Connect Legal Manual for Self-Employed Women

Connect Legal Manual
for Self-Employed Women
Connect Legal is a registered charity that provides
free legal services for small businesses.
Registration number: 84434 5264 RR0001
This information is provided for your convenience
only and does not constitute legal advice. Connect
Legal does not assume responsibility for loss or
damage arising from using this guide.
Table of Contents
About Connect Legal ...................................................................................................................................... 3
About the Manual............................................................................................................................................. 3
Business Structures ............................................................................................................................................. 4
Rules & Regulations ........................................................................................................................................... 5
Financing Your Business .................................................................................................................................... 6
Opening a Bank Account ............................................................................................................................... 7
Income Support for Small Business ................................................................................................................. 7
Understanding Contracts ................................................................................................................................ 8
A Connect Legal Success Story: Carolina Velez ......................................................................................... 9
Hiring Employees ............................................................................................................................................. 10
Protecting Your Name and Products .......................................................................................................... 11
Passing on Your Family Business .................................................................................................................... 11
Renting versus Buying – Space and Equipment ........................................................................................ 12
Case Study: Oriental Falls Spa v Turk Investments Ltd. ............................................................................. 13
Marketing .......................................................................................................................................................... 14
Connect Legal Workshop and Free Lawyer Matching Programs ......................................................... 15
Appendices ...................................................................................................................................................... 17
Appendix 1: Women Specific Resources ............................................................................................. 18
Appendix 2: Links to Helpful Resources ................................................................................................. 24
Appendix 3: “Are You an Entrepreneur” Quiz ..................................................................................... 25
Appendix 4: How to Avoid Legal Troubles ........................................................................................... 27
Appendix 5: Checklist for Creating and Using Contracts ................................................................. 28
Appendix 6: Sample NUANS Name Search Corporations ................................................................ 29
Appendix 7: Sample Master Business License ...................................................................................... 30
Appendix 8: Sample Articles of Incorporation .................................................................................... 31
Appendix 9: Sample Business Name Registration ............................................................................... 33
Page 2
About Connect Legal
Connect Legal is a registered charity that fosters entrepreneurship in the
immigrant community by providing free legal advice and educational services
to low-resource small business owners. Our staff and volunteer lawyer network
recognize that some small business owners may face challenges due to limited
financial resources, language barriers and unfamiliarity with the Canadian legal
system. By helping these entrepreneurs to succeed, Connect Legal seeks to
contribute to the overall economic prosperity of the community. To find out
more about our services and to sign up for our newsletter visit
www.connectlegal.ca
As a registered charity, we gratefully appreciate financial donations along with
the contributions of volunteer lawyers. Find out how you can support our efforts
to foster successful small businesses in your community at www.connectlegal.ca
About the Manual
This manual and the appendices are not intended to provide legal advice, but
it will provide an overview of some of the legal issues you should be thinking of
as a small business owner. This guide features a special resource section and
tools tailored to women entrepreneurs; however, the legal guidelines cover
generic legal issues due to the gender neutral nature of the law. An electronic
version of the guide and resources is available on our website. For legal advice,
you will need to consult a lawyer.
Page 3
Business Structures
You can set-up your business as a:
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Sole proprietorship, where you are the business and any profits and losses
arising out of the business are personal. As a sole proprietor, your personal
wealth is exposed to business liability.
Corporation, where the business is legally separate from you and your
personal wealth. Any profits or losses arising out of the business belong to
the corporation.
Partnership, where the business profits and losses are shared between you
and one or more owners. Partnerships can be individuals or corporations.
Cooperative (co-op), where the members who use the services jointly
pool resources and share ownership of the business.
Consider:
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
Who will own the business, make decisions and bear risk?
Financial and tax benefits with different business structures.
Next Steps:
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Visit ServiceOntario’s “Business” website.
Choose a business structure and file necessary paperwork.
Register the name of your business and get a Master Business License.
Consider (i) a partnership agreement, if a partnership, (ii) articles of
incorporation and by-laws for a corporation.
Page 4
Rules & Regulations
You will want to research whether any licenses and permits will be needed to
run your business. Governments and business partners often require these
documents. Some of the benefits of obtaining the necessary licenses and
permits are:
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Major suppliers and customers will then be able and more willing to do
business with you.
You can avoid fines or being shut down for not having the proper
paperwork or permissions.
