Legal notes

Desjardins transaction sites optimized for mobile devices that require authentication are secure. They also offer the same security and protection as full sites, such as data encryption and security questions.

Desjardins mobile services users are protected by:

• a firewall and intrusion detection software
• data encryption that protects the information sent on the Internet
• internationally-recognized security standards and practices

Hop 'n S@ve and InstaBalance features

Hop 'n S@ve and InstaBalance are available on the l'Alliance mobiles services app. Once set up on a mobile device, they allow users to access some information without authentication. Mobile device users who use Hop 'n S@ve and InstaBalance agree to ensure the protection of their mobile device(s).

Learn more about website security on mobile devices.

The Guaranteed 100% Secure program

The Guaranteed 100% Secure program ensures that you are refunded money lost if you are a victim of fraud done online (on the Web or on your mobile device) or with your Desjardins Access Card, as long as you:

• abide by the online services and the Desjardins Access Card terms of use
• do not disclose your access codes, passwords or PINs to anyone and protect your personal computer equipment
• advise us immediately if you are a victim of fraud and cooperate with us in our investigation

The Guaranteed 100% Secure program is offered at no charge to our individual and business members and clients.

Go to Online security section to find out how we ensure the security of your transactions. The section also includes information on various types of fraud and how to protect yourself.

The Fédération des caisses Desjardins du Québec and the Desjardins Group subsidiaries participating in this site (hereinafter called "Desjardins") are subject to federal and provincial laws regarding the protection of personal information, namely the Personal Information Protection and Electronic Documents Act and the Act Respecting the Protection of Personal Information in the Private Sector. Desjardins takes privacy issues very seriously and adopts whatever measures are necessary to ensure the confidentiality of information that relates to you personally.

By "personal information", we mean any information about you that you provide voluntarily and that is used to identify you.

Protection of personal information on Desjardins.com and all other Desjardins sites

Personal information obtained through Desjardins.com and all other Desjardins sites is strictly confidential. The only employees with access to such personal information are those authorized to process inquiries or requests that concern the information provided. Except where required to provide a service you signed up for or to give effect to a court order, personal information will never be made public, sold, or disclosed to third parties without your consent.

Why do we collect personal information on Desjardins.com?

The personal information we obtain about you via www.desjardins.com is used to process online requests you submit to us for quotes or financial products and services.

The personal information you provide when registering for the electronic edition of the Desjardins BONUSDOLLARS catalogue will be used to email you information about Visa Desjardins products and promotions. You may choose not to receive such information, but you cannot deactivate the order confirmation receipt function or the status function.

Online tools and personal information

Desjardins.com and all other Desjardins sites offer you the opportunity to use online tools or submit questions to a "virtual" financial advisor, in connection with certain Desjardins financial products. The questionnaires are designed to collect information about you or your financial situation. The details are then used to establish your savings, investment or other type of profile with a view to helping you choose the most suitable services for your particular needs.

Such information will not be used for any other purpose.

With the My budget tool available on AccèsD Internet, Desjardins categorizes all transactions listed on your caisse and Desjardins credit card account statements to give you an overview of your income and expenses. Desjardins only uses information in the tool to categorize transactions and for no other purposes. However, information may be de-identified and used by Desjardins for statistical analysis and business model development. Only you can access your personal data.

Cookies

Our site uses cookies. They identify your browser software when you move from site to site or page to page and facilitate your browsing experience and access to our site. Cookies can only be read by the website that sends them to your computer.

When you go to a page on our site directly or by way of an ad, cookie files are automatically stored on your computer. Our Web analysis tool (Google Analytics) and possibly external ad servers have access to cookies, giving you a better browsing experience on our site and, in some cases, tracking your activity to promote certain products. Though a code in a cookie identifies you as an individual consumer, it does not recognize your name or address. Cookies are not used to collect personal information. Statistical information may be collected to determine for example, the popularity of certain pages, average number of pages viewed or average time spent on our site by each user. It is also possible that cookies trigger Desjardins Group advertisements on external websites you visit on your device.

We use 2 types of cookies:

• Session cookies are stored in the computer's memory for the duration of your session and then deleted from your computer. They are used to identify you and deleted when you log out the transaction site.
• Persistent cookies are stored on your computer and recalled when you next visit. It is not possible to use cookies to infect a computer with a virus or any other malicious data.

In order to use our site, your browser must accept cookies. If your browser is not set up to do so, you can change your settings. If you refuse cookies, some pages of our site may not display properly or some features may not be available.

Google Analytics

Desjardins uses Google Analytics on Desjardins websites (hereinafter "Sites") and Desjardins mobile applications (hereinafter "Applications"). The service is provided by Google Inc. (hereinafter "Google"). Desjardins uses first-party identifiers and third-party identifiers in conjunction with third-party vendors. Google Analytics uses cookies and other unique identifiers, which are anonymous identifiers placed on your computer material. They help Desjardins to analyze your use of the Sites and Applications. The traffic data collected through cookies and other unique identifiers particularly pertains to your use of the Sites and Applications (including your IP address). Google transmits the data and stocks it on servers in the United States. Google may share this data with third parties where legally obligated or when a third party is processing data for a Google account. No information allowing Google to identify you will be transmitted.

Google will use the information collected to:

• analyze your use of the Sites and Applications
• compile reports on Site and Application activity
• provide other services related to Site and Application activity as well as Internet use

DoubleClick

DoubleClick is a cookie that Google Analytics uses to collect anonymous information. Google Analytics' Advertising Features on sites that use DoubleClick include:

• Google Display Network Impression Reporting
• DoubleClick platform integrations and Google Analytics Demographics and Interest Reporting

User ID

Google Analytics uses the User ID feature on the Sites and Applications. The feature makes it possible to associate information regarding relationships between various computer tools and several sessions with unique identifiers. Each User ID represents an individual anonymous user in Google Analytics.

Deactivation

When browsing, you can deactivate Google Analytics and/or DoubleClick by selecting the appropriate browser or computer tool parameters, advertising parameters, mobile advertisement parameters or other, notably the Google Analytics opt-out browser add-on.

By using the Sites or Applications, you expressly agree to allow Google to process personal data under the conditions and for the purposes outlined above.

Links to third party websites

For your convenience, Desjardins.com provides links to the sites of third parties or parts of their sites. However, Desjardins has no control over the content or operation of these sites, nor does it control the confidentiality or privacy practices of the site operators. Consequently, any personal information you submit through such sites is governed by the privacy policies of the sites in question. It is therefore your responsibility to find out about their policies in order to protect information that concerns you.

Email policy

Desjardins does not solicit members for personal and confidential information by email or otherwise.

Confidentiality

Desjardins enforces various rules to protect your personal information:

• We do not divulge any information about our members without their consent.
• Desjardins employees are not authorized to ask for your password or PIN.
• Desjardins employees cannot ask for personal information over the phone, including debit card numbers, birthdates and social insurance numbers, except during the usual authentication procedure when members contact us.
• Desjardins Group has adjusted its internal telemarketing rules to ensure their compliance with the National DNCL rules.

Data sharing between Desjardins Group components

Signing the Desjardins Consent authorizes the components you do business with to share among them the personal information you provided. To sign or revoke the Desjardins Consent, please contact your caisse.

The advantages of data sharing are the following:

• The Desjardins experts you deal with will have a more comprehensive view of your financial situation.
• You will receive a more personalized service offer that is better adapted to your profile, needs and expectations.
• You no longer need to repeat your basic information when conducting a transaction with one of the Desjardins components.
• The caisse will have quick and easy access to all your financial information.

• Terms of Use
• Terms of Use - AccèsD Internet for members of a caisse
• Terms of Use - AccèsD Internet for non-members

Terms of Use

Go to the Online security section to find out how we ensure the security of your transactions. The section also includes information on various types of fraud and how to protect yourself.

All services and information made available to users by the Fédération des caisses Desjardins du Québec and, depending on the Service used, Desjardins caisses and some subsidiaries (hereinafter called "Desjardins") via desjardins.com are covered by the terms and conditions described below. By registering for and using Desjardins.com and all other Desjardins sites, you agree to abide by these terms and conditions.

Desjardins reserves the right to change the terms and conditions at any time without advance notice. In such cases, Desjardins may post change notices directly on the site or may insert links to such change notices.

Any use of the masculine gender on Desjardins.com and all other Desjardins sites is for the sole purpose of brevity; it is not, in any way, intended to be discriminatory.

