The Corporate Services department is responsible for providing financial reporting, policies and procedures, services and support to other town departments and external entities in order to ensure the town’s operations are effectively managed. Our major responsibilities include:
- Providing information, reports and analysis to town Council, the public, and town departments regarding financial operations
- Establishing, developing, and maintaining accounting systems and procedures related to financial activities for town operations
- Billing and collecting property taxes, as well as water & sewer charges
- Preparing the town’s annual financial statements, operating and capital budgets
- Processing accounts receivable and accounts payable
- Managing cash, investments and borrowing of funds
- Maintaining corporate procurement and purchasing bylaw
We provide advice on financial matters to the Mayor, the Council and the town staff. Get in touch with us by contacting our Director of Corporate Services, Monika Malherbe.
Below is a quick list of important downloadable documents, in regards to the Town of Cochrane’s corporate services.
We have prepared a specific infographic that shares with you a summary of the town’s budget dynamics. This infographic and the financial numbers are based off of the fiscal year 2015. Expect a new version for 2017 to be uploaded and displayed shortly. To learn more, please get in touch with our Director of Corporate Services, Monika Malherbe.
DIRECTOR CORPORATE SERVICES
171 Fourth Avenue
Cochrane, ON P0L 1C0
Telephone: (705) 272-4361 | ext. 225
Our FilePro document center stores copies of all past and present Town of Cochrane financial statements. Simple browse, view, and or download the town’s latest financial statements by clicking on the link below.
The Human Resources department manages the town’s most valuable resources; its employees. The department’s essential functions and areas of service are Town of Cochrane employee relations and benefits, corporate safety programs, as well as training and development initiatives.
The employment areas that the Human Resources department is responsible for include the following sectors:
- Public Works
- Water & Wastewater
- Engineering & Environmental Services
- Municipal Planning & Development
- Financial Services
- Municipal Administrative Services
- Fire Suppression Services
HUMAN RESOURCE MANAGER
171 Fourth Avenue
Cochrane, ON P0L 1C0
Telephone: (705) 272-4361
Looking to apply for a position within the town? Below are links to the most current application forms. Your first steps to being employed with the Town of Cochrane.
The Corporation of the Town of Cochrane’s tax department operates within the Corporate Services division and is responsible for the billing and collections of all interim, final and supplementary property tax billing. The property tax department also complies with a number of provincially mandated programs including the commercial and industrial vacant unit rebate and the registered charity rebate programs.
Property tax adjustments, such as section 357/358 applications under the Municipal Act, Assessment Review Board decisions and request for reconsiderations that adhere to the Assessment Act, are all processed by the property tax department as well. The property tax department has three pre-authorized payment plans available to accommodate ratepayers with their budgeting processes.
WHERE TAX DOLLARS ARE SPENT
On the ‘Financial & Budget’ tab above, we have prepared a specific infographic that shares with you a summary of the town’s budget dynamics. This infographic and the financial numbers are based off of the fiscal year 2015.
HOW TAXES ARE CALCULATED
The amount of property tax payable on each property is the result of a calculation based on four variables:
- The current value assessment of your property (provided by the Municipal Property Assessment Corporation – MPAC)
- The tax class into which your property is classified
- The tax rates for the applicable tax classes (approved annually by your elected Council)
- The tax rate for the education portion of that class (received annually from the Province of Ontario)
Property taxes are calculated using the current value assessment of a property and multiplying it by the combined municipal and education tax rates for the applicable class of property. This calculation is on your tax bill that you receive in June each year.
FREQUENTLY ASKED QUESTIONS
How do I obtain information on my property taxes?
When are the property taxes due?
The Town of Cochrane has 4 installment dates per year for property taxes.
Interim bills are mailed in January with the installment dates being the last business day in February & April*.
Final bills are mailed in June with the installment dates being the last business day in July & September*.
Supplementary bills – installment dates vary pending delivery date.
*these dates to not included any assessment adjustments due to assessment adjustments
How do I pay my property taxes?
Who do I make the cheque payable to?
All cheques must be made payable to the Town of Cochrane.
How can I obtain a tax receipt?
Your final tax bill provides all information you require for income tax purposes. In the event that you require a reprint of the tax bill or an official tax receipt there will be a $10.00 administration fee.