You can get basic guidelines and instructions on how to conduct your
business safely.
Getting things started on the right track will allow your business to grow.
Consider:
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What is the real cost of running a properly licensed business?
Are there restrictions on the sort of businesses you want to start?
Next Steps:
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Visit BizPal.ca to search for applicable permits and licenses.
Contact your local city government office to find out the kind of business
that is permitted at your location and whether there are any restrictions.
Understand the taxes (e.g. sales taxes, employee-related taxes, such as
payroll deductions and remittances) you must collect and send to the
government and register your business with the Canada Revenue
Agency. Visit the CRA’s website for small business and self-employed
individuals to learn about your tax obligations.
Page 5
Financing Your Business
Ways to raise money for your business include:
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Borrowing money from family and friends.
Taking a loan or using credit from a bank or lender.
Selling a part of your business to an investor.
Making sure that your customers pay on time.
Consider:
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
What is the true cost of each type of financing? Credit cards and loans
can be very expensive. Check the interest rate: is it fixed or can it be
raised? If borrowing money from family and friends, when do you need to
pay them back and will you owe interest?
Do you have a business plan? Some lenders and investors will require it.
If you sell part of your business to an investor, what rights will the investor
have in the business?
Next Steps:
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Make sure you know and write down that you are receiving a gift of
money, a loan or an investment. Clearly write down any terms or
conditions attached to the money.
Have a clearly written agreement with lenders or investors (even if they
are family) outlining the terms attached to the money.
Talk to your bank or local micro-lender to learn how you can become a
borrower.
Consider attending a financial literacy class.
Page 6
Opening a Bank Account
No matter how small your business is, you should consider opening a bank
account in order to keep your personal funds separate from your business funds.
This is especially the case if you choose to operate your business through a
corporation or partnership.
In order to open a bank account, the bank will require proof that you have
established a business. For example, a bank may require personal identification
from you as well as the documents establishing existence of the business.
You should consult your local bank to discuss the bank account options offered
as well as to find out the documentation required to open an account.
Income Support for Small Business


If you are currently receiving government income support, you may
qualify for small business development program.
Self-employed individuals may be able to apply for special EI benefits if
they are registered for access to EI.
Next Steps:

Investigate if you qualify for any of the following: Ontario Works, Ontario
Self Employment Benefits Program, or Ontario Disability Support Program.
Page 7
Understanding Contracts
A contract:
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Is an agreement between people or legal entities to do or not to do
particular things. Examples include agreements for buying or selling,
leases, and services contracts.
Is an opportunity to write down what everyone agreed to, so that you can
minimize misunderstandings.
Can sometimes be overruled by government laws and regulations (such
as employment law, human rights law, consumer protection laws etc).
Can be a good tool to manage your business risk.
Consider:
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Who is part of the deal? Take a close look at the person or legal entity
signing.
How and when do you get paid or need to make a payment?
Have you included important details such as quantity, quality, timing and
effort requirements?
What happens if something goes wrong? What rights or obligations do
you have?
Next Steps:
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
Develop the contracts you will need for your business by looking for
examples and talking to a lawyer.
Take time to understand contracts before you sign, and do not sign if you
do not understand.
Negotiate everything!
Page 8
A Connect Legal Success Story: Carolina Velez
Carolina arrived in Canada with a Colombian business degree. She found that
her lack of Canadian experience limited her ability to climb the corporate
ladder. To overcome this challenge, she started her own business. Carolina
formed ColombiaExotic to bring some of her favourite Colombian fruits to
Canadian supermarkets. She became among the first distributors of an exotic
fruit called yellow pitahaya.
Carolina first learned about business structures from a Connect Legal workshop.
Further volunteer lawyer assistance enabled her to read and negotiate supplier
contracts with confidence. After just 12 months in business, Carolina imported
over two tons of yellow pitahaya per week and is quickly expanding to other
product lines.
"The lawyer explained to me about my liability, how to protect my interests in the
worst scenarios and let me see all the blind spots. There are just a lot of [legal]
landmines in business." Carolina believes that Canada is a country of possibilities
and anyone can achieve their goals with hard work and perseverance.
Page 9
Hiring Employees
To build a good relationship with your employees while protecting your business,
take the time to:
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Get to know all the laws that protect employee rights, getting legal
advice as necessary.
Draft a good job description so that both you and your employee can
evaluate whether the employee is doing a good job.
