The laws that govern a condo syndicate in Quebec
The Civil Code first, in force since 1994, then three reforms: Bill 141 (insurance), Bill 16 (registry and maintenance) and Law 25 (personal information). What each one requires, and what CondoAide does to help.
One Code, three reforms
The Civil Code of Québec, in force since 1994, sets the rules for the syndicate and its finances. Bill 141 reformed insurance, Bill 16 the registry and maintenance, Law 25 personal information.
Civil Code · syndicate, charges, budget
- in force since 1994
Bill 141 · insurance
- assented
- insurance in the C.C.Q.
- liability $1M / $2M
- chartered appraiser, at least every 5 years
- minimum fund contribution
Bill 16 · registry, logbook, fund
- assented
- Decree 991-2025 in force
- first logbook and study
Law 25 · personal information
- assented
- person in charge, incidents
- policies, PIA
- portability
The obligations, one per row
The article that imposes it, the deadline, who must act, and the part CondoAide takes.
| Obligation | Article | Deadline | Who | CondoAide |
|---|---|---|---|---|
| Civil Code: the syndicate and its finances | ||||
| Keep the declaration of co-ownership and its amendments | 1038 C.C.Q.1059 C.C.Q.1060 C.C.Q.1070 C.C.Q. | Deadline: at all times; amendments to the building by-laws filed in the registry | Who: Syndicate (notarized and published declaration) | The professional does the work; CondoAide keeps it on file and follows up: Declaration in the registry; fractions and relative values taken from it with your approval |
| Set the contribution to common expenses1 | 1064 C.C.Q.1072 C.C.Q. | Deadline: every year, after consulting the meeting of co-owners | Who: Board of directors | CondoAide does it: Budget presented to the meeting, adopted by the board, split by relative value |
| Notify each co-owner of their contributions and when they are due | 1072 C.C.Q. | Deadline: without delay | Who: Syndicate | CondoAide does it: Contribution notice per unit, itemized, with its due dates |
| Send the financial statements and the budget with the annual meeting notice | 1087 C.C.Q.345 C.C.Q.346 C.C.Q.1070 C.C.Q. | Deadline: meeting within 6 months of the fiscal year-end; notice 10 to 45 days before | Who: Board of directors (the Code requires no CPA) | CondoAide does it: Unaudited financial statements in PDF, article 1087 document checklist |
| Keep the books and supporting documents | s. 230(4), ITAs. 35.1, TAA | Deadline: 6 years after the end of the last fiscal year they relate to | Who: Syndicate (tax laws, not the Civil Code) | CondoAide does it: Invoices kept, deadline counted from the fiscal year-end |
| Bill 16: registry and transparency | ||||
| Keep the syndicate’s registry | 1070 C.C.Q. | Deadline: at all times | Who: Syndicate | CondoAide does it: Digital registry organized under article 1070 |
| Send the board’s minutes to the co-owners | 1086.1 C.C.Q.1070 C.C.Q. | Deadline: within 30 days of the meeting or resolution | Who: Board of directors | CondoAide does it: Signed minutes filed in the registry; announcement to every co-owner |
| Provide the syndicate certificate | 1068.1 C.C.Q.Decree 991-2025, s. 10 | Deadline: within 15 days of the request | Who: Syndicate | CondoAide does it: Certificate generator, due date shown |
| Have the maintenance logbook prepared2 | 1070.2 C.C.Q.Decree 991-2025, s. 1, 4, 5 | Deadline: by August 15, 2028; updated every year, revised at least every 5 years | Who: Board of directors (prepared by a qualified professional) | The professional does the work; CondoAide keeps it on file and follows up: Keeps the logbook, tracks maintenance done and due |
| Obtain the contingency fund study2 | 1071 C.C.Q.Decree 991-2025, s. 7, 8 | Deadline: by August 15, 2028, then at least every 5 years | Who: Board of directors (performed by a qualified professional) | The professional does the work; CondoAide keeps it on file and follows up: Keeps the study, tracks contributions |
| Bill 141: insurance3 | ||||
| Set up the self-insurance fund4 | 1071.1 C.C.Q.1072 C.C.Q.r. 4.1, s. 2 | Deadline: contribution set every year | Who: Syndicate (contribution set by the board) | CondoAide does it: Computes the year’s minimum contribution |
| Take out third-party liability insurance | 1064.1 C.C.Q.r. 4.1, s. 1 | Deadline: at all times | Who: Each co-owner | CondoAide does it: Collects the proofs, tracks their expiry |
| Insure the building at its reconstruction value5 | 1073 C.C.Q.r. 4.1, s. 3 | Deadline: appraised at least every 5 years | Who: Syndicate (appraisal by a chartered appraiser) | The professional does the work; CondoAide keeps it on file and follows up: Records the appraisal, reminds you when it is due |
| Law 25: personal information | ||||
| Publish the title and contact details of the person in charge | 3.1, P-39.1 | Deadline: at all times | Who: Person with the highest authority (may delegate in writing) | CondoAide does it: Person in charge recorded with title and contact details |
| Establish and publish governance policies | 3.2, P-39.1 | Deadline: at all times | Who: Syndicate (approved by the person in charge) | CondoAide does it: Prepares and publishes the policy |
| Record incidents, notify the Commission | 3.5 to 3.8, P-39.1r. 3.1, s. 8 | Deadline: notify promptly; register kept at least 5 years | Who: Syndicate | CondoAide does it: Incident register, PDF export |
| Answer access and rectification requests | 27, 28, 30 and 32, P-39.1 | Deadline: in writing, within 30 days of receipt | Who: Person in charge | CondoAide does it: Requests recorded, reply due date shown |
CondoAide does itthe professional does the work; CondoAide keeps it on file and follows up
Sources
- arts. 345 to 347 and 1038 to 1109 of the Civil Code of Québec
- Income Tax Act (R.S.C. 1985, c. 1, 5th Supp.)
- Tax Administration Act (CQLR c. A-6.002)
- Bill 141 (S.Q. 2018, c. 23)
- Regulation respecting various insurance measures for divided co-ownerships (CQLR c. CCQ, r. 4.1)
- Bill 16 (S.Q. 2019, c. 28)
- Decree 991-2025, Regulation respecting various rules in matters of divided co-ownership
- Act respecting the protection of personal information in the private sector (CQLR c. P-39.1)
- Regulation respecting confidentiality incidents (CQLR c. A-2.1, r. 3.1)
- Law 25 (Bill 64, S.Q. 2021, c. 25)
Table and timeline checked on October 24, 2026 against the texts above. This page summarizes the law; it does not replace advice from a lawyer, a notary or a member of the relevant professional order.
Track your obligations in one place
Budget, contributions, registry, insurance and personal information: CondoAide keeps what must be kept and reminds you of upcoming deadlines. Free for up to 5 units.