Legal Disclosure Library

Legal Disclosures for Clients Migrated in 2024

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

Personal Banking

Accounts

PDFs
PDF Links
Personal Deposit Accounts (PDA) Disclosures and Agreements
Addendum to Personal Deposit Accounts Disclosures and Agreements
Client Card Agreement
Canadian Deposit Insurance Corporation (CDIC) Protecting Your Deposits
Hold Policy: Accessing Funds from Cheques and other Negotiable Items
Personal Accounts Interest Rates
Value Program Terms & Conditions
Avion Rewards Terms & Conditions

Credit Cards

PDFs
PDF Links
RBC Royal Bank Credit Card Agreement
Value Program Terms & Conditions
Avion Rewards Terms & Conditions
Electronic Access Agreement
Sign-in Terms and Conditions

RBC Avion Visa Infinite Privilege for Private Banking

PDFs
PDF Links
Certificate of Insurance
Insurance Product Summary
Avion Rewards Terms & Conditions
Electronic Access Agreement
Sign-in Terms and Conditions

RBC Avion Visa Infinite

PDFs
PDF Links
Certificate of Insurance
Insurance Product Summary
Avion Rewards Terms & Conditions
Electronic Access Agreement
Sign-in Terms and Conditions

RBC Cash Back Mastercard

PDFs
PDF Links
Certificate of Insurance
Insurance Product Summary
RBC Royal Bank Cash Back Program Terms & Conditions

RBC ION Visa

PDFs
PDF Links
Certificate of Insurance
Insurance Product Summary

RBC Rewards Visa Preferred

PDFs
PDF Links
Certificate of Insurance
Insurance Product Summary

Signature RBC Rewards Visa

PDFs
PDF Links
Certificate of Insurance
Insurance Product Summary

RBC Visa Platinum

PDFs
PDF Links
Certificate of Insurance
Insurance Product Summary

Mortgages

PDFs
PDF Links
Value Program Terms & Conditions

Amendments to Creditor Insurance on Personal Mortgages

PDFs
PDF Links
Certificate 6115 for applications between December 1991 and July 1995
Certificate 6114 or 1019015 for applications between July 1995 and September 1999
Certificate 1019025 or 1019026 for applications between September 1999 and December 2002
Certificate 1849 for applications between December 2002 and January 21, 2005
Certificate 1019073 for applications between January 24, 2005 and November 16, 2012
Certificate 1019108 for applications on or after November 19, 2012

Credit & Lending

Amendments to Creditor Insurance on Personal Lines of Credit

PDFs
PDF Links
Amendments (Prior to 1993)
Amendments (between April 1995 and June 1999)
Amendments (between June 1999 and January 21, 2005)
Amendments (between January 24, 2005 and November 16, 2012)
Amendments (on or after November 19, 2012)
HFMI

Investments

PDFs
PDF Links
Royal Mutual Funds Inc. Account Agreement and Regulatory Disclosure Document
Value Program Terms & Conditions
Tax-Free Savings Account: Trust Agreement
Family Education Savings Plan: Plan Text
RESP Individual Plan
Retirement Income Fund Declaration of Trust
RRSP Declaration of Trust
Disability Savings Plan Trust Agreement
Canadian Deposit Insurance Corporation (CDIC) Protecting Your Deposits
Guaranteed Investment Certificate (GIC)
Additional Terms and Conditions for RRSP and RRIF Term Deposits
LRIF - Newfoundland & Labrador - Addendum
LRSP - Federal Addendum
RLIF - Federal Addendum
RLSP - Federal Addendum
PRIF - Manitoba Addendum
PRIF - Saskatchewan Addendum
Learn about RBC Investment Advantage
Learn more about Investments
Important information for certain investment accounts held at HSBC Investment Funds Canada Inc.

Life Income Fund Addendum

PDFs
PDF Links
Alberta
British Columbia
Federal
Manitoba
New Brunswick
Newfoundland & Labrador
Nova Scotia
Ontario
Quebec

Locked-in Retirement Account Addendum

PDFs
PDF Links
Alberta
British Columbia
Manitoba
New Brunswick
Newfoundland & Labrador
Nova Scotia
Ontario
Quebec
Saskatchewan

Pre-Authorized Contribution (PAC) Frequency Payment Schedule

PDFs
PDF Links
Royal Mutual Funds Inc.
RBC Royal Bank
RBC Dominion Securities

Systematic Withdrawals (SWP) Frequency Payment Schedule

PDFs
PDF Links
Royal Mutual Funds Inc
RBC Dominion Securities

Registered Retirement Income Fund Payment Frequency

PDFs
PDF Links
Royal Mutual Funds Inc
RBC Royal Bank
RBC Dominion Securities

Direct Investing

PDFs
PDF Links
Retirement Savings Plan Declaration of Trust
Retirement Income Fund Declaration of Trust
Conflicts of Interest Disclosure/RBC Investing Inc. Operation of Account Agreement and Supporting Disclosures
Education Savings Plan (Family Plan)
Education Savings Plan (Individual Plan)
Tax-Free Savings Account Trust Agreement
Pre-Authorized Contribution (PAC) Frequency Payment Schedule (RBC Direct Investing)

RBC Indigo Asset Management Inc.

PDFs
PDF Links
Learn more about RBC Indigo Asset Management Inc.

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