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Everyone has rights, but not everyone knows what they are. It is important to know what rights the law gives you. It’s also good to know what responsibilities you have, because that can keep you out of trouble.
This guide, along with videos and podcasts, aims to help Nova Scotians between the ages of 16 and 25 understand your rights and responsibilities under the law. Some of this information is also useful for youth in other Canadian provinces, but most of the laws affecting youth are slightly different in each province.
This page provides legal information, not legal advice.
Download indvidual chapters from the guide:
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Help I've been Charged with a Crime |
Health Care Consent for Mature Minors |
Cyberbullying |
Last Reviewed: Aug 2023
The Youth Legal Information Project (YLIP) was funded by The Law Foundation of Ontario (LFO) Access to Justice Fund. LISNS is working in partnership with Nova Scotia Legal Aid and the IWK Health Centre to serve youth in Nova Scotia.
The fourth edition of Guide for Girls was developed by the Legal Information Society of Nova Scotia, and published by the Nova Scotia Advisory Council on the Status of Women. This guide celebrates the journey that all Nova Scotia girls and youth take while growing up. This is a guide to growing up, a resource to ensure that you feel supported in every step of your journey.
Listen to this podcast from a youth interested in investing.
Youth and young adults can be vulnerable when investing, but they have the most to gain from learning to do it well. Learning about managing money and investing at a young age offers you the best chance to meet your financial goals. These goals might be owning a home, having a family, starting a business or travelling.
Why you might not invest now
Perhaps the biggest reason you might not invest now is because it’s so hard to picture your future. You are probably more concerned about today than about your retirement. But the rewards of investing take time, and starting early gives you a head start.
You might feel that you do not know where to start because you have no experience with investing. But there is a bright side to being a beginner:
Your first experience with investing might relate to a hobby such as racing dirt bikes or online gaming. You might invest in a better bike or computer equipment by buying these things online. Unfortunately, some of the people selling are out to scam you. Learning about your rights as an investor and consumer while you are young is important. Knowing how to protect yourself from scams and fraud now will help you for the rest of your life.
You are not your parents
Your parents likely didn’t learn much about money when they were your age. If they worked for companies that offered pension plans, they had less need to learn about investing for retirement. And interest rates were higher in the past so simply saving was a better option than it is today. Your parents may have even been afraid of investing.
Your parents or grandparents might live well in retirement in spite of not managing their money wisely or not investing. But you may face a different future.
Young people today have less-stable employment opportunities. You are less likely to have a corporate or government pension plan. And you are more likely to work part time, for yourself, or in the gig economy. Interest rates are at an all-time low, so simply saving or investing in low-return deposit-type investments will not be enough.
Investing is important for you
Investing is more critical for young people now than it has ever been. But there is good news too: the younger you are, the more time you have to invest. You can benefit from the higher returns of long-term investments and from the magic of compounding returns.
Stay away from debt
When you borrow money, the same magic of compounding can cost you. Many young people get into credit card debt with high interest rates. As the interest compounds over time, the amount owing grows and grows. This often happens long before you learn about the benefits of compounding interest and other returns from investing.
The social pressure to own expensive things and live a fun lifestyle combine with easy access to credit cards to create a serious financial risk to young adults. If you can avoid this trap, or get out of it, you will be able to invest sooner and reverse the magic.
Get started
Invest in yourself first by learning the basics of managing money and investing. Have a plan for how you will earn a living. Earning money and managing it well are the first steps to becoming a successful investor.
Get a good education
University and community college are expensive, but they can be a worthwhile investment in your future. The return should be a career you like that pays you enough to have the life you want. Government loans and grants can help you pay for your education. Learn about these, how to manage your money while in school and make a plan to pay off your student loans by visiting https://novascotia.ca/studentassistance/.
Free online resources
This Investor Rights and Protection Guide and the Nova Scotia Student Assistance website are just two excellent resources. You can find other reliable free online resources, including blogs by successful young investors and easy to use money management and investment tools. These, and a strong commitment to your financial future, put you in a better position to invest and succeed financially than any generation before you.