Jurisdiction

The site will be governed by and construed in accordance with the laws of the province of Quebec. All disputes, controversies, or claims arising out of or in connection with the site shall be submitted to and be subject to the jurisdiction of the courts of the province of Quebec. Thus, in the event of any suit, action, or proceeding arising out of or in connection with this site, the courts of the province of Quebec will have exclusive jurisdiction.

Information from this site regarding Desjardins products and services is intended for use in Canada only, in provinces where such products and services may lawfully be offered for use and/or sale, and neither use nor sale is intended where prohibited by law.

1. Description of services

The Fédération des caisses Desjardins du Québec ("Desjardins") currently provides users with a wide selection of online services. These include communication (Desjardins.com and all other Desjardins sites) and transactional tools, services provided by merchants, personalized content, personalized e-mail messages, and the products and services marketed through Desjardins' service network (collectively "the Service").

Unless otherwise specified, any new feature that enhances or augments one or more existing services, or any new service launched by Desjardins, will be subject to the Terms of Use in effect for this site.

You alone are responsible for paying the costs associated with use of the Service, such as Internet connection charges or fees charged for connecting to networks that provide access to Internet content. As well, you are responsible for acquiring any equipment needed for such connections.

2. User identification

You are not required to identify yourself when making use of the Service, except when such identifying information is required to access the site's decision-making and transactional tools. At the same time, the more accurate, complete and current your personal information, the easier it will be to tailor the Service to your requirements.

3. Protection of personal information

Desjardins is keenly aware of the need to protect your security and privacy, particularly in regard to any information you provide to Desjardins while making use of the Service.

Please refer to the site's Confidentiality statement for details about Desjardins' practices in this area.

4. Protection of children

Desjardins is concerned about protecting children who use this site.

We invite parents to monitor their children's Internet usage and to bear in mind that the services provided via the Desjardins site are designed to appeal to a broad audience. Therefore, as the legal guardians of their children, parents are responsible for determining which services may or may not be appropriate fortheir children and monitoring their use in this regard.

5. User ID, password and security

When you register for the Service, you must choose a user ID and password that will enable you to access the Service.

Likewise, when you complete the e-mail registration form, you will receive a Web address, which will also serve as a password. The Web address will allow you to access your registration profile and to make any necessary changes.

You alone are responsible for protecting the confidentiality of your user ID and passwords as well as the confidentiality of any actions undertaken in regard to the identification or password authentication process for all Desjardins Services.

Moreover, you are responsible for immediately notifying Desjardins about any unauthorized use of your user ID or passwords and any other security breach, as well as for taking every possible precaution to ensure that you use the Service under optimal security conditions.

To find out more about security measures concerning the use of Desjardins.com and all other Desjardins sites and their personalized version, please read this site's Security statement.

Desjardins is in no way liable for any loss or damage arising from a failure to comply with the requirements described in this Section 5.

6. Restrictions on use of content

It is prohibited to reproduce by any means whatsoever the information, data, text, software, music, sounds, photos, images, videos, communications and other materials (collectively "Content") included with the Service.

More specifically, it is prohibited to:

1. forge headers or otherwise manipulate content transmitted through the Service
2. upload, post, e-mail, transmit or otherwise make available any Content that contains computer viruses or other computer code, files or programs designed to interrupt, destroy or limit the functionality of any software, computer, application or telecommunications equipment (this list may include other elements without limitation)
3. interfere with, disrupt, or make abusive use of the Service, or servers or networks connected to the Service, or refuse to comply with any requirements, procedures, general regulations or regulatory provisions applicable to networks connected to the Service
4. infringe, whether intentionally or not, any existing national or international laws or regulations, or without limitation, any regulations adopted by the Québec securities commission (CVMQ), the Montreal and Toronto stock exchanges, FTSE, NIKKEI, Dow Jones and Nasdaq, or any other rules or regulations with force of law
5. collect and store personal information relating to other users
6. sell, resell or operate on any commercial basis whatsoever any portion of the Service or any use of the Service or access privileges associated with the Service

7. Links to outside Web sites

The Service or third parties may include links to other Web sites or other Internet sources. Since it has no control over these outside sites and sources, Desjardins is not responsible for their availability, nor can it assume any responsibility for the content, links, advertising, products, services or other materials made available by or through such external sites or sources. Furthermore, Desjardins is not liable for any loss or damage, caused or alleged to be caused by, or arising in connection with, the use of or reliance on Content, products and services made available on these outside sites or sources.

Consequently, it is up to you to exercise discretion in your use of such Content. Likewise, you are responsible for assuming all inherent risks, particularly when you rely on the timeliness, usefulness or completeness of the content made available on or through the sites or sources referred to by the Service.

Links leading to software download sites are provided for your convenience; Desjardins is not liable for any difficulty arising from the download of any such software applications.

Links to other sites do not indicate that these outside sites endorse Desjardins or its products and services.

8. Access to caisses sites

Each Desjardins caisse is solely and entirely responsible for, but not limited to, the information conveyed in the pages of its Internet site on Desjardins.com, as well as for any payment solution it makes available and fundraising campaign and cause it supports.

9. Hop 'n S@ve and InstaBalance features

Hop 'n S@ve and InstaBalance are available as part of the Desjardins mobile services app. Once you set them up, you won't have to log in again to use certain features and get information. These tools are also available on a compatible smartwatch connected to the mobile device. When setting up these tools, Desjardins mobile services users agree to protect their mobile devices and compatible smartwatches.

The information displayed by InstaBalance does not take into account the available balance, any limits or holds on funds on the account or folio. As such, Desjardins may not be held responsible for any direct or indirect damage arising from operations or transactions made using the information provided by InstaBalance.

Learn more and get advice on website security on mobile devices.

10. Financial information

Stock quotes, investment fund values, exchange rates, interest rates and other similar financial data as well as the various product features posted on desjardins.com are provided for your information only. This information originates from a variety of sources and is updated on a regular basis. Despite every effort to present information that is as up to date as possible, Desjardins, its officers, managers, employees and agents are in no event responsible for the consequences of any inaccurate information or for any damage sustained as a result of using such information.

11. Statement: information and advice

The Service is provided to you for information purposes only. Therefore, content disseminated in connection with the Service is not destined to be used in conducting transactions or making investment decisions. Desjardins will not assume any responsibility for the Content or the accuracy of all or part of the information transmitted in connection with the Service. Likewise, Desjardins will not be responsible for investment orders or decisions based on such information.

12. Information use and storage

Desjardins may establish general rules and deadlines concerning use of the Service. This may include, without limitation, determining the maximum number of days of account inactivity and the maximum number of times you may access the Service during a given period of time (as well as the maximum duration of each access session).

Furthermore, Desjardins is in no way responsible for the personalized settings of site users and does not make any warranty with respect to the deletion of your data or any failure to preserve your data.

13. Changes made to the Service

Desjardins reserves the right at any time to change, temporarily suspend or terminate the Service in whole or in part without informing you in advance. In no event will Desjardins be liable to you or to any third party for a modification, suspension or termination of the Service.

14. Termination

Desjardins reserves the right to terminate access privileges in whole or in part relating to your ID and passwords and to even delete your ID and passwords.

Desjardins also has the right to remove or relocate any Content made available as part of the Service. This may be done for any reason, including lack of use or in situations where Desjardins has good reason to believe that you have violated the Terms of Use applicable to this site.

Any termination of your access to the Service consistent with the established Terms of Use will take place without advance notice of any kind. Desjardins also reserves the right, at any time, to de-activate or delete with immediate effect any folder or any file within a folder, and/or to prohibit future access to such files or to the Service itself.

In no event will Desjardins be liable to you or to any third party for the termination of your Service access.

15. Dealings with merchants

Any dealings with merchants relative to the Service are strictly between you and the merchants concerned. This applies to any correspondence, business relationship or participation in promotions organized by merchants through the Service, including the payment and delivery of goods or services, and, if applicable, any other terms, conditions, warranties or representations arising from these transactions. Consequently, Desjardins will in no way be liable for any loss or damage of whatsoever nature arising from such dealings or, more generally, from the participation of merchants in connection with the Service.

16. Desjardins and intellectual property

The Service and any software or applications used in connection with the Service ("Software and Applications") may contain confidential information protected by existing intellectual property laws or other legislation.

