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These terms (the "Terms") govern your use of all Canadian Websites and mobile content operated by Royal Bank of Canada ("Royal Bank") or its subsidiaries (each subsidiary and Royal Bank individually referred to as an "RBC Company" and collectively referred to as the "RBC Companies") and Social Media Pages (defined later in these Terms) (individually referred to as a "Website" and collectively referred to as the "Websites").

If you access and use the Websites, you accept and agree to be bound by and comply with the (i) Terms, and (ii) any terms, conditions, legal notices and disclaimers in the footers, content, other pages of the Websites and behind links, buttons or icons on the Websites (the "Additional Terms").

The Terms and Additional Terms also apply when you use a downloadable application or other technology to access any features, functionality, content and/or information that is made available or provided on the Websites.

Part A: Terms for All Websites

In the event of any conflict between the Terms and the Additional Terms, the Additional Terms will govern.

All products and services of the RBC Companies that are described, made available or provided on the Websites may be changed or withdrawn at any time without notice and are subject to the terms and conditions of the applicable agreements governing their use in force at the time of the provision of the product or service, in addition to the Terms and Additional Terms. In the event that the Terms or Additional Terms are inconsistent with the terms of any agreement that you or your organization may have with an RBC Company, the terms of that agreement will govern.

The information, material and content provided in the pages of the Websites, including pricing information, (the "Information") is believed to be reliable when posted, but there is no guarantee that it is accurate, complete or current at all times. Without limiting the generality of the foregoing, the Information may include technical inaccuracies or typographical errors, and the RBC Companies and their officers, directors, employees and agents ("RBC") have no obligation to update the Information. The Information or the Websites may be changed, withdrawn or terminated at any time without notice.

Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly, and your continued access or use of the Websites will mean that you agree to any changes.

Any submission by you of an application, instruction or other request is subject to acceptance by RBC and can be declined by RBC.

It is important to note that not all of the products, services and Information made available or provided on the Websites are available in all jurisdictions outside of Canada. In addition, the Information does not constitute an offer or solicitation to buy or sell any currency, investment fund or other product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made, or to any person to whom it is unlawful to make an offer or solicitation. For information specific to any jurisdiction outside of Canada, please contact your financial advisor.

Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in the pages of the Websites. If you choose to access the Websites, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws.

You may not use, export or re-export the Information or any copy or adaptation thereof in violation of any applicable laws or regulations, including export laws and regulations of Canada in force from time to time.

The Information is for informational purposes only and is not intended to provide specific financial, investment, tax, legal, accounting or other advice to you, and should not be acted or relied upon in that regard without seeking the advice of a professional. Your advisor can help to ensure that your own circumstances have been properly considered and any action is taken on the latest available information.

RBC Companies provide the Websites and the Information on an "as is, where is" basis and do not make any express or implied warranties, representations, or endorsements with respect to the Websites or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, currency, reliability and fitness for a particular purpose. Further, RBC Companies do not represent or warrant that the Websites will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, difficulties in use, defects, incompatibility, failures, errors, omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for taking protection and backup of data and/or equipment and for taking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

Certain names, words, titles, phrases, logos, icons, graphics, designs, or other content (including copyright-protected content) on the Websites are subject to intellectual property rights (including trademark protection) and are owned by Royal Bank or by third parties and are used under licence by Royal Bank and/or its subsidiaries (RBC).

Without limiting the generality of the foregoing, trademarks owned by Royal Bank include the following: LION & GLOBE Design, ROYAL, ROYAL BANK, RBC, ROYAL BANK OF CANADA, and other trademarks including those comprised of "RBC" or "ROYAL". ROYAL BANK and RBC are registered trademarks of Royal Bank.

Further trademarks of Royal Bank of Canada include these trademarksPDF opens in a new window.

Nothing on these Websites shall be construed as conferring any licence of any intellectual property rights, whether by estoppel, implication or otherwise. The Information is for your personal use, provided such use includes a reference to the respective copyright and/or trademark notice or attribution as denoted on the pages copied. Except when otherwise stipulated, the Information may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of RBC. The Information is protected under the copyright laws of Canada and other countries. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks and/or the contents of the Websites may be a violation of federal or other law that may apply to trademarks and/or copyrights, and such actions could subject the copier to legal action.

You agree that any information or materials that you provide to any of the RBC Companies through any of its Websites shall become the sole property of Royal Bank, and may be used freely by any RBC Company. By providing such information and materials, you declare and warrant that you have all necessary rights to submit such information and materials and that the information and materials do not infringe the rights of third parties.

