The Ultimate Gift Card Guide & FAQs for Canadians
Your independent and comprehensive resource for understanding, managing, and maximizing your gift cards in Canada.
Welcome to GiftOcean.top, a dedicated independent informational guide and referral site. Our mission is to provide **clear, unbiased, and extensive information** about various types of gift cards available in Canada. We are **not a gift card issuer, nor are we directly affiliated with any specific gift card brand.** Our purpose is to offer helpful guidance and direct you to trusted, third-party retailers for your purchase or balance check needs. We transparently disclose that we may earn a small commission from some links at no extra cost to you, which helps support this independent resource.
Understanding Gift Cards: A Detailed Canadian Perspective
Gift cards have become a cornerstone of modern consumer spending, offering unparalleled flexibility for recipients and convenience for givers. In Canada, their popularity continues to grow, adapting to evolving consumer habits and diverse retail landscapes. This comprehensive section will explore the fundamental aspects of gift cards, distinguishing between their various types, explaining core functionalities, and touching upon the Canadian regulatory environment that impacts their usage.
What Exactly is a Gift Card?
At its essence, a gift card is a prepaid payment instrument loaded with a specific monetary value. Unlike traditional credit cards, which provide a line of credit, gift cards operate on a pay-as-you-go system, meaning you can only spend the amount loaded onto the card. Their widespread adoption in Canada can be attributed to several key advantages:
- Ultimate Choice for Recipients: Gift cards empower the recipient to select precisely what they desire or require from a particular merchant, eliminating the guesswork often associated with traditional gift-giving and ensuring satisfaction.
- Budgetary Control for Givers: For those giving gifts, gift cards offer a precise way to manage spending, ensuring the gift fits within a predetermined budget without overspending.
- Unmatched Convenience: The process of both purchasing and redeeming gift cards is typically straightforward and efficient, whether conducted in-person at a physical retail location or through online platforms.
- Vast Selection: The Canadian market offers gift cards for nearly every type of retailer, service, and product imaginable, ranging from major national department stores and e-commerce giants to local restaurants, entertainment venues, and digital subscriptions.
Grasping these foundational concepts is the initial step towards becoming a knowledgeable gift card user in Canada, ensuring you extract the maximum value from every card you acquire or receive.
Types of Gift Cards Relevant to Canada:
1. Closed-Loop (Store-Specific) Gift Cards:
These are the most common type and are specific to a single merchant or a defined group of affiliated merchants. For instance, a gift card purchased from "Tim Hortons" can only be redeemed at Tim Hortons locations. They are often a cost-effective option for merchants to issue, as they do not typically involve third-party payment network fees. While they offer less versatility than open-loop cards, they guarantee that the gift's value is spent at the intended brand.
- **Usage Limitation:** Exclusively accepted at the issuing merchant(s) or their direct affiliates.
- **No Network Fees for Consumers:** Generally, consumers do not incur activation or transaction fees when purchasing or using these cards.
- **Promotes Brand Loyalty:** Encourages recipients to patronize a specific brand or chain.
- **Examples in Canada:** Cards for Canadian Tire, Loblaws, Cineplex, Starbucks Canada, Amazon.ca (for use only on Amazon.ca).
2. Open-Loop (Network-Branded) Gift Cards:
These highly versatile cards are backed by major international payment networks such as Visa, Mastercard, or American Express. They function akin to a standard debit or credit card and can be used virtually anywhere within Canada and globally that accepts the respective card network. This provides maximum flexibility for the recipient, as they are not restricted to a single store.
- **Widespread Acceptance:** Usable at millions of locations that accept the corresponding card network.
- **High Flexibility:** Allows recipients to choose from a vast array of goods and services, including online purchases.
- **Potential Fees:** May sometimes involve activation fees for the purchaser. It's important to check the terms for any dormancy fees (service fees applied after a period of inactivity), although in Canada, these are often restricted or prohibited.
- **Examples in Canada:** Vanilla Visa Gift Card, Mastercard Gift Card.
Gift Card Regulations in Canada: Key Things to Know
Canada has robust regulations regarding gift cards to protect consumers. Understanding these rules can prevent common frustrations:
- No Expiry Dates (Federal Law): For federally regulated companies (like airlines or banks) and most provincially regulated retailers, gift cards purchased in Canada **cannot expire**. This is a significant consumer protection. However, there are nuances:
- **Promotional Cards:** Cards given as part of a promotion or loyalty program may have expiration dates, provided it's clearly disclosed.