Content included on the site or in advertising and information made available to you as part of the Service, or presented by merchants in connection with the Service, are protected by the laws applicable to copyright, trademarks and patents and by any other rights set forth in existing legislation, and are the intellectual property of Desjardins, its licensors or the person recognized as the Content supplier.

The site is protected by copyright legislation as a collective work or compilation as defined in Canadian and foreign laws.

Except as expressly authorized by Desjardins or by a merchant, it is strictly prohibited to:

• copy, alter, rent, borrow, sell, distribute or create derivative works based in whole or in part on the Content, the Service or related Software and Applications;
• reverse engineer, disassemble or otherwise attempt to locate the source code (except as provided for by law) or to sell, assign, sub-license or transfer in any way the rights attached to the Software and Applications;
• modify the Content or the Software and Applications in any way or to use modified versions of the Software and Applications in order to gain unauthorized access to the Service or for other purposes not limited to this;
• access the Service by any means other than the interface provided to you by Desjardins for this purpose; or
• use the site or its Content, in whole or in part, except as expressly fixed by these Terms of Use.

17. Warranties

1. The Service is provided to you and is accessible to you based on its availability. Desjardins makes no warranties, either express or implied, including but not limited to warranties as to the quality of the Service or its fitness for a particular purpose, or as to the non-infringement of the Service's Terms of Use by users.
2. More specifically, Desjardins does not warrant that:
   1. the Service will operate without interruption or error or in a secure and timely manner
   2. results obtained by using the Service will be accurate and reliable
   3. the quality of any product, service, information or other materials purchased or obtained by you in connection with the Service will meet your expectations
   4. defects in the Software and Applications, if any, will be rectified
3. You alone will be responsible for any damage sustained by your computer or any loss of data that may result when downloading material
4. No advice or information, whether oral or written, obtained by you from Desjardins or in the course of using the Service may be construed as creating any warranty not expressly stipulated in the site's Terms of Use.

18. Limitation of liability

To the fullest extent possible pursuant to applicable law, Desjardins will in no way be liable for any direct or indirect damage, including without limitation the loss of profits, customers or data, or other loss of intangible assets, even if Desjardins has been advised about the possibility of such damage, that may arise:

1. from the use or inability to use the Service
2. following unauthorized access to the Service by a user or following a change in your transmissions or your database
3. from the actions or conduct of a third party in the course of using the Service
4. from the loss or theft of a user's mobile devices or smartwatches

19. Copyrights and trademarks*

All information on this Website is protected by copyright. Users may only copy its contents for their own personal use. No one may redistribute, reproduce, republish, store in any medium, retransmit, or modify the information on this Web site for commercial purposes without the written authorization of Desjardins, or make public use thereof without crediting the source.

All trademarks and logos (including certain names, words, titles, drawings, illustrations and icons) appearing on the site are trademarks or registered trademarks of Desjardins or third parties. Any use of these trademarks is strictly forbidden without the owner's written authorization. Any unauthorized downloading, retransmission, or other copying or modification of trademarks and/or site content may be a violation of federal or other laws applying to trademarks and/or copyrights and could subject the copier to legal action.

*VISA is a trademark of VISA International, Inc.

20. Chat support tool – Terms of use

In addition to the terms prescribed herein, the use of the chat support tool is subject to the following terms and conditions:

• The tool is made available to users for personal use and may not be used for commercial, advertising or other purposes.
• It is forbidden to change or pirate this tool, or to change any other Web site to falsely imply that it is associated with this tool.
• Chats are protected by this site's Confidentiality statement and the Security statement, to be read by users. Access to chat content is limited to personnel authorized to follow up on requests. Users give their consent that Desjardins supervisors or managers may examine, immediately or at a later date, chats to guarantee the quality of the information and services rendered.
• In chats, users may never submit, post or publish, any proposal or material that may be considered by Desjardins to be defamatory, obscene, pornographic, threatening, invasive, abusive, illegal, indecent, aggressive or otherwise unacceptable. In such a case, Desjardins may end a chat at any time without prior notice and delete or restrict access to any proposal, material or file of this nature. Desjardins cannot be held responsible for any direct or indirect damage that someone may claim to suffer in such a circumstance.
• Information and services provided by Desjardins during chats are subject to copyright and intellectual property laws, as provided for herein. Users may only copy its contents for their own personal use. No one may redistribute, reproduce, republish, store in any medium, retransmit, or modify the information on this Web site for commercial purposes, unless they have obtained prior authorization from Desjardins.
• Please read the Member relations page on this site to find out how to let us know of any complaint or suggestion about the quality of the information and services received when using the chat support tool.

21. Mobile Deposit

• 1. General Terms and Conditions

  The following terms and conditions of use and all amendments hereto (the "Terms and Conditions") constitute an agreement between you ("You"), the Fédération des caisses Desjardins du Québec and your caisse ("Desjardins", "We" or "Us") concerning your use of the Mobile deposit function ("Mobile Deposit"), a function of the Desjardins mobile application.

  If You use Mobile Deposit on behalf of a company or other legal person; general, limited or undeclared partnership; sole proprietorship; or association (each a “Business”) or on behalf of a trust account as a trustee, an estate account as a liquidator, or an account held in trust as a legal representative (each relating to the “Administration of the property of others”), then “You” refers to the Business, the Administration of the property of others, and yourself as an individual user acting on their behalf, and You declare that You are duly authorized to agree to these Terms and Conditions on behalf of the Business, Administration of the property of others or yourself.

  It is important that You read and understand these Terms and Conditions since they apply to each use You make of Mobile Deposit. By checking at the appropriate place and clicking on "I agree", You will be deemed to have read and agreed to the Terms and Conditions.

  You agree that Desjardins may at any time make additions or changes to the Terms and Conditions. If We modify the Terms and Conditions, We will notify You by means of a notice published in the Desjardins mobile services application or by any other means. Your use of Mobile Deposit after such notice has been given means that You agree to the amended Terms and Conditions.

  If, at any time, You no longer agree to these Terms and Conditions or the amendments We have made thereto, You must stop using Mobile Deposit.

  The terms and conditions of the agreements You have entered into with respect to your accounts at Desjardins, the terms and conditions of AccèsD and AccèsD Affaires, the terms and conditions of use of Desjardins' websites, the terms and conditions of the Desjardins Mobile services application or any other agreement with Desjardins (the "Desjardins Agreements") also apply to the use of Mobile Deposit. These Terms and Conditions do not replace or amend the Desjardins Agreements but are an addition thereto.

  If You have any questions about the use of Mobile Deposit, You may reach us at the following number for an Individual member or a Business member.

• 2. Description of the Mobile Deposit Services

  Mobile Deposit allows You to deposit cheques or any other eligible item (as defined below under "Eligible Items") in an eligible deposit account (an "Account") by taking a photograph of the front and back of an original Eligible Item (the "Images") using an electronic device with an operating system that is compatible with the Desjardins mobile services application (a "Mobile Device") and sending us the Images and any other required information through Mobile Deposit.

  Every Image captured using Mobile Deposit must be an image of an original Eligible Item and not an image created using a photocopy or a print-out of an electronic copy.

  In order to use Mobile Deposit, You must satisfy eligibility criteria defined by Desjardins. Thus, only certain individual members, business members, Eligible Items, Accounts and Mobile Device operating systems are eligible for Mobile Deposit.

• 3. Agency

  You agree that by creating Images of the Eligible Items using a Mobile Device, You are acting as an agent of Desjardins and, in that capacity, the Image will be treated as though Desjardins had created the image itself in accordance with the Payments Canada Rules and Standards published at www.payments.ca.

  You agree that You may not assign your cheque imaging activities to any third party.

  By acting as an agent, You agree to comply with these Terms and Conditions and with all applicable laws, regulations and standards, including the Payments Canada Rules in force at any given time.

• 4. Eligible Items

  Mobile Deposit allows You to deposit the following original paper items issued in Canadian dollars by a Canadian financial institution or a federal, provincial, municipal or territorial government in Canada:

  • Cheque:
    1. Personal
    2. Business
    3. Government/municipal
    4. Certified cheque
    5. Traveller's cheque
  • Money order
  • Bank draft
  • Gift certificate with the transcode 81

  The following items are not eligible for Mobile Deposit:

  1. items payable to a person or business other than You
  2. items payable jointly, unless they are deposited in a joint Account of all the payees
  3. Items payable to a deceased person
  4. postdated or stale-dated items
  5. items that You know or should have known to be fraudulent
  6. items drawn on a financial institution located outside Canada
  7. items payable in a currency other than Canadian currency
  8. items that have previously been deposited
  9. illegible items
  10. the image of a photocopy, print-out or PDF file of an item
  11. returned items
  12. altered items
  13. invoice payment slips
  14. bonds, coupons, debentures and Government of Canada Treasury Bills.