Any unprotected electronic communication over the Internet is, as with communication via other mediums (e.g. cellular phones, post office mail, Social Media Pages (later defined)), not secure or confidential, subject to possible interception or loss, and possible alteration. You should not send any confidential, proprietary or sensitive information about you or others via these mediums. RBC is not responsible for and will not be liable to you or any one else for any damages in connection with an email, text message, comment, post or any other electronic message sent by you to an RBC Company, or an email, text message, comment post or any other electronic message sent by an RBC Company to you.

No endorsement or approval of any third party or its advice, opinions, information, products or services is expressed or implied by any Information.

None of the RBC Companies are responsible, and will not be liable to you or anyone else, for any damages whatsoever and howsoever caused (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with the Websites or the Information, or your ability on inability to access or use the Websites or the Information, or any action or decision made by you in reliance on the Websites or the Information, or any errors in or omissions from the Websites or the Information, or any unauthorized use or reproduction of the Websites or the Information, even if an RBC Company has been advised of the possibility of these damages.

The Websites include links between the Websites. The Websites are operated by different RBC Companies, as specifically disclosed in the footers of the Websites. The Websites also include links to and from websites operated outside of Canada by RBC Companies, as specifically disclosed on those sites.

Links from or to websites, including links to the Websites, are for convenience only. The RBC Companies do not review or control, and are not responsible for, any websites linked from or to the Websites, the content of those websites, the privacy practices of those websites, the third parties named therein, or their products or services. Linking to any other website is at your sole risk and the RBC Companies will not be responsible or liable for any damages in connection with such linking. In addition, the RBC Companies do not endorse or approve of any websites linked from or to the Websites, except for Websites of RBC Companies.

You may not gather, extract, reproduce and/or display on any other non-RBC website or other online service, any material on or from the Websites, whether or not by the use of spiders or other 'screen scraping' software or system used to extract data without the express consent of Royal Bank.

If you download any software, we are not responsible or liable for any difficulties or consequences associated with downloading such software. The use of any downloaded software is governed by the terms of the applicable license agreement, if any, which accompanies such software or is provided with such software or herein.

The following terms apply if you download a software application that an RBC Company offers to access any services, features, functionality, content and/or information made available by an RBC Company using certain mobile devices (the "Software"):

  • Royal Bank grants to you a non-exclusive and non-transferable license for the Software. The license authorizes you to use the Software in object code format for the purpose of using the online services of the RBC Companies ("Online Services") and/or accessing any services, features, functionality, content and/or information made available by any RBC Company using certain mobile devices.
  • Royal Bank retains at all times all ownership rights, including without limitation, copyright, in the Software. You agree not to copy the Software and not to disclose or distribute the Software to third parties. Royal Bank has no obligation to provide any training, maintenance, or other assistance for the Software.
  • YOU ACCEPT THE SOFTWARE "AS IS" AND ASSUME THE ENTIRE RISK FOR THE PERFORMANCE OF THE SOFTWARE. ROYAL BANK AND ANY OTHER RBC COMPANY WILL NOT BE LIABLE TO YOU FOR ANY DAMAGES RESULTING FROM YOUR USE OF THE SOFTWARE, UNDER THESE TERMS OR OTHERWISE.
  • Royal Bank may end these software terms at any time on notice to you. On the ending of these terms, you will destroy or return all copies of the Software or of any documentation for it then in your possession. The grant of the license may not be assigned by you unless agreed upon in writing by Royal Bank.

Each of the Websites is administered by the applicable RBC Company, as specifically disclosed in the footers of the Websites, from its offices in Canada. The Websites, the Information, the Terms and the Additional Terms will be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws, and notwithstanding your domicile, residence or physical location. All disputes, controversies or claims arising out of or in connection with the Websites, the Information, the Additional Terms or the Terms shall be submitted to and be subject to the exclusive jurisdiction of the courts of the Province of Ontario. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the Websites, the Information, the Additional Terms or the Terms.

Part B: Additional Terms for Specific Websites

RBC Bank (Georgia), N.A. (“RBC Bank”) is a U.S. national banking association supervised by the U.S. Office of the Comptroller of the Currency. RBC Bank is a trade name used by RBC Bank (Georgia), N.A. Our main office is located in Atlanta, Georgia, while our operations are headquartered in Raleigh, North Carolina. We provide banking services in all 50 U.S. states to Canadian cross-border and RBC Wealth Management clients. Our deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) to the maximum amount provided by law, and we are an Equal Housing Lender. Securities, insurance and other services described on this site, or to which you may link from this site, may be provided by affiliates of RBC Bank or by third parties.

General Information

Certain portions of this website may contain separate disclosures, terms and conditions, which are in addition to these Legal Notices and Terms of Use. In the event of a conflict with these Legal Notices and Terms of Use, the other provisions will govern with respect to that portion of the site.