- **Specific-Purpose Cards:** Cards for specific services (e.g., prepaid phone cards) might have different rules.
- **Prepaid Credit Cards (Open-Loop):** While the funds on these cards generally do not expire, the physical plastic card itself might have an expiry date. If the card expires, you can typically get a replacement card with the remaining balance, or a refund of the balance.
- No Dormancy Fees (Federal Law): For federally regulated entities, gift cards generally cannot be subject to dormancy or inactivity fees. Most provinces also have similar legislation protecting consumers from these fees for provincially regulated retailers.
- Balance Check Requirements: Issuers are typically required to provide easy ways for consumers to check their balances.
Always review the specific terms and conditions on the gift card itself or the issuer's website, as provincial variations or specific card types might have subtle differences.
Digital vs. Physical Gift Cards: A Canadian Overview
Both digital (e-gift cards) and physical gift cards are widely available in Canada. Each has its advantages:
1. Physical Gift Cards:
- **Tangible Gift:** Preferred by many for their traditional gift-giving feel.
- **Easy In-Store Use:** Simple to swipe or scan at the point of sale.
- **Collectibility:** Some cards have appealing designs.
2. Digital (e-Gift Cards):
- **Instant Delivery:** Can be sent via email instantly, ideal for last-minute gifts.
- **Eco-Friendly:** Reduces plastic waste.
- **Convenient Online Use:** Often easier to use for online purchases as details can be copied and pasted.
- **Less Risk of Loss:** Stored digitally, reducing the chance of misplacing the physical card.
- **Examples:** Many Canadian retailers offer e-gift cards, including Amazon.ca, Best Buy Canada, etc.
The choice between physical and digital often comes down to personal preference and the immediacy of the gifting occasion.
Mastering Gift Card Usage: A Step-by-Step Guide for Canadians
Effectively using a gift card in Canada can vary slightly depending on whether you're shopping in a physical store or making an online purchase. This section provides detailed, clear, and step-by-step instructions for both scenarios, alongside practical tips and troubleshooting advice, ensuring a smooth transaction process every time.
Using Your Gift Card In-Store (Physical Card):
Physical gift cards are generally very straightforward to use at any brick-and-mortar retail location across Canada. Here's what you need to know for a seamless experience:
- Prior Balance Verification: Before you head to the store, it is always a highly recommended practice to check your gift card's current balance. This proactive step helps prevent any unexpected surprises at the checkout counter and allows you to plan your purchases efficiently. (For detailed methods, please refer to our "Checking Your Gift Card Balance" section.)
- Presentation at Checkout: When you are ready to finalize your purchase, simply present your physical gift card to the cashier. Treat it just as you would a debit or credit card.
- Swiping, Scanning, or Manual Entry: The cashier will typically swipe the magnetic stripe located on the back of the card through their Point of Sale (POS) system. Alternatively, they may scan the barcode if one is present on the card. For digital gift cards used in-store, they might manually enter the card number or scan a barcode displayed on your mobile device. Ensure the barcode is clear and undamaged for quick scanning.
- PIN Entry (If Applicable): For certain types of gift cards, especially open-loop cards (e.g., Visa, Mastercard gift cards) that function more like debit cards, you might be prompted to enter a 4-digit Personal Identification Number (PIN) directly on the payment terminal. This PIN is usually found under a scratch-off panel on the back of your card. Gently scratch it to reveal the number. If you are not prompted for a PIN, it means it's not required for that specific card or transaction.
- Transaction Confirmation and Remaining Balance: The POS system will process the payment. If your gift card balance is sufficient to cover the entire purchase amount, the transaction will be completed. If the balance is less than your total, you will be informed of the remaining amount due, which you will then need to pay using an alternative method (such as cash, debit card, or credit card).
- Retain Your Card and Receipt: It is crucial to always keep your gift card, even if you believe its balance has been fully depleted, until you are absolutely certain that its value is zero. The card might still hold a small residual balance, or it could be needed for returns. Always retain your purchase receipt as well; it serves as vital proof of purchase and can be invaluable for verifying the original balance or for troubleshooting any future issues.