A receipt will be provided free of charge if you attend the Town Hall at the time of payment with a copy of your tax bill. At which time our staff would stamp your bill as payment received. This can also be done if you send your payment by mail and include the copy of your bill along with a self-addressed stamped envelope, at which time we would stamp your bill and return it to you by mail.
How do I sign up for the pre-authorized payment plan?
How do I cancel my pre-authorized payment plan?
To cancel your PAP plan all you need to do is provide a written request to remove the plan from your account. When an ownership change occurs, we automatically remove the plan from the account as soon as we receive notification from the lawyers involved in the sale transaction.
Does the tax department accept post-dated cheques?
We do accept post-dated cheques for all payments.
How do I change my name or have a name removed from my tax account?
Our tax system must match the information that was registered at the Land Registry Office. These changes must therefore be made at the Registry’s office. A copy of the completed transfer must then be submitted to the Property Tax department.
How much is a tax certificate?
The Town of Cochrane has an administration fee of $50.00 per property tax roll for all tax certificate requests.
I removed my swimming pool, how can I receive my tax adjustment?
Before making any changes to your property, please contact our Building & Planning department or visit them at the Cochrane Fire Hall. There is a section on our website dedicated to the Building Department. They will inform you of the process. The Property Tax department will then receive confirmation from the Building & Planning department and make all necessary adjustments once MPAC has adjusted the assessment, if applicable.
If I build a garage or an extension to my house, will my taxes go up?
Yes, this new structure will add value to your property which in turn will increase the assessed value. The assessed value is in turn multiplied by the set tax rate which gives you your total annual taxes.
UNDERSTANDING YOUR TAX BILL
Contains the identification information of the property which includes the roll number, mortgage company and number, owner's name and mailing address, as well as the property location and description.
Lists the classification(s) of your property. The tax class codes are broken down by class, qualifier and education support. The class codes are either 2 to 4 alpha and/or numeric codes. These classifications are assigned by MPAC.
This shows the current value assessment (CVA) of your property as assessed by the Municipal Property Assessment Corporation (MPAC).
Provides a breakdown of your property taxes. The municipal tax rates are set by your elected town Council, while the Education Tax rates are set by the Province. The rates are multiplied by your current value assessment.
Shows any charges or credits that are specific to your property.
Summarizes your total taxes levied, your total special charges and credits, and any capping adjustments. The total amount due for your billing is also noted in this area. Information on the total yearly taxes can also be found in this section, as well as any carry forward amounts.
Payment stubs are to be submitted along with your payment. The bar codes on the stubs facilitate data entry when making payments at Town Hall. Please retain your final bill for income tax purposes. Any reprint creates a $10.00 administration cost.
SUPPLEMENTARY & OMITTED TAX BILLS
What is a supplementary assessment?
A supplementary assessment is an additional (increase in value) resulting from property improvements or changes, which were not reflected in the property tax bill for the current year and occurred after the return of the assessment roll. A supplementary assessment can be processed for the following reasons:
- There is an increase in property value because of a new building or improvement;
- A property ceases to be exempt from taxation or ceases to be eligible for assessment at the farm value, managed forest, or conservation lands;
- A property ceases to be classified in a subclass of real property, farmlands awaiting development, commercial or industrial vacant land;
- A property becomes liable for taxation in a different property class.
What is an omitted assessment?
An omitted assessment is an additional assessment resulting from building a new home or addition, which was not previously recorded on the annual assessment roll. An omitted assessment can be processed for the current year and two preceding years for the following reasons:
- There is an increase in property value because of a new building or improvement;
- To assess and classify land that was previously exempt;
- A property ceases to be classified as managed forest or conservation land.
How do the supplementary or omitted assessments work?
When the town issues a building permit, there will most likely be a value change in the property, which creates a supplementary or omitted assessment. Your property assessment will need to be updated to reflect the completed work as a result of the building permit. The Municipal Property Assessment Corporation (MPAC) will mail you a supplementary or omitted assessment notice. The supplementary or omitted Tax Bill will follow shortly after the MPAC notice is received.
What is a supplementary or omitted tax bill?
For taxation purposes, you will receive a tax bill at a later date called a ‘supplementary’ tax bill. The supplementary tax bill will reflect the additional change in your assessment and taxes owing will be adjusted accordingly.