• 5. Eligible Accounts

  Mobile Deposit allows Eligible Items to be deposited in certain Accounts only.

  For individual members, only personal chequing, regular savings, personal trust, estate and in-trust accounts are eligible. Registered accounts (RRSPs and TFSAs), allowance savings accounts, and foreign currency accounts are not eligible.

  For business members, only chequing accounts are eligible (including trust accounts). Regular savings, term savings and foreign currency accounts are not eligible.

• 6. Mobile Devices

  To be eligible for Mobile Deposit, your Mobile Device's operating system must be compatible with the Desjardins mobile services application. You can view the list of compatible operating systems for Individuals or for Businesses.

  In addition, in order to use Mobile Deposit, You must obtain and maintain at your own expense the hardware, software and wireless services access required by this function. Desjardins accepts no liability and gives no warranty in respect of Mobile Devices, software and applications used for Mobile Deposit. You acknowledge and accept all the costs and risks associated with use of Mobile Deposit or with technological changes and any resulting deficiency or loss.

  We are not liable for the hardware, software and wireless services access that are required to use Mobile Deposit. We have the right, at our sole discretion and without informing You, to make changes to Mobile Deposit from time to time such that your electronic access device, hardware, operating systems and software may no longer be compatible with Mobile Deposit, in which case We accept no liability to You or to any other person.

• 7. Image Quality

  When depositing an Eligible Item using Mobile Deposit, You must ensure that the Image is legible and that the following information can be seen on the Image: the date, the payor's institution, the payee, the amount in letters and/or figures, the payor's signature and the magnetic ink character recognition line (the MICR line). The Image quality of Eligible Items must satisfy Desjardins' and the Payments Canada's requirements.

• 8. Receipt of Eligible Items

  Desjardins has the right to reject any item received, for any reason, including because the Image transmitted is illegible or the deposited item is ineligible. Desjardins shall not be liable for errors that may occur during the transmission of Images, including Images that are not fully received or that are misdirected and the risk that a deposited item may be intercepted and information may be disclosed.

  Desjardins shall not be liable for losses, charges or penalties that may result from the illegibility or poor quality of an Image, including damages that may arise from the rejection of an Image, a delay or incorrect payment in connection with the information transmitted.

  You agree that Desjardins has the right: (i) to change the amount that appears in your Account to reflect the amount indicated on the Image received, or (ii) to cancel an entry made in your Account if an item transmitted was ineligible for deposit. In the above cases, You agree that Desjardins shall not be liable for any resulting losses, charges or penalties.

• 9. Availability of Funds

  When You make a deposit using Mobile Deposit, the amount of the deposited items is credited temporarily to your Account at the date We receive your Image until the Image is processed. The availability of the funds is subject to Desjardins' hold funds policy and your available funds limit. You may view the restrictions applicable to Individual members and to Business members.

  You agree that by using Mobile Deposit to deposit a cheque issued by the Quebec Minister of Finance, the Canada Revenue Agency or any cheque issued by a provincial, territorial, municipal or federal government, the funds deposited will be subject to a hold in the Account for the applicable customary time, as if the cheque were issued by a business or an individual.

• 10. Deposit Processing Time

  You can use Mobile Deposit 7 days a week. Deposits will only be processed the same day if they are deposited on a business day before 6:00 p.m. (Eastern Time). For deposits made after 6:00 p.m. (Eastern Time) on a business day or at any time on a non-business day, the date of processing will be the following business day. For greater certainty, Saturdays, Sundays and statutory holidays are not business days.

• 11. Mobile Deposit Limits

  Daily and monthly limits may apply. The limit will be displayed during the deposit transaction.

• 12. Fees

  If You are an individual using Mobile Deposit, there are no additional fees apart from the regular transaction fees that apply under your Desjardins Agreements. If You are a business using Mobile Deposit, fees may apply to each deposit. See the rates applicable to Individual members and to Business members.

13. Destroying the Deposited Item

After depositing an Eligible Item using Mobile Deposit, You must keep the Eligible Item in a safe place for 10 days after the deposit date. After that time, You must immediately destroy the Eligible Item using a method of destruction that ensures the Eligible Item cannot be reused.

Even if We send You a confirmation number for the deposit of the Eligible Item, You are responsible for verifying on your Account statement that the amount corresponding to the Eligible Item deposited appears on your statement before you destroy the Eligible Item.

• 14. Duplicate Deposits

  Once You have deposited an Eligible Item, You cannot deposit, attempt to deposit (physically or electronically) or cash the same Eligible Item at any other financial institution or redeposit it with Desjardins. The Eligible Item cannot be endorsed or otherwise transferred to any other person or business. If You contravene any of these terms, You will be liable for all applicable costs and losses.

• 15. Your Covenants and Representations to Desjardins

  • 15.1 Every time You use Mobile Deposit, You represent, warrant and covenant:
    • 15.1.1 To deposit only Eligible Items.
    • 15.1.2 To deposit only items issued in Canadian dollars by a Canadian financial institution or a Canadian federal, provincial, municipal or territorial government.
    • 15.1.3 To transmit only a legible Image of the original of the deposited item and not an image of a photocopy, print-out or pdf file of an item.
    • 15.1.4 Not to deposit postdated or stale-dated items.
    • 15.1.5 Not to deposit items for which a stop payment has been issued.
    • 15.1.6 Not to deposit items that You know or should have known are fraudulent.
    • 15.1.7 Not to transmit incorrect information or information that You know or should have known is incorrect or fraudulent.
    • 15.1.8 Not to deposit items that have previously been deposited.
    • 15.1.9 Not to deposit items payable to an individual or business other than You.
    • 15.1.10 Not to request a third party to create an Image of an Eligible Item payable to You and to deposit it in your Account.
    • 15.1.11 To keep the deposited item in a safe place for 10 days following the date of deposit and to destroy it after that time.
    • 15.1.12 To deposit cashable items as defined by law and to comply with the requirements of the Payments Canada Rules. The date, the payor's institution, the payee, the amount in letters and/or figures, the payor's signature and the magnetic ink character recognition line (the MICR line) must be clearly legible in the transmitted Images.
    • 15.1.13 To comply with these Terms and Conditions of use of Mobile Deposit and any amendment that may be made hereto and with all applicable laws and regulations.
  • 15.2 Every time You use Mobile Deposit, You also declare:
    • 15.2.1 that the acceptance and payment of an Eligible Item is subject to the rules of ordinary law in Canada (including the Bills of Exchange Act) and to the Payments Canada Rules, including without limitation the following grounds for rejection: fraudulent endorsement, postdated cheque, duplicate payment, miscoded amount, altered cheque, unusable image.
    • 15.2.2 that the deposit of an Eligible Item in your Account is subject to the terms and conditions of your account agreement, which supplement these Terms and Conditions, but do not replace them.

• 16. Termination

  • 16.1 Desjardins has the right to terminate your access to Mobile Deposit, at its sole discretion and at any time, including and without limitation if:
    • 16.1.2 You have breached these Terms and Conditions.
    • 16.1.3 Desjardins has reason to believe that You are using Mobile Deposit incorrectly, or in an unauthorized or illegal manner.
  • 16.2 Your appointment as agent expires on the date your access to Mobile Deposit ends. Consequently, upon receipt of a notice of termination, You must immediately stop creating Images using Mobile Deposit.

• 17. Access to and Security of your Mobile Device

  You must secure and incorporate in your Mobile Device user codes, passwords or other authentication devices and ensure that they remain secret and confidential at all times. We recommend that You maintain your operating system up-to-date.

  Desjardins is not liable for losses You may incur if an unauthorized person succeeds in hacking your IT security system or accessing your Mobile Device or your Account using hardware containing software that may reveal or compromise passwords, required user codes or other authentication devices.

• 18. Loss or Theft of your Mobile Device

  You are responsible for all deposits made using your Mobile Device. If your Mobile Device is lost or stolen, You must notify us immediately by dialling the following number if You are an Individual member or a Business member.

