ESDC SDE 0093-B (2018-01) E
ANNEX B - PCG/Parent
Page 3 of 3
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Employment and
Social Development Canada
Emploi et
Développement social Canada
Your privacy rights
B-6
This section explains why
your information is
collected and how it is
used, shared and
protected. It also explains
how you can access your
personal information.
The personal information you provide is collected under the authority of the Department of Employment and Social
Development Act, the Canada Education Savings Act and the Income Tax Act for the administration of education
savings incentives. The SIN is collected under the authority of the Canada Education Savings Act and in accordance
with the Treasury Board Secretariat's Directive on Social Insurance Number. The beneficiary's SIN is used as the
primary identifier, and the primary caregiver's SIN, or the SIN of their spouse, is used to assess eligibility for the
Additional CESG and the CLB.
You are not obligated to provide any personal information. However, refusal to provide personal information will result in
ESDC being unable to pay the CESG and the CLB to the trustee in respect of the RESP beneficiary.
The personal information you provide may be used by and shared between the following parties for the administration of
the Canada Education Savings Act and the Income Tax Act: ESDC, the CRA, provincial governments where provincial
savings incentives are delivered through ESDC, the RESP provider and its agents, the trustee, and between RESP
providers when transferring RESP assets.
Information may be shared with a third party contracted by ESDC for direct mailings. Information may also be used for
policy analysis, research, statistical and/or evaluation purposes. Information may also be disclosed to Statistics Canada
for research and statistical purposes. However, these additional uses will never result in an administrative decision
being made about you.
Once under the control of ESDC, the information is administered in accordance with the Department of Employment
and Social Development Act, the Canada Education Savings Act, the Privacy Act and all other applicable laws.
You have the right to the protection of, and access to, your personal information. The personal information banks ESDC
PPU 506 and ESDC PPU 390 describe the types of information held by ESDC for the administration of education
savings incentives by the CESP. Instructions for obtaining this information are outlined in the government publication
entitled Info Source, which is available at Canada.ca/infosource-ESDC
. Info Source may also be accessed online at any
Service Canada Centre.
You have the right to file a complaint with the Privacy Commissioner of Canada regarding the institution's handling of
your personal information. Additional information is available at www.priv.gc.ca/en.
B-7
Definitions
These definitions are
provided for your
information only and do
not constitute the legal
definitions. In the event of
a discrepancy, the legal
definitions found in the
Income Tax Act and the
Canada Education
Savings Act shall prevail.
Adjusted income: The adjusted income of a beneficiary's individual primary caregiver is determined by adding together
the net income (line 236 of the income tax and benefit return) for the primary caregiver and his or her cohabiting spouse
or common-law partner (if applicable) and adjusting this family net income by deducting any universal child care benefit
(UCCB) and registered disability savings plan (RDSP) payments received and adding any UCCB and RDSP amounts
repaid.
Canada Education Savings Grant (CESG):
Canada Learning Bond (CLB): $500 paid into an RESP for an eligible beneficiary born after December 31, 2003. An
eligible beneficiary could also receive $100 every year until he or she turns 15 years old for a maximum of $2,000.
Effective July 1, 2017, eligibility for the CLB is based, in part, on the number of qualified children and the adjusted
income of the individual primary caregiver, as outlined in the Canada Education Savings Act. For years prior to July 1,
2016, a beneficiary was eligible for the CLB if the individual primary caregiver was in receipt of the National Child
Benefit Supplement (NCBS) for the beneficiary. From July 1, 2016, to June 30, 2017, a beneficiary was eligible for the
CLB if the individual primary caregiver would have otherwise been in receipt of the NCBS for the beneficiary, had it
continued to be paid for that period.
Custodial parent/legal guardian: Individual, department, agency or institution that has the responsibility of taking care
of the child and the legal right to make decisions affecting the child's interests.
Primary caregiver: Individual who is primarily responsible for the care of the child and is eligible for the CCB, and
whose name appears on the CCB payments and notice. For more information, contact the CCB call centre at:
1 800 387-1193.
Public primary caregiver: Department, agency or institution that receives the allowance payable under the
Children's Special Allowances Act.
RESP provider (also called promoter): Individual or organization offering an RESP to the public and who will open an
RESP for the subscriber.
Spouse: Cohabiting spouse or common-law partner of the primary caregiver, consistent with the meaning assigned in
section 122.6 of the Income Tax Act, who has not been separated from the primary caregiver for more than 90 days
because of a breakdown in the relationship.
Subscriber: Individual or child care agency, who opens an RESP, names one or more beneficiaries and may deposit
money (contributions) into the RESP.
Trustee: Financial organization that invests, administers, and distributes the money in the RESP for the beneficiary.
• Additional CESG is an additional amount of either 10% or 20% on the first $500 of annual RESP contributions made
on or after January 1, 2005, on behalf of an eligible beneficiary, up until the end of the calendar year in which the
beneficiary turns 17 years old. The amount of Additional CESG that a beneficiary can receive depends on the adjusted
income of the beneficiary's primary caregiver.
• A payment of 20% on the first $2,500 of annual RESP contributions made on behalf of an eligible beneficiary, up until
the end of the calendar year in which he or she turns 17.