If any provision of these Legal Notices and Terms of Use or any other term or condition found on this website is held to be invalid or unenforceable, the validity or enforceability of the remaining provisions will not be affected, and to the extent feasible and permitted by applicable law, the invalid or unenforceable provision will be replaced with a valid and enforceable provision that comes closest to the intention underlying the invalid or unenforceable provision.

You agree that your use of this site is governed by the laws of the United States and the State of Georgia.

Additional disclosures and disclaimers

The information contained on this website is not intended for distribution to or use by anyone, nor is it intended to constitute an offer or solicitation of banking or other services, in any jurisdiction, state or country where such distribution or use or the offering, solicitation or providing of such services is contrary to applicable law.

Any company or other information on this site is provided for informational purposes only and is not intended as an offer or solicitation for the sale or purchase of any security, nor should it be used or relied on in connection with any sale or purchase of securities.

Neither we nor any of our affiliates acts as an advisor or fiduciary in providing any information on this website. Please consult a qualified financial, legal, tax, accounting, estate planning or other advisor for guidance concerning your specific circumstances.

Available Only Where Permitted by Law

The products, services and securities referred to on the RBC InvestEase website are only available in Canada and other jurisdictions where they may be legally offered for sale. The information on this website should not be construed as an offer by RBC InvestEase to sell specific securities in any jurisdiction outside of Canada, including the United States. If you are not currently a resident in Canada, you should not access the information available on this website.

ETF Information

Commissions, management fees and expenses all may be associated with investments in exchange-traded funds (ETF). Please read the prospectus before investing. ETFs are not guaranteed, their values change frequently and past performance may not be repeated. ETF units are bought and sold at market price on a stock exchange and brokerage commissions may reduce returns. RBC iShares ETFs do not seek to return any predetermined amount at maturity. Index returns do not represent RBC iShares ETF returns. In addition, the RBC iShares ETFs in which RBC InvestEase Inc. clients invest are managed by BlackRock Asset Management Canada Limited. RBC Global Asset Management Inc. and BlackRock Asset Management Canada Limited have entered into a strategic alliance to bring together their respective ETF products under the RBC iShares ETF brand, and to offer a unified distribution support and service model for RBC iShares ETFs.

General Information

RBC InvestEase is a restricted portfolio manager providing access to model portfolios consisting of RBC iShares ETFs. Each model portfolio holds up to 100% of RBC iShares ETFs. RBC iShares ETFs are comprised of RBC ETFs managed by RBC Global Asset Management Inc. (RBC GAM) and iShares ETFs managed by BlackRock Canada Limited (BlackRock Canada). RBC GAM and BlackRock Canada entered into a strategic alliance to bring together their respective ETF products under the RBC iShares brand, and to offer a unified distribution support and service model for RBC iShares ETFs.

Other products and services may be offered by one or more separate corporate entities that are affiliated to RBC InvestEase Inc., including without limitation: Royal Bank of Canada, RBC Direct Investing Inc., RBC Dominion Securities Inc., RBC Global Asset Management Inc., Royal Trust Corporation of Canada and The Royal Trust Company. RBC InvestEase Inc. is a wholly-owned subsidiary of Royal Bank of Canada and uses the business name RBC InvestEase.

The services provided by RBC InvestEase are only available in Canada.

Related and Connected Issuers

Information on related and connected issuers of RBC InvestEaseSite opens in a new window

RBC iShares ETFs are comprised of RBC ETFs managed by RBC Global Asset Management Inc. and iShares ETFs managed by BlackRock Asset Management Canada Limited. For more information about the suite of RBC iShares ETFs, please visit www.rbcishares.comSite opens in a new window. For more information about RBC ETFs, please visit www.rbcgam.com/etfsSite opens in a new window. For more information about iShares ETFs, please visit www.blackrock.com/caExternal site opens in a new window. Commissions, trailing commissions, management fees and expenses all may be associated with investing in exchange-traded funds (ETFs). Please read the relevant prospectus before investing. ETFs are not guaranteed, their values change frequently and past performance may not be repeated. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional.

® / ™ Trademark(s) of Royal Bank of Canada. Used under licence. iSHARES is a registered trademark of BlackRock, Inc., or its subsidiaries in the United States and elsewhere. Used under licence. Ⓒ 2019 RBC Global Asset Management Inc. and BlackRock Asset Management Canada Limited. All rights reserved.

No Advice

The information available on the RBC Direct Investing Website is provided by sources believed by RBC Direct Investing to be reliable. Any information, including performance data available through any third party provider is not guaranteed to be current, accurate or complete and is subject to change without notice. Any expressed views or opinions provided on our site do not imply endorsement.