• 19. Deactivating the Mobile Deposit Function

  You can deactivate the Mobile Deposit function at any time by contacting us at the following number if You are an Individual member or a Business member.

• 20. Limitation of Liability

  Except where provided by law, Desjardins, its officers, directors, employees, agents and subcontractors cannot be held liable to You for any loss or damage that may arise from your use or inability to use Mobile Deposit, for any reason whatsoever, including without limitation, as a result of any delay in the processing of deposited items, the non-availability of Mobile Deposit or its interruption at the time of a deposit, steps taken by You to obtain a replacement item or any failure of your Mobile Device following your use of Mobile Deposit. The Mobile Deposit service is offered to You on an "as is" and "as available" basis, without any express, implied, statutory or other warranty or condition.

• 21. Indemnification

  You agree to save and hold Desjardins harmless and indemnify Desjardins for any loss sustained as a result of any dispute, third-party claim or damage of any kind associated with your use of Mobile Deposit and your failure to comply with your obligations under these Terms and Conditions, including, without limitation, under the Payments Canada Rules.

• 22. Cooperation

  You agree to act and cooperate in good faith with Desjardins at all times in using Mobile Deposit or in any investigation regarding unusual or fraudulent transactions.

• 23. Applicable Laws

  These Terms and Conditions are governed by the laws in force in the province where You have your Account and the laws of Canada applicable therein.

22. Fingerprint and facial recognition unlock

By enabling the fingerprint and/or facial recognition unlock features to gain access to the AccèsD Internet service, you accept the following terms of use. These terms are in addition to the AccèsD Internet terms of use and are deemed to be an integral part thereof. In the terms below, “you” means “the user” within the meaning of the AccèsD Internet terms of use.

All fingerprints or faces recorded on your device allow you to identify and authenticate yourself to gain access to the AccèsD Internet service if your device is compatible with these security features. They are both your access code/user code and password to gain access to the AccèsD Internet service from your device. You must therefore ensure that only your fingerprints and/or face are recorded on your device.

For security reasons, if you add a new fingerprint or face to your device after having enabled the fingerprint and/or facial recognition unlock features for the AccèsD Internet service, the features will be automatically disabled on your device and you will have to re-enable them.

Enabling the fingerprint and/or facial recognition unlock features is optional. At no time do Desjardins Group components have access to your fingerprint or facial data.

Adding your fingerprints and/or face to your device is subject to other terms of use that are not established by Desjardins Group entities (e.g., manufacturer's terms and conditions). Desjardins Group has no control over these terms, which you must also have accepted before using your fingerprint or face to gain access to the AccèsD Internet service.

23. Terms of use - Push notifications

By opting in to push notifications from the Desjardins mobile app, you agree to the following:

1. Neither your Desjardins caisse nor any other Desjardins Group entity (hereinafter Desjardins) can guarantee that your device will receive and display Desjardins push notifications. For example, push notifications may be delayed for reasons beyond Desjardins's control and you may not receive them on time. Should something like this occur, you agree to hold Desjardins harmless.
2. To receive push notifications, your device must be connected to the internet.
3. If you do not want anyone else to be able to view or see the content of certain push notifications, you must configure your device accordingly (e.g., add a password or configure your device so that push notifications are not displayed when it is locked). Desjardins does not have any control over your device's security settings. Under no circumstances will Desjardins be held liable for any loss or damages resulting from the disclosure of a push notification's content to a third party. For more information, please see our tips on mobile device security.
4. Desjardins can, at any time, update, add or remove any Desjardins push notifications. When you opt in to push notifications, you agree to automatically receive new Desjardins push notifications as they are added. You can disable all or some push notifications, at any time, via your device's settings.
5. If you uninstall the Desjardins app, the push notifications will automatically be disabled. If you reinstall the app on your device later on, you will have to enable the Desjardins push notifications again.
6. When you opt in to Desjardins push notifications, it is for a specific device only. If you want to receive Desjardins push notifications on other devices, you will need to enable the push notifications on each one.

24. Miscellaneous

The Service Terms of Use represent the entire agreement between Desjardins and you with regard to use of the Service and they supersede any prior agreement between you and Desjardins concerning use of the Service. You may also be subject to additional Terms of Use specific to certain services, third party content and third party software that will be disclosed to you once you access such services, content or software. The failure by Desjardins to exercise any rights conferred upon it by virtue of the Terms of Use in no way constitutes a waiver of such rights. Should any provision of these Terms of Use be judged to be invalid by the decision of a court, all other provisions will remain in effect and continue to apply. The section titles in the Terms of Use are provided for information purposes only and have no legal effect.

Finally, the use of some Desjardins services may require compliance with additional or specific rules, conditions, provisions or guidelines that will be set forth in a separate agreement. Such rules and guidelines will be considered an integral part of these Terms of Use. In the event of any disagreement or confusion between the Terms of Use and the separate agreement, the latter will prevail.

Terms of Use - AccèsD Internet for members of a caisse

1. Definitions

In these terms of use, the following terms and conditions mean:

• Caisse: the caisse(s), if applicable, of which the cardholder is a member1.
• Issuing caisse: caisse whose name appears on the card.
• Card:Desjardins Access Card23.
• Access code: access code consisting of information shown on a card.
• Cardholder: person who has obtained a card.
• Federation: Fédération des caisses Desjardins du Québec.
• Subsidiary: corporation controlled by the Federation when the Federation holds, directly or indirectly, more than 50% of the voting rights on shares in the corporation, or can elect the majority of its directors, and, for the sole purpose of lightening the text, subsidiary also designates the Federation.
• Canadian financial institution: any Canadian financial institution other than a caisse or subsidiary as defined in this document.
• Business day: in Québec, a working day generally allocated to business operations or professional activities, as opposed to a day off or a statutory holiday.
• Daily limits: maximum limits for daily folio withdrawals made via AccèsD Internet Service.
• Password: the user's personal and confidential password.
• Confirmation number: number issued by AccèsD Internet Service that confirms a transaction carried out by the user.
• Security questions: three questions chosen by the user, the answers to which are specific to, and known only by, the user. The user may be asked any of these questions when logging in to an AccèsD Internet session.
• Legal representative (QC): understood to be an attorney, mandatary, mandatary in the case of incapacity whose mandate has been sanctioned by the court, curator, tutor to property, liquidator or other person authorized to administer the member's assets.
• Personal representative (ON): understood to be an attorney, mandatary, tutor to property, legal tutor or executor of the estate.
• AccèsD Internet Service: service offered via a computer or smartphone, making it possible for users to carry out transactions as defined in the present Terms of Use.
• Unauthorized transaction: transaction carried out after
  • i) the user has reported that another person may have knowledge of his/her password,
  • ii) the user was obliged, under threat, to divulge his/her access code and password to a third party, on condition that he/she file a police complaint, that he/she inform the Federation. immediately and that he/she collaborate with any future investigation; or
  • iii) the user's access code and password has been appropriated or stolen without his/her knowledge.
• Authorized transit: amount set by the caisse and up to which it accepts to refrain from withholding funds for negotiated instruments.
• User: cardholder who uses AccèsD Internet Service.

2. Respecting Terms of Use

2.1 - The user acknowledges having in his/her possession one or several cards, as he/she wishes.
2.2 - If the user has several cards linked to each of the folios that have been assigned to him/her, in one or several caisses of which he/she is a member, he/she acknowledges that, unless he/she indicates otherwise, each individual card provides access, via AccèsD Internet Service, to all folios and accounts he/she holds in one or several caisses or subsidiaries.
2.3 - He/she also acknowledges that the use of AccèsD Internet Service, as well as transactions carried out within it, are subject to conditions and regulations periodically enacted by the caisse or subsidiary, which he/she accepts and agrees to respect, including the terms and conditions set forth hereafter.

3. Transactions carried out using AccèsD Internet service

3.1 - The user acknowledges that his/her security questions are security measures required to verify his/her identity, as well as that of AccèsD Internet Service.
3.2 - He/she also acknowledges that use of one of his/her access codes, with the password linked to it, is equivalent to his/her authentic signature and allows him/her to carry out various transactions at the caisse or subsidiary via AccèsD Internet Service (e.g. access to information, bill payments, transfers, line of credit payments, purchase of financial products and services).

