Investment Accounts: In some cases, securities laws may give you the right to withdraw from the purchase of an investment fund offered for distribution within a certain period of time after receiving certain information from RMFI. It is your responsibility to monitor your data in online and mobile banking (if applicable) in order to comply with the terms of your account agreement with RMFI or to enforce your rights under securities laws. “Device” means a computer, telephone, mobile phone, mobile device, wireless device or other electronic device that you use to access Digital Banking or the Services. Some communications are available for electronic delivery. When you register for electronic delivery through the Program, you choose the communications you wish to receive electronically and will be notified as soon as they become available. If you choose to receive a certain type of communication electronically, you also choose to receive any other material that you would otherwise receive with such communications by paper mail. If you choose to receive monthly bank statements electronically, it means that you also choose to receive all account information, updates, and other information electronically. Any communications that you do not select for electronic delivery will continue to be delivered by the U.S. Postal Service. Electronic delivery is a free service. You may not see all aggregation information: You acknowledge that some aggregation information collected by aggregated accounts may not appear in an aggregation service, although it may otherwise be used to provide you with a service. You remain responsible for accessing the website or online service of individual account providers to post information or content thereof, including notices, disclosures or warnings. Daimsis – who has studied hundreds of contracts – spent hours analyzing the agreements of the big five banks.
“No one who has the capacity to disagree would agree with such a term,” Daimsis said. “I wouldn`t agree with someone who says, `Here`s my agreement with you. I can change it and I will inform you if I want to inform you. B. Your credentials are for your personal use only and you are responsible for their confidentiality and for all acts, omissions and statements made while your credentials are being used by you or by someone to whom you have provided your credentials to access the Program. RBC CM is not responsible for any security breaches caused by your failure to maintain the confidentiality of your personally identifiable information. Image Creation: We are members of Payments Canada to establish the rules for clearing and settling instruments in Canada between financial institutions. Payments Canada`s Rule A10 allows members to exchange instruments electronically using images of the instruments. “Application” means our software, which you may download to a mobile device to access certain third-party services and services. Delivery of documents: Your data will be deemed to have been delivered to you on the day they are made available to you via online banking and not on the day you actually access them. Everyone says banks have the right to change agreements at any time, and most say they will determine how customers are informed.
“Device Access Code” means the password, password, biometric information or any other authentication method that you specify to access a device. The biometric identification feature is an example of a device passcode. Other agreements still apply: All agreements that apply to your accounts will continue to apply. You are required to verify all of your information in accordance with the terms of the agreements applicable to your accounts, and if you believe there is an error, you must contact us as set forth in those agreements. To send transfers with RBC Bank, you must first sign and submit a single transfer agreement. Once we have received your signed agreement, you can send a transfer by calling us at 1-800 ROYAL 53 (1-800-769-2553). Pay attention to RBC`s new Online Banking Agreement Electronic communications are treated as paper communications: Communicating with you electronically has the same legal effect as if it were provided on paper. You will not dispute any communication with us on the basis that it has been signed, delivered, received or received electronically.
“Document Submission Service” means the electronic document submission feature in online banking, but does not include your choice to change your information delivery options and receive electronic delivery of your information. It allows issuers to present documents to you and allows you to receive and view documents. The document submission service can also be referred to as a “post office” or “RBC electronic invoices”. If you choose to use the Program to make electronic money transfers through an automated clearing house (“ACH”) system offered through RBC CM (“ACH Services”), you agree to these Electronic Money Transfer/Automated Clearing House Services Terms: How we communicate with you: You agree that we may communicate with you electronically through the Online Banking Communication Center (Message Center and Alert Center). Your devices, rbC websites, email, personal digital assistant or fax machine (electronic means). We may also communicate with you or send you notifications by mail. Most of Canada`s five major banks – BMO, CIBC, RBC, Scotiabank and TD – have recently updated their e-banking agreements, so Go Public asked an expert to assess how well they balance banks` liabilities with customer protection. G. You warrant that you own or otherwise authorize all hardware and software you use to access the Program. Limited content: Not all online banking content is available through mobile banking or mobile payments, including your online banking communication center (message center and alert center). You must regularly access online banking, which is not done through mobile banking, in order to access your online banking communication center and other content exclusively for online banking. TD`s new agreement will come into effect on March 2.
Daimsis says it gets points to clearly identify how terms have changed – but loses points because customers get a raw offer. Consent to receive information electronically: You agree to receive information only in electronic form. If you agree to receive information only in electronic form, you will receive information on your document page in Digital Banking or in your press centre in Online Banking (and Mobile Banking, if available) and not in paper and electronic form. You hereby designate Digital Banking as your designated information system. RBC has stated that its agreement is lengthy because it “covers several topics” but is organized in such a way that clients can find relevant information. You can access the MyAdvisor Terms of Service by clicking on the following link: www.rbcroyalbank.com/dms/investments/myadvisor/terms-and-conditions.html. No Warranties or Liabilities: Your use of a third party service is at your own risk and is subject to third party terms. Third party services are provided on an “as is” and “as available” basis. We disclaim all warranties (express or implied) in connection with third-party services.
We make no warranties with respect to the information, products and other content contained in or accessible from any third-party service. Scotiabank did not respond to any of the criticism of its online agreement with Go Public, but said in a statement: “We regularly review our policies and procedures to ensure they align with best practices.” Scope of this consent: This consent (consent) governs the electronic transmission of information to you. The information includes monthly or periodic bank statements, disclosures, notices, confirmations, certificates, tax documents, terms and conditions, prospectuses or other offer documents, account opening requests, agreements and changes that apply to your accounts, or other information that we need or may send you now or in the future in accordance with the law for your accounts. Concrete examples of what goes with it can be found in the definition of “information” in Part 4 – Definitions. “You” and “Your” means the person registered to access the Services. Part 7 – Document submission only applies if you register and use the electronic document submission feature in online banking (sometimes referred to as the “Epost Service” or “RBC Electronic Invoices”). The function allows you to receive and view documents submitted by issuers (Document Presentment Service). A. Disclosure of Electronic Money Transfers Required by Law. These disclosures are required by law if you are a natural person whose account was created primarily for personal, family and household purposes. Most ACH services are electronic money transfers subject to the rules of the National Automated Clearing House Association (including any other rules applicable to automated clearing house transactions) and the Federal Electronic Fund Transfer Act and Federal Reserve Board Regulation E, as well as all relevant state laws governing electronic money transfers.
Any transfer whose primary purpose is to buy or sell securities or commodities regulated by the Securities and Exchange Commission or the Commodity Futures Trading Commission is exempt from the Federal Electronic Money Transfer Act and Regulation E, and you may not be entitled to the guarantees described below in connection with such transfers….