Complaint Processing and Dispute Resolution Policy

Summary of the Kaleido Growth Inc. Complaint Processing and Dispute Resolution Policy

Introduction

The purpose of this document is to inform you about the definition of a complaint, the steps to take before filing a formal complaint, and the steps involved in our fair complaint processing and dispute resolution procedure.

For information on complaint processing, you can consult this web page, contact us by e mail at info@kaleido.ca, or call our customer service department at 418 651 8975 or 1 877 710 7377.

Definition of a complaint

For the purposes of this complaint policy summary, a complaint is defined as:

  [...] any reproach or dissatisfaction in respect of a service or product offered by a financial institution or a financial intermediary where the reproach or dissatisfaction is communicated by a person who is a member of the clientele of the financial institution or financial intermediary and a final response is expected.

[…]

A final response is expected when the complainant’s communication explicitly or implicitly implies that action must be taken to address the complaint.1

Process

Step 1 – Before filing a complaint with Kaleido Growth Inc.

If you are not satisfied, please contact your sales representative. You can also contact our customer service department to present your concerns so that we can analyze them in a timely and satisfactory manner.

Step 2 – Communicating your complaint

If you feel that your concern has not been addressed to your satisfaction by your representative and/or customer service, please let us know by filling out the complaint form, or by writing to us by mail or e-mail:

Complaints manager

Kaleido Growth Inc.
Centre d’affaires Henri-IV
1035 Wilfrid-Pelletier Avenue, Suite 500
Quebec City (QC) G1W 0C5
Toll-free: 1‑877‑710‑RESP (7377)
E-mail: info@kaleido.ca

If you need assistance in formulating your complaint, you can contact our customer service department at 418-651-8975 or 1‑877‑710‑7377.

You may also file your complaint directly with the Autorité des marchés financiers (hereinafter the “AMF”) by completing the following form: Complaint form

Please note, however, that the AMF will transfer the complaint to Kaleido for processing according to its internal process.

Below are the steps in the complaint processing procedure:

Step 3: Complaint processing

3.1 Receipt of complaint

Please note that as soon as Kaleido receives a complaint, it is promptly recorded in a complaints register. A file with an identification code is created, which will contain all future documents relating to the analysis of the complaint. Within five (5) business days of receipt of the complaint, Kaleido will send you an acknowledgement of receipt with information relevant to your complaint and the deadline by which Kaleido will send you its final response.

3.2 Complaint analysis

The complaints manager will analyze your request. If there is any ambiguity about the request, the complaints manager may contact you for further information.

3.3 Final decision on request

A final response to your complaint will be sent to you within 60 days of receipt of the complaint. Exceptionally, Kaleido may take an additional 30 days to respond to you when warranted by exceptional circumstances or circumstances beyond Kaleido’s control. You will be informed of the new date when you receive our final response.

3.4 Offer to settle to customer satisfaction.

If Kaleido makes you a settlement offer, you will be given a reasonable period of time in which to accept it. If you accept, you will have to sign a transaction receipt.

3.5 Transfer of file to the Autorité des marchés financiers

If you are not satisfied with the final response, you can consider the following remedies.

If you have contacted us as described above and feel that an acceptable settlement cannot be reached, you may request that your file be transferred to the AMF.

Subscribers residing in Quebec may contact the AMF directly to review their case and if the situation warrants, the AMF may offer mediation services.

Fax: 1‑877‑235‑4378
Toll-free: 1‑877‑525‑0337
Quebec City: 1‑418‑525‑0337
Montréal: 1‑514‑395‑0337
Website: www.lautorite.qc.ca

Outside Quebec, subscribers should contact the Ombudsman for Banking Services and Investments (“OBSI”). OBSI offers these services free of charge and in complete confidentiality.

To contact OBSI:

E-mail: ombudsman@obsi.ca
Toll-free: 1‑888‑451‑4519
Toronto: 1‑416‑287‑2877
Website: www.obsi.ca

Step 4 – Legal services

You may want to consider hiring a lawyer to help you file your complaint. A lawyer can explain the options and remedies available to you as a subscriber. You must, however, take into account the time limits within which you must initiate civil proceedings. Once the applicable limitation period has elapsed, you may lose the right to exercise certain remedies. Contacting the above-mentioned parties in an attempt to resolve the dissatisfaction or complaint does not suspend the legal prescription provided for in the Civil Code of Quebec.

Complete this form and our teams will assess your request according to the process in place for handling complaints.

Legal Notes

1. Regulation respecting complaint processing and dispute resolution in the financial sector, CQLR, A.M. 2024-01, art. 3.