Terms and Conditions & Privacy Policy

Terms of Use


ICPM’s website is provided as a convenient source of information about the ICPM and its activities. ICPM makes no representation that any material contained on its website is appropriate for any use in any jurisdiction. Wherever you choose to access ICPM’s website, you are responsible for compliance with all applicable local laws.

These Terms of Use were written in English. To the extent any translated version of these Terms of Use conflicts with the English version, the English version controls.

These Terms of Use govern your use of ICPM’s website; by using ICPM’s website, you accept these Terms of Use in full. These terms of use can be changed at any time without notice. Users of this website agree to review these Terms of Use regularly and continued access or use of this website will mean that the user agrees to any changes. If you do not agree with these Terms of Use, you must not use ICPM’s website.
Unless otherwise stated, ICPM and/or its licensors own the intellectual property rights in this website and material on this website. Subject to the license below, all these intellectual property rights are reserved.
 You must not:
• republish material from ICPM’s website (including republication on another website);
 • sell, rent or sub-license material from this website;
 • show any material from this website in public;
 • reproduce, duplicate, copy or otherwise exploit material on ICPM’s website for a commercial purpose.
ICPM’s website is provided “as is” without any representations or warranties, express or implied. ICPM makes no representations or warranties in relation to ICPM’s website or the information and materials provided on ICPM’s website.

 Without limiting the generality of the foregoing paragraph, ICPM does not warrant that ICPM’s website will be constantly available, or available at all.
 You may view, download for caching purposes only, and print content from this website for your own personal use, subject to the restrictions set out below and elsewhere in these Terms of Use.
Accuracy of Information

While ICPM attempts to maintain its website current and accurate, information on ICPM’s website can change anytime and ICPM cannot guarantee the completeness, currency or accuracy of any or all information. ICPM’s website is not intended to provide any specific financial, legal, investment or tax advice. As a visitor to ICPM’s website, you acknowledge and agree that any reliance and use of ICPM’s website shall be at your own risk, and that ICPM does not accept responsibility for any use made of the website, including any damages that may be suffered if you transmit confidential or sensitive information through the website or if the website communicates such information to you through use of the website or at your request over the Internet.
 Links to other sites not operated by ICPM are provided as references or tools to help visitors identify, locate or use resources of interest. The links and resources should not be construed as approval, recommendation or endorsement by ICPM of the services, products or information provided on the linked sites. ICPM assumes no liability or responsibility for the content, accuracy, failure to operate or appropriateness of the links or of any material contained on the linked sites.
 ICPM’s website and related online materials contain proprietary information including, but not limited to, text, images, logos, icons videos, data, designs, software and graphics protected by intellectual property rights and owned by ICPM or other entities, and all rights therein are reserved by their respective owners. You may only use ICPM’s website and the material available on ICPM’s website strictly for your personal and non-commercial purposes, including printing materials and displaying the website and materials on your computer or mobile device. Except for such limited use rights, no part of ICPM’s website may be reproduced in whole or in part, stored in any medium, transmitted in any form or by any means, re-published, exploited, re-distributed or publicly shown, or used to create derivative works without the prior written permission of ICPM. Any permitted use of the materials on ICPM’s website is subject to ensuring that any copyright, trademark or other proprietary notices remain on materials and/or is used with the materials. Any unauthorized use or modification may result in misappropriation or infringement of intellectual property and other proprietary rights.
In addition, ICPM’s website may contain trademarks, logos and links to websites of third parties. Any domain names, URLs, trademarks or logos appearing on ICPM’s website or in its content not belonging to ICPM are the sole property of their respective owners.
 Cookies and Web Beacons
ICPM’s website may employ Cookies and Web Beacons or other similar technologies to evaluate the performance, functionality and use of the website. This information may include the pages visited, the type of web browser used, the level of encryption supported by the browser, as well as users’ Internet Protocol (IP) addresses. ICPM may also use such technologies to collect information about online activities and preferences. Examples include, but are not limited to, web pages visited, length of visits, and successful downloads. This information may be used together with other information to: help ICPM better understand user interests, preferences and needs; provide users with a customized online experience; and present new tools and website functions. (Cookies are a string of data sent between a server and a web browser to help facilitate the use of a website and to help understand how a website is being used. Cookies are not used to retrieve any data from a hard drive, nor can they run a program on a computer. Web Beacons are small and transparent images embedded in web pages that, when combined with Cookies, help provide a website operator with information about the use and effectiveness of a website. Most of the Cookies used by ICPM are considered “session” Cookies, meaning they are not written to your hard drive and are only available for the duration of the session (i.e., log out or close your browser).
 Disabling Cookies
Cookies are a commonly used technology and many web browsers default to automatically accept Cookies. You can set your Internet browser to notify you before a Cookie is set, providing you the opportunity to decide whether to accept it. If you decide that you do not wish to receive Cookies, refer to your browser’s online help manual for further instructions and information on setting Cookie preferences. You can also set your browser to immediately reject Cookies. If you select this option, you may continue to browse ICPM’s website; however, you should be aware that certain features of the website may not function properly without Cookies. You should note that if you are a member of ICPM and would like to use areas of the website reserved for ICPM members, you may be required to accept Cookies in order to maintain session integrity and enhanced security.
 Secured ICPM Members Areas
ICPM’s website includes areas that are for members of ICPM only, the use of which are reserved for members of ICPM. Through such areas, ICPM members can access member-specific services and information, and members should take care to maintain the secrecy of their passwords and login information for this access. In delivering these ICPM-related services and information, the secured ICPM member areas may collect and use personal information from members, including to communicate information about ICPM to members, develop services for members, assess quality of services provided, and to comply with applicable laws. You should note that if you are a member of ICPM and would like to use areas of the website reserved for ICPM members, you will be required to accept Cookies in order to maintain session integrity and enhanced security.