Available Only Where Permitted by Law

The products, services and securities referred to on the RBC Direct Investing Website are only available in Canada and other jurisdictions where they may be legally offered for sale. The information this Website should not be construed as an offer by RBC Direct Investing to sell specific securities in any jurisdiction outside of Canada, including the United States. If you are not currently a resident of Canada, you should not access the information available on this website.

Mutual Fund Information

Important information about the mutual funds referenced on this website, including any associated commissions, trailing commissions, management fees and expenses, is contained in their respective simplified prospectuses, copies of which may be obtained directly from the applicable fund company and which you should read carefully prior to investing. There may be commissions, trailing commissions, investment fund management fees and expenses associated with investment fund and exchange-traded fund (ETF) investments. On or after June 1, 2022, any trailing commissions paid to RBC Direct Investing Inc. will be rebated to clients pursuant to applicable regulatory exemptions. Before investing, please review the applicable fees, expenses and charges relating to the fund as disclosed in the prospectus, fund facts or ETF facts. Mutual funds and ETFs are not guaranteed, their values change frequently and past performance may not be repeated. For money market funds there can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you.

General Information

Any information provided is for your general information and is not intended to provide legal, investment, financial, accounting or tax advice. If you require any such advice, you should retain the services of a competent professional. This website may contain the opinions, views or recommendations of individuals or organizations. Where present these opinions, views and recommendations are provided for your general interest, and are not endorsed by RBC Direct Investing.

RBC Direct Investing Inc. (Member–Canadian Investor Protection Fund), and Royal Bank are separate corporate entities which are affiliated. RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc.

Related and Connected Issuers

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RBC Direct Investing Agents for Service in Canada

Addresses of RBC Direct Investing Agents for Service in CanadaSite opens in a new window

Client Complaints

For an overview of RBC Direct Investing’s client complaint examination and resolution policy and process, click hereSite opens in a new window.

No Advice

The information available on the RBC DI Online Website is provided by sources believed by RBC Direct Investing to be reliable. Any information, including performance data available through any third party provider is not guaranteed to be current, accurate or complete and is subject to change without notice. Any expressed views or opinions provided on our site do not imply endorsement.

Available Only Where Permitted by Law

The products, services and securities referred to on the RBC DI online Website are only available in Canada and other jurisdictions where they may be legally offered for sale. The information on this Website should not be construed as an offer by RBC Direct Investing to sell specific securities in any jurisdiction outside of Canada, including the United States. If you are not currently a resident of Canada, you should not access the information available on this website.

Mutual Fund Information

Important information about the mutual funds referenced on this website, including any associated commissions, trailing commissions, management fees and expenses, is contained in their respective simplified prospectuses, copies of which may be obtained directly from the applicable fund company and which you should read carefully prior to investing. There may be commissions, trailing commissions, investment fund management fees and expenses associated with investment fund and exchange-traded fund (ETF) investments. On or after June 1, 2022, any trailing commissions paid to RBC Direct Investing Inc. will be rebated to clients pursuant to applicable regulatory exemptions. Before investing, please review the applicable fees, expenses and charges relating to the fund as disclosed in the prospectus, fund facts or ETF facts. Mutual funds and ETFs are not guaranteed, their values change frequently and past performance may not be repeated. For money market funds there can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you.

General Information

Any information provided is for your general information and is not intended to provide legal, investment, financial, accounting or tax advice. If you require any such advice, you should retain the services of a competent professional. This Website may contain the opinions, views or recommendations of individuals or organizations. Where present these opinions, views and recommendations are provided for your general interest, and are not endorsed by RBC Direct Investing.

Best execution client disclosure

We and/or our executing broker, RBC Dominion Securities Inc. (“RBC DS”), take all reasonable steps to obtain best execution when executing an order on behalf of a client in accordance with applicable securities regulations. View an overview of RBC DS’ order execution policy and approach to providing “Best Execution” for retail tradesPDF opens in a new window.

RBC Direct Investing Inc. (Member–Canadian Investor Protection Fund), and Royal Bank are separate but affiliated corporate entities. RBC Direct Investing Inc. does not provide investment advice or recommendations regarding the purchase or sale of any securities. Investors are responsible for their own investment decisions. RBC Direct Investing is a business name used by RBC Direct Investing Inc.

Insurance products are offered through RBC Wealth Management Financial Services Inc. ("RBC WM FS"), a subsidiary of RBC Dominion Securities Inc. When discussing and selling insurance products in all provinces except Quebec, Investment Advisors are acting as Insurance Representatives of RBC WM FS. When discussing and selling insurance products in Quebec, Investment Advisors are acting as Financial Security Advisors of RBC WM FS. RBC WM FS is licensed as a financial services firm in the province of Quebec.

In Quebec, financial planning services are provided by RBC WM FS. In the rest of Canada, financial planning services are available though RBC Dominion Securities Inc.