The Investor Rights and Protection Guide is for all investors. But the tips below will help you, as a youth or young adult, get the most out of it.
When reviewing Types of Financial Investments, think about how important compounding is to a young person with a long timeframe for investing.
When reviewing Investments and Income Tax, think about how you or a family member can take advantage of the grants and tax advantages of Registered Educated Savings Plans (RESPs) to invest for your education costs after high school.
When reviewing Rights for Deposit-type Investments, think about how low interest rates mean the returns from investing in deposit-type investments are much less than they were for your parents’ generation.
When reviewing Regulation of Security-type Investments, think about visiting the Young Investor section https://nssc.novascotia.ca/younginvestors of the Nova Scotia Securities Commission (NSSC) website for ideas and tools designed for young investors.
When reviewing Fraudster Investment Schemes, think about how you can learn from others’ mistakes instead of your own. You can visit LISNS Consumer Protection page for more information to protect you as a consumer. Your familiarity with technology can make you less vulnerable to certain schemes and more capable of doing online research to protect yourself.
When reviewing Fees and Investment Returns, think about how learning about fees early, being comfortable with technology, and having access to great do-it-yourself (DIY) investing resources can help you to be more successful than older investors using higher-fee options.
When reviewing Investing and Financial Planning, think about how investing is only one aspect of your overall financial plan. A financial plan which helps you manage your money and reduce or avoid debt now will have you ready to invest sooner and with more confidence.
Our legally trained counsellors provide free, practical information about the law in Nova Scotia, Canada. We will try to answer your questions and suggest where to start to get help with your legal problem.
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The Legal Information Society of Nova Scotia (LISNS) provides legal information, not legal advice. The information on this page is not intended to replace legal advice from a lawyer. If you have a legal problem or need legal advice, you should speak to a lawyer.
Frequently Asked Questions on the Youth Text Line
Bullying is when someone has or is trying to hurt someone - whether it’s your body, feeling, self-esteem, reputation or by damaging your property. Helping or encouraging bullying is also bullying.
You are not alone. Trust the way you feel, and you’ll know what to do. Go to a safe and trusted person and share what is going on.
If you are still in grade school, you can report bullying here.
If you are being cyberbullied, or people are sharing intimate images of you online, you have options.
The CyberScan unit can help victims understand their options and navigate the justice system. They offer voluntary dispute resolution services, including advice, negotiation, mediation and restorative justice approaches to everyone involved.
Remember:
For more information, go here.
Sexual harassment is when you are experiencing unwelcome sexual advances, requests for sexual favours, or other verbal or physical harassment that could be considered sexual in nature. For example, if someone keeps asking you to go on a date, and will not take no for an answer - it might be sexual harassment.
If you feel like someone is harassing you, it is important to speak with a trusted person in charge. A teacher/professor, counsellor, or manager can and should be able to help you.
For more information on sexual harassment, and to find support if you are being sexually harassed, you can click here.
Assault is when someone is intentionally using force against you without your consent. Sexual Assault is a form of assault that involves circumstances that violate your sexual integrity, such as touching, kissing, fondling, or intercourse without your consent.
If you have been sexually assaulted, it is important to report it to the proper people. For more information on what happens when you report, click here.
For more information on sexual assault, click here.
It is against the law to assault, threaten, or harass another person. It does not matter whether the people are strangers, friends or family members, whether they are married or living together, or whether they are dating or living together. The law also clearly states that parents and caregivers cannot abuse their children, or allow another person to abuse their child.
For more information, go here.
If you feel like your doctor is being inappropriate, you may file a written complaint with the College of Physicians and Surgeons of Nova Scotia.
Remember: you always have the right to get a second opinion. If you feel that your care needs are not being met, this may be a good option to explore.
For more information about this process, you can go here.
The Personal Health Information Act (PHIA) gives you the right of access to your own personal health information. The PHIA sets out rules to protect your privacy, as well as the collection, use, disclosure, retention, and destruction of your personal health information.