Use an employment contract that complies with existing laws:
o The law states that some employee rights (such as minimum wage)
cannot be changed by the contract;
o A contract can offer the employer certain protections such as
ensuring that the employee does not go to a competitor and that
confidential information is not shared with others.
Make deductions and file government documents and returns.
Make employee decisions based on job performance.
Keep detailed records of all employee matters e.g., vacation, sick days,
performance evaluations, problems and jobs well done.
Consider:

What is the true cost of hiring each employee: are you ready to commit to
an employee including all wages, training costs, mandatory payroll taxes
and remittances and potential severance costs?
Next Steps:
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
Visit the Government of Ontario’s A Workbook for Employers web page.
Visit the Canada Revenue Agency’s Hiring an Employee web page.
Page 10
Protecting Your Name and Products
To protect your business name and reputation, search online for similar names in
use when you register your name with the government. Your name receives
limited protection where you do business, but consider paying for a trademark
for enhanced cross-Canada protection. As your business grows, speak to a
lawyer about more ways to protect your business name and products.
Next Steps:
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
Ensure your business name is registered with the government.
Consider registering a trademark with the Canadian Intellectual Property
Office.
Passing on Your Family Business
Who should inherit your business? Your legal will ensures that your business
interests are distributed according to your wishes in a timely and cost-effective
manner. If a business has multiple owners, all owners need to plan how the
business can survive.
Consider:

What will happen to your business if something happens to you or your
partner? How will your family pay the bills?
Next Steps:
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
Seek a lawyer’s help to draft or revise your will. There are special
requirements in law that must be satisfied for a will to be valid.
Make business arrangements in the event something happens to you to
ensure your wishes are carried out.
Page 11
Renting versus Buying – Space and Equipment
Starting a business may have significant upfront property and equipment costs.
When deciding whether to rent or buy think about more flexible and less costly
alternatives:
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Instead of renting a long-term space, consider sharing a desk, renting a
stall, using an agent or operating online.
When choosing a location, consider your all-in costs, uses permitted and
convenience for your customers.
For equipment consider quality, customization needed, availability of
customer support and the reputation of the seller or lessor.
Your space and equipment commitments should be flexible.
Consider:
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Do you have cancellation rights? What are the penalties?
Who are your neighbours? Are they a good fit for your business?
Are you allowed to operate your business out of your house?
What insurance do you need?
Next Steps:
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Figure out what your business can afford and be careful not to over
commit.
Carefully research the seller, landlord or person renting to you.
Review the lease or purchase agreement and negotiate concessions,
preferably with advice from a lawyer.
Page 12
Case Study: Oriental Falls Spa v Turk Investments Ltd.
Oriental Falls Spa launched legal action against Turk Investments for return of the
deposit after their agreement to lease was terminated. This commercial lease
was conditional on Oriental Falls Spa obtaining the proper business license,
which required the appropriate zoning to be in place.
It was the landlord’s responsibility to ensure that the zoning covered the
proposed use of the business – but he failed to do so. By failing to secure the
proper zoning, the landlord broke their agreement.
Ultimately, this husband and wife business team was entitled to their money
because the landlord had breached the warranty that zoning would be in
place. This is an excellent lesson in understanding your rights as a tenant and
ensuring your lease protects your business.
Page 13
Marketing
Telling potential customers that you are offering products and services is vital to
the growth of your business. However, when you are advertising, you must
ensure that you do not violate the Competition Bureau of Canada guidelines.
Advertising is generally acceptable if it is not fraudulent, misleading or
deceptive.
To find customers, consider who your target customers are and what type of
advertising they will be most impacted by (Google ads, newspaper ads, radio,
etc.). You may also consider building a website to help you advertise your
business online. Websites establish credibility and help you to market your
business.
Consider:
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Creating appropriate a privacy policy and using customer information
accordingly.
How to protect customer data from theft.
Ways to ensure that you do not spam your customers.
Next Steps:
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Visit the Competition Bureau of Canada’s website.
Visit the Privacy Guide for Small Business at the website of the Privacy
Commissioner of Canada.
Review Canada’s Anti-Spam Legislation
Page 14
Connect Legal Workshop and Free Lawyer Matching
Programs
Connect Legal offers workshops on legal issues for small businesses in
cooperation with Community Partners. These workshops are ideal for new small
business owners looking to get a good overview about the legal issues that
would apply to their small business. If you would like to become a Community
Partner, please contact us.
