From bank accounts, credit cards and mutual funds to loans and mortgages, we design and deliver all the products we offer in a responsible manner. That means ensuring our products and services align with our corporate values and Guiding Principles, adhere to strict internal development standards and industry codes of conduct, and comply with all applicable laws and regulations where we operate.

At TD, product responsibility is also about helping our customers conduct their financial affairs in a safe manner and giving them all the information they need to make informed choices.

Customer health and safety
TD is vigilant in sustaining its excellent health and safety record. We actively promote healthy and safe conditions for both customers and employees through a formal policy and program addressing such issues. Learn more in our workplace health and safety section.

Transparency and sales practices
TD abides by various consumer laws requiring banks:

• to give consumers clear and timely information about interest rates, fees and terms and conditions;
• to provide sufficient notice of branch closures;
• to engage in acceptable sales practices; and
• to have customer problem resolution procedures in place.

Customers expect us to be transparent so they can make informed decisions about their financial affairs. Our approach is to ensure that employees take sufficient time to explain issues and answer customer questions. We are committed to advising customers of any prospective changes to our fees and charges well in advance of them taking effect. We make product and fee information readily available in our branches and on our website and we present it in clear, easy-to-understand language.

Every customer is entitled to freely choose financial products and providers, and we respect that fundamental right. We strive to ensure that our products and services meet genuine needs.

Marketing communications
TD has programs and processes in place, including internal legal reviews, to ensure adherence to laws and regulations related to marketing communications, including advertising, promotion and sponsorship. We also abide by industry codes and standards.