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scotia-rewards-travel-terms-and-conditions

Travel Service

Scotia Rewards  Travel Service - Terms & Conditions

The&nbsp;Scotia Rewards&nbsp;Travel Service website (the "website") is owned and operated by Hogg Robinson Canada Inc. doing business as HRG North America (&ldquo;HRG&rdquo;).&nbsp;The Bank of Nova Scotia and its affiliates are not responsible for the&nbsp;Scotia Rewards&nbsp;Travel Service website or HRG&rsquo;s terms and conditions below. For the purposes of these terms &amp; conditions, the term "you", &ldquo;your&rdquo;, &ldquo;customer&rdquo;,&nbsp; "passenger" and "cardholder" refer to each, any and all person(s) who request(s), receive(s) or purchase(s) travel and travel related services through the&nbsp;Scotia Rewards&nbsp;Travel Service or related travel benefits (the &ldquo;travel services&rdquo; or &ldquo;Scotia Rewards&nbsp;Travel Service&rdquo;) by or through HRG.
Please review the &ldquo;Customer&rsquo;s Responsibility&rdquo; section below regarding the terms and conditions about&nbsp;Scotia Rewards&nbsp;Travel Service requests, purchases, arrangements and documents that will help ensure your travels go smoothly.
Acceptance of Terms &amp; Conditions:&nbsp;The use of the&nbsp;Scotia Rewards&nbsp;Travel Service confirms your consent and acceptance, without modification, of the terms, conditions, and notices contained herein.
Eligibility:&nbsp;You must be at least the age of majority in your province/territory of residence to request, receive or purchase&nbsp;Scotia Rewards&nbsp;Travel Service and must be a resident of Canada. By using the&nbsp;Scotia Rewards&nbsp;Travel Service, you represent that you meet these eligibility requirements.