Connect Legal also offers free one-on-one legal advice for eligible low-resource
small business owners who are new to Canada. A volunteer lawyer can help
you:
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Review government rules and regulations to help your business
successfully operate.
Create or review contracts for use when buying or selling products and
services.
Other legal matters related to the growth of your business.
Connect Legal also has many resources and useful links on legal issues for your
small business. See our website for eligibility criteria and further details of our
programs.
Visit us at http://www.connectlegal.ca.
Page 15
Front cover photo: Carolina Velez, Colombia Exotic
Courtesy of Jacquie Labatt
Back cover photo: Karla Polanco, Panda Party Inc.
Written, edited, and produced by
Connect Legal: Advice for Immigrant Entrepreneurs
With funding from Ontario Women's Directorate
Phone: 416-964-3933
Website: http://www.connectlegal.ca
E-mail: [email protected]
20 Bloor Street East
P.O. Box 75005
Toronto, ON M4W 3T3
Registered Charity Number:
84434 5264 RR0001
Appendices
Appendix 1:
Women Specific Resources
Research conducted by the Canadian Women’s Foundation confirms that
women face different challenges in achieving economic success. Women
define ‘economic success’ in the context of their life situation, therefore it is
particularly important for women to have a holistic range of support. In 2009,
nearly 1 million Canadian women were self-employed.1 Connect Legal has
prepared a list of resources in hopes of empowering women to manage
competing priorities and gain control over their economic futures.
DISCLAIMER: Links and third party organizations referenced in the Connect Legal
Manual for Self-Employed Women are provided as a convenience for readers
and are intended for information purposes only. Their inclusion in this Manual
does not constitute an endorsement or recommendation from Connect Legal
and readers should make their own determination about whether these
resources will be helpful to them. Please note that for-profit organizations are
contained entirely in the sections entitled “Building Your Network “ and “Making
a Good Impression” and are identified with an asterisk (“*”). All other links and
third party organizations referenced are non-profit or government organizations.
A. Exploring Your Potential
Self-employment can be a good option for people who crave independence
and flexibility. While more women are starting their own businesses, women are
still less likely than men to do so. A study conducted by BMO Financial Group
revealed that 71% of Canadian women would like to start their own business. 2
Are you one of them?
Find out if you are by completing the Connect Legal Quiz in Appendix 3.
Next, measure your entrepreneurial potential by completing a self-assessment
questionnaire created by the Business Development Bank of Canada.
1
2
Statistics Canada. Women in Canada: A Gender-based Statistical Report – Paid Work (May 2013).
BMO Financial Group. BMO Women’s Day Study (March 2012).
Page 18
B. Getting Started
In Canada, 2 of 3 new businesses do not survive their fifth year. These odds
improve substantially if the business goes through an incubation process. 4 out of
5 small business owners who participated in a formal training and development
program continue to thrive after 5 years.3
Canada Business Ontario – “Women in Business Guide”
– Introduces aspiring women entrepreneurs to national resources
MicroSkills
– Offers training and support services to women who want to
establish and operate small businesses
Ontario Chamber of Commerce – Affinity Programs
– Offers business support and group insurance for self-employed
persons
Prosper Canada
– Offers services to improve financial literacy and asset building in
order to develop and advance a broader range of proven
financial empowerment approaches
Skills for Change
– Offers immigrant and employment services include professional
development and training.
YWCA
– Offers literacy, life skills, employment and counselling programs, and
childcare services
Don’t forget to check local university business programs and colleges for tradespecific programs!
3
Ministry of Research and Innovation. Ontario Business Report. Business Incubation to Support Business Growth
(2012).
Page 19
C. Financing Your Business
Women entrepreneurs are often able to acquire some form of external
financing. However, they are less likely to be approved for short-term debt
financing, such as lines of credits and credits cards, than their male
counterparts. In 2007, only 77% of women entrepreneurs were approved. This is
strikingly low in comparison to the 94% of male entrepreneurs who were
approved.4 Access to financing is a significant barrier to success. Consider
alternative means to traditional financing.
Access Community Capital Fund
– Up to $5,000 for first time borrowers and $10,000 for second time
borrowers.
