Jurisdiction

Jurisdiction

The site will be governed by and construed in accordance with the laws of the province of Ontario. 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 Ontario. 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 Ontario will have exclusive jurisdiction.

Information from this site regarding L’Alliance and its caisses populaires 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

L’Alliance and its caisses populaires currently provide users with a wide selection of online services. These include communication and transactional tools, services provided by merchants, personalized content, personalized email messages, and the products and services marketed through L’Alliance and its caisses populaires 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 L’Alliance and its caisses populaires , 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 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

L’Alliance and its caisses populaires  are keenly aware of the need to protect your security and privacy, particularly in regard to any information you provide to them while making use of the Service.

Please refer to the site’s Confidentiality statement for details about L’Alliance and its caisses populaires ‘ practices in this area.

4. Protection of children 

L’Alliance and its caisses populaires are 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 L’Alliance and its caisses populaires 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 for their children and monitoring their use in this regard.

5. User ID, passwords and security

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

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.

Moreover, you are responsible for immediately notifying your Caisse populaire 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 caissealliance .com and its personalized version, please read this site’s Security statement.

L’Alliance and its caisses populaires are 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 Ontario securities commission (CVMO ), 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, L’Alliance and its caisses populaires are 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, L’Alliance and its caisses populaires are 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; L’Alliance and its caisses populaires are 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 L’Alliance and its caisses populaires or its products and services.

8. Access to caisses sites 

Each caisse populaire, member of L’Alliance des caisses populaires de l’Ontario limitée  is solely and entirely responsible for, but not limited to, the information conveyed in the pages of its Internet site on caissealliance as well as for any payment solution it makes available and fundraising campaign and cause it supports.

9. Notes about InstaBalance and the Hop ‘n S@ve instant savings tool

Hop ‘n S@ve and InstaBalance are available as part of the L’Alliance 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, L’Alliance mobile services users agree to protect their mobile devices and compatible smartwatches.

The information displayed in InstaBalance does not take into account balances available, limits or any funds held that can or could affect the account or folio in question. Consequently, L’Alliance and its caisses populaires cannot be held liable for any direct or indirect damage resulting from operations or transactions carried out basedon the information displayed in InstaBalance.

Learn more about 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, L’Alliance and its caisses populaires , 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

L’Alliance and its caisses populaires 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, L’Alliance and its caisses populaires are in no way responsible for the personalized settings of site users and do not make any warranty with respect to the deletion of your data or any failure to preserve your data.

12. Information use and storage

La Caisse Alliance peut poser des règles générales et des limites quant à l’utilisation du Service, et notamment mais non limitativement, fixer un nombre maximal de jours pendant lesquels votre dossier est inactif et un nombre maximal de fois où vous pouvez accéder à un Service pendant une période donnée (ainsi que la durée maximale de chaque accès).

13. Changes made to the Service

L’Alliance and its caisses populaires reserve 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 L’Alliance and its caisses populaires be liable to you or to any third party for a modification, suspension or termination of the Service.

14. Termination

L’Alliance and its caisses populaires reserve 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.

L’Alliance and its caisses populaires also have 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 L’Alliance and its caisses populaires have 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. L’Alliance and its caisses populaires also reserve 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 L’Alliance and its caisses populaires 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, L’Alliance and its caisses populaires 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. L’Alliance and its caisses populaires 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 L’Alliance and its caisses populaires , 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 L’Alliance and its caisses populaires 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 L’Alliance and its caisses populaires 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. L’Alliance and its caisses populaires make 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, L’Alliance and its caisses populaires do 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 L’Alliance and its caisses populaires 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, L’Alliance and its caisses populaires 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 L’Alliance and its caisses populaires have 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

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 L’Alliance and its caisses populaires , 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 L’Alliance and its caisses populaires 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.

*MasterCard is a trademark of MasterCard International, Inc.