Available Only Where Permitted by Law

The products, services and securities referred to on the RBC DS Website are only available in Canada and other jurisdictions where they may be legally offered for sale. The information on this Website should not be construed as an offer by RBC DS to sell specific securities in any jurisdiction outside of Canada.

RBC Dominion Securities Inc.* and Royal Bank are separate corporate entities which are affiliated. *Member-Canadian Investor Protection Fund. RBC Dominion Securities Inc. is a member company of RBC Wealth Management, a business segment of Royal Bank.

Related and Connected Issuers

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In the event of any discrepancies or contradictions between the information and content provided by third parties and that approved by RBC DS, the information provided by RBC DS will govern.

RBC Dominion Securities Inc. ("RBC DS"),its related companies, affiliates, contractors, agents and/or employees disclaim all warranties, expressed or implied, including, without limitation, those of merchantability and fitness for a particular purpose.

Available Only Where Permitted by Law

The products, services and securities referred to on the RBC Dominion Securities online Website are only available in Canada and other jurisdictions where they may be legally offered for sale. The information on this website should not be construed as an offer by RBC Dominion Securities to sell specific securities in any jurisdiction outside of Canada.

General Information

Any information provided is for your general information and is not intended to provide legal, investment, financial, accounting or tax advice. If you require any such advice, you should retain the services of a competent professional. This website may contain the opinions, views or recommendations of individuals or organizations. Where present, these opinions, views and recommendations are provided for your general interest only, but are not necessarily shared or endorsed by RBC Dominion Securities.

Best Execution

RBC Dominion Securities Inc. has an obligation to take all reasonable steps to obtain best execution when executing an order on behalf of a client in accordance with applicable securities regulations. View an overview of RBC Dominion Securities’ order execution policy and approach to providing “Best Execution” for retail tradesPDF opens in a new window.

RBC Dominion Securities Inc.* and Royal Bank are separate corporate entities which are affiliated. *Member-Canadian Investor Protection Fund. RBC Dominion Securities Inc. is a member company of RBC Wealth Management, a business segment of Royal Bank.

Financial planning services and investment advice are provided by Royal Mutual Funds Inc., a member company under RBC Wealth Management. Royal Mutual Funds Inc., Royal Bank, Royal Trust Corporation of Canada and The Royal Trust Company are separate, but affiliated, corporate entities. Royal Mutual Funds Inc. is licensed as a financial services firm in the province of Quebec.

There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently, and past performance may not be indicative of future performance. Please read the prospectus before investing.

RBC Global Asset Management (RBC GAM) is a business name used by the asset management division of Royal Bank of Canada (RBC) and includes a number of separate corporate entities which are affiliated (RBC GAM Companies): RBC Global Asset Management Inc. (including PH&N Institutional), RBC Global Asset Management (U.S.) Inc., RBC Global Asset Management (UK) Limited, and RBC Global Asset Management (Asia) Limited.

Products and services of RBC GAM are only offered in jurisdictions where they may be lawfully offered for sale. The contents of this site do not constitute an offer to sell or a solicitation to buy products or services to any person in a jurisdiction where such offer or solicitation is considered unlawful. Websites directed at institutional/professional investors or financial intermediaries are not suitable for retail or individual investors.

In Canada, RBC Funds, RBC Private Pools, RBC Alternative Funds, PH&N Funds, and RBC ETFs (the “Funds”) are offered by RBC Global Asset Management Inc. and distributed through authorized dealers. Please consult your financial advisor and read the prospectus or Fund Facts before investing. There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be indicative of future performance. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. For money market funds, there can be no assurances that a fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in a fund will be returned to you. Past performance may not be repeated. ETF units are bought and sold at market price on a stock exchange and brokerage commissions will reduce returns. RBC ETFs do not seek to return any predetermined amount at maturity. Index returns do not represent RBC ETF returns.

RBC Global Asset Management (U.S.) Inc., an SEC–registered investment adviser headquartered in Minneapolis, Minnesota, serves as the investment adviser to certain mutual funds offered in the United States that are distributed by Quasar Distributors, LLC. Securities are offered through RBC Wealth Management, a division of RBC Capital Markets, LLC, member NYSE/FINRA/SIPC. NOT FDIC INSURED. NO BANK GUARANTEE. MAY LOSE VALUE.

RBC Global Asset Management (UK) Limited (RBC GAM UK), is authorized and regulated by the UK Financial Conduct Authority (FCA), registered with the US Securities and Exchange Commission (SEC) and is a member of the National Futures Association (NFA) as authorised by the US Commodity Futures Trading Commission (CFTC). RBC GAM UK is registered in England and Wales and registered number 03647343 with registered office at 100 Bishopsgate, London EC2N 4AA.