If the supplementary or omitted tax bill is for a new home, you, as the owner, will be responsible from the effective date of occupancy and/or possession; therefore, creating multiple year supplementary or omitted tax bills.
How is a supplementary tax bill calculated?
Supplementary tax is determined by multiplying the supplementary assessment (increase in value) by the tax rate and prorating this amount based on the number of days the building has been completed or occupied for the year.
Does the notice mean that my property taxes will Increase?
If the supplementary notice is for additions or improvements to your property then your taxes will increase. Keep in mind that your land may have been previously assessed, your supplementary or omitted tax bill will only be for the structure portion of the property. Meaning future years will combine these two assessments.
If your supplementary notice is only for a change in classification, the municipality applies a new tax rate to your property and adjusts the previous calculation with the new information supplied by MPAC. The new tax rate could be higher or lower than what was previously billed. Retain all your MPAC forms to verify your data agrees with all affected documents.
When must the supplementary tax bill be paid?
The bill must be paid by the due date indicated on your tax bill. Additional assessment occurring from building a new home or addition can result in a supplementary tax bill that can amount to thousands of dollars. It is wise to plan for this billing as soon as you start work on your property by putting money aside on a monthly basis to pay the bill when it comes due.
Note: If you are enrolled in the pre-authorized payment plan, any supplementary tax bill issued must be paid separately by the due date indicated on your tax bill, unless notified differently by our office. Should this be your case, please contact the Tax department to discuss the possibilities.
STAYING UP TO DATE
In order for the town to maintain an accurate and up to date database for property taxes, we must receive notification of any mailing address changes. Please take note that the Water & Sewer mailing data is taken from the property tax department mailing data.
It is the responsibility of the property owner to notify us of any changes that affect their mailing addresses. Failure to receive a tax bill does not absolve a taxpayer from responsibility for payment of taxes or penalty & interest charges.
Should you require an address change on your property, please notify us by completing the ‘Change of Address‘ form found at the link below.
All properties in Ontario are assigned property tax classifications by MPAC. The classifications are 3 or 4 alpha or numeric codes with each letter or number holding a specific meaning.
- The first letter in your tax class = Realty Tax Class
- The second letter (or number) in your tax class = Realty Tax Qualifier
- The third and or fourth letters in your tax class = Realty Education QualifierPro
The tables below display each categorized property classifications, qualifiers, and education codes user for the Town of Cochrane.
|RTEP||Residential, Taxable, English, Public Support|
|RTES||Residential, Taxable, English, Separate Support|
|RTFP||Residential, Taxable, French, Public Support|
|RTFS||Residential, Taxable, French, Separate Support|
|MTEP||Multi-Residential, Taxable, English, Public Support|
|MTES||Multi-Residential, Taxable, English, Separate Support|
|MTFP||Multi-Residential, Taxable, French, Public Support|
|MTFS||Multi-Residential, Taxable, French, Separate Support|
|FTEP||Farmland, Taxable, English, Public Support|
|FTES||Farmland, Taxable, English, Separate Support|
|FTFP||Farmland, Taxable, French, Public Support|
|FTFS||Farmland, Taxable, French, Separate Support|
|CTN||Commercial, Taxable, No Support|
|CUN||Commercial, Taxable, Excess Land, No Support|
|CXN||Commercial, Taxable, Vacant Land, No Support|
|STN||Shopping Centre, Taxable, No Support|
|XTN||Commercial, New Construction, Taxable, No Support|
|XUN||Commercial, New Construction, Excess, Taxable, No Support|
|XXN||Commercial, New Construction, Vacant, Taxable, No Support|
|ITN||Industrial, Taxable, No Support|
|IUN||Industrial, Taxable, Excess Land, No Support|
|IXN||Industrial, Taxable, Vacant Land, No Support|
|LTN||Large Industrial, Taxable, No Support|
|LUN||Large Industrial, Excess, Taxable, No Support|
|TTEP||Managed Forest, Taxable, English, Public Support|
|TTES||Managed Forest, Taxable, English, Separate Support|
|TTFP||Managed Forest, Taxable, French, Public Support|
|TTFS||Managed Forest, Taxable, French, Separate Support|
|PTN||Pipeline, Taxable, No Support|
RESIDENTIAL TAX FORMULA
The basic formula used to calculate the residential tax rate is as follows:
- Amount to be raised by taxes / total weighted assessment = Residential Tax Rate
Once the residential tax rate has been determined, all other class tax rates will be calculated using this tax rate base and an allowable tax ratio predetermined for each class.