Scotia Rewards Travel Service Overview

You may request, receive or purchase&nbsp;Scotia Rewards&nbsp;Travel Service in two ways:
<ol>
<li>Purchase Travel through the&nbsp;Scotia RewardsTravel Service:&nbsp;You can purchase travel through the&nbsp;Scotia Rewards&nbsp;Travel Service in two ways:
<ol type="i" class="roman">
<li>Sign onto the&nbsp;Scotia RewardsProgram website to book and purchase your travel online through the&nbsp;Scotia Rewards&nbsp;Travel Service website; or</li>
<li>Call the&nbsp;Scotia RewardsTravel Service at 1-800-665-2582 and speak with a Travel Consultant to purchase travel services.&nbsp;&nbsp;PLEASE BE ADVISED:&nbsp; If you request and book travel services by phone, a booking fee (disclosed to you at the time of booking) will apply for that travel purchase. You may pay for this service fee using your&nbsp;Scotia Rewards&nbsp;points or with a&nbsp;Scotia Rewards&nbsp;credit card.</li>
</ol>
</li>
<li>Redeeming&nbsp;Scotia Rewardspoints through&nbsp;Scotia Rewards&nbsp;Travel Service:&nbsp;You can redeem your&nbsp;Scotia Rewards&nbsp;points for a travel purchase through the&nbsp;Scotia Rewards&nbsp;Travel Service using the following options:
<ol type="i" class="roman">
<li>Redeeming&nbsp;Scotia Rewardspoints (&rdquo;Points Only&rdquo;) - This payment option allows you to redeem&nbsp;Scotia Rewards&nbsp;points for the entire amount of your travel purchase made through the&nbsp;Scotia Rewards&nbsp;Travel Service. This payment option is available on all Program Cards;</li>
<li>Scotia RewardsCredit Card customers: Redeeming&nbsp;Scotia Rewards&nbsp;points plus a charge to your Program Card - (&ldquo;Points Plus Charge&rdquo;). This payment option allows you to book travel through the&nbsp;Scotia Rewards&nbsp;Travel Service and the value of any&nbsp;Scotia Rewards&nbsp;points redeemed will be deducted from the total purchase with the difference in the amount of the travel purchase then charged to your Program Card. This payment option is only available to&nbsp;Scotia Rewards&nbsp;credit card customers; Passport&nbsp;ScotiaCard&nbsp;is excluded from this option.</li>
</ol>
</li>
</ol>
Point Minimum:&nbsp;The minimum point redemption is 5,000 points (5,000 points is equivalent to $50 in travel savings) each time a redemption towards a travel purchase is made through the&nbsp;Scotia Rewards&nbsp;Travel Service.
Credit Card Payment:&nbsp;Your authorization to use your credit card further indicates your consent and acceptance of&nbsp;Scotia Rewards&nbsp;Travel Service Terms and Conditions, and those of the Airlines&rsquo;/Tour Operators&rsquo;/Cruise lines&rsquo; travel services you have purchased. By providing authorization to use your credit card to pay for travel services, you are confirming that you will pay the total amount charged according to your cardholder agreement. In addition, you agree not to dispute payment for the travel services you request and receive.
Please be advised, the billing address provided as part of the transaction must be the one associated with the credit card. If we are unable to validate the billing address, your booking will be cancelled with or without prior notice.
Currency:&nbsp;Prices displayed on the&nbsp;Scotia Rewards&nbsp;Travel Service website are in Canadian Dollars. However, cruise prices may be shown in US dollars or Canadian dollars as some supplier rates are quoted to HRG in U.S dollars or other currencies. The amount(s) listed on the invoice is converted into Canadian Dollars at the prevailing exchange rate of the date of invoice. Sometimes, payments processed at a later date to your Program Card may have a different exchange rate than the one calculated at the time of booking, which will be applied either by the supplier or Scotiabank. HRG is not responsible for currency fluctuations and foreign transaction fees, nor does it guarantee the Canadian equivalent of the purchase will be the same, as this is beyond our control.
Price Increases:&nbsp;For Ontario and Quebec residents, in accordance with travel regulations, where there is an increase of more than 7 per cent in the price of services after a deposit has been paid, and such price increase is not a result of an increase in government taxes or a fuel surcharge allowed by the Canadian Transportation Agency, the customer may cancel their booking provided you contact&nbsp;Scotia Rewards&nbsp;Travel Service by calling 1-800-665-2582 within 7 days of receipt of notice of the increase. Please refer to websites of the&nbsp;<a href="http://www.tico.ca/">Travel Industry Council of Ontario</a>&nbsp;or the&nbsp;<a href="http://www.opc.gouv.qc.ca/">Office de la protection du consommateur</a>&nbsp;for further details.
Pricing or Point Value Errors:&nbsp;Scotia Rewards&nbsp;Travel Service obtains its prices from several systems from which it does not control. Occasionally, suppliers have an incorrect price for a flight, package, cruise, etc. If the price is incorrect, the tour operator or supplier has the right to cancel that booking at anytime and&nbsp;Scotia Rewards&nbsp;Travel Service has no control over these pricing errors. In the event of such an occurrence, you will be immediately notified by telephone, by a&nbsp;Scotia Rewards&nbsp;Travel Service representative to ensure that alternative arrangements can be made.&nbsp;
Price or Point Value Changes:&nbsp;Prices or point values displayed on the&nbsp;Scotia Rewards&nbsp;Travel&rsquo;s Service&rsquo;s website may change during the same session. This may be the result of an unavoidable delay between the third party service provider and the most current tour operator, airline, consolidator, or hotel price. If you leave the website, and return later, prices could change at your next visit to the website.
Refunds:&nbsp;No refund will be made for unused travel services or any unused portion of the services. Any changes to your booking are subject to the terms and conditions of the tour operator, airline, or cruise line as stated in their brochure or on their website. Cruise lines from time to time must change itineraries, skip ports of call or even substitute vessels for safety, weather, or other reasons. These events are beyond the control of HRG and the cruise lines and are not subject to compensation or refunds.
Booking Fees:&nbsp;If you choose to book travel by phone, please be advised that you will be charged a booking fee of $15 (plus applicable taxes) by the&nbsp;Scotia Rewards&nbsp;Travel Service. Fees are charged for each airline ticket, stand-alone hotel &amp; car bookings, combinations of both, as well as on tour packages. You may pay for this service fee using your&nbsp;Scotia Rewards&nbsp;points or with a&nbsp;Scotia Rewards&nbsp;credit card.&nbsp;&nbsp;We&rsquo;ll let you know of the amount of any service fee, if applicable, before you book. Fees do not apply to Scotiabank Platinum American Express Cardmembers using the Concierge Service.
Changes to a Booking:&nbsp;Any changes to a booking will be subject to a $50 (plus applicable taxes) administration fee, in addition to any supplier change fees accessed by the supplier (airline, hotel, car, tour operator, cruise company). Some suppliers do not permit changes to their product/services and failure to travel as booked&nbsp;for any reason&nbsp;will be subject to 100% cancellation penalty.&nbsp;You may pay for this service fee using your&nbsp;Scotia Rewards&nbsp;points or with a&nbsp;Scotia Rewards&nbsp;credit card. &nbsp;Fees do not apply to Scotiabank Platinum American Express Cardmembers using the Concierge Service.
Special Requests:&nbsp;If you make a special request for a room allocation, adjoining rooms, bed type, airline seating, etc. please be advised that these requests are not guaranteed, and HRG cannot be held responsible for requests that are not granted.