4. Transactions carried out by a legal representative4

When the user is the legal representative of a member, or of a client of a subsidiary, the member or subsidiary client authorizes his/her legal representative to carry out all the transactions that are available to him/her through AccèsD Internet Service, and thus assumes total responsibility for all transactions carried out by his/her legal representative using the Service.

5. Inter-Institution Transfers

Only those accounts that require one signature, are in Canadian currency and are held by the member in a Canadian financial institution may be included in a member's file. The user agrees that funds from an inter-institution transfer may be subjected to a 0- to 7-day freeze, depending on the authorized transit granted to the member by the caisse where the funds were deposited. As such, the caisse may hold these funds while awaiting final payment from the Canadian financial institution where the withdrawal was made.

6. Inter-Currency Transfers

6.1 - The user agrees and acknowledges that the exchange rate applied to an inter-currency transfer is the exchange rate determined by Fédération des caisses Desjardins du Québec and in force at the time when he/she confirms the transaction for the last time and a confirmation number is assigned to the transaction.
6.2 - The user agrees and acknowledges that prior to 8:00 a.m. and after 4:30 p.m. on business days and on Saturdays, Sundays and holidays, the exchange rate applied to an inter-currency transfer may be adjusted upwards or downwards by Fédération des caisses Desjardins du Québec, at its sole discretion, and that as a result, the exchange rate may be less advantageous for the user.
6.3 - The user acknowledges that an inter-currency transfer can be cancelled only by an offsetting transaction. If an inter-currency transfer must be reversed, for whatever reason, the user agrees and acknowledges that the exchange rate then applicable will differ from the one initially used to make the inter-currency transfer. The user agrees to assume any risk associated with exchange rate changes as well as any direct or indirect loss arising from such transaction. The user therefore relieves the caisse of all liability in this matter.

7. International Money Transfers

7.1 - The user agrees and acknowledges that he/she is solely responsible for international money transfers made on an account using the International Money Transfer feature via the AccèsD Internet Service.
7.2 - The user agrees and acknowledges that transactions related to international money transfers, particularly foreign exchange transactions, involve risks, including a risk of loss due to foreign exchange fluctuations.
7.3 - The user agrees and acknowledges that the execution of some transactions covered hereunder or stemming herefrom may be entrusted by the caisse to a third party, including Fédération des caisses Desjardins du Québec and, in this capacity, for the transactions entrusted to it, this agent is bound to the same obligations and benefits from the same waivers of liability as the caisse.
7.4 - The user agrees and acknowledges that the exchange rate applicable to an international money transfer is the exchange rate determined by Fédération des caisses Desjardins du Québec and in force at the time the user confirms the transaction and a confirmation number is issued for that transaction.
7.5 - Notwithstanding section 7.4 herein, the user agrees and acknowledges that prior to 8:00 a.m. and after 4:30 p.m. on business days and on Saturdays, Sundays and holidays, the exchange rate applied to an international money transfer may be adjusted upwards or downwards by Fédération des caisses Desjardins du Québec, at its sole discretion, and that as a result, the exchange rate may be less advantageous for the user.
7.6 - The user agrees that the caisse and its correspondents reserve the right to use the services of financial institutions and correspondents (hereinafter referred to as "intermediaries") to make international money transfers, but that they cannot be held responsible for any delay or error in transmission or for any action beyond their control, including acts or omissions by correspondents, agencies or subsidiaries acting as agents.
7.7 - The user undertakes, if applicable, to pay the fees displayed on screen at the time of any international money transfer. The user agrees to have these fees and the converted amount of the international money transfer, if applicable, debited by the caisse at the time he/she confirms the transaction and a confirmation number is assigned to said transaction, directly from the USD or CAD account indicated by the user.
7.8 - The user agrees and acknowledges that the recipient may be charged fees by intermediaries to carry out the international money transfer, and that these may be deducted from the amount sent. He/she acknowledges that the caisse has no control over these fees.
7.9 - The user also acknowledges that the caisse has no control over the exchange rates applied by the recipient's financial institution when said financial institution is required to perform a currency conversion. The user relieves the caisse of all liability for any direct or indirect loss resulting from such a conversion.
7.10 - The user is solely responsible for any error made during the preparation and transmission of his/her instructions regarding an international money transfer. The caisse can therefore not be held liable for any error arising from incorrect or incomplete information provided by the user.
7.11 - Notwithstanding section 16 herein, the user agrees that international money transfers will be made according to the following terms and conditions:
Monday through Friday from 8:30 a.m. to 5:30 p.m., and this provided the international money transfer is carried out on a business day; if the international money transfer is not carried out on a business day, for example, a Canadian statutory holiday, it is processed on the next business day.
7.12 - The user agrees that, regardless of the processing time associated with the option selected for the international money transfer, processing times may vary for reasons beyond the caisse's control and it therefore cannot be held liable for any damage or any direct or indirect loss arising from such a delay.
7.13 - If the international money transfer cannot be delivered to the recipient for reasons beyond the caisse's or the intermediaries' control, the funds may be returned by the recipient's financial institution. The user agrees that fees may be debited from the amount returned by the recipient's financial institution. The user may request an investigation, via the AccèsD Internet Service, if the funds have not been received by the recipient.
7.14 - The user acknowledges that any tracing request involving an international money transfer must be made using the form designated for that purpose through the AccèsD Internet Service and agrees to pay all fees related to this request.
7.15 - The user acknowledges that a transaction limit applies to international money transfers made using the AccèsD Internet Service. This daily limit is the lowest of the following three limits:

• limit identified in the user's file at his/her caisse;
• limit authorized by the destination country;
• limit authorized by Desjardins security services (excluding Desjardins Bank in Florida).

These limits are subject to change without notice. The user will be informed of the applicable limit at the time he/she makes the international money transfer.
7.16 - The user acknowledges that, notwithstanding section 7.11, an international money transfer that is confirmed by the user and for which a confirmation number has been issued is presumed to have been processed and sent and that therefore said international money transfer cannot be cancelled or modified.
7.17 - In the circumstances prescribed in sections 7.13, 7.14 and 7.16 for returned international money transfers, for whatever reason, the user agrees and acknowledges that the applicable exchange rate may differ from the one initially used to make the international money transfer. The user agrees to assume any risk associated with exchange rate fluctuations as well as any direct or indirect loss arising from such a transaction. The user therefore relieves the caisse of all liability in this matter.

8. Alert service

8.1 - When the user uses the Alert service, he/she agrees and acknowledges that incoming text message fees and any fees related to reading e-mail on the Internet are his/her responsibility. The user acknowledges that the caisse is not liable for any loss or damage he/she may incur due to errors made while entering delivery settings or if he/she neglects to modify them in a timely manner. Moreover, the caisse cannot be held liable for any loss the user may incur if, despite alerts sent to him/her, he/she does not take appropriate measures in a timely manner.
8.2 - The caisse is also not responsible for any text message transmission or delivery error made by the user's mobile or Internet service provider. The user is responsible for protecting the privacy of alerts sent to him/her.

9. Stop payment

9.1 - The user understands and acknowledges that a stop payment may not be placed on a cheque or pre-authorized payment that has already been paid and debited from his or her account.
9.2 - Stop payments on pre-authorized payments or any modification to such a stop payment must be made before 5:00 p.m. on the date the payment is to be processed. Stop payments on cheques can be made at any time.
9.3 - The user agrees that the stop payment fees be debited from the account on which the cheque is drawn or from which the pre-authorized payment is paid. The user understands that if the account balance is too low to cover these fees, the stop payment will not be made.
9.4 - Stop payments cannot be made on loan payments for any loan whatsoever held at a caisse.
9.5 - Unless the user revokes it, a stop payment on a cheque remains in effect for a maximum period of 190 days from the date the cheque was issued, and a stop payment on a pre-authorized payment remains in effect for a maximum period of 372 days from the date the stop payment order was placed.
9.6 - Unless deleted by the user or caisse, stop payment orders placed by the user remain visible on AccèsD Internet for a maximum period of 190 days from the date the cheque was issued, and 372 days from the date the stop payment order on a pre-authorized payment was placed. The user is responsible for verifying that a stop payment has been processed according to his or her instructions before deleting it.
9.7 - The user acknowledges that the caisse cannot be held liable for any loss or damage that he or she may suffer as a result of an error made when entering the information about the stop payment to be made, or due to the fact that the information entered was incomplete.
9.8 - The user releases the caisse from any liability it might incur by stopping payment on a cheque or pre-authorized payment on which the user has placed a stop payment order.
9.9 - The user acknowledges that the caisse cannot be held liable in the event the payment is made despite the stop payment order placed via AccèsD Internet, unless the payment results from gross negligence on the part of the caisse.
9.10 - For pre-authorized payments, these terms of use do not in any way affect the cancellation rules applicable to pre-authorized debits made in compliance with the Payments Canada Rule H1. The user must refer to the Payor's PAD Agreement signed with the product and services provider to find out his or her rights or visit www.payments.ca  - This link will open in a new window..

