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Last updated: July 18, 2023
The Toronto Transit Commission Pension Fund Society (hereinafter referred to as “us”, “we” and/or the “TTC Pension Plan”) welcomes you to our website at ttcpp.ca (the “Site”). The Site is intended to provide information about the pension funds that the TTC Pension Plan administers for employees of the Toronto Transit Commission (“TTC”), the Amalgamated Transit Union Local 113 (“ATU”) and the TTC Pension Plan.
Subject to applicable law, we reserve the right, in our sole and absolute discretion, to modify all or any portion of this Agreement at any time without incurring any liability or obligation whatsoever to you or any other person or entity. Any changes will become effective upon posting to the Site, along with the date on which it was most recently updated as indicated by the “Last Updated” date on this page. Your continued access to or use of the Site after any such changes indicates your acceptance of the Terms and Conditions of Use as modified. It is your responsibility to review the Terms and Conditions of Use regularly for updates.
You hereby acknowledge and agree that we reserve the right at any time to modify or discontinue the whole, or any part of, the Site, without notice, and that we will not be responsible or liable, directly or indirectly, to you or any other person or entity for any loss or damage of any kind incurred as a result of any such modifications or discontinuance.
Code of Conduct
Certain features and/or portions of this Site may (or may in the future) permit you to transmit content that you have created to the TTC Pension Plan (the “User Content”).
Our Intellectual Property Rights in the Site and its Content
The Site consists of various graphics, texts, icons and buttons that have been provided by the TTC Pension Plan and/or other entities under our direction (e.g. site designers). All such content is owned by the TTC Pension Plan and/or the applicable third party entity. For greater certainty, the TTC Pension Plan and applicable third party entities hold all right, title, and interest in and to any and all content provided by such parties for the Site, including, without limitation, all such information in text, graphical, video and audio formats, images, icons, designs, trade-marks, brand names and software (collectively, the “Site Content”).
You hereby acknowledge that the Site Content is protected by all copyright, trade-mark, and other applicable intellectual property laws. Your use of the Site does not grant or transfer to you any ownership or other rights in the Site Content, and except as expressly provided, nothing herein or within the Site shall be construed as conferring on you or any other person any license under any of the TTC Pension Plan’s or any third party’s intellectual property rights, including, without limitation, any right to download, display, reproduce, distribute, modify, edit, alter or enhance any of the Site Content in any manner whatsoever.
Certain names, graphics, logos, icons, designs, words, titles or phrases contained within the Site may constitute trade names, registered or unregistered trade-marks or service marks (collectively, “Trade-marks”) of the TTC Pension Plan or other entities. Trade-marks may be registered in Canada and in other countries as applicable. All Trade-marks not owned by the TTC Pension Plan are the property of their respective owners, and, where used by the TTC Pension Plan are used under license or with permission. All Trade-marks are and shall remain the sole and exclusive property of their respective owner(s). Any use of such Trade-marks, except as expressly provided for herein, without the express written consent of the applicable owner is strictly prohibited. Nothing contained herein or on this Site may be construed as granting, by implication, estoppel, or otherwise, any license to use any Trade-mark(s). You agree that you will not take any actions inconsistent with the TTC Pension Plan ownership of, or any third party’s ownership of, the Trade-marks.
You License your User Content to the TTC Pension Plan
Certain features and/or portions of this Site permit you to transmit User Content. By providing User Content, you are giving the TTC Pension Plan permission to forever use any User Content you submit on or through the Site.
By using the Site and providing User Content, you: (i) grant the TTC Pension Plan a world-wide, perpetual, irrevocable, transferable, sub-licensable, royalty-free, non-exclusive, and unrestricted license to copy, reproduce, adapt, transmit, edit, modify, or otherwise use, publicly display, distribute, translate and create compilations and derivative works from, any and all User Content (in any format or media) that you submit to or through, the Site; and (ii) waive all moral rights in and to all User Content that you post on, upload or otherwise submit to or through, the Site in favour of the TTC Pension Plan. For greater certainty, this means that, among other things, the TTC Pension Plan has the right to use any and all ideas you submit (including ideas about our plans, services, publications or campaigns) in any manner that we choose, without any notice or obligation to you whatsoever.