In Hong Kong, RBC Global Asset Management (Asia) Limited is licensed by the Hong Kong Securities and Futures Commission to conduct Type 1 (dealing in securities), Type 4 (advising on securities) and Type 9 (asset management) regulated activities.

The registrations and memberships noted should not be interpreted as an endorsement or approval of any of the identified RBC GAM Companies by the respective licensing or registering authorities.

Information provided on this website has been compiled by one or more of RBC GAM Companies from various sources and is provided for informational purposes only. It is not intended to provide legal, accounting, tax, investment, financial or other advice and such information should not be relied upon for providing such advice. RBC GAM Companies take reasonable steps to provide up–to–date, accurate and reliable information, and believe the information to be so when provided. RBC GAM Companies reserve the right at any time and without notice to change, amend or cease publication of the information. Information obtained from third parties is believed to be reliable but no representation or warranty, express or implied, is made by RBC GAM Companies, their affiliates or any other person as to its accuracy, completeness or correctness. RBC GAM Companies and their affiliates assume no responsibility for any errors or omissions.

Related and Connected Issuers

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RBC Insurance means RBC Insurance Holdings Inc., and its affiliates, which include: RBC Life Insurance Company, RBC Insurance Company of Canada, Assured Assistance Inc., RBC Insurance Services Inc., RBC Insurance Agency Ltd. and Royal Bank of Canada Insurance Company Ltd. This site includes links to Websites operated by Royal Bank and its subsidiaries and affiliates. The services offered through these Websites are offered by Royal Bank or its subsidiaries and affiliates, as specifically disclosed on the relevant Website.

All insurance products are subject to the limitations and conditions in the applicable policy or certificate of insurance in force at the time of purchase or enrollment and applicable legislation.

Any language contained in the “Terms for all Websites” which excludes or limits liability to a client for the proper operation or reliability of a digital space or the accuracy of the information presented thereon, is not applicable for residents of the Province of Quebec who are using an RBC Insurance website to purchase a travel insurance product online from RBC Insurance Company of Canada or who are using a digital space to apply to RBC Life Insurance Company for disability insurance under the RBC Employee Long Term Disability Top Up Program.

RBC Insurance means RBC Insurance Holdings Inc., and its affiliates, which include: RBC Life Insurance Company, RBC Insurance Company of Canada, Assured Assistance Inc., RBC Insurance Services Inc., RBC Insurance Agency Ltd. and Royal Bank of Canada Insurance Company Ltd. This site includes links to Websites operated by Royal Bank and its subsidiaries and affiliates. The services offered through these Websites are offered by Royal Bank or its subsidiaries and affiliates, as specifically disclosed on the relevant Website.

All insurance products are subject to the limitations and conditions in the applicable policy or certificate of insurance in force at the time of purchase or enrollment and applicable legislation.

Any language contained in the “Terms for all Websites” which excludes or limits liability to a client for the proper operation or reliability of a digital space or the accuracy of the information presented thereon, is not applicable for residents of the Province of Quebec who are using an RBC Insurance website to purchase a travel insurance product online from RBC Insurance Company of Canada or who are using a digital space to apply to RBC Life Insurance Company for disability insurance under the RBC Employee Long Term Disability Top Up Program.

RBC Ventures means RBC Ventures Inc., an RBC Company. This site includes links to Websites operated by Royal Bank and its subsidiaries and affiliates. The services offered through these Websites are offered by Royal Bank or its subsidiaries and affiliates, as specifically disclosed on the relevant Website.

This RBC Wealth Management Website has been prepared to publicize the products and services offered by RBC Dominion Securities Inc. (Member–Canadian Investor Protection Fund), RBC Direct Investing Inc. (Member–Canadian Investor Protection Fund), Royal Mutual Funds Inc., RBC Global Asset Management Inc., RBC Phillips, Hager & North Investment Counsel Inc., RBC Wealth Management Financial Services Inc., Royal Trust Corporation of Canada and The Royal Trust Company.

These companies are separate corporate entities which are affiliated.

About our employees:

  • Investment Advisors are employees of RBC Dominion Securities Inc.
  • Investment Counsellors are employees of RBC Phillips, Hager & North Investment Counsel Inc.
  • Estate and Trust Professionals are employees of The Royal Trust Company or Royal Trust Corporation of Canada.
  • Private Bankers are employees of Royal Bank and Royal Mutual Funds Inc.
  • Financial Planners are employees of either RBC Dominion Securities or Royal Bank and Royal Mutual Funds Inc., which is a licensed financial services firm in the province of Quebec.
  • When discussing and selling insurance products in all provinces except Quebec, Investment Advisors are acting as Insurance Representatives of RBC Wealth Management Financial Services Inc. When discussing and selling insurance products in Quebec, Investment Advisors are acting as Financial Security Advisors of RBC Wealth Management Financial Services Inc. RBC Wealth Management Financial Services Inc. is licensed as a financial services firm in the province of Quebec.