The amount to be raised by taxes is calculated by looking at all funds that must be raised on the Council approved budget prepared by Corporate Services department. This results in the total amount to be raised through taxation.
MUNICIPAL TAXATION BYLAWS
Below is a table of necessary yearly municipal taxation bylaws for the Town of Cochrane. Simply click on any of the available years to access the relative documentation for that fiscal.
PAYING YOUR TAX BILL
Property tax bills are mailed twice a year. The first bill is the interim tax bill to assist municipalities until the final tax billing process is completed by the Corporate Services department. The interim tax bill is calculated using the current year assessment roll and a portion of the prior year’s tax rate (50%). It is mailed in early January with two installment dates:
- Last business day of February
- Last business day of April
The second bill is the final tax bill, which is calculated by taking the current year assessment roll and the final tax rates as established by Council. It is mailed in June with two installment dates:
- Last business day of July
- Last business day of September
When payment is received by mail it is processed on the same day. Please ensure your payment has ample time to be delivered prior to your installment due date.
PENALTIES & INTEREST
The penalty charge for late tax payments is 1.25% multiplied by the outstanding tax levies calculated on the first business day of each month. Interest is charged on prior year levies that remain outstanding, also at a rate of 1.25%.
PAYMENT APPLICATION REGULATIONS
Property tax payments are legislated to be processed and applied in the following order:
- Interest year three
- Interest year two
- Levies year three
- Levies year two
- Current year levies
These rules apply to all property tax payments received and cannot be altered.
NOTICE OF TAX ARREARS & REMINDER NOTICES
The Town of Cochrane issues reminder & arrears notices for past due levies during the following months:
- MAY: Reminder Notice | Sent after the 2 interim billing installment dates have passed
- OCTOBER: Reminder Notice | Sent after the 2 final billing installment dates have passed
- NOVEMBER: Arrears Notice | Encouraging propmpt payment and urges contact with the tax department
- DECEMBER: Tax Sale Registration Pending Notice | These notices are the first step in the tax sale registration process. Should you receive this notice, the Town of Cochrane Property Tax department urges you to contact us promptly to avoid tax registration and additional tax sale processing fees.
OFFICIAL TAX RECEIPTS & BILLS
Taxpayers must now pay a fee of $10.00 in order to receive a formal receipt for income tax purposes, reprint of their tax bill, or any other information which appears on the final tax bill.
All taxpayers may receive a receipt, free of charge, at the time of payment by providing the office with a self-addressed stamped envelope or by attending Town Hall. If you have paid your property taxes by cheque, your cheque acts as your receipt.
PLEASE NOTE: You may bring in the final tax bill to Town Hall and request that the Property Tax department confirm payment is all up to date, as well as stamp your bill as ‘paid’ at no charge.
Pay in person by visiting the Town Hall municipal office, open Monday to Friday from 8:30am to 4:30pm. Kindly note that the office is closed for lunch between 12:00 – 1:00 Daily. You can pay in the following ways:
- Money Order
- Debit (no credit card payments will be accepted)
PAYMENT APPLICATION & LATE PAYMENT CHARGES
Payments must be received on or before the due date to avoid late payment charges. Postdating your cheque for the due date and mailing as soon as possible is recommended. If paying online, please be aware of your bank’s processing times. Payments will be recorded as of the date of the teller stamp or bank confirmation page (include processing time) confirming payment.
PLEASE NOTE: Changes to Canada Post mail pick-up and sorting may require you to mail your tax bill well in advance of the due date.
PRE-AUTHORIZED PAYMENT PLANS
Below are three available payment plans that allow for tax bill installment methods:
- INSTALLMENT PLAN: Payments that pay four installments each year coinciding with the billing dates on your tax bills
- MONTHLY PLAN: A 10-month plan where payments for February, March, April, May, June cover your interim tax bill, and are withdrawn from your bank account on every 15th of the month. The payments for July, August, September, October, and November cover of your final tax bill and are also withdrawn from your bank account on the 15th of every month.
- ARREARS PLAN: A plan where payment amounts of your choice are withdrawn from your bank account on the last business day of each month.