10. Card ownership

Each card remains the property of the issuing caisse and may not be transferred to a third party. On request, cards must be returned to the issuing caisse, which may also retain or cancel them

11. Lost or stolen cards

As soon as a user becomes aware of the loss or theft of a card, he/she agrees to notify the issuing caisse or 1-800-CAISSES.

12. Password confidentiality

12.1 - The caisse will allocate one initial password per card which the user must change the first time he/she uses the card(s). The user agrees not to choose a password that may be easily discovered (e.g. date of birth, address, postal code, social insurance number, health insurance number or driver's licence number); otherwise, it shall be presumed that he/she contributed to the unauthorized use of the corresponding card, if applicable.
12.2 - The user agrees not to divulge any of his/her passwords to anyone, in any way whatsoever, and not to write them on any of his/her cards nor on any other document that may be easily consulted, in which case it shall be presumed that he/she contributed to the unauthorized use of his/her card and shall be held liable, if applicable, for any transactions carried out in violation of an agreement concluded with him/her, or for any fraudulent act related to his/her rights, up to the daily withdrawal limits.
12.3 - Should the user become aware of the loss of confidentiality of his/her password(s) or suspect that a password is known by a third party, he/she agrees to change the password(s) immediately; otherwise, he/she shall be held liable for any damage(s) occurring as the result of any transactions carried out with this password.

13. Confidentiality of security questions

13.1 - To configure his/her new security settings and log into an AccèsD Internet session, the user must choose three security questions and answer them. For the purpose of this document, the security questions and answers are collectively known as "authentication elements."
13.2 - The user agrees not to divulge any of his/her authentication elements to anyone, in any way whatsoever, nor to write them on any document that may be easily consulted, nor leave them near any accessible device; otherwise, he/she shall be held liable, including for any transactions carried out in violation of an agreement concluded with him/her, or for any fraudulent act relating to his/her rights, up to the daily withdrawal limits.
13.3 - Should the user become aware of the loss of confidentiality of any of his/her authentication elements, or suspect that these elements are known by a third party, he/she agrees to change the elements immediately; otherwise, he/she shall be held liable for any damages occurring as the result of any transactions carried out via the AccèsD Internet Service following a session opened using these authentication elements.

14. Fees and limits

14.1 - The user agrees that any transactions that are carried out using AccèsD Internet Service are subject to fees and daily withdrawal limits. The caisse shall communicate the nature of these fees upon request and may change them at any time. Where applicable, the user authorizes the caisse to deduct fees from his/her accounts. The user may have the caisse change his/her daily withdrawal limits.
14.2 - The user also accepts that transactions that are carried out at a subsidiary via AccèsD Internet Service are subject to fees. The subsidiary shall communicate these fees upon request and may change them at any time.
14.3 - A user 's use of AccèsD Internet Service shall indicate his/her acceptance of changes to the fees and conditions as decreed by the caisse and/or subsidiary.

15. Transaction confirmation

15.1 - The user acknowledges that the confirmation number issued by the AccèsD Internet Service constitutes proof that the transaction that he/she carried out was recorded correctly.
15.2 - Neither the caisse nor the subsidiary is obligated to provide other proof of the transaction, unless the user requires it to prevent or settle a dispute and, in this case, he/she shall provide the caisse or subsidiary with the transaction confirmation number. The user then accepts that the magnetic strip, or its equivalent, on which data relating to the transactions carried out have been recorded, constitutes written proof sufficient for any legal proceeding.
15.3 - Lastly, the user acknowledges that any cheque or account statement sent to the Federation for the purposes of registering the user for the inter-institution transfer feature has the same value as an original document sent by post, or hand delivered, and is admissible as proof in any legal proceeding as if it were the original document.

16. Transaction processing hours

The user accepts that the transactions carried out at a caisse using AccèsD Internet Service shall be processed as follows⁵:

• from Monday to Thursday before 9:30 p.m.: on the same day;
• from Monday to Thursday after 9:30 p.m.: dated the following day;
• from Friday to Saturday before 6:30 p.m.: dated Friday's date;
• from Saturday after 6:30 p.m. to Sunday inclusively: dated Monday's date.

17. Transaction accuracy

17.1 - The user accepts that the accuracy of transactions carried out using AccèsD Internet Service is subject to verification and he/she authorizes the caisse or the subsidiary to proceed with any rectification of the accounts accessible via AccèsD Internet Service, in the event of an inaccuracy or error, within ten (10) business days following such transactions. The user accepts, in addition, that the accuracy of transactions carried out at a subsidiary via AccèsD Internet Service is subject to verification and agrees that the subsidiary may, in the event of an inaccuracy or error, correct these transactions within ten (10) business days of said transactions.
17.2 - The user agrees to promptly verify all entries in his/her passbook or account statement and to notify the caisse of any errors, omissions, mistakes or other irregularities within thirty (30) days of updating his/her passbook or receiving his/her account statement. Online statements are deemed to have been received the day after the end of the statement period.

18. Confidentiality

Neither the caisse nor a subsidiary can ensure the confidential nature of transactions carried out by the user if he/she uses a non-secure device to perform them.

19. E-mail address and text messages

If the user must provide his/her e-mail address or other contact information to access or to use certain AccèsD Internet features (e.g. to receive text messages), this information is used by the caisse only to effectively provide the feature and, subject to applicable laws and prior consent of the user, is never shared with third parties.

20. Dispute settlement

20.1 - The user may, in the event of a dispute in connection with the use of AccèsD Internet Service, have recourse to a dispute settlement procedure, information for which may be obtained upon request at the caisse or the subsidiary concerned, or by calling 1-800-CAISSES.
20.2 - Furthermore, he/she accepts that any problem related to services provided and paid for using AccèsD Internet Service is to be settled directly with the subsidiary concerned and that the caisse is free of any responsibility in this respect (e.g. interest, penalties).

21. Liability

21.1 - The user recognizes that neither the caisse nor the subsidiary can be held responsible for damages, including monetary losses, arising from the unavailability of AccèsD Internet Service, including the inability to display the authentication elements, misuse, or any other interruption of AccèsD Internet Service that may be caused by actions beyond the control of the caisse or subsidiary, including labour disputes and equipment failure. However, the user shall not be held responsible for monetary losses resulting from technical malfunctions of the caisse computer system.
21.2 - Subject to sections 12 and 13 of these terms and conditions, when unauthorized transactions are carried out using AccèsD Internet Service, the user shall not be held liable for those transactions.
21.3 - The user agrees to notify the caisse or subsidiary of any changes to his/her personal information that could affect the transactions carried out via AccèsD Internet Service (e.g. address, phone number, or client number, in the case of a supplier of services or products). The user acknowledges that the caisse or subsidiary cannot be held responsible for damages ensuing from his/her failure to provide updated information, such as interest charges or fees sent to the user by a supplier of products or services.

22. Other agreements

The user acknowledges that his/her relationship with the caisse and/or the subsidiaries may be governed by other agreements to which they may be party. In the event of a discrepancy between those agreements and these terms, these terms shall prevail.

23. Changes to the present terms

23.1 - The user acknowledges that the issuing caisse may, unilaterally and without prior notice, change these present terms and provide notification of that fact by means of a notice in the message box. The user may obtain a copy of said notice or of the revised terms upon request at the issuing caisse.
23.2 - Transactions carried out by the user by means of AccèsD Internet Service after changes to or after receipt of the Terms of Use for AccèsD Internet Service constitutes acceptance of those changes and Terms of Use.

24. Notice

With the exception of notices that must be sent in accordance with section 20.2, any notice needing to be sent to the caisse in accordance with the terms of this agreement may also be communicated by calling 1-800-CAISSES.