Using Your Gift Card Online:
Shopping online with gift cards offers immense convenience and is generally a straightforward process, although the exact steps may vary slightly from one e-commerce website to another. Here are the general guidelines for using your gift card for online purchases:
- Confirm Online Acceptance: Before you begin your online shopping spree, it's wise to first confirm that the specific website or online retailer accepts your particular type of gift card. Most websites clearly list their accepted payment methods, often found during the checkout process or in their FAQ section.
- Proceed to Checkout: Once you have added all your desired items to your virtual shopping cart, navigate to the checkout page when you are ready to finalize your order.
- Locate the Gift Card/Promo Code Field: On the payment page, which typically appears before the final order confirmation, carefully look for a designated field or option labeled "Gift Card," "Apply Gift Card," "Promo Code," "Coupon Code," or similar phrasing. This is where you will input your card details.
- Enter Card Information: You will generally be required to enter the full gift card number. This is usually a long sequence of digits (e.g., 16 digits for open-loop cards, or a shorter number for closed-loop merchant-specific cards). Ensure accurate entry to avoid errors.
- Enter Security Code/PIN (If Applicable): Depending on the type of gift card and the website's security requirements, you might also need to enter an additional security code. This could be a PIN, a CVV/CVC (typically 3 digits on the back of Visa/Mastercard gift cards), or a CID (4 digits on the front of American Express gift cards). Consult our section on security codes if you are unsure which code applies to your card.
- Apply or Redeem the Value: After diligently entering all the required card details, click the "Apply," "Redeem," "Submit," or a similar button. The website's system will then process the gift card, and its value will be deducted from your order's total amount.
- Complete Remaining Payment (If Necessary): If the balance on your gift card does not fully cover the entire cost of your online order, the website will promptly inform you of the remaining balance due. You will then be prompted to select an alternative payment method (such as a credit card, debit card, or another digital payment service) to cover the outstanding amount.
- Final Order Confirmation: Upon successful completion of the transaction, you will receive an order confirmation, typically displayed on screen and also sent to your registered email address. It's advisable to keep a record of any remaining gift card balance for future use.
Verifying Your Gift Card Balance: Essential Steps for Canadian Cards
Regularly checking the balance on your gift card is a smart habit that helps you manage your spending effectively and avoid any unexpected issues at checkout. While the exact methods for balance inquiry can vary slightly between different card issuers and retailers in Canada, this section provides a comprehensive guide to the most common and reliable ways to ascertain your gift card's remaining value, ensuring you are always informed and prepared.
Primary Methods to Check Your Gift Card Balance:
Here are the most reliable avenues for Canadians to check their gift card balances:
- Online via the Issuer/Retailer Website (Most Convenient):
This is arguably the most convenient and widely available method for checking your gift card balance, accessible 24/7. Most major gift card issuers and Canadian retailers provide a dedicated online portal for balance inquiries:
- **Locate the Official Website:** Begin by carefully examining your physical gift card. The official website address for balance checks is almost always prominently printed on the back. For digital (e-gift) cards, the balance check link is typically embedded within the email or digital communication you received when the card was issued.
- **Navigate to the Balance Check Section:** Once on the official website, look for clearly labeled links or sections such as "Check Balance," "Gift Card Services," "Card Holder Services," "My Account," or "Customer Support." These links are often found in the website's footer, header, or within a dedicated gift card section.
- **Enter Required Card Details:** You will typically be prompted to accurately enter your gift card number (a long sequence of digits) and, in many cases, a Personal Identification Number (PIN) or another type of security code (like a CVV/CVC or CID). Ensure all numbers are entered correctly to avoid errors.
- **View Your Balance:** After successfully submitting the required details, your current gift card balance should be displayed almost instantly on your screen.
- In-Store at the Retailer's Location:
If you prefer an in-person approach, or if online checking options are unavailable for your specific card, checking your balance directly at the retailer's physical store is a reliable alternative:
- **Visit Any Branch:** Most Canadian retailers allow you to check the balance of their store-specific gift cards at any of their store locations, regardless of where the card was originally purchased.
- **Approach the Cashier or Customer Service Desk:** Present your physical gift card to a cashier at the checkout lane or visit the dedicated customer service counter within the store.
