Privacy Policy

Your Privacy

  • Introduction
  • We will obtain your consent
  • We will limit collection, use, disclosure and retention of personal information
  • We will safeguard information in our custody
  • We will provide you access to your file
  • If you are not satisfied as to how we have handled your personal information…


At Cain & Osborne we are committed to maintaining the highest standards of integrity in our business. In the course of our business, it is

necessary to collect, record, store, process, transmit, and otherwise handle Personal Information about individuals. We take these activities seriously and seek to provide fair, secure and appropriate methods for the handling of Personal Information. All such activities are intended to be consistent with both generally accepted privacy ethics and standard business practices.

If you have any questions or comments about Cain & Osborne Privacy Policy, you can contact our Privacy Officer at our main office at 2635 Watermusic Bay, Ottawa, Ontario  K2J 0T4.

We Will Obtain Your Consent

The purpose for which Personal Information is collected will be specified on or before the collection of the information, and any change of purpose will be communicated to you. This consent will be expressed in writing, given verbally, electronically, or through an authorized representative. In limited circumstances consent can also be implied.

Consent to collect, use and disclose Personal Information can be withdrawn at any time, subject to legal and contractual restrictions and reasonable notice.
We will limit collection, use, disclosure and retention of personal information.


Only required information for the purpose(s) identified will be collected.

Only lawful means will be used to collect personal information.

To the extent appropriate:
– Personal Information will be obtained directly from you; and
– Prior to collecting Personal Information from any other source, you will be notified or your written authorization will be obtained.
•  Use and disclosure

Personal information will not be used or disclosed for purposes other than those specified to you, except:

– Where required by law; or
– Where reasonably necessary, to determine eligibility for a benefit; or
– To protect the interests of Cain & Osborne against criminal activity, fraud, and material misrepresentation in connection with a contract.

Retention of Records

We will keep Personal Information only as long as it is necessary, including for the purposes of updating the product or services or as required by law. When the Personal Information is no longer required, it will be destroyed either by shredding or other approved destruction methods to prevent unauthorized parties from gaining access to the information during and after the process.

We Will Safeguard Information in Our Custody

We have developed and will maintain security procedures to safeguard Personal Information against loss, theft, copying, and unauthorized disclosure, use or modification. Access to Personal Information is restricted to employees and authorized service providers who need it to perform their work. While Cain & Osborne endeavours to protect all information, the most sensitive information, such as medical information, receives the highest level of protection.

We Will Provide You Access to Your File

You have the right to be informed of the nature and source of Personal Information that Cain & Osborne has on its records concerning you.

Should you wish to receive a copy of the documents Cain & Osborne has on its records, minimal reproduction and handling fees may be asked. You will be informed of the charge before the documents are reproduced.

Personal medical information will be made available only through a physician designated by you.

You also have the right to request the correction of inaccurate, incomplete or obsolete information in your file. If demonstrated to our satisfaction that the information held in our record is inaccurate or incomplete, we will make the necessary changes.

Any request to access or correct information held in our records should be made in writing to:

The Privacy Officers,
Cain & Osborne and Contact Info

Lynn Cain, FPA, EPC

Cain & Osborne Associates
2635 Watermusic Bay Crescent
Ontario  K2J 0T4

If you are not satisfied as to how we have handled your personal information . . . .

You may register a Privacy related complaint by contacting The Privacy Officer, Cain & Osborne and contact info.

We will explain our complaints handling procedure and inform you of other complaint procedures that may be available to you.

If a complaint is justified, we will take appropriate action to resolve the situation and if necessary change our Policies, Procedures or Practices.

Financial Planner Jurisdictions


Lynn Cain is an independent life agent in the provinces of Ontario and Quebec. Mutual funds offered through Certika Investments Ltd., insurance through various life insurance companies.  The information on this website is not intended as financial advice without an assessment of your personal situation. Always consult a lawyer or accountant for detailed legal or tax advice.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the simplified prospectus before investing. Mutual funds are not guaranteed and are not covered by the Canadian Deposit Insurance Corporation or by any other government deposit insurer. 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. Fund values change frequently and past Performance may not be repeated. If you are not a resident of Ontario, you are welcome to visit our Web site; however, this Web site and the products and services described herein were developed and are intended exclusively for Ontario residents. The information contained on this site does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

Information on Terms of Use

Acceptance of Terms of Use

This Cain & Osborne website (“Site”) is provided to you subject to your compliance with the following Terms of Use (“TOU”). Cain & Osborne reserves the right to update the TOU at any time without notice to you. The most current version of the TOU can be reviewed by clicking on the “Legal Disclaimer” hypertext link located at the bottom of our web pages.

Description of Services

Through the Site, Cain & Osborne provides you with access to a variety of resources, (collectively “Services”). The Services, including any updates, enhancements, new features, and/or the addition of any new content, are subject to the TOU.

