Legal

CST Spark^TM Education Portfolio and CST Bright Plan^TM (the Funds) are securities sold by prospectus only. This website provides general information for educational purposes and is not intended to provide specific financial advice. Not all relevant conditions and restrictions related to these investment funds are included on the pages of this site. The prospectus contains important information concerning an investment in these Funds that you should read carefully before investing. Copies may be obtained from our website at www.cstspark.ca or by contacting us at 1-800-461-7100.

Information contained on this website should not be considered an offer to sell or a solicitation to buy these securities in the United States or any other jurisdiction outside of Canada in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation.

The actual amounts of Education Assistance Payments (EAPs) cannot be predicted. The amount of an EAP will depend upon the amount of income earned on your contributions, grants and other factors described in the prospectus. The amount of income earned on your investments may vary from year to year and past performance is not necessarily indicative of future performance.

The Canadian Scholarship Trust Foundation and its subsidiaries, C.S.T. Spark Inc. and C.S.T. Savings Inc., operate under the master brand name CST. The terms “we”, “us” and “our” refer to CST.

Accuracy and changes to information on our website

The data and information provided by C.S.T. Spark Inc., its affiliates and other sources are considered reliable at the time they are presented. Despite its best efforts, however, C.S.T. Spark Inc. cannot guarantee that the information is accurate and complete or that it is up to date at all times.

Trademarks

CST^TM, CST Spark^TM , CST Bright Plan^TM and certain other names and designs used on this website are trademarks of Canadian Scholarship Trust Foundation. Unauthorized use or exploitation of such marks and names is strictly prohibited.

Disclaimer of liability

Neither Canadian Scholarship Trust Foundation nor any of its affiliates, including C.S.T. Spark Inc., or their respective agents warrants that the service on this website will be uninterrupted or error free. Neither Canadian Scholarship Trust Foundation nor any of its affiliates are responsible in any way for any damages (direct, indirect, special, incidental, economic, or consequential, exemplary or punitive) in respect of or in connection with the use or inability to use this website, any of its content or any other web browser connected to this website, or any action or decision made by you or anyone else in reliance on this website or its content, or any unauthorized use or reproduction of this website or its content.

Complaints

WHAT TO EXPECT WHEN FILING A COMPLAINT

• Receipt of your complaint will be acknowledged in writing within 3 business days.
  
• A response to your complaint will be provided in writing within 60 days or you will be notified with an expected response date.
• A written response from our Complaints Handling Group is considered to be our final response on a complaint.
  
• Your complaint will not be reopened unless you present new and relevant information.
  
• You may make a complaint to the Mutual Fund Dealers Association, which is the self-regulatory organization in Canada to which C.S.T. Spark belongs, at any time, whether or not you have complained to your mutual fund dealer.
  
• You can contact the Ombudsman for Banking Services and Investments or the Autorité des Marchés Financiers (Québec residents only) if you are dissatisfied with your complaint response or you submitted a complaint and did not receive a response within 90 days.

To raise a complaint, please click [email protected]

Independent Review Committee (IRC) Report

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