PLEASE NOTE: There is a $40.00 NSF charge for any rejected payments. In addition, after 2 infractions the PAP option is removed and will no longer be a payment option for the ratepayer.
TELEPHONE & INTERNET BANKING
Tax payments may be made over a secure internet site by registering with your financial institution for online banking services.
PLEASE NOTE: When asked for an account number, you must enter your property roll number (found on your tax bill). Do not include ‘5639’ in the 15 digit field. For example, if we use the tax bill sample above the roll number, which is essentially your account number, would be 010001294000000.
5639 010001294000000 – the bold is your roll number
Payments may be made at CIBC, Scotiabank and Caisse Populaire on or before the due date. Taxpayers are required to present their tax bill at the time of payment. The financial institution may charge a fee for this service.
Please make cheques payable to the ‘Town of Cochrane‘. Please write your property tax roll number on the front of your cheque and be sure to enclose your property tax bill installment stubs.
Ask your mortgage company to arrange for payment of property taxes as part of your monthly mortgage payments.
TAX REBATES & REDUCTIONS
VACANT UNIT REBATE
Section 364 of the Municipal Act, 2001 provides for rebates to vacant business units at the same percentage as discounts afforded to property owners of vacant and excess land. These percentages are 30% for commercial properties and 35% for industrial properties.
Property owners who are eligible for a rebate must submit an application to the municipality each year that a building, or portion of a building, is vacant. To be eligible for a rebate, a building or portion of a building must satisfy the following:
- BUILDINGS THAT ARE ENTIRELY VACANT: A whole commercial or industrial building will be eligible for a rebate if the entire building is vacant for at least 90 consecutive days.
- BUILDING THAT ARE PARTIALLY VACANT: A suite or unit within a commercial building will be eligible for a rebate if, for at least 90 consecutive days it was:
- A: Unused and clearly delineated or physically separated from the used portions of the building.
- B: Either capable of being leased for immediate occupation, or not capable of being leased for immediate occupation because it was undergoing or in need of repairs or renovation or was unfit for occupation.
- A PORTION OF AN INDUSTRIAL BUILDING WILL BE ELIGIBLE FOR A REBATE IF, FOR AT LEAST 90 CONSECUTIVE DAYS, IT WAS:
- A: Unused and clearly delineated or physically separated from the used portions of the building.
The deadline to submit an application for a tax year is February 28th of the following year.
CHARITABLE ORGANIZATIONS REBATE
Under Section 361(1) of the Municipal Act, 2001, every municipality shall have a tax rebate program for eligible charities for the purpose of giving them relief from taxes on eligible property they occupy.
The program is applicable to registered charities that are tenants in a commercial or industrial class property. Deadline for the current year is February 28th of the following year. The minimum percentage prescribed for the calculation of a rebate is 40%.
Registered charities must apply every year for the rebate by completing an application and submitting it to the Property Tax department prior to the deadline.
Below are links to the vacant unit rebate guide and application form. If you believe to be eligible, please download a form, fill it out, and submit it to our Property Tax Clerk, Kim Villeneuve.
A FORMAL REQUEST
The Town of Cochrane, under the Freedom of Information Act cannot release tax information to the public without a formal request for a Tax Certificate. A written request must be submitted to our office along with a payment of the user fee. Effective April 1, 2017 the amount of the Tax Certificate is $50.00 per property tax roll. Tax Certificates can now be paid using a credit card as well as cash or cheque.
Once the information has been processed, we forward the certificate by email. We ask that all requests be received a minimum of 5 days before the required deadline to allow staff sufficient time to prepare the certificate.
Please send your requests to the Property Tax department or email your request to our Property Tax Clerk, Kim Villeneuve with a PDF of your law office letterhead, as well as a PDF of the cheque that is paying the tax certificate fee. Our office now accepts credit card payment for the Tax Certificate fee for your convenience.
UNPAID PROPERTY TAX
If property taxes remain unpaid for a specific period of time, the Municipal Act, 2001 governs the circumstances under which the property may be sold by the Town of Cochrane. The Town may register a Tax Arrears Certificate against title if property taxes remain unpaid for the three years prior to January 1 of any year. These time lines apply to both residential and non-residential classes of property.
A Tax Arrears Certificate indicates that the property will be sold if the cancellation price is not paid within one year of registration of the certificate. Once a certificate has been registered, partial payments cannot be accepted unless the owner has entered into an extension agreement with the Town before the expiry of the one-year period.