Alterna Savings Community Micro-Finance Program
– Loans range from $1000 to $15,000
Futurpreneur Canada
– Up to $15,000 in start-up financing + partnership with BDC
– Business mentorship for 2 years
Ontario Women’s Directorate: Microlending Program
– OWD’s Microlending for Women program supports low-income
women who are seeking to start their own business by providing
financial literacy training, entrepreneurial mentoring and skills
development and life skills support.
Nishnawbe Aski Development Fund (OWD Program)
– Offers microlending circles for Aboriginal women in northwestern
Ontario
PARO Centre for Women’s Enterprise (OWD Program)
– Offers a microlending program to remote communities in
northeastern Ontario for Aboriginal, Francophone and rural women
4
Industry Canada. Financing Profile: Women Entrepreneurs (October 2010).
Page 20
Welland Heritage Council (OWD Program)
– Offers a microlending program for immigrant and francophone
women in the Niagara region
Women’s Center of York Region (OWD Program)
– Offers a microlending program in the York Region to graduates of
their business training program
YWCA Hamilton (OWD Program)
– Offers a microlending program to women in the Hamilton region
D. Protecting Yourself and Your Family
Despite the fact that men are becoming more involved with housework, women
still dedicate more time to family responsibilities than men. Women spend over
double the amount of time than men in taking care of young children and
seniors.5 In order to succeed as entrepreneurs, women could greatly benefit
from childcare support and resources to manage other family-related issues.
Family Law Education for Women
– Provides broad range of online and printed resources in different
languages
Family Law Resources in Ontario (Community Legal Education Ontario)
– This booklet contains a directory of legal resources, information and
referral sources.
Legal Aid: Types of Help
– Resources to get support for different family law issues
North York Community House – Family Support Program
– Offers services targeted to newcomers to Canada of all ages
Ontario Women’s Justice Network
– Provides resources to women at risk of being subject to violence
5
Statistics Canada. Women in Canada: A Gender-based Statistical Report – Families, Living Arrangements and
Unpaid Work (May 2013).
Page 21
Ontario Ministry of Attorney General
– Describes how the court system can help resolve family law related
issues
Ontario Ministry of Education
– Provides different licensed childcare options in Ontario
E. Building Your Network
Developing new business contacts and connections can help women open
doors. Networking is about creating a community of support where people can
learn from each other. Consequently, 8 in 10 women say that access to role
models or mentors would be critical to their success as business owners.6
Please note that many of the organizations contained the following section are
for profit businesses. These businesses are identified with an asterisk * to
distinguish them from non-profits and government run organizations. As with all
organizations listed in this Manual, their inclusion is for informational purposes
only and does not constitute an endorsement or recommendation from Connect
Legal.
Business and Professional Women's Clubs of Ontario *
– Membership in BPW Ontario provides women with personal
development tools to help them achieve their career goals
Company of Women *
– Membership provides cost-effective solutions for purchasing health
care services and stationary
Ember Business Exchange *
– A networking community targeted to women entrepreneurs
Mombiz *
– Teaches women how to run a successful business while putting their
roles as moms first
6 BMO Financial Group. BMO Women’s Day Study (March 2012).
Page 22
Mompreneur Networking Group Inc. *
– Supports, educates, and empower moms in business
Roaring Women *
– Offers Business growth, Business Support, Marketing Services, Business
Coaching and even “Do it yourself Marketing” to women in
business, female entrepreneurs and independent representatives of
companies
Thorncliffe Neighbourhood Office
– Offers Multicultural Women’s Group and Senior Women’s Group for
newcomers
Women Entrepreneurs of Canada *
– Helps local businesses to expand nationally and internationally.
F. Making a Good Impression
Credibility comes from how you present yourself and your business. It is important
for women to understand how they can best portray what they have to offer.
Dress for Success
– Provides professional attire for disadvantaged women
Mind Tools *
– Offers online resources to help people learn practical skills and
excel in their careers
Right Brain Business Plan *
– Offers services and products to help entrepreneurs develop
business plans in visual and creative ways
WEConnect Canada *
– Certifies women-led firms and connects them with global suppliers
Page 23
Appendix 2:
Links to Helpful Resources
Below are the current links to all the online sources mentioned throughout the
toolkit. For the most updated information please visit the Connect Legal website.
