Conduct

CIRO ethics, NI 93-101 fair dealing, conflicts (identify, avoid, address, disclose), outside activities, and a hard line against personal financial dealings with clients.

1. 8.1–8.2

   Conduct and conflicts

   • Act openly and fairly, on just and equitable principles of trade.
   • If a product no longer fits (and you are paid on it), stop recommending it and offer a suitable alternative.

2. 8.4

   Personal financial dealings

   • Do not lend to clients — even a documented, interest-free, well-meant margin-call loan is a violation.
   • Do not use a client’s login, even if they offer it.
   • Decline client gifts/hospitality that create a conflict (e.g. a free vacation stay).