Travel Redemption 

Concierge Service:&nbsp;Scotiabank Platinum American Express Cardmembers and Scotiabank Gold American Express Cardmembers may use the Concierge service operated by HRG. General concierge assistance consists of the following services; Travel Related (e.g. car and limousine rentals, hotel information and reservations, luxury rental information and arrangements, private planes), Entertainment (e.g. concerts, sporting event tickets, golf course tee times), Lifestyle (cultural information, restaurant referrals and reservations, gift referrals and arrangement services, specialty in-home referrals and specialty service, flowers, personal assistants) and Experiential (e.g. luminary experiences, meet greet, fashion, styling sessions, once-in-a-lifetime trips). Services are available worldwide and are subject to limitations. In no event will the services be available in any country or territory which is the subject of governmental or quasi-governmental economic or political sanctions, which may be involved in an international or internal conflict, or where the existing infrastructure is deemed inadequate to guarantee service. Fees do not apply to Scotiabank Gold American Express Cardmembers and Scotiabank Platinum American Express Cardmembers. To cancel or modify your booking, please contact a&nbsp;Scotia Rewards&nbsp;Concierge Representative at 1-800-665-2582. To cancel or modify your booking, please contact a&nbsp;Scotia Rewards&nbsp;Concierge Representative at 1-800-665-2582.
Travel Advantage:&nbsp;As a Scotiabank American Express Cardmember and Scotiabank Visa Reward Cardmember, you are also entitled to Travel Advantage1. Travel Advantage offers Cardmembers access to year-round travel benefits. The Travel Advantage program may be terminated at any time. Individual offers are subject to change and offer expiration dates vary. Offers are subject to merchants&rsquo; standard booking requirements, terms, and conditions. To qualify, purchase must be booked through your&nbsp;Scotia Rewards&nbsp;Travel Service at 1-800-665-2582 or online and purchase must be made on a valid&nbsp;Program Card.
Platinum VIP Offers:&nbsp;Scotiabank Platinum American Express Cardmembers are entitled to Platinum VIP offers2. Platinum VIP offers are a selection of unique lifestyle, travel, entertainment and once-in-a-lifetime experiences. Platinum VIP Offers may be terminated at any time, and are subject to change and expiration dates vary. Offers are subject to merchants&rsquo; standard booking requirements, terms, and conditions. To qualify, purchase must be booked through your&nbsp;Scotia Rewards&nbsp;Travel Service at 1-800-665-2582 or online and purchase must be made on a valid&nbsp;Program Card.