For more information about how to access your Personal Health Information, fees, corrections to the records, and more, click here.
Employment law deals with the relationship between employers and their employees. Employment law includes statutes, workplace contracts or policies, and common law (court cases).
The Canada Labour Code and the Nova Scotia Labour Standards Code set minimum standards for employment, such as hours of work, minimum wage, overtime pay, vacation and holiday pay, severance pay and employment of youth. They also provide a way for employees to recover wages owed and to make complaints about employment practices. These federal and provincial labour codes apply to full-time, part-time, and casual employees.
For more information on employment law and your rights as an employee, click here.
The police can ask you questions, but they must let you go if there is no reason to hold you. They must have a reason to stop you. If an officer has a ‘reasonable suspicion' that you were involved in a crime, this is enough to justify stopping you on the street.
The police have a right to detain people for investigative purposes. If it is based on a reasonable suspicion that the person is implicated in the criminal activity under investigation, it can be considered lawful.
If you are arrested, they must tell you the reason for the arrest and you must provide your name. This is to allow the officer to complete their process. The police are also supposed to inform you of your right to speak with a lawyer.
If you have been arrested, you can be handcuffed and you can be searched.
Remember as many details about the situation as you can. Once you are released, consider taking notes of the interaction and the details that you can remember.
For more information about what happens at the police station, how to find a lawyer, and police search, click here.
There are different rules for different types of tickets.
For Traffic tickets ( violations under the Motor Vehicle act or a parking ticket), you will need to follow the instructions on the ticket. For more information, go here.
For any other ticket, if you are under the age of 18 you must appear at an arraignment hearing. The date, time, and location will be on your ticket. You can find a sample ticket here.
You can find more information about tickets here.
If you have been arrested, the police can search you.
If the police have not placed you under arrest, the police should only search you if:
If you do not agree to a search, calmly tell the police. Silence could be seen as an OK to be searched.
For more information, click here.
If you have been a victim of a scam, or fraud, you must immediately contact your financial institution (bank) and let them know that you believe you are a victim of a scam or fraud. Financial institutions will have a process for this, so it is best to have a conversation with them.
You can also report the scam/fraud to the Canadian Anti-Fraud Centre.
For more information, including about what to do if it involves a credit card, go here.
For more information about identity theft, protecting yourself from scams and frauds, and what to do if your personal information and identification get stolen, go here.
Going to court can be intimidating, overwhelming, and scary. Learning more about the court system can sometimes help control these emotions.
For more information about going to court, click here.
If you have been in a car accident, be sure to call 911 to report it to the police. They will come to the scene of the accident, as well they may bring Fire and Ambulance to review the scene and accident.
Be sure to exchange insurance information with everyone who was involved in the accident.
For more information, go here.
It is an offence under Nova Scotia’s Motor Vehicle Act to drive without insurance. Drivers must provide a Statement of Insurance to the Registry of Motor Vehicles when registering or renewing vehicle registration.
If a driver without insurance injures you or damages your vehicle, you may make a claim under the uninsurance and unidentified driver section of your own insurance policy. This is typically under Section D of a standard automobile insurance policy.
For more information, click here.
If an unidentified driver injures you or damages your vehicle, you may make a claim under the uninsurance and unidentified driver section of your own insurance policy. This is typically under Section D of a standard automobile insurance policy.
For more information, click here.
Renting an apartment, and entering into a lease agreement can feel overwhelming. It can also lead to a number of legal questions and situations that you may need some clarification on. For more information about renting and residential tenancies, go here.
Landlords evicting tenants to renovate (renoviction) is an overwhelming, and frustrating situation. Know that there are rules that your landlord must follow to do this, and if they are not adhering to those rules, you do have options.
For more information on renovictions, click here.
Currently, there is a ‘rent cap,’ or a limit to the increase on rent that your landlord can implement. The current cap is 2% of your rent. However, this is a temporary restriction, as it is in place until December 31st, 2023.
For more information on the rent cap, you can go here.
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