About the products and services we offer:

  • RBC Direct Investing describes the service provided by RBC Direct Investing Inc. RBC Direct Investing Inc. does not provide specific investment recommendations. Investors are responsible for their own investment decisions.
  • RBC Phillips, Hager & North Investment Counsel describes the investment counselling services offered by RBC Phillips, Hager & North Investment Counsel Inc.
  • Estate and Trust Services describes the, estate settlement, executor and trustee services offered by The Royal Trust Company and Royal Trust Corporation of Canada.
  • Private Banking describes the private banking, investments, deposit, mortgage and credit services offered by Royal Bank and Royal Mutual Funds Inc.
  • In Quebec, financial planning services are provided by Royal Mutual Funds Inc. or RBC Wealth Management Financial Services Inc. and each is licensed as a financial services firm in that province. In the rest of Canada, financial planning services are available through Royal Mutual Funds Inc., or RBC Dominion Securities Inc.
  • Using borrowed money to finance the purchase of securities, including mutual fund securities, involves greater risk than a purchase using cash resources only. Should you borrow money to purchase securities, your responsibility to repay the loan as required by its terms remains the same even if the value of the securities purchased declines. Unless otherwise indicated, securities purchased from or through the Member Companies are not insured by a government deposit insurer, or guaranteed by Royal Bank or any of the member companies and may fluctuate in value.
  • Insurance products are offered through RBC Wealth Management Financial Services Inc. ("RBC WM FS"), a subsidiary of RBC Dominion Securities Inc. When discussing and selling insurance products in all provinces except Quebec, Investment Advisors are acting as Insurance Representatives of RBC WM FS. When discussing and selling insurance products in Quebec, Investment Advisors are acting as Financial Security Advisors of RBC WM FS. RBC WM FS. is licensed as a financial services firm in the province of Quebec.
  • The Dow Jones Indexes SM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use.

Unclaimed property:

The provinces of Quebec, Alberta and British Columbia have introduced regulations which set out specific responsibilities for the administration of Unclaimed Property if the last known address of the owner of the property was within one of these provinces. The legislation is designed to ensure that all reasonable efforts are made to return Unclaimed Property to its owner. Unclaimed Property refers to securities and/or money held in accounts, without recent activity (3 years), where the current location of the client is not known to us and the last known address is in one of Quebec, Alberta or British Columbia. RBC Dominion Securities Inc., RBC Phillips, Hager & North Investment Counsel Inc., Royal Trust Corporation of Canada and the Royal Trust Company maintain a database of accounts which may hold Unclaimed Property.

If you have an enquiry or claim in respect of Unclaimed Property either on your own behalf or, for example, in your capacity as attorney under a power of attorney or as estate trustee, please provide full details including your full name and account number in writing to wmcaunclaimed@rbc.com.

The RBC Wealth Management Online Website has been prepared to publicize the products and services offered by RBC Dominion Securities Inc. (Member–Canadian Investor Protection Fund), RBC Direct Investing Inc. (Member–Canadian Investor Protection Fund), Royal Mutual Funds Inc., RBC Global Asset Management Inc., RBC Phillips, Hager & North Investment Counsel Inc., RBC Wealth Management Financial Services Inc., Royal Trust Corporation of Canada and The Royal Trust Company.

These companies are separate corporate entities which are affiliated.

About our employees:

  • Investment Advisors are employees of RBC Dominion Securities Inc.
  • Investment Counsellors are employees of RBC Phillips, Hager & North Investment Counsel Inc.
  • Senior Trust Advisors and Trust Officers are employees of The Royal Trust Company or Royal Trust Corporation of Canada.
  • Private Bankers are employees of Royal Bank and Royal Mutual Funds Inc.
  • Financial Planners are employees of either RBC Dominion Securities Inc., Royal Trust Corporation of Canada, The Royal Trust Company or Royal Bank and Royal Mutual Funds Inc., which is a licensed financial services firm in the province of Quebec.
  • When discussing and selling insurance products in all provinces except Quebec, Investment Advisors are acting as Insurance Representatives of RBC Wealth Management Financial Services Inc. ("RBC WM FS"). When discussing and selling insurance products in Quebec, Investment Advisors are acting as Financial Security Advisors of RBC WM FS. RBC WM FS. is licensed as a financial services firm in the province of Quebec.