Programs and Offers 

Minimum Age:&nbsp;You confirm you are the age of majority in your province/territory of residence and have the authority to book travel services on behalf of yourself and on behalf of all those included in your booking including for those bookings where another age is required. Many&nbsp;cruise lines have a minimum age of 21 in a cabin without an accompanying adult of at least 25 years of age (ages and terms may vary). Most hotels and car rentals also have a minimum age requirement. Check with the cruise line, hotel, or&nbsp;car rental company for their policy prior to booking.
Fraudulent Activity:&nbsp;You agree not to make any speculative or fraudulent redemption on this website. If we find your booking shows signs of fraud or suspicious activity, HRG may cancel any bookings associated with your name and/or email address. If you have conducted any fraudulent activity, HRG will take legal action and you may be liable for any losses to HRG, including legal costs and damages. To contest the cancellation of a booking please contact&nbsp;Scotia Rewards&nbsp;Travel Service at&nbsp;1-800-665-2582.
Correct Spelling On Your Documents:&nbsp;It is your responsibility to ensure that the spelling of all names is correct and corresponds to the names listed on the passport of each person on the booking. These exact spellings will appear on your ticket(s) and if they are incorrect, you may be refused travel by the airline, cruise line, or immigration authorities.
Correct Documentation:&nbsp;Please contact the Consulate, Embassy, or government website of your travel destination and airline to ensure you have the correct travel documents required to travel to every country you will visit on your itinerary including the United States. Depending on the country of origin of your passport, you may be restricted from travel to some destinations, or you may require a visa that must be arranged well ahead of time.&nbsp;Please be aware that many countries now require that a passport be valid for 6 MONTHS after the date of return of your trip. Please check the government website of the country you are travelling to.
Although HRG has given certain advice about the relevant laws, customs and travel documentation required for your travel destination and your return to Canada, it is your responsibility to be aware of and prepared for all legal, documentation, health, and other requirements of the destination you are travelling to. If you need assistance with this or are unclear about where to get the correct information, please call us at 1-800-665-2582.
Documentation to Return to Canada:&nbsp;It is your responsibility to ensure that you have the appropriate documentation (passport, visa, permanent resident card, etc.) to re-enter Canada upon your return.
Travellers Requiring Special Assistance:&nbsp;If anyone on your booking requires accommodation for accessibility needs, please call&nbsp;Scotia Rewards&nbsp;Travel Service at the time of booking or immediately after booking at 1-800-665-2582&nbsp;or via e-mail to&nbsp;<a href="mailto:scotiarewardsservice.ca@hrgworldwide.com">scotiarewardsservice.ca@hrgworldwide.com</a>, so that we may assist you with notifying the relevant suppliers and making the necessary arrangements.
Review Tickets and Invoice:&nbsp;Please review your invoice, tickets, and itinerary thoroughly to ensure all dates, times, products are exactly what you requested and that your names are all exactly as on your passports. By paying for travel services you acknowledge you have reviewed and accepted our Terms and Conditions. If you have booked a cruise, please be sure to fill out any required personal information by the cruise line in advance of your trip, according to the requirements of that cruise line.

Customer’s Responsibility

Best Price Guarantee on Airfare from HRG:&nbsp;If, within 24 hours after completing an airline ticket purchase on the&nbsp;Scotia Rewards&nbsp;Travel Service website or with a&nbsp;Scotia Rewards&nbsp;Travel Service Representative, you find a price for the exact same itinerary that's at least $10 less, HRG&nbsp;will offer you a&nbsp;Scotia Rewards&nbsp;points credit equal to the price difference, per passenger. See&nbsp;<a href="https://www.scotiarewards.com/Travel/Travel/BookTravel">travel.scotiarewards.com</a>&nbsp;for complete details and instructions on how to submit your claim.
Flights &amp; Baggage Restrictions:&nbsp;We recommend you check the website of your airline for check-in and cut-off times prior to departure for your flight and destination. You should also contact your airline to determine if there is any charge for checked baggage, excess baggage, as well as any weight and carry-on requirements specific to your airline, or your carry-on items could be refused. You should also check what items are permitted in your carry-on luggage.
Airport Check-in:&nbsp;Most Airlines require travelers to obtain a boarding pass and complete check-in of their baggage up to 2 hours prior to departure. The times vary from airline to airline and HRG recommends that you confirm this information with the airline at least 24 hours prior to departure. The airline reserves the right to deny boarding to travelers that fail to meet the above mentioned timelines. HRG will not be responsible for missed flights due to delays in getting to an airline check in counter in time.
Flight Reconfirmation:&nbsp;Flight times are subject to change. Please be sure to reconfirm all flight times 12 - 24 hours prior to departure by contacting your airline or checking their website.
Connecting Flights:&nbsp;All connecting flights displayed on this website allow for ample time required to connect between different airlines and between different airports within the same city, however HRG assumes no liability for customers unable to make their connection for any reason. Foreign Travel:&nbsp;&nbsp;Air travel to other countries is governed by various conventions and agreements between Canada and other governments, which are incorporated into the terms and conditions of your purchase of applicable air travel services. Incorporated terms may include, but are not restricted to:
<ol>
<li>limits on liability for personal injury or death;</li>
<li>limits on liability for lost or damaged baggage and its contents, including fragile or perishable goods, and availability of excess valuation coverage;</li>
<li>claims restrictions, including time periods within which passengers must file a claim or bring an action against the air carrier;</li>
<li>rights of the air carrier to change the contract;</li>
<li>rules on re-confirmation of reservations, check-in times and refusal to carry; and</li>
<li>rights of the air carrier and limits on liability for delay or failure to perform service, including schedule changes, substitution of alternate air carriers or aircraft and rerouting.&nbsp;</li>
</ol>
It also is your responsibility to become familiar with the relevant laws and customs of the countries of destination. You acknowledge that the living standards and practices at the destination and the standards and conditions there with respect to the provision of utilities, services and accommodation may differ from those found in Canada