Business Structures
Service Ontario
Rules and Regulations
BizPal
Canada Revenue Agency
Opening a Bank Account
Royal Bank
Scotia Bank
TD Canada Trust
CIBC
Income Support for Small Business Owners
Ontario Works
Ontario Self Employment Benefits Program
Ontario Disability Support Program
Hiring Employees
Ontario Government – “Workbook For Employers”
Canada Revenue Agency – “Hiring An Employee”
Marketing
Competition Bureau of Canada
Privacy Guide for Small Businesses
Canada’s Anti-Spam Legislation
Page 24
Appendix 3:
“Are You an Entrepreneur” Quiz
1. I like working for
a. a regular income
b. the possibility of higher but irregular earnings
2. I prefer:
a. A fixed work schedule with annual vacation time
b. A flexible schedule, but often on-call and with no set vacation time
3. I like:
a. Making my own decisions and taking the risks
b. Getting specific instructions and doing what I’m supposed to do well
4. Unexpected suprises or uncertainty at work:
a. Make me uncomfortable
b. Are just part of life
5. I have an idea for a product or service that:
a. I know there is a demand and market for
b. I’m not yet sure if people are willing to pay for
6. I will describe myself as:
a. creative, self-starting, and competitive if I need to
b. laid-back and follow the lead
7. Routines and structure in my life:
a. are very important
b. make me uncomfortable
Please look to the next page for your results!
Page 25
Answers:
1. a =1 point
b =2 points
2. a =1 point
b =2 points
3. a = 2 points
b = 1 point
4. a =1 point
b =2 points
5. a = 2 points
b = 1 point
6. a = 2 points
b = 1 point
7. a =1 point
b =2 points
11-14 points: Congratulations! Go for your entrepreneurial dream and you will
reach your goals!
7-10 points: You have the work ethics and determination. Work hard and don’t
give up, you too can become an entrepreneur!
Page 26
Appendix 4:
How to Avoid Legal Troubles
Page 27
Appendix 5:
Checklist for Creating and Using Contracts
1. Are the parties to the contract named?
2. Do the signing parties have the authority to enter the
contract?
3. Are the important terms defined and do you
understand them?
4. Does the contract specify important terms such as,
timing, quality, payment provisions and penalties?
5. Does the contract specify what happens if one party
does not do what they promise (Breach of Contract)?
6. How and when does the contract end?
7. Does the contract specify what happens in the event
of a dispute? How will it be resolved?
8. Are all the pages of the contract numbered?
9. Have all the parties signed the contract?
10. Do you understand all the terms of the contract?
*This checklist is for information purposes only and is intended as a general guide. Connect Legal
does not assume any responsibility for such information or for any loss or damage that may arise
from the use of the information.
Page 28
Appendix 6:
Sample NUANS Name Search Corporations
A NUANS corporate name search report is required by the federal and most
provincial / territorial governments when granting new corporate names for use.
The reports list similar existing corporate names and trademarks; they are used to
determine the availability of a new proposed name. Ensuring that new
corporate names do not create confusion with others is intended to protect
Canadian businesses and consumers. Below is a sample of NUANS search for
“ROMP ‘N ROAM Dog Walkers LIMITED”:
Page 29
Appendix 7:
Sample Master Business License
Page 30
Appendix 8:
Sample Articles of Incorporation
Page 31
5. Restrictions, if any, on business the corporation may carry on or on powers the corporation may exercise.
6. The classes and maximum number of shares that the corporation is authorized to issue:
7. Rights, privileges, restrictions and conditions (if any) attaching to each class of shares and directors authority with
respect to any class of shares which may be issued in series:
8. The issue, transfer or ownership of shares is/is not restricted and the restrictions (if any) are as follows:
9. Other provisions, if any:
10. The names and addresses of the incorporators are:
First name, middle names and surname or corporate
name
Full address for service or if a corporation, the address of
the registered or head office giving street & No. or R.R.
No., municipality, province, country and postal code
These articles are signed in duplicate.
Full name(s) and signature(s) of incorporator(s), in the case of a corporation set out the name of the corporation and
the name and office of the person signing on behalf of the corporation.
________________
Signature / signature
__________________________________________________________
Name of incorporator (or corporation name & signatories name and office)
________________
Signature / signature
__________________________________________________________
Name of incorporator (or corporation name & signatories name and office)
________________
Signature / signature
__________________________________________________________
Name of incorporator (or corporation name & signatories name and office)
** The format of the form was adapted for this toolkit from the original. You can access the original form with instructions at
Service Ontario Website.
Page 32
Appendix 9:
Sample Business Name Registration
Page 33