†† TD Direct Investing 2024-2025 Winter Offer (the “Offer”)
New and existing TD Direct Investing clients can earn 1% cash back on cumulative eligible transfers for a Cash back Award (the "Award") and Bonus Award (as outlined below). This "Offer" is available starting November 1, 2024 and ends on January 31, 2025 ("Qualifying Period").
Eligibility: New and existing TD Direct Investing clients are eligible for the Offer.
Eligible "Account(s)" for the Offer:
- Cash (single or joint account holder)
- Margin (single or joint account holder)
- Tax-Free Savings Account (single account holder) (TFSA) 1
- Registered Retirement Savings Plan (single account holder) (RRSP)1
- Corporate Account
Account(s) not eligible for the Offer:
- Any non-personal accounts other than corporate (i.e. Trusts, Estates, Investment Clubs)
- Locked-in registered
- Registered Education Savings Plans (RESPs)2
- Retirement Income Funds (RIFs)2
- Registered Disability Savings Plan (RDSP) 2
To be eligible for the Offer, a client must:
- Be a new or existing TD Direct Investing or TD Easy Trade™ client, with Account(s) in good standing at the time of participating in the Offer.
- Be the age of majority in their province or territory by January 31, 2025.
- Be a legal resident of Canada.
- Meet the requirements below.
How to Qualify for the Offer:
1. Register for the Offer:
a. New Clients: Open a new Account(s) using the promo code GOALSNOW or OBJECTIFSMAINT by January 31, 2025.
- If an Account is opened in branch or over the phone, clients must request that a TD Representative register the client for the Offer using the promo code.
b. Existing Clients: Register for the Offer using the registration form by January 31, 2025.
- If an existing client chooses to open a new Account(s) for the Offer, the client can use the promo code GOALSNOW or OBJECTIFSMAINT to enroll in the Offer.
- If a client wishes to enroll multiple Accounts in the Offer, clients can insert multiple Account numbers on the registration form.
2. Transfer $10,000 or more in investable assets or cash from another Canadian financial institution(s) ("Qualifying Assets") to the new or existing eligible Account(s) by February 28, 2025:
a. Cash transfers into a TD Direct Investing Account from a TD Canada Trust (TDCT) account will be considered Qualifying Assets if the cash originated from a Canadian financial institution not associated with TD Bank Group and was deposited into the TDCT account on or after November 1, 2023.
b. Transfers originating from TD Direct Investing, TD Easy Trade, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Wealth Management, TD Wealth Private Investment Advice, TD Wealth Private Trust and TD Wealth Private Investment Counsel accounts are not included in the Qualifying Assets.
c. Transfers of mutual funds or Guaranteed Investment Certificates originating from TDCT accounts are not included in the Qualifying Assets.
3. Each client must maintain the Qualifying Assets in their eligible Account(s) for 12 months ("Holding Period") after the Funding Deadline.
a. Qualifying Assets withdrawn, deregistered, or transferred out from an Account(s) before the Holding Period ends, will be subtracted from the value of Qualifying Assets.
b. If the Qualifying Assets fall below $10,000 at the end of the Holding Period, no Award will be granted to the client.
c. Assets transferred into the Account(s) after the Holding Period will not form part of the Qualifying Assets
Cash back Award Details:
- Clients are eligible to receive 1% cash back on the cumulative Qualifying Assets when they qualify for the Offer.
- The market value of investable assets at the time of deposit will be used to determine the Cash back Award.
- The Award will be calculated on the net deposit volume of Qualifying Assets in the enrolled Account(s) between November 1, 2024, and February 28, 2026.
- Any withdrawals that occur within the dates of November 1, 2024 and February 28, 2026, will be subtracted from the total deposits.
- The maximum Award a client can receive is $10,000.
- Where the client's Qualifying Assets are transferred to only one new or existing Account (whether single, joint or corporate), the Award will be deposited into that Account. Where a client has enrolled multiple Accounts (whether new or existing), that qualify for the Cash Back Award, the Award will be divided and deposited to each Account in proportion to the value of Qualifying Assets transferred into each Account.
Terms of Cash back Award Payment:
- Funding Deadline: February 28, 2025
- Holding Period: February 28, 2026
- Cash Payout: March 31, 2026
Bonus Award Details:
Clients are eligible to receive the one-time Bonus Award of a $50 Amazon.ca Gift Card when they complete the following actions:
1. Qualify for the Cash back Award described above.
2. Fund the Account with $10,000+ within 30 days of registering in the Offer.
3. Hold the Qualifying Assets in the Account until the corresponding Holding Period.
Example: a client would be eligible for the $50 Amazon.ca Gift Card if an Account is open on November 1, 2024, funded with $10,000+ on November 15, 2024, and Qualifying Assets are held until February 28, 2026.
Clients eligible for the Bonus Award will be awarded a $50 Amazon.ca Gift Card through the email provided with their TD Direct Investing Account. A link to retrieve the Amazon.ca Gift Card will be sent through email by March 31, 2026. The client is responsible for ensuring they have notified TD Direct Investing if their email address has changed.
The Amazon.ca Gift Card is subject to the restrictions set out in the terms and conditions available at: amazon.ca/gc-legal
Clients requiring assistance to register or otherwise apply for this Offer should contact an Investment Representative at 1-800-465-5463 or ask for assistance at their TD Canada Trust branch.
Further Terms and Conditions:
- To receive the Award, a client must keep the Account in good standing until the Award payout date. This requires the Account to not go into a debit position or into a margin call. Debit positions on margin Accounts are acceptable.
- Employees of TD Bank Group are eligible for the Offer.
- This Offer may be changed, extended, or withdrawn at any time without notice.
- Clients must not have participated in any offers with TD Direct Investing in the last 12 months.
- The Offer cannot be used in with any other TD Direct Investing offer, except for the TD Direct Investing 40th Birthday Offer.
- The Offer is not transferrable.
- TD Direct Investing reserves the right to refuse the provision of any awards and benefits under this Offer if it determines you have violated the terms as set out above.
- Investable assets exclude any securities that are restricted, subject to a cease trade order or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
- Where a client transfers assets into multiple Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the Accounts.
- An Account that is a joint Account refers to the cash or margin Account that has more than one owner. The Award is paid in full into the joint Account and does not get allocated to each joint Account owner. TD Direct Investing is not responsible for how the payout is distributed amongst joint Account owners once the award is paid out.
- For members of the same household who open Accounts that include one or more joint Accounts, a single Award will be (a) calculated based on the total of Qualifying Assets deposited into the Accounts and (b) paid into the Accounts in proportion to the value of the Qualifying Assets deposited into each of the Accounts.
- Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of an Account(s). U.S. dollar balances will be converted into Canadian dollars to determine eligibility.
- There may be tax implications associated with the cash award. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash award is paid directly to the plan and is not considered a contribution.
- Interest, dividends, standard market fluctuations, and Account fees will be excluded from calculations used to determine if an Account qualifies for the awards.