I Am a Client

I want to create my Client Space account. How do I get started?

To sign up, you must be the subscriber or beneficiary of an RESP with Kaleido. Click on the MY CLIENT SPACE tab in the boxed section to get started.

You can register with or without your ID number. You will first need to create your user profile. Once you confirm your email address and select a security question, you will receive an email from Kaleido with an activation link. Click on this link to complete your registration.

How do I change my contact or banking information?

Simply log in to your Client Space; you can then edit your information.

I just received my child’s social insurance number (SIN). How do I send you this information?

The safest way to send us a SIN is through your Client Space. Create your account or sign in with the six-digit ID number provided when you opened your RESP. Once connected, you can add your child’s SIN in the “My Profile” section.

Where can I view my RESP account balance?

You can view your RESP account balance in real time via your Client Space under the “Balance” tab. Follow the growth of your savings in just a few clicksanytime, anywhere!

I’d like to make a change to my contract. Who do I talk to?

Please contact our Customer Service to make any of the following changes to your contract:

  • Change of subscriber
  • Change of beneficiary
  • Temporary interruption of contributions
  • Decrease in the amount of your contributions
  • Plan cancellation

Our team is there to listen and will provide all the details to ensure you make a well-informed decision.

What is an ID?

The ID refers to your personal six-digit identification number. Both the subscriber and the beneficiary are issued an ID number at the time the RESP is opened.

This number appears on your account statements and on any correspondence sent by Kaleido.

Refund of contributions (ROC)

When should I withdraw my contributions and educational assistance payments (EAPs)?
You can start applying for the refund of your contributions and EAPs as soon as your beneficiary enrols in a post-secondary program of study

Certain conditions apply. See our prospectus for more details on eligible programs of study.

. Certain conditions apply. See our prospectus for more details on eligible programs of study.
You manage the EAP withdrawals throughout your child’s school career, choosing the amount and timing of your withdrawals. We encourage you to spread the EAPs so these last the entire length of your child’s education.
Read our blog article Smart RESP Withdrawal Strategies to find out more.
What steps must I follow to receive a refund of contributions (ROC)?

Once the plan reaches its maturity date, the subscriber can apply for a refund of contributions (ROC) via the Client Space.

To get started, click on the “Requests” tab and select “Refund of Contributions.” Select a beneficiary and then the plan from which you wish to withdraw an ROC. Next, you must select the status that applies to your beneficiary (post-secondary student or not). The refund will be transferred to your bank account within 4 to 8 days following your request.

What documents must I provide to make sure my beneficiary keeps the grant money accumulated in the RESP?

When the time comes to apply for your refund of contributions, send us one of the following documents to ensure the grants received aren’t returned to the government:

  • Letter of acceptance (conditional or official) for admission to a post-secondary program
  • Recent proof of enrolment to post-secondary education (issued in the last 6 months)
  • A class schedule for the current or upcoming semester
  • Proof of tuition payment for the upcoming semester
Will I be taxed on the refunded contributions I receive?

No, not one cent!

Only educational assistance payments (EAPs) are considered taxable income for the beneficiary for the year in which they are received. For more information on this subject, read our blog article: It's Tax Season Again! Got RESP Questions?

Educational Assistance Payments (EAPs)

What qualification criteria must I meet to receive educational assistance payments (EAPs)?

The criteria correspond to those of the Income Tax Act (Canada).

The beneficiary can receive EAPs once he or she is enrolled in a qualifying educational program or a specified educational program. The student can attend school in person or be registered in a distance learning program, and is entitled to receive EAPs for up to six months after ceasing enrolment.

  • A qualifying educational program corresponds to full-time studies:
    • The program must last at least three consecutive weeks.
    • The student must spend at least 10 hours per week on courses or work in the program.
  • A specified educational program corresponds to part-time studies:
    • The program must last at least three consecutive weeks.
    • The student must spend at least 12 hours per month on courses or work in the program.
    • The beneficiary must be at least 16 years old.
I’m ready to apply for my first EAP! How do I get started?

Once the beneficiary meets the qualification criteria, you can withdraw an educational assistance payment (EAP). The EAP application must be submitted via the subscriber’s Client Space. Simply follow these instructions:

  1. Log in and click on the “Requests” tab, then select “EAP Application";
  2. Choose a beneficiary and then select the plan from which you want to withdraw an EAP;
  3. Enter the amount you wish to withdraw;
  4. Enter your beneficiary’s post-secondary education information.
  5. Click on “Choose File” to attach your beneficiary’s proof of enrolment;
  6. Select the EAP recipient (person who receives the payment) and enter the applicable banking information.
What documents must I submit with my application to receive an educational assistance payment?

You must submit proof of enrolment, issued in the last six months, confirming your beneficiary’s registration in a post-secondary program. 

To ensure acceptance of your document and avoid processing delays, the proof of enrolment you submit must include the following information:

  • name of the beneficiary (student)
  • name of the educational institution and the program of study
  • program’s duration
  • start date of the school term
  • part-time or full-time status
  • number of hours of school per week or month, if the student is registered part-time.

Examples of accepted proof of enrolment documents:

  • Academic transcript
  • Letter from the Registrar
  • Certificate of school attendance
  • Personalized timetables or course schedules

Application for the Basic CESG, Additional CESG and CLB - 0093

Mandatory form for all clients wishing to apply for the basic Canada Education Savings Grant (CESG), the additional CESG or the Canada Learning Bond (CLB).

Form PDF

Form – Application for the Basic CESG, Additional CESG and CLB - Annex B

Must be completed when the subscriber is not the primary caregiver and/or the custodial parent/legal guardian of the child.

There are 2 possible scenarios:

  1. The primary caregiver is also the child’s custodial parent or legal guardian: the primary caregiver must complete Annex B.
  2. The primary caregiver is not the child’s custodial parent or legal guardian: the primary caregiver AND the custodial parent/legal guardian must each complete a separate copy of Annex B.
Form PDF

Form – Privacy and Protection of Personal Information

The form Privacy and Protection of Personal Information must be completed by the primary caregiver and/or custodial parent/legal guardian who completes Annex B of the Application for the Basic CESG, Additional CESG and CLB. In all cases where Annex B is completed, the form Privacy and Protection of Personal Information must also be completed and attached thereto.

Form PDF

Form – Application for a Social Insurance Number (SIN)

We remind you that receiving the SIN is mandatory for the registration of your education savings plan and for your child to receive the government grants.

Form PDF

REFLEX Plan and INDIVIDUAL Plan Prospectus

Document also available on SEDAR.com

Document PDF

UNIVERSITAS Plan Prospectus

Document also available on SEDAR.com

Document PDF

Year in review

Report presenting Kaleido's highlights of 2018.

Document PDF

MY CLIENT SPACE

  • View your current account balance
  • Access your contract and statements
  • Update your contact and banking information
  • Apply for an educational assistance payment
  • Make an extra contribution
  • Apply for a refund of contributions
  • Make an annual contribution
  • Submit a Social Insurance Number (SIN)

Times have changed; so have we!

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