- **Request a Balance Check:** Simply inform the staff member that you would like to check the remaining balance on your card. They will typically process your request by swiping or scanning the card through their Point of Sale (POS) system and then provide you with the current value.
- By Phone via Customer Service Number:
Almost all physical and digital gift cards in Canada come with a toll-free customer service phone number prominently printed on the back of the card or provided in the e-gift card email. This is a convenient and reliable option, especially if you lack internet access or prefer to speak directly with a customer service representative (though often automated systems handle balance inquiries).
- **Locate the Number:** Find the dedicated customer service phone number on your gift card.
- **Call and Follow Automated Prompts:** Dial the number and listen carefully to the automated voice menu options. Select the option specifically for "Gift Card Balance Inquiry," "Card Services," or "Prepaid Card Information."
- **Enter Card Details via Keypad:** You will likely be instructed to enter your full gift card number and any associated PIN or security code using your phone's keypad.
- **Listen for Balance:** The automated system will then verbally provide your current available balance. For more complex inquiries, you might have the option to speak to a live agent.
- Through Mobile Apps (For Supported Issuers/Retailers):
Many major Canadian gift card issuers and large national retailers now offer dedicated mobile applications for smartphones and tablets. If you frequently use gift cards from a specific brand, their app can provide a highly convenient way to manage your cards, including real-time balance checks:
- **Download the Official App:** Search for the retailer's or issuer's official mobile application in your device's app store (e.g., Apple App Store, Google Play Store).
- **Register or Log In:** You may need to create a new user account or log in to an existing one.
- **Add/Load Card:** Look for an option within the app such as "Add Gift Card," "Load Card," "My Wallet," or "Manage Cards." Follow the prompts to securely enter your gift card details.
- **View Balance:** Once your card is successfully added or linked, its current balance should be readily visible and easily accessible within the app's interface, often with transaction history as well.
Important Considerations When Checking Your Gift Card Balance:
- **Always Use Official Channels:** To protect your card's value and personal information, only use the official websites, phone numbers, or apps provided by the gift card issuer or retailer. Be wary of third-party websites or services that promise balance checks but are not explicitly authorized.
- **Have Security Codes Ready:** Your PIN, CVV/CVC, or CID are essential for verifying your identity as the legitimate cardholder during balance checks. Keep these codes secure but accessible when needed.
- **Keep Purchase Receipts:** The original purchase receipt serves as critical proof of the gift card's initial value and purchase date. It can be invaluable for verifying information or disputing any incorrect balances with the issuer.
- **Understand Partial Use:** Remember that a gift card's balance can be partially depleted. If you make a purchase that uses only a portion of the card's value, the remaining balance can still be used for future transactions until it reaches zero. A partial use does not invalidate the card.
Frequently Asked Questions About Gift Cards (Canadian Focus)
This section addresses common questions and concerns Canadians often have about gift cards. Our aim is to provide clear, concise, and helpful answers to ensure you have all the necessary information for a positive gift card experience. For very specific issues related to a particular gift card, always consult that card's official terms and conditions or contact the card issuer's customer service directly.
Q: Do gift cards expire in Canada?
This is a frequent and important question for Canadian consumers. Generally, under Canadian law, **most gift cards purchased in Canada do not expire.**
The federal government (through the Bank of Canada Act and the Prepaid Payment Products Regulations) and most Canadian provinces (e.g., Ontario, British Columbia, Alberta, Quebec, Manitoba) have enacted legislation that prohibits expiration dates on the monetary value loaded onto gift cards. This applies to a wide range of gift cards, including store-specific cards and many open-loop prepaid cards.
However, there are important nuances and exceptions to be aware of:
- **Promotional Gift Cards:** Cards provided as part of a marketing promotion, loyalty program reward, or rebate may have an expiration date, provided that this expiration is clearly and conspicuously disclosed at the time the card is issued. These are typically not considered "gift cards" in the traditional sense under the legislation.
- **Specific-Purpose Cards:** Certain types of prepaid cards designed for specific services (e.g., prepaid phone cards, prepaid gaming cards, prepaid internet services) may have different rules regarding expiration.