Flights

Hotel Check-in/Check-out times:&nbsp;Every hotel has standard check in and check-out times. We are not able to make special arrangements for our customers outside this policy. Generally the check-out time is 12:00 noon on the day of the return flight, regardless of the flight time. Note that some flights may leave as late as a few hours after midnight. The check-out time for these flights is still 12 noon the previous day. Late check-outs are subject to additional charges paid to the individual hotel locally.
Hotel/Car Pay at Destination&nbsp;(Scotia Rewards&nbsp;Credit Cards only): While most hotel and car rental bookings will be prepaid (requiring Cardmembers to pay only local tax and incidentals at check-out/drop-off), there may be occasions where a prepayment is not possible. In these situations, your hotel and/or car bookings will be considered a &ldquo;Pay-At-Destination&rdquo; booking. For these bookings, points are redeemed in the form of a travel credit. The travel credit is applied to your Program Card Account within 14 days of the date of this booking. Full payment is collected by the hotel and/or car rental agency. Pay at Destination is only applicable to trips reserved through the&nbsp;Scotia Rewards&nbsp;Travel Service and paid with a Program Card.
Hotel Terms and Conditions:
<ul>
<li>All Prices quoted based on the&nbsp;Scotia RewardsTravel Service website and may vary based on current daily exchange rates</li>
<li>Most hotel reservations are prepaid. Your Program card will be charged when you complete your reservation</li>
<li>If your hotel is to be paid locally, please note that the price shown does NOT include any applicable hotel taxes. Exact taxes and any other charges applicable to your hotel stay will be billed by the hotel. Most hotels are charged locally upon check out unless otherwise specified or charged to your Program card.</li>
<li>Any incidental charges will be assessed directly to you by the hotel upon check-out. Examples: Parking, Phone Calls, Room Service, etc.</li>
<li>HRG hotel rates are based on double occupancy. Charges for extra persons (including children) may apply and will be due directly to the hotel</li>
<li>Any changes to, or cancellation of, an hotel reservation may result in 100% penalties and/or administration fees</li>
<li>No refunds for unused nights, including those resulting from delayed check-in or early check-out, will be given</li>
<li>Guests must be at least 18, or in some cases 21 years of age at time of check-in (depending on individual hotel policy) unless accompanied by a parent or guardian&nbsp;</li>
</ul>
For any hotel changes and cancellations please contact us at 1-800-665-2582.

Hotel

Car Rentals:&nbsp;If a car rental is included in your booking, please be aware that car rental companies, and governments in every jurisdiction, determine the minimum age that applies to your booking. If the driver does not meet the minimum age requirement in a particular jurisdiction, the car rental will be denied. Also, please be aware that you will need a&nbsp;valid driver&rsquo;s license&nbsp;and a&nbsp;valid credit card&nbsp;for any car rental. Some local fees and taxes may be applicable to be paid locally and are not covered by&nbsp;Scotia Rewards&nbsp;Travel Service. Furthermore although it may not be disclosed by the supplier at the time of booking, some foreign car rental companies mandate that renters purchase their own insurance locally.

Cruise Line Departure Times:&nbsp;Cruise lines must adhere to their departure times from port. It is highly recommended you allow sufficient time to get to your cruise to allow for any flight delays. You may choose to travel the day before your cruise with an overnight in their port of embarkation to ensure you are on time for the departure.
Cruise Line Flights:&nbsp;If you have elected to buy flights arranged by your cruise line, please be aware that cruise lines do not confirm airlines, routing, dates and times until two or three weeks prior to departure.
Cancellations:&nbsp;If you need to cancel your booking, you must contact HRG immediately. All cancellations are subject to charges according to the airline, supplier, insurance company, and cruise line cancellation policies, which will be determined by the amount of time before departure that you cancel. Please note that in the event of a partial or full refund, taxes, fees and charges are NOT refunded by the supplier. Local Customs and Holidays in Your Destination:&nbsp;Please be aware that every country has its own local customs, holidays, holiday closures, etc. Please check the tourist board website for your destination to be aware of any customs or holidays that may affect your vacation.

