For Residents of Quebec. It is agreed that it is the express wish of the Parties that the Agreement and any related documents be drawn up and executed in English. Il est la volonté expresse des Parties que cette convention et tous les documents s'y rattachant soient rédigés en anglais.
For Residents of Quebec. Any litigation respecting the conduct or organization of a publicity contest may be submitted to the Regie des alcools, des courses et des jeux for a ruling. Any litigation respecting the awarding of a prize may be submitted to the board only for the purpose of helping the parties reach a settlement.
For Residents of Quebec. You were not at gross fault in safeguarding your Card, the Account, the Account information, PIN, Credentials or Passcode Locks, including as required under this Agreement or any other agreement you may have with us for electronic financial services.
For Residents of Quebec. We may also send the Primary Cardholder an alert by electronic means when your Balance exceeds your Credit Limit. If we allow you to exceed your Credit Limit, and you have not given us your email address and/or Canadian mobile number, or if you choose to opt out of receiving these electronic alerts, we will send this notification by mail.
For Residents of Quebec. If a Cardholder fails to safeguard the Card, Credit Card Account information, PIN, Credentials, or any other personal authentication information created or adopted in relation to the Card or Credit Card Account as required in this Agreement, the Manulife Bank Website Agreement or the terms of service for mobile payments, the Primary Cardholder will be liable up to a maximum of $50.00 for the unauthorized Transaction unless the Cardholder is at gross fault in safeguarding such information.
For Residents of Quebec. We do not charge an over limit fee to the Account if the Balance goes over your Credit Limit.
For Residents of Quebec. You have a minimum 21‑day interest‑free Grace Period for Purchases and fees. This means that if you pay the outstanding New Balance shown on the Account statement in full on or before the Payment Due Date shown on such Account statement, you will not be charged: • Interest on new Purchases and fees that appear for the first time on the Account statement; and • Any interest that appears on the current Account statement that relates to Purchases and all fees that first appeared on prior Account statements. • If you do not pay the New Balance in full by the Payment Due Date, we will charge interest on Purchases and fees starting from the Transaction date and interest will continue to apply until you pay the New Balance in full. • The Grace Period does not apply to Cash Advances (including Balance Transfers and Cash‑Like Transactions). • We charge interest on Cash Advances starting from the Transaction date even if you pay the outstanding New Balance in full by the Payment Due Date.
For Residents of Quebec. Fees are subject to the Purchase annual interest rate. • We calculate interest on fees in the same manner set out in Section 4.8 How do we calculate and charge interest? Section 5:
For Residents of Quebec. If we make any changes to this Agreement as set out above in Section 7.2 Can we make changes to this Agreement? we will notify you in writing at least 30 days before the change is in effect. The notice may be sent by statement message in the Account statement or sent to you in another way. We will write the notice clearly and legibly, and provide you with the following details: • The original clause and its changed version, or only the new clause; • The date when the change will come into effect; and • That you can cancel your Agreement and close the Account without any cost or penalty if the change increases your obligations or decreases our obligations under this Agreement. If you choose to cancel this Agreement and close the Account, you must notify us no later than 30 days after the change comes into effect. Please see Section 9 How to Contact Us. To learn more about what will happen if the Primary Cardholder closes the Account, see Section 8.1 How can the Primary Cardholder close the Account?
For Residents of Quebec. It is agreed that the express wish of the parties is that this Schedule and any related documents be drawn up and executed in English. Il est la volonté expresse des parties que cette convention et tous les documents s'y rattachant soient rédigés en anglais.