20. 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, L’Alliance des caisses populaires de l’Ontario limitée and your Caisse Populaire (“Caisse Populaire”, “We” or “Us”) concerning your use of the Mobile deposit function (“Mobile Deposit”), a function of L’Alliance mobile services application.If You use Mobile Deposit on behalf of a company or other legal person, a general or limited partnership, a joint venture, a sole proprietorship, an association, etc. (each a “Business”) then “You” refers both to the Business and to You as an individual user acting on its behalf and You declare that You are duly authorized to agree to these Terms and Conditions on behalf of the Business.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 the Caisse Populaire 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 L’Alliance 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 the Caisse Populaire, the terms and conditions of AccèsD and AccèsD Affaires, the terms and conditions of use of  the Caisse populaire website, the terms and conditions of L’Alliance mobile services application or any other agreement with the Caisse Populaire (the “Caisse populaire Agreements”) also apply to the use of Mobile Deposit. These Terms and Conditions do not replace or amend the Caisse Populaire Agreements but are an addition thereto.You recognize that the execution of certain operations under this Agreement or resulting therefrom may be conferred by the Caisse populaire to a third party mandatary, including an entity that is part of the Desjardins Group, and that, for this purpose, for the operations conferred to it, this third party shall be held to the same obligations and benefit from the same release from liability as the Caisse populaire.If You have any questions about the use of Mobile Deposit, communiquez avec votre Caisse.
  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 L’Alliance 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 the Caisse Populaire. 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 the Caisse Populaire and, in that capacity, the Image will be treated as though the Caisse Populaire had created the image itself in accordance with the Canadian Payments Association (“CPA”) Rules and Standards published at www.cdnpay.ca.You agree to this appointment and agree that this role cannot be transferred to any third party.In acting as agent, You agree to comply with these Terms and Conditions and with any applicable law, regulation or standard, including the CPA Rules in force from time to 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:
      (i) Personal
      (ii) Business
      (iii) Government/municipal
      (iv) Certified cheque
      (v) Traveller’s cheque
    • Money order
    • Bank draft
    • Gift certificate with the transcode 81

    The following items are not eligible for Mobile Deposit:

    • items payable to a person or business other than You
    •  items payable jointly, unless they are deposited in a joint Account of all the payees
    • postdated or stale-dated items
    • items that You know or should have known to be fraudulent
    • items drawn on a financial institution located outside Canada
    • items payable in a currency other than Canadian currency
    • items that have previously been deposited
    • illegible items
    • the image of a photocopy, print-out or PDF file of an item
    • returned items
    • altered items
    • invoice payment slips
    • bonds, coupons, debentures and Government of Canada Treasury Bills
    • instruments in a non-standard format not approved by CPA
    • instruments that are ineligible under current CPA rules.
  5. Eligible Accounts
    Mobile Deposit allows Eligible Items to be deposited in certain Accounts only.For individual members, only Personal Chequing Account (PCA) and Regular Savings Accounts (RS) are eligible. Accounts with proxy, registered accounts (RRSPs, TFSAs), parent for child, allowance saving, personal trust, estate accounts, in-trust account and foreign currency accounts are not eligible.For business members, only chequing accounts are eligible (including trust accounts). Regular Savings Accounts, Term Savings accounts, 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  L’Alliance 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.  The Caisse Populaire 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 the Caisse Populaire and the CPA’s requirements.
  8. Receipt of Eligible Items
    The Caisse Populaire has the right to reject any item received, for any reason, including because the Image transmitted is illegible or the deposited item is ineligible.  The Caisse Populaire 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.The Caisse Populaire 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, the replacement of an instrument, a delay or incorrect payment in connection with the information transmitted.You agree that the Caisse Populaire 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 the Caisse Populaire shall not be liable for any resulting losses, charges or penalties.
  9. Availability of FundsWhen 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 the Caisse Populaire 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 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. To avoid a hold being placed on the funds, We recommend that You deposit the cheque at the counter at your Caisse Populaire.
  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 cumulative limits apply to amounts You deposit using Mobile Deposit.
    Individual members:
    Daily limit: $10,000
    Limit of $100,000 per 30-day period
    Business members:
    Daily limit: $100,000
    Limit of $1,000,000 per 28-day period
  12. Charges
    If You are an individual using Mobile Deposit, there are no additional charges for deposits made using the Mobile Deposit function, subject to the customary operating charges set out in the Caisse populaire Agreements. If You are a business using Mobile Deposit, charges may apply to every deposit made.
  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 the Caisse Populaire.  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 the Caisse Populaire
    • Every time You use Mobile Deposit, You represent, warrant and covenant:
      • To deposit only Eligible Items.
      • To deposit only items issued in Canadian dollars by a Canadian financial institution or a Canadian federal, provincial, municipal or territorial government.
      • 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.
      • Not to deposit postdated or stale-dated items.
      • Not to deposit items for which a stop payment has been issued.
      • Not to deposit items that You know or should have known are fraudulent.
      • Not to transmit incorrect information or information that You know or should have known is incorrect or fraudulent.
      • Not to deposit items that have previously been deposited.
      • Not to deposit items payable to an individual or business other than You.
      • Not to request a third party to create an Image of an Eligible Item payable to You and to deposit it in your Account.
      • To keep the deposited item in a safe place for 10 days following the date of deposit and to destroy it after that time.
      • To deposit cashable items as defined by law and to comply with the requirements of the CPA 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.
      • 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
    • Every time You use Mobile Deposit, You also declare:
      • 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 CPA Rules, including without limitation the following grounds for rejection: fraudulent endorsement, postdated cheque, duplicate payment, miscoded amount, altered cheque, unusable image.
      • 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
    The Caisse Populaire has the right to terminate your access to Mobile Deposit, at its sole discretion and at any time, including and without limitation if :