About the products and services we offer:

  • RBC Direct Investing describes the service provided by RBC Direct Investing Inc. RBC Direct Investing Inc. does not provide specific investment recommendations. Investors are responsible for their own investment decisions.
  • RBC Phillips, Hager & North Investment Counsel describes the investment counselling services offered by RBC Phillips, Hager & North Investment Counsel Inc.
  • Trust Services describes the custody, estate planning, executor and trustee services offered by The Royal Trust Company and Royal Trust Corporation of Canada.
  • Private Banking describes the private banking, investments, deposit, mortgage and credit services offered by Royal Bank and Royal Mutual Funds Inc.
  • In Quebec, financial planning services are provided by Royal Mutual Funds Inc. or RBC Wealth Management Financial Services Inc. and each is licensed as a financial services firm in that province. In the rest of Canada, financial planning services are available through Royal Mutual Funds Inc., Royal Trust Corporation of Canada, The Royal Trust Company, or RBC Dominion Securities Inc.
  • Using borrowed money to finance the purchase of securities, including mutual fund securities, involves greater risk than a purchase using cash resources only. Should you borrow money to purchase securities, your responsibility to repay the loan as required by its terms remains the same even if the value of the securities purchased declines. Unless otherwise indicated, securities purchased from or through the Member Companies are not insured by a government deposit insurer, or guaranteed by Royal Bank or any of the member companies and may fluctuate in value.
  • Insurance products are offered through RBC WM FS, a subsidiary of RBC Dominion Securities Inc. When discussing and selling insurance products in all provinces except Quebec, Investment Advisors are acting as Insurance Representatives of RBC WM FS. When discussing and selling insurance products in Quebec, Investment Advisors are acting as Financial Security Advisors of RBC WM FS. RBC WM FS. is licensed as a financial services firm in the province of Quebec.
  • The Dow Jones Indexes SM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use.

The following terms apply if you access Online Services using certain mobile devices through Websites specifically designed for mobile devices or through the Software ("Mobile Services"):

You must be enrolled in the Online Services of the specific RBC Company in order to use the Mobile Services of that RBC Company;

You will not have access to all of the same services, features, functionality, content or information through Mobile Services as you may through Online Services (including your online message centre, notices, legal and privacy terms, links, bills, statements and complete transaction and account information) and you must access Online Services through a technology other than Mobile Services on a regular basis to access the services, features, functionality, content and information of such Online Service;

There may be important terms and conditions that are displayed only when you click on information icons or links within Mobile Services. You must access and read those terms and conditions, and by using Mobile Services, those terms and conditions apply to your use of Mobile Services, in addition to the terms and conditions of any applicable agreements;

Mobile Services may not be available for use in locations outside of Canada and the United States; and

You are responsible for any fees imposed by a service provider that you might incur by accessing Mobile Services.

Social Media

The following terms apply if you access any of the social media pages, accounts, sites, channels and/or any application(s) within the said pages, accounts, sites and channels which have been established and administered by RBC (each individually referred to as a "Social Media Page", collectively referred to as the "Social Media Pages"). The term "Websites" (defined earlier in these Terms) includes Social Media Pages. The term "Social Media Page Website" refers to the website which hosts the Social Media Pages you are accessing.

General Statement

By using the Social Media Pages and submitting a comment, photo, video links and/or other materials, you (and your parent/legal guardian if you are under the age of majority in your jurisdiction of residence) agree to be bound and comply with these Terms, the RBC Privacy Policy and the general terms of use applicable to the Social Media Page Websites.

The Social Media Pages are designed for you and we encourage you to review, leave comments, discuss RBC products and services, watch and share our videos and to engage us. Some of the comments and materials posted to the Social Media Pages and the Social Media Page Websites may not represent the opinions of RBC. You agree that you will not post or submit any information, post, link or material of any kind on the Social Media Pages which fall into any of the categories described below:

  • Anything defamatory, abusive, infringing, obscene, misleading, unlawful or which otherwise violates the legal rights (including the privacy) of others;
  • Anything that contains any unsolicited advertising, promotional materials, or other forms of solicitation to other users, individuals or entities;
  • Anything that falsifies the origin or source of any information;
  • Anything repetitive, off–topic or overly–inflammatory; or
  • Any financial or personal information about yourself or others. For more information, please visit Our Privacy PolicySite opens in a new window.

Any information, posts, links or material of any kind that we determine to fall into any of the categories described above will be hidden/removed by RBC, at its sole discretion.

RBC will not be responsible or liable for the entities which own or operate the Social Media Page Websites or the Social Media Page Websites in any way, including being liable for any losses, or direct or indirect damages arising from any action or decision made by you or anyone else in reliance on the Social Media Page Websites.

If you have a question or concern about anything posted on the Social Media Pages, feel free to contact us at socialmedia@rbc.com