Ownership of Content

The Services and the materials used and displayed on the Site, including but not limited to text, software, photographs, graphics, illustrations, artwork, video, music, sound, names, logos and trademarks (unless specified on the website) are the property of Cain & Osborne or its licensors and are protected by copyright, trademark and other laws. Any such content may be displayed solely for your personal, non-commercial use and you agree not to modify, reproduce, retransmit, distribute, disseminate, sell, publish, license, broadcast or circulate any such Services or material without the prior written permission of Cain & Osborne.

Notice Specific to Documents Available on This Website

Permission to use Documents (such as articles, press releases, datasheets and FAQs) is granted, provided that (1) the copyright notice below appears in all copies and that both the copyright notice and this permission notice appear, (2) use of such Documents is for informational and non-commercial or personal use only and will not be copied or posted on any network computer or broadcast in any media, and (3) no modifications of any Documents are made. Use for any other purpose is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.

Documents specified above do not include the design or layout of the Cain & Osborne website or any other Cain & Osborne owned, operated, licensed or controlled site. Elements of Cain & Osborne websites are protected by trade dress, trademark, unfair competition, and other laws and may not be copied or imitated in whole or in part. No logo, graphic, sound or image from any Cain & Osborne website may be copied or retransmitted unless expressly permitted by Cain & Osborne.


Your use of the site is at your own risk. To the maximum extent permitted by law, the site and any service, data and/or information associated with the site, are provided “as is” without representation, warranties or conditions of any kind, and Cain & Osborne and/or its respective suppliers hereby disclaim all representations, warranties and conditions, whether express, implied or statutory, including all warranties and conditions of merchantability or merchantable quality, fitness for a particular purpose, title and non-infringement.

Limitation of Liability

To the maximum extent permitted by law, in no event shall Cain & Osborne be liable for any direct, indirect, general, punitive, incidental, special or consequential damages, whether foreseeable or

unforeseeable, based on claims (including but not limited to claims for damages for loss of profits or loss of business opportunities, delay or inability to use the site, the provision of or failure to provide services, mistakes, omissions, interruptions, deletion or corruption of files, errors, defects, delays in preparations or transmissions) arising out of or in any way connected with the use of the site, including the use or performance of the services, whether based in contract, tort, strict liability or otherwise, even if advised of the possibility of such damages.

The documents and related graphics published on the site could include technical inaccuracies or typographical errors. Changes are periodically added to the information herein. Cain & Osborne and/or its respective suppliers may make improvements and/or changes in the product(s) and/or the program(s) described herein at any time. To the maximum extent permitted by law, Cain & Osborne is not responsible or liable for the suitability, accuracy, validity or reliability of the site for any purpose.

No Unlawful or Prohibited Use

As a condition of your use of the website, you will not use the website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the website in any manner that could damage, disable, overburden, or impair any Cain & Osborne server, or the network(s) connected to any Cain & Osborne server, or interfere with any other party’s use and enjoyment of any website. You may not attempt to gain unauthorized access to any Services, other accounts, computer systems or networks connected to any Cain & Osborne server or to any of the Services, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Services.

Links to Third Party Sites

There may be links in this site that will let you leave Cain & Osborne site. The linked sites are not under the control of Cain & Osborne and Cain & Osborne is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites and if you choose to access any such site, you do so entirely at your own risk Cain & Osborne is not responsible for webcasting or any other form of transmission received from any linked site. Cain & Osborne is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Cain & Osborne of the site.

Unsolicited Idea Submission Policy

Cain & Osborne or any of its employees do not accept or consider unsolicited ideas, including ideas for new advertising campaigns, new promotions, new products or technologies, processes, materials, marketing plans or new product names. Please do not send any original creative artwork, samples, demos, or other works. The sole purpose of this policy is to avoid potential misunderstandings or disputes when Cain & Osborne products or marketing strategies might seem similar to ideas submitted to Cain & Osborne. So, please do not send your unsolicited ideas to Cain & Osborne  or anyone at Cain & Osborne. If, despite our request that you not send us your ideas and materials, you still send them, please understand that Cain & Osborne makes no assurances that your ideas and materials will be treated as confidential or proprietary.

General Provisions

This TOU, including any documents referenced herein, constitutes the entire agreement between Cain & Osborne and you pertaining to the

subject matter hereof and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Cain & Osborne with respect to this Site. A printed version of this TOU and of any notice given in electronic form shall be advisable in judicial or administrative proceedings based upon or relating to this TOU to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. Cain & Osborne failure to insist upon or enforce strict performance of any provision of this TOU shall not be construed as a waiver of any provisions or right. If any of the provisions contained in this Agreement are determined to be void, invalid or otherwise unenforceable by a court of competent jurisdiction, such determination shall not affect the remaining provisions contained herein. This TOU shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein.

The parties confirm that it is their wish that this TOU and any related documents be drawn up in the English language only. Les signataires confirment leur volonté que la présente convention, de même que tous les documents s’y rattachant, y compris tout avis, annexe et autorisation, soient rédigés en anglais seulement.