- **Prepaid Credit Cards (Physical Expiry):** While the monetary value on open-loop prepaid credit cards (like Visa or Mastercard gift cards) generally does not expire, the physical plastic card itself will often have an expiry date (e.g., "VALID THRU 12/28"). If your physical card expires, you can typically request a replacement card with your remaining balance, or in some cases, receive a refund of the balance, by contacting the card issuer.
- **Dormancy/Inactivity Fees:** Similar to expiration dates, most Canadian jurisdictions prohibit dormancy or inactivity fees on gift cards. This means the value on your gift card should not be eroded simply because you haven't used it for a period.
Recommendation: Always scrutinize the terms and conditions printed on the card or available on the issuer's website to understand any specific limitations, especially for promotional offers or prepaid credit cards.
Q: Can I get cash back from a gift card in Canada?
In Canada, gift cards are generally designed for use as a form of payment for goods or services and are **typically not redeemable for cash.**
However, there are a few scenarios or exceptions:
- **Retailer Discretion:** Some individual retailers may, at their own discretion, offer cash back for small remaining balances, although this is not legally mandated across the board in Canada. It's rare to get cash back for large balances.
- **Returns:** If you purchase an item using a gift card and then return it, most Canadian retailers will issue the refund back onto the original gift card, provide a new gift card, or offer store credit. It is highly uncommon for them to issue a cash refund unless required by specific provincial consumer protection laws or their internal return policy allows it for unique circumstances.
- **Selling Unwanted Gift Cards:** For gift cards you don't intend to use, there are legitimate online secondary marketplaces in Canada where you can sell them for cash (or exchange them for other gift cards). Popular examples include services like CardSwap.ca or sometimes through general classifieds websites. Be aware that you will typically receive less than the full face value of the card (e.g., 80-95% of its value), as these services facilitate a resale market.
- **Lost or Stolen Cards:** In some cases, if a gift card is lost or stolen and you have proof of purchase and the card number, the issuer might, as a goodwill gesture or if legally required, issue a replacement card or, in very rare circumstances, a refund of the remaining balance, especially if the card was registered.
Recommendation: Always verify the specific return and refund policies of the retailer or the terms and conditions of the gift card issuer. Do not expect to convert your gift card into cash easily unless selling it on a secondary market.
Q: What are CVV, CVC, CID, and PIN on gift cards?
These are all critical security codes designed to protect your gift card from unauthorized use and to verify your identity as the legitimate cardholder during transactions, particularly online or over the phone. While they serve a similar purpose, their names, locations, and formats can vary depending on the card network and issuer:
-
CVV (Card Verification Value) / CVC (Card Verification Code):
This is typically a **3-digit security code** found on the **back** of your gift card. It is usually located within or near the signature strip. This code is commonly associated with gift cards issued on the Visa, Mastercard, and Discover payment networks. It is essential for online and phone purchases to confirm that the physical card is genuinely in your possession and helps prevent fraudulent use of stolen card numbers.
-
CID (Card Identification Number):
This is a unique **4-digit security code** exclusively used on **American Express gift cards**. Unlike CVV/CVC codes which are typically on the back, the CID is usually found on the **front** of the American Express gift card, often printed above or to the right of the main 15-digit card number. Its function mirrors that of a CVV/CVC, acting as a crucial verification element for card-not-present transactions.
-
PIN (Personal Identification Number):
A PIN is almost always a **4-digit numerical code**. For many gift cards, especially those that function more like debit cards (e.g., certain open-loop Visa or Mastercard gift cards issued by banks or financial institutions), the PIN is located on the **back of the card**. It is often hidden under a scratch-off panel (like a lottery ticket) or affixed as a removable sticker. This code is primarily used for in-store transactions where you might select "Debit" at the payment terminal and then enter the PIN. It adds an extra layer of security for physical point-of-sale transactions and is also frequently required for automated balance checks via phone systems.
Understanding the location and purpose of these various security codes is vital for correctly completing transactions and for ensuring the security of your gift card funds.
Q: What if my gift card balance is incorrect or not showing up?
Discovering an incorrect or missing gift card balance can be a frustrating experience, but most issues can be resolved with prompt action. If you've checked your balance through official channels (online, phone, or in-store) and believe it's inaccurate or simply isn't showing up, here are the clear steps you should take:
- Gather All Pertinent Information: Before you contact customer service, ensure you have all relevant details at hand. This significantly speeds up the resolution process:
- The complete gift card number and any associated PIN or security code (CVV/CVC/CID).
