You’ve opted in to our cash back offer!

1. Offer Overview

The Funding Offer (the “Offer”) is sponsored by Qtrade Direct Investing, a division of Aviso Financial Inc. (“Qtrade”, “we”, “us” or “our”). In these Terms and Conditions, “you” and “your” mean the eligible client participating in the Offer. The Offer runs until December 31, 2026 (the “Offer Period”) and is subject to the qualification requirements set out below.

2. The Offer

Fund your existing Qtrade account with at least $1,000 in Net New Deposits and you may be eligible for a $100 cash back bonus (the “Cashback Bonus”).

3. Qualification

3.1 How to Qualify

To be eligible for the Offer, you must, at the time of opt-in and at the time the Cashback Bonus is paid: (a) be a legal resident of Canada; (b) be the age of majority or older in your province or territory of residence; (c) have received the Offer email directly from Qtrade (the Offer is non-transferable); and (d) have all of your Qtrade accounts in good standing. You must also complete each of the following steps:

• Opt in by clicking the OPT-IN button in the Offer email during the Offer Period.
• Deposit at least $1,000 in Net New Deposits (as defined in Section 3.3) into your Qualifying Account(s) (as defined in Section 3.2) by 11:59 p.m. ET on December 31, 2026. Deposits made before you opt in will not count towards the Offer.
• Maintain at least $1,000 in Net New Deposits in your Qualifying Account(s) through July 31, 2027 (the “Hold Period”). If your Net New Deposits fall below $1,000 at any time during the Hold Period, you will not be eligible for the Cashback Bonus.
• The Cashback Bonus of $100 will be paid to your applicable Qualifying Account on or about August 31, 2027.

3.2 Qualifying Accounts

To qualify, you must deposit the Net New Deposits into one or more of the following account types (each, a “Qualifying Account”): Cash or Margin (individual or joint); RRSP; RRIF; Spousal RRSP; Spousal RRIF; TFSA; FHSA (each in CAD or USD, with CAD and USD versions treated as separate accounts); RESP; LIRA; or LRSP. Delivery Against Payment (DAP) and corporate accounts are ineligible.

Limit of one (1) Cashback Bonus per eligible client (a joint account is treated as one client). If you deposit into multiple Qualifying Accounts, Net New Deposits will be calculated on the total Net New Deposits across all Qualifying Accounts funded. Net New Deposits made in USD will be converted to CAD at for the purpose of determining the $1,000 threshold.

In the case of a spousal account or joint account, only the primary account holder will be entitled to receive a Cashback Bonus.

3.3 Net New Deposits

“Net New Deposits” means cash and/or securities deposited or transferred into a Qualifying Account from an account held outside Qtrade and its affiliates, less any withdrawals or transfers out. Transfers between Qtrade accounts, promotional or referral credits, Cashback Bonuses and Transfer Fee Credits (as defined in Section 4) are not Net New Deposits. Net New Deposits also exclude restricted securities, securities subject to a cease trade order, and unlisted securities without independent evidence of current value acceptable to Qtrade.

3.4 Cashback Payment

The Cashback Bonus will be paid to the primary account holder’s Qualifying Account on or about August 31, 2027. Where multiple Qualifying Accounts were funded, the Cashback Bonus will be paid in the following order: (1) cash accounts; (2) margin accounts; and (3) registered accounts. Where more than one account of the same type was funded, the Cashback Bonus will be paid to the CAD account that received the largest Net New Deposit amount.

4. General Conditions

You are solely responsible for any loss, damage, or tax consequences associated with this Offer, including the transfer of assets into, and the payment of any Cashback Bonus to, your Qualifying Account. Except for Transfer Fee Credits, all dollar amounts in this Offer are in Canadian dollars. Transfer-in fees charged by another Canadian broker or financial institution will be credited to your Qualifying Account in the currency of the transfer (CAD or USD), up to $150 per client where a single transfer is $15,000 or more, subject to receipt of supporting documentation (each, a “Transfer Fee Credit”).

Qtrade may, in its sole and absolute discretion and to the extent permitted by law, modify, suspend, limit or revoke this Offer or these Terms and Conditions, or disqualify any person or account, at any time without notice. Qtrade’s decisions on all matters relating to the Offer are final, to the extent permitted by law.

You may opt out of the Offer at any time by notifying us at 1.877.787.2330 or directinvesting@qtrade.ca, in which case any Cashback Bonus payable pursuant to the Offer will be cancelled.

4.1 Financial Decision Disclaimer

The Offer is not intended to influence or replace your own financial decisions. You should seek professional advice where appropriate.