This website, these Terms of Use and the Privacy Policy are governed and construed in accordance with the laws of the Province of Ontario, Canada and by using this website you hereby submit to the non-exclusive jurisdiction of the courts of the Province of Ontario.

Privacy Policy

This Privacy Policy (this “Policy”) explains how the International Centre for Pension Management (“ICPM”) handles personal information. This Policy forms part of the Terms of Use for ICPM’s website. This Policy does not supersede any country laws where ICPM operates. 

Any concerns that you have regarding your personal information with ICPM may be addressed to its Corporate Privacy Officer, who is responsible for promoting compliance with this Policy.
Contact Us

If you have any questions about this Privacy Policy or concerns regarding your personal information with ICPM, please contact our Corporate Privacy Officer at icpm@icpmnetwork.com.


ICPM is committed to protecting the privacy of individuals who are or represent members and other stakeholders.

During the course of its various activities, ICPM may gather and use personal information. This information may be obtained directly from you or collected from third parties that have the right to disclose this information to ICPM. This Policy regarding how personal information collected, used, disclosed, or retained by ICPM reflects the principles set forth in Canada’s Personal Information Protection and Electronic Documents Act.

Please note that ICPM reserves the right to update or change this Policy at any time. ICPM will notify you of any changes by posting an updated Policy on this website. The most current version of this Policy will govern ICPM’s use of your personal information. By continuing to access ICPM’s website after changes are made to this Policy, you agree to be bound by the revised terms. 


By providing ICPM with your personal information through its website or any of its forms, you consent to the collection, use, and disclosure of such information in accordance with this Policy or for the purposes identified to you at the time you provided the personal information. Any secondary use of the personal information will only be processed with your express consent, except as required by law. 

You have the opportunity to withdraw your consent, or to opt-out at any time. If you wish to withdraw your consent or to opt-out at any time, including to remove yourself from its email/mailing list, please contact ICPM. 

Information ICPM Collects

ICPM collects and processes personal information in accordance with this Policy. ICPM will not sell, share, or rent this information to others, except as accounted for in this Policy. 

Why ICPM Collects Your Information

ICPM collects information for the following purposes:

  1. to develop and improve ICPM’s research, education, and thought leadership programs, and events where ICPM’s members can securely exchange knowledge and network; 
  2. to provide ICPM members with the resources for which they subscribe;
  3. to respond to communications from, or to send information to, individuals who are or represent members and other stakeholders and from or to website users, which information may include, but is not limited to:
    1. educational resources;
    2. newsletter updates; and
    3. inquiries about membership and other opportunities with ICPM. 

You may, at any time, choose to opt-out of receiving communications by clicking the unsubscribe button at the bottom of each email sent from ICPM to you, or contact icpm@icpmnetwork.com.

Use and Disclosure of Personal Information

Personal information submitted to ICPM, including through ICPM’s website or a prescribed form, is kept confidential unless disclosed in accordance with your express consent or legal requirements. In any event, any personal information provided on any ICPM platform by a member or user is voluntary, and any personal information provided by a member or user is submitted at their discretion. Please note that revoking your consent may result in not being able to access or utilize certain ICPM programs or features of its website.  

ICPM may use third parties and outside service providers with respect to its website and services. To the extent that any personal information is provided to these outside parties, ICPM requires that the provider be bound by obligations consistent with this Policy and that such providers only collect, use, or disclose personal information of individuals who are or represent members and other stakeholders and website users for the purposes of providing aspects of ICPM programs or features of its website. 

ICPM reserves the right to contact any individual who is or represents a member or another stakeholder or who is a website user at any time to provide relevant ICPM updates, forward information, respond to questions, or provide notification of any changes to its programs or its policies. 

ICPM will disclose personal information only if consent is given by the relevant individual or:

  1. when permitted or required by law, such as in response to a subpoena or other legal process;
  2. to a transferee of all or part of ICPM; 
  3. to ICPM’s service providers in accordance with this Policy; or
  4. to meet legal obligations, including but not limited to regulatory reporting obligations.

Security and Retention

ICPM employs reasonable industry safeguards which are intended to protect its systems against unauthorized use and access to personal information. It is important to remember that no method of transmitting or storing data is completely secure. Mail, voice communications, faxes, and data transmissions over the Internet are all susceptible to possible loss, misrouting, interception, and misuse of the information being communicated or transmitted.

ICPM only retains personal information for as long as it is necessary for the purposes for which it was collected. When personal information is no longer required for these purposes, it is securely destroyed or deleted.

End of Policy