- The original purchase receipt (if you have it). This is incredibly important as it serves as definitive proof of the card's initial value and the date of purchase.
- Details of any recent transactions where you used the card, including dates, amounts, and the retailers involved.
- For digital gift cards, keep records of any purchase emails or other digital communications related to the card.
- Any reference numbers from previous attempts to check the balance.
- Contact the Gift Card Issuer's Customer Service:
The most direct and effective way to resolve a balance discrepancy or issue is to directly contact the customer service department of the company that issued the gift card. This might be the specific retailer (for store-specific cards) or the financial institution/payment network (for open-loop cards like Visa or Mastercard gift cards).
- The customer service phone number is almost always printed on the back of your physical gift card.
- For digital cards, the contact information or a dedicated support link should be available in the email where the card was delivered.
- Many issuers also have dedicated online portals for support inquiries.
- Clearly Explain the Discrepancy: When you connect with customer service, clearly articulate why you believe the balance is incorrect or why the card isn't functioning. Provide them with all the detailed information you've gathered. They will typically access your card's transaction history to investigate the discrepancy.
- Be Patient and Document Everything: Resolving these issues can sometimes take time, especially if it requires internal investigation by the issuer. Be prepared for a process that might involve some back-and-forth communication. It is crucial to keep a detailed record of every interaction: the name of the representative you spoke with, the date and time of your call/email, and any reference numbers or case IDs they provide.
- Consider Escalation or Consumer Protection (If Necessary): If you are unable to resolve the issue directly with the issuer after reasonable attempts, and if the issue involves a significant amount, you might consider escalating your complaint within the issuer's hierarchy. In Canada, you may also consider contacting provincial consumer protection agencies or the Financial Consumer Agency of Canada (FCAC) for guidance, especially for issues with federally regulated financial institutions or prepaid cards.
Prompt action, thorough documentation, and clear communication with the issuer are paramount to successfully resolving gift card balance discrepancies and ensuring you receive the value you are entitled to.
Find and Purchase Gift Cards Online: Trusted Canadian Resources
Looking to buy new gift cards or explore diverse options for yourself or as a gift in Canada? Below is a carefully selected list of trusted online platforms where you can securely purchase various types of gift cards. As an independent informational guide, our primary aim is to direct you to reliable and reputable sources within the Canadian gift card market. Please note that **some of these links are affiliate links**, meaning GiftOcean.top may earn a small commission if you make a purchase through them. This commission comes at absolutely no extra cost to you and plays a vital role in supporting the continuous operation and maintenance of this independent resource. We meticulously recommend only those platforms that we believe offer genuine value, robust security, and consistent reliability.
*Please ensure you meticulously review the individual terms and conditions on each merchant's website before finalizing any purchase. Our role is solely to provide information and facilitate your discovery of these external platforms.
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This website, GiftOcean.top, is provided on an "as is" and "as available" basis, without any representations or warranties of any kind, whether express or implied. GiftOcean.top explicitly makes no warranties regarding the accuracy, reliability, or completeness of any information provided on this site. We do not warrant that this website will be constantly available, or available at all; or that the information on this website is entirely complete, true, accurate, or non-misleading. You expressly acknowledge and agree that your use of this website is at your sole risk and discretion.
4. Limitation of Liability:
To the fullest extent permissible by applicable law, GiftOcean.top, its affiliates, officers, directors, employees, agents, suppliers, or licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, damages for loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the website; (ii) any conduct or content of any third party on the website; (iii) any content obtained from the website; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose. By using this website, you waive any claims against GiftOcean.top arising from your use of the site or any information contained herein.
5. Changes to Terms of Service:
GiftOcean.top reserves the right to modify or replace these Terms of Service at any time, in our sole discretion. We will indicate at the top of these Terms the date on which they were last updated. Your continued use of the website after the posting of any revised Terms constitutes your explicit acceptance of the new Terms of Service. It is your sole responsibility to review these Terms periodically to stay informed of any changes.
6. Governing Law:
These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.
**Last Updated:** June 2, 2025