    • You have breached these Terms and Conditions.
    • The Caisse Populaire has reason to believe that You are using Mobile Deposit incorrectly, or in an unauthorized or illegal manner.

    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.The Caisse Populaire 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 your Caisse Populaire immediately.
  19. Deactivating the Mobile Deposit Function
    You can deactivate the Mobile Deposit function at any time by contacting your Caisse Populaire
  20. Limitation of Liability
    Except where provided by law, the Caisse Populaire, its subsidiaries, 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 the Caisse Populaire harmless and indemnify the Caisse Populaire 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 CPA Rules
  22. Cooperation
    You agree to act and cooperate in good faith with the Caisse Populaire 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.

21. Fingerprint unlock (Touch ID)

Fingerprint unlock service (the “Service)

By signing up for the Service, you accept the following terms of use. These 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 recorded in your device allows your identification and authentication when gaining access to the AccèsD Internet service. It is both your access code/user code and password. You must therefore ensure that only your fingerprints are recorded in the device on which you are activating the Service.

You may sign up for the Service on only one device. If you wish to add a device to the Service, you must sign up again on the other device and the other device must be eligible for the Service, as determined by the Caisse.

For security reasons, if you add a new fingerprint to your device after having signed up for the Service, The Service will automatically be deactivated on the device and you will have to sign up for the Service again to be able to use it.

Signing up for the Service is optional. At no time does the Caisse have access to your fingerprint data.

Adding your fingerprint to your device is subject to other terms of use that are not established by the Caisse (i.e., manufacturer’s terms and conditions). The Caisse has no control over these terms, which you must also have accepted before you can sign up for the Service.

22. Apple Pay et Google Pay

Debit Card
Conditions for using your debit card

To use your debit card (the “Card”) with this application (the “Application”), you must agree to the following:

I understand that all transactions carried out through the Application using my Card are subject to the conditions governing the use of the Card. The Application allows me to carry out transactions with the Card, up to a maximum amount determined by the financial institution that issued the Card, at participating merchants. To complete a transaction at the merchant using the Application, the card does not need to be inserted or swiped in a payment terminal or other device designed for that purpose, and I do not need to enter my personal identification number (PIN). I can simply wave the mobile device containing the Application with the Card programmed into it near the terminal or other device designed for that purpose. I can also use the Application to complete transactions remotely without being in the presence of the merchant and without entering my PIN. I understand that every transaction carried out using my Card through the Application is considered to be an authorized use of my Card and I am subject to the same liability as if I had entered the PIN for my Card in a payment terminal or any other accessible device.

To prevent any unauthorized use of my Card, I agree to take all necessary precautions to keep my mobile device safe, as well as any passwords or information that would allow someone to use the Application to make a transaction with my Card. If such precautions are not taken, I understand that I will be presumed to I have contributed to the unauthorized use of my Card and assume all liability therefor. If my mobile device is lost or stolen, or if someone else learns or is suspected to have learned my login information, I understand that I must immediately advise my financial institution.

I understand that the option to use my Card with the Application may be withdrawn at any time without notice, for any reason, including suspected fraud, or if I do not comply with these conditions or any other conditions related to my Card. The Application is owned and developed by a third party not affiliated with Caisse populaire Alliance limitée. Therefore, I understand that Caisse populaire Alliance limitée does not set the terms of use of this Application and is not responsible for its operation. I understand that solely the Application provider is liable for any problem with or associated with the Application, and the financial institution that issued the Card is not involved in any way. I understand that solely my mobile device provider and/or telecommunications services provider is liable for any problem with or associated with my mobile device, and the financial institution that issued the Card is not involved in any way.

23. Miscellaneous

The Service Terms of Use represent the entire agreement between L’Alliance and its caisses populaires and you with regard to use of the Service and they supersede any prior agreement between you and L’Alliance and its caisses populaires 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 L’Alliance and its caisses populaires 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 L’Alliance and its caisses populaires 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.