The Town may advertise the property for sale for non-payment of taxes if the ‘cancellation price’ is not paid within one year of registration of the certificate. Advertisements are generally published in the Cochrane Times Post for four consecutive weeks and the Ontario Gazette for one week. Tender packages may be found online or at Town Hall.
For legislation governing the tax sale process, including definitions, please refer to the Municipal Act, 2001, S.O. 2001, c.25, including Ontario Regulation 181/03.
For years, properties in Ontario have been assessed to determine their municipal taxation level. In 1970, the government of Ontario took over municipal assessments in order to standardize the process across the province. In 1998, responsibility for property assessment was transferred to the Municipal Property Assessment Corporation (MPAC).
MPAC is a not-for-profit corporation created by the Province delivers a broad range of assessment services to municipalities, all of which are members of the Corporation. They are responsible for assessing all properties in Ontario. These values are provided to municipalities on annual assessment rolls. Municipalities and the Province use these values when they calculate property taxes and education taxes.
HOW ASSESSMENTS ARE DONE
The onus is on the ratepayer to ensure that MPAC has all the correct data in order to appropriately assess your property. Please review your MPAC details online using the ‘About My Property‘ option available to all property owners. You will find your username and password on your property assessment notice mailed to you in November. Should you require assistance, please use MPAC website to guide you. If you have filed a ‘Request for Reconsideration’, your status is now available at aboutmyproperty.ca.
To establish your property’s assessed value, MPAC analyzes property sales in your area. These sales provide a basis for the assessed values of similar properties. MPAC continually collects information about properties to ensure that those with similar features (age, size, location, construction, etc.) have similar assessed values. This method (Current Value Assessment) is used by assessment jurisdictions in most provinces and other countries. The Assessment Act requires that your property’s assessed value be based on what it would likely have sold for on a specific date.
There are five major factors that usually account for 85% of the value:
- Lot dimension
- Living area
- Age of the property, adjusted for renovation and additions
- Quality of construction
Other features that may affect value include:
- Number of bathrooms
- Finished basements
- Waterfront properties
Site features can also increase or decrease the assessed value of your property such as:
- Traffic pattern
- Corner lot properties
- Proximity to a golf course, hydro corridor, railway, or green space
For information regarding your property assessment, please contact the Municipal Property Assessment Corporation (MPAC).
LINKS & DOCUMENTS
Below are important links and documents related to property assessments with the Municipal Property Assessment Corporation.
You may contact MPAC to discuss your assessment or verify details about your property. If you have concerns about your assessment, you may ask MPAC for a reconsideration of your assessment. There is no fee for a ‘request for reconsideration’ (RFR). The deadline is March 31st of the taxation year. You can find RFR applications on the MPAC website. If you do not have access to the Internet, MPAC will send you a copy of the form by mail or fax.
ASSESSMENT REVIEW BOARD
If you wish to file a formal complaint with the Assessment Review Board (ARB). The ARB is an independent tribunal of the Province of Ontario. Starting in 2009, if your property or a portion of it is classified as residential, farm or managed forest, you must first complete the RFR process with MPAC before you are eligible to file an appeal with the ARB.
Application forms can be obtained by contacting the ARB by telephone, by visiting the ARB website, or can be picked up at the local MPAC office. There is a fee for filing a complaint with the ARB. Please contact the ARB for applicable fees. The deadline for filing a complaint for the current tax year is 90 days after MPAC has notified you of its decision on your RFR or March 31st of the taxation year if your property has no residential, farm or managed forest classification.
Both the property owner and MPAC will be asked to appear at a hearing to present evidence to support their arguments. The decision of the Board is final and binding on both parties. You can find out more about the assessment appeal process on the ARB website or by calling their toll free number at (800) 263-3237.
The Town of Cochrane water and sewer billing is handled under Corporate Services and is responsible for the billing and collection of metered water billings in the urban service boundary of the town.
WATER & WASTEWATER BILLING CLERK
171 Fourth Avenue
Cochrane, ON P0L 1C0
Telephone: (705) 272-4361 | ext. 232
Fax: (705) 272-6068
The Water and Wastewater services department works hard to ensure that safe, potable water is delivered to all locations within its distribution system. To learn more about the service and available programs, visit the Infrastructure Services section.