank Canada CEBA Loan Agreement: Top Up Loan Agreement – Paid back $40K, then increased a standalone 20K
HSBC Bank Canada CEBA Amended Loan Agreement – Hold original $40K and increase to $60K
HSBC Bank Canada CEBA Loan Agreement: Terms and Conditions – previous versions for New Borrowers (CEBA 1.0 – 4.0) - Applications dated April 09 – April 17
HSBC Bank Canada CEBA Loan Agreement: Terms and Conditions – previous versions for New Borrowers (CEBA 1.0 – 4.0) - Applications dated April 18 – April 30
HSBC Bank Canada CEBA Loan Agreement: Terms and Conditions – previous versions for New Borrowers (CEBA 1.0 – 4.0) - Applications dated May 01 – July 01
HSBC Bank Canada CEBA Loan Agreement: Terms and Conditions – previous versions for New Borrowers (CEBA 1.0 – 4.0) - Applications dated July 02 – Oct 25
HSBC Bank Canada CEBA Loan Agreement: Terms and Conditions - Loan Agreement – previous versions for New Borrowers (CEBA 1.0 – 4.0) - Applications dated Oct 26 – Dec 06
PDFs
Creditor Insurance for Residential Mortgages
Creditor Insurance on Personal Mortgages: Certificate 6115 for applications between December 1991 and July 1995
Creditor Insurance on Personal Mortgages: Certificate 6114 or 1019015 for applications between July 1995 and September 1999
Creditor Insurance on Personal Mortgages: Certificate 1019025 or 1019026 for applications between September 1999 and December 2002
Creditor Insurance on Personal Mortgages: Certificate 1849 for applications between December 2002 and January 21, 2005
Creditor Insurance on Personal Mortgages: Certificate 1019073 for applications between January 24, 2005 and November 16, 2012
Creditor Insurance on Personal Mortgages: Certificate 1019108 for applications on or after November 19, 2012

Capital Markets

PDFs
PDF Links
General Disclosures
RBCCM Global Client Notice
RBC Global Privacy Notice

RBC Digital Privacy Notice

HSBC Overseas Holdings (UK) has transferred the ownership of its Canadian banking business to Royal Bank of Canada with effect from March 28, 2024. The HSBC trade mark(s) and all similar trademarks and derivations thereof are used temporarily under licence by HSBC Overseas Holdings (UK) Limited to Royal Bank of Canada and related group entities.