The Site contains or may in the future contain a tool that allows you to obtain an estimate of the pension that may be available to you as a TTC Pension Plan member based on the information you submit to the tool (“Pension Estimator Tool”). The Pension Estimator Tool is not a guarantee of eligibility for a pension, nor is it a guarantee of the amount of any pension that may be available. Instead, it provides an estimate for general informational purposes only. The Pension Estimator Tool is not tailored for your specific situation.
Any estimate provided by the Pension Estimator Tool is not official, binding, or a guarantee, and the actual amount of your pension may be different from the information provided by the Pension Estimator Tool- either higher or lower. You should speak to your financial advisor before making any decisions or taking any actions based on the information provided by the Pension Estimator Tool. The Pension Estimator Tool is not meant to provide financial advice, and the TTC Pension Plan is not responsible for any reliance you place on it.
Whether you qualify for a pension, and your actual pension amount will be determined by the TTC Pension Plan, in accordance with its bylaws, the information in its possession, and the applicable laws, once you retire. The TTC Pension Plan bylaws, information, and applicable laws will govern in the event of any conflict with the Pension Estimator Tool.
If you plan to retire within six (6) months, you may contact the TTC Pension Plan using the contact information below for a more formal estimate of your pension.
The Pension Estimator Tool uses information you provide to provide a pension estimate. For this purpose, it requests your:
As the Pension Estimator Tool uses the information you provide, if you provide inaccurate information, the results of the tool will be less accurate. However, even if the information you provide is accurate, it is important to understand that the TTC Pension Plan cannot and does not guarantee the results of accuracy of the Pension Estimator Tool, or the results it provides. Actual pension amounts can differ from estimates considerably, even if you provide accurate information. For example, estimates for pension value in the near term (e.g. under three years), or long term (e.g. more than 50 years), are more likely to be inaccurate. Further, factors such as your selected survivorship/guarantee options, your base year/survivor benefit date, the years maximum pensionable earnings, your actual earnings at retirement, and any of your future leaves of absence may affect your actual pension.
The Pension Estimator Tool does not store or record the information you enter, and the results it provides to you are not confirmed, stored or viewed by the TTC Pension Plan. However, to evaluate how the Pension Estimator Tool is used and potentially improve it, the TTC Pension Plan does receive the number of users of the tool, and whether users complete it.
The Pension Estimator Tool is intended for active members of the TTC Pension Plan. The Pension Estimator is not intended for the following members:
If you are in one of the membership classes listed above as not intended to use the Pension Estimator Tool, you may contact the TTC Pension Plan for an estimate should you wish.
Use of the Pension Estimator Tool is at your own risk. The TTC Pension plan does not provide, and hereby expressly disclaims, any representations or warranties or conditions of accuracy or suitability regarding the Pension Estimator Tool, including without limitation, the results and information obtained from the tool.
Indemnification by User
Notice of Infringing Content
We reserve the right, in our sole and absolute discretion, to modify, edit or remove any Site Content, if a complaint or notice of allegedly infringing materials is received with respect to the User Content, or for any other reason.
To complain about Site Content and/or to provide notice of allegedly infringing materials on the Site, please contact us using the contact information below.
Disclaimer and Limitation of Liability
TO THE EXTENT PERMITTED BY THE APPLICABLE LAW, THE SITE AND ALL INFORMATION CONTAINED ON OR ACCESSED FROM THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND WITHOUT ANY REPRESENTATIONS, WARRANTIES OR CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED. ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE ARE HEREBY DISCLAIMED TO THE FULLEST EXTENT PERMITTED BY LAW.
WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, THE RELEASEES MAKE NO REPRESENTATION OR WARRANTY THAT: (i) THE SITE WILL BE COMPATIBLE WITH YOUR COMPUTER AND SOFTWARE; (ii) THE SITE WILL BE AVAILABLE OR WILL FUNCTION WITHOUT INTERRUPTION OR ERROR; (iii) THE USE OF THE SITE, INCLUDING, WITHOUT LIMITATION, THE BROWSING AND DOWNLOADING OF ANY INFORMATION, WILL BE FREE OF ANY VIRUSES, TROJAN HORSES, WORMS OR OTHER DESTRUCTIVE, INTRUSIVE OR DISRUPTIVE COMPONENTS; (iv) THE TRANSMISSION OF INFORMATION TO AND FROM THE SITE WILL BE SECURE; (v) THE USE OF THE SITE WILL NOT INFRINGE THE RIGHTS (INCLUDING, WITHOUT LIMITATION, INTELLECTUAL PROPERTY RIGHTS) OF ANY PERSON; OR (vi) THE USE OF THE SITE WILL NOT CAUSE ANY DAMAGE TO YOUR COMPUTER SYSTEMS, DEVICES, SOFTWARE OR ELECTRONIC FILES.
THE RELEASEES WILL NOT UNDER ANY CIRCUMSTANCES BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DAMAGES WHATSOEVER ARISING FROM, CONNECTED WITH, OR RELATING TO THE SITE. YOU EXPRESSLY ACKNOWLEDGE THAT COMPANY HAS ENTERED INTO THIS AGREEMENT WITH YOU AND MAKES THE SITE AVAILABLE TO YOU, IN RELIANCE UPON THE LIMITATIONS AND EXCLUSIONS OF LIABILITY AND THE DISCLAIMERS SET FORTH HEREIN, AND THAT THE SAME FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND THE TTC PENSION FUND. YOU EXPRESSLY AGREE THAT THE LIMITATIONS AND EXCLUSIONS OF LIABILITY AND THE DISCLAIMERS SET FORTH HEREIN WILL SURVIVE, AND CONTINUE TO APPLY IN THE CASE OF A FUNDAMENTAL BREACH OR BREACHES, THE FAILURE OF ESSENTIAL PURPOSE OF CONTRACT, THE FAILURE OF ANY EXCLUSIVE REMEDY, OR TERMINATION OF THIS AGREEMENT.
The transmission of data or information over the internet or other forms of networks may not be secure, and is subject to possible loss, interception or alteration while in transit. The Releases do not assume any liability for any damage you may experience or costs you may incur as a result of any electronic transmissions over the internet or otherwise within the Site, such as transmissions involving the exchange of electronic messages of any kind (including those which may contain your personal information). Subject to applicable law, in no event will the information you provide on or through the Site be deemed to be confidential, create any fiduciary obligations to you on our part, or result in any liability to you on our part in the event that such information is inadvertently released by us or accessed by third parties without your consent. You should take reasonable and appropriate precautions to scan for computer viruses, and ensure compatibility of the software with your specific computer system. You should ensure that you have a complete and current backup of the information contained on your computer system prior to installing any such software.
Accuracy and Changes
TTC Pension Plan may make changes to any information or content on this Site or remove such information and content, at any time and without prior notice. Please consult the TTC Pension Plan for complete and up-to-date information on products and services. Unfortunately, there may sometimes be information on the Site that contains typographical errors, inaccuracies, or omissions, or that is out of date. We reserve the right, in our sole and absolute discretion, to correct any such errors, inaccuracies or omissions and to change or update information at any time.
Governing Law and Jurisdiction
These Terms, and all related matters shall be governed solely by the laws of the Province of Ontario, Canada and the applicable federal laws of Canada, and this agreement is deemed entered in Ontario, without regard to the conflicts of law provisions of any jurisdiction. You hereby irrevocably submit to the exclusive jurisdiction of the courts of the Province of Ontario in the City of Toronto in relation to all disputes arising from or related to this Agreement, and any related matters.
TTC Pension Plan
2 Bloor Street East, Suite 1901, PO Box 79
Toronto, Ontario M4W 1A8
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