25. Withdrawal from/of AccèsD Internet Service

The user may withdraw from AccèsD Internet Service and terminate this agreement at any time by contacting the issuing caisse. The caisse may also withdraw service from the user and terminate this agreement at any time, temporarily or definitively, in which case it will not be held responsible for any losses resulting from this action.

1. If the user is the legal representative (QC) or the personal representative (ON) of a member, "caisse" is understood to mean the member's caisse.
2. Also known as the Desjardins Multiservices card.
3. This trademark is the property of the Fédération des caisses Desjardins du Québec
4. Personal representative for Ontario residents
5. With the exception of stop payments on cheques, pre-authorized payments and certain bill payments made at an ATM.

Terms of Use - AccèsD Internet for non-members

1. Definitions

The terms and expressions below have the following meanings throughout the AccèsD Services Terms and Conditions:

• AccèsD Internet service: Service available through a computer or smart phone that allows the user to conduct transactions as described herein.
• Canadian financial institution: Any Canadian financial institution other than a caisse or subsidiary as defined herein.
• Card: Credit card issed by the Fédération des caisses Desjardins du Québec.
• Cardholder (secondary cardholder): A person who has obtained a card and user code.
• Confirmation number: A number assigned by the AccèsD Internet service to confirm a transaction carried out by the user.
• Desjardins: Fédération des caisses Desjardins du Québec and one or more of its subsidiaries, if applicable.
• Federation: Fédération des caisses Desjardins du Québec, the credit card issuer.
• Online Access Card: A number that the cardholder can use for identification purposes and to access the AccèsD Internet service.
• Password: The user's personal and confidential password.
• Security questions: Three questions chosen by the user, the answers to which are the user's own and are known only to him. One of these questions may be asked when the user opens an AccèsD Internet service session.
• Subsidiary: Legal entity controlled by the Fédération des caisses Desjardins du Québec because the latter directly or indirectly holds over 50% of voting rights with respect to the legal entity's voting shares or can elect the majority of its administrators, and, for the purpose of brevity, subsidiary also designates the Fédération des caisses Desjardins du Québec.
• Transaction: Any transaction carried out via AccèsD using the user's access code and password.
• User: Cardholder using the AccèsD Internet service.
• User code: A code provided to the user for identification purposes when accessing the AccèsD Internet service. Refers to the user's Online Access Card number.

2. Respecting the Terms and Conditions

2.1 The user acknowledges having in his possession a user code and password linked to his card. If the user has more than one personal credit card issued by Desjardins, he acknowledges that one user code and one password give him access to all his accounts via the AccèsD Internet service.

2.2 The user also acknowledges that the use of his card, as well as the transactions carried out with it are subject to terms and conditions enacted by Desjardins from time to time and agrees to respect, among others, the terms and conditions set forth hereafter.

3. Transactions

3.1 The user acknowledges that the use of his card together with his password is equivalent to his authentic signature allowing him to carry out transactions through the AccèsD Internet service (e.g., access to information, change of address, credit limit increase).

3.2 Through the AccèsD Internet service, Desjardins will indicate the following to the user: i) the types of transactions that may be carried out, which can vary depending on the system used; ii) the accounts that may be used to carry out these transactions; iii) the instructions allowing completion of a transaction.

4. Pay your account balance

4.1 Only Canadian currency accounts held at a Canadian financial institution in the name of the user and requiring only one signature may be added to the user's file.

4.2 When the user uses the pay your account balance feature, he understands and accepts that the corresponding amount is immediately debited from his account. However, the user is advised that there may be a delay of one business day before the payment is applied to the credit card account. Business days exclude the following statutory holidays:

• January 1 (New Year's Day)
• Good Friday
• Easter Monday
• The Monday before May 25
• June 24
• July 1 (Canada Day)
• First Monday in September (Labour Day)
• Second Monday in October (Thanksgiving)
• December 25 (Christmas Day)

4.3 Funds may be held on the credit card account for one to eight days upon an account payment from a financial institution.

4.4 Information provided by the user to the Federation appearing on account statements remains strictly confidential. It will only be used to add an account from a Canadian financial institution so that payments may be made from a financial institution.

4.5 The user understands and accepts that Canadian financial institutions may impose applicable limits on account payments from financial institutions.

5. Password Confidentiality

5.1 The Federation will provide the user with a temporary password to be used in conjunction with the user code assigned to him. This password must be modified by the user during his initial use of the service. The user agrees not to choose a password that can easily be guessed (e.g., birth date, address, postal code), in which case he would be considered to have contributed to the unauthorized use of the user code.

5.2 The user agrees not to disclose his password to anyone, in any way and not to write it on the card itself or on any document that is easily accessible, in which case he will assume the full responsibility of doing so, including transactions carried out in contravention of this agreement or fraud perpetrated using this password.

5.3 In the event that the user realizes the confidentiality of his password has been lost or compromised or as soon as a third party is suspected of knowing the password, the user agrees to change it immediately. Failure to do so will render him responsible for any damages related to transactions carried out using this password.

6. Confidentiality of Security Questions

6.1 To configure his new security parameters and open a session of the AccèsD Internet service, the user must select three personal questions and answer them. For the purposes of this document, security questions and answers shall collectively be known as "authentication elements."

6.2 The user agrees not disclose his authentication elements in any way, nor to write them on any document that is easily accessible, in which case he will assume the full responsibility of doing so, including transactions carried out in contravention of this agreement or fraud perpetrated using these elements, up to his daily limits.

6.3 In the event that the user realizes the confidentiality of one of his authentication elements has been compromised or as soon as a third party is suspected of knowing one of them, the user agrees to change it immediately. Failure to do so will render him responsible for any damages related to transactions carried out using the AccèsD Internet service once a session has been opened using this authentication element.

7. Transaction Confirmation

7.1 The user recognizes that the confirmation number issued by the AccèsD Internet service constitutes the proof that the transaction has been correctly recorded.

7.2 Desjardins, although it may do so, is not legally required to provide any other proof of transaction unless needed by the user to avoid or settle a dispute. If this is the case, the user must provide Desjardins with the transaction confirmation number. The user accepts that the magnetic stripe or equivalent information medium on which data relating to the transaction is recorded constitutes sufficient written proof of a transaction in any legal proceedings.

8. Transaction Accuracy

8.1 The user accepts that the accuracy of transactions carried out through the AccèsD Internet service is subject to verifications and authorizes Desjardins to make the necessary adjustments in the account accessible through the AccèsD Internet service in the event of inaccuracy or a mistake, within 10 business days of such transactions.

9. Confidentiality

9.1 Desjardins cannot assure the confidential nature of transactions carried out by the user on a non-secure system or if the user has not complied with the provisions relating to password confidentiality described in section 5.2 of this document and the security measures spelled out in the site's security policy.

10. Liability

10.1 The user recognizes that Desjardins cannot be held responsible for damages, including monetary losses, arising from the unavailability of the AccèsD Internet service, including the inability to display the authentication elements, misuse or any other AccèsD Internet service interruption caused by actions outside of Desjardins's control, including labour disputes and equipment failure. However, the user shall not be held responsible for monetary losses resulting from technical malfunctions within Desjardins's information technology system.

10.2 The user will not be held responsible for transactions carried out after he was threatened and obligated to divulge his password or user code, providing a complaint is filed with law enforcement, the Federation is immediately notified and full cooperation is given with any ensuing investigation.

10.3 The user agrees to notify Desjardins of any changes to his personal information that could affect the transactions carried out using the AccèsD Internet service (e.g., address, telephone number). The user recognizes that Desjardins cannot be held responsible for damages ensuing from his failure to provide updated information, such as interest charges or fees sent to the cardholder by a product or service provider.

11. Changes to the Terms and Conditions

11.1 The user recognizes that the Federation can modify these terms and conditions unilaterally and without advance notice.

11.2 By carrying out a transaction through the AccèsD Internet service after such a modification or after receiving the AccèsD Internet service Terms and Conditions, the user agrees to the changes and terms and conditions

12. User Code Cancellation

12.1 The user may withdraw from the AccèsD Internet service and terminate this agreement at any time by contacting the Federation according to the instructions in section 13.

12.2 Desjardins may also withdraw the service from the user and terminate this agreement at any time, temporarily or permanently, in which case it will not be held responsible for any losses resulting from this action.

13. Notices

13.1 Any notice needing to be sent to the Federation in accordance with this agreement can be communicated over the telephone by calling 1-877-226-0226.