Terms of Use

Your use of this Web site signifies that you have read and understood the terms and conditions set out below, and that you agree to be bound by them.


This Web site is designed to outline as simply as possible the main features of the Carpentry Workers’ Pension and CMAW Benefit Plans (“CWBP”). It is for information purposes only, and is not intended to provide you with specific financial, legal, investment, pension or tax advice.

While we try to keep the information contained on this Web site as current and accurate as possible, our sources of information are subject to change at any time. CWBP is governed by a number of statutes and regulations, including the Pension Benefits Standards Act – all of which are complex and subject to change.

As a result, please note that:

  • In the event of any conflict between the legislation mentioned above and this Web site, the legislation shall take precedence.
  • CWBP cannot guarantee the accuracy, reliability or completeness of any of the information contained on this Web site.
  • You should not rely on the information on this Web site in making any decision about your pension benefits.

To obtain official information regarding your pension benefits you should consult the Federal Income Tax Act and the Pension Benefits Standards Act and accompanying regulations. When considering your options with respect to your pension benefits, you may wish to consider obtaining independent financial and legal advice.

No warranty of any kind (whether express, implied or statutory) is given to you in connection with the information provided to you on this Web site or in connection with the manner in which it is transmitted to you over the Internet. CWBP will not be liable for any damages, losses, costs or expenses arising from the use or performance of this Web site, even if CWBP Administration has been advised of the possibility of such damages.

You are responsible for the consequences of any decision you make, or action you take, as a result of your visit to this Web site.

E-mail and Internet Communications

Communication by e-mail over the Internet and other publicly accessible networks is not secure. Any information that you send by e-mail may be lost, intercepted or altered while it is being transmitted.

If you choose to send information to CWBP Administration by e-mail or over the Internet, you do so at your own risk. CWBP Administration does not assume any liability for any damages you may experience, or costs you may incur, as a result of sending information by e-mail or, should you request it, as a result of the CWBP Administration sending information to you by e-mail. This includes any such e-mail that may contain your personal or confidential information.

Privacy Policy

As a general policy, no personal information is automatically collected from visitors to this Web site. CWBP does however, gather and analyze certain information of a non-personal nature regarding site usage from all visitors to this Web site. Such data is used in an aggregate form to assist CWBP in determining general usage patterns and to improve the layout and functionality of CWBP’s Web site.

Such site usage and statistical information may be disclosed to third parties at CWBP’s discretion.

Links to Other Websites

Links or pointers to other Web sites are provided as a courtesy to you and are to be used at your own risk. CWBP does not endorse any of the Web sites linked to this one, or their contents, in any way.


All information contained on this Web site is protected under the copyright laws of Canada and other countries. Information on this Web site may be copied for personal use only. Any reproduction of any information contained in this Web site without the express written permission of CWBP is prohibited by law. Any financial information contained on this Web site is unofficial information and should not be relied upon.

The CWBP logo and other identifying marks of CWBP are and shall remain the official marks of the Carpentry Workers’ Pension and CMAW Benefit Plans, and any unauthorized use of these marks is unlawful.