Cruise Line

Privacy:&nbsp;The HRG privacy policy&nbsp;that applies to the&nbsp;Scotia Rewards&nbsp;Travel Service website (the &ldquo;Privacy Policy&rdquo;) is available for review by clicking the Privacy Policy link on the&nbsp;Scotia Rewards&nbsp;Travel Service website.
By purchasing travel or related services through the&nbsp;Scotia Rewards&nbsp;Travel Service website, you&nbsp;expressly consent&nbsp;to the use of your information&nbsp;(as referenced in this Privacy Policy) and agree that HRG may contact you in connection with the purchase of such travel or travel related services.
Governing Law:&nbsp;These Terms and Conditions shall be governed by and construed in accordance with the laws of the province of Ontario and the laws of Canada applicable in it and shall in all respects be treated as a contract of that province.
This&nbsp;Scotia Rewards&nbsp;Travel Service website may contain hyperlinks to websites operated by third parties. Such hyperlinks are provided for your reference only. HRG and The Bank of Nova Scotia do not control such web sites and is not responsible for their contents. Inclusion of hyperlinks to such web sites does not imply any endorsement of the material on such web sites or any association with their operators.

HRG Privacy and Governing Law

Travel Agent:&nbsp;Fulfillment services for&nbsp;Scotia Rewards&nbsp;Travel Service is provided by Hogg Robinson Canada Inc. d/b/a HRG North America (&ldquo;HRG&rdquo;), 370 King Street West, Toronto, ON M5V 1J9, TICO Registration No.:1355825/R
In this Agreement, HRG is the travel agent of record. Business registration and GST number - R136445095 RT0001. All inquiries pertaining to the legal registration of HRG should be directed to 1-877-342-3253.
Liability:&nbsp;HRG, in its capacity as a travel agency, makes arrangements with suppliers who provide travel services such as flights, cruises, hotels, package holidays and car rentals, including VIP Offers and Travel Advantage. The services arranged by HRG are subject to the conditions imposed by these individual suppliers, and their liability may be limited by their own tariffs, conditions of carriage, and international conventions.
HRG does not own, manage, operate or control any vehicle, hotel, resort, cruise ship, restaurant, or other supplier of services, and is not responsible for their acts or omissions. HRG does not guarantee any suppliers&rsquo; rates, reservations, connections, scheduling, or protection of personal belongings.
HRG assumes no responsibility for the actions of its suppliers, i.e. airlines, tour operators, cruise lines, hotels, car rental companies, etc. for overbooking, route changes, cancellation or delays. All information, prices and availability are subject to change.
HRG will not be responsible for the acts or omissions of any person other than our agency and our employees acting on our behalf.
HRG shall not be liable for any damages due to illness, theft, labour action, acts of God, mechanical failure, equipment failure, quarantine, rescheduling, government action, war, insurgency or act of terrorism, or other event beyond our control.
Legal Claims:&nbsp;You must notify HRG, via e-mail at&nbsp;<a href="mailto:scotiarewardsservice.ca@hrgworldwide.com">scotiarewardsservice.ca@hrgworldwide.com</a>&nbsp;or by mail to the address indicated below, of any claim you may have against HRG, within 30 days from the event giving rise to the claim. Should you not file a written complaint with HRG within 30 days of the end of your vacation or use of the travel services obtained through this website, it will be deemed that you are satisfied with the services delivered to you. You may not commence any legal proceeding against HRG unless you have submitted a notice as set out above.
This website constitutes your agreement to all such terms, conditions, and notices.
Contact information: If you have additional travel questions or concerns, please contact us at&nbsp;1-800-665-2582,&nbsp;<a href="mailto:scotiarewardsservice.ca@hrgworldwide.com">scotiarewardsservice.ca@hrgworldwide.com</a>&nbsp;or:
Hogg Robinson Canada Inc. d/b/a HRG North America (&ldquo;HRG&rdquo;), 370 King Street West, Toronto, ON M5V 1J9