Common use of Purchase Disputes and Refunds Clause in Contracts

Purchase Disputes and Refunds. If there is any dispute in regard to purchases you make using the Card, you agree to settle such disputes with the merchant from whom the purchase was made. We are not responsible or liable to you (i) for the quality, safety, legality, or any other aspect of goods or services purchased from any Merchant with the Card, (ii) if any Merchant refuses to honour the Card or special offers and/or (iii) for any other problems you may have with any merchant. Please ask the merchant for any return policy that may apply to purchases made with the Card. If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Balance on your Card in place of cash. If you believe a transaction on your account is incorrect, you must notify us in writing of your dispute within sixty (60) days of the transaction date. You can obtain a dispute form (please call 0-000-000-0000 and follow the prompts for lost or stolen cards) that must be completed and faxed to the customer service team. Please note that this form must be received within sixty (60) days of the date of the disputed transaction or you will have been deemed to have accepted such transaction. If a Merchants fails to honour the Card, please call 0-000-000-0000 to report the incident. Arbitration: Subject to all other terms of this Agreement, and to the extent not prohibited by Applicable Law, you agree that any claim of any kind against us, the Program Manager, or American Express arising from or related to this Agreement or the use of the Card (i) shall be resolved by final and binding arbitration before a single arbitrator at Vancouver, British Columbia and (ii) shall not be brought through class or individual litigation proceedings. If such a claim is advanced by class proceeding by any other person on your behalf, you will opt out of, or not opt into, such proceedings as circumstances dictate.

Purchase Disputes and Refunds. If there is any dispute in regard to purchases you make using the Card, you agree to settle such disputes with the merchant from whom the purchase was made. We are not responsible or liable li- able to you (i) for the quality, safety, legality, or any other aspect of goods or services purchased from any Merchant with the Card, (ii) if any Merchant refuses to honour the Card or special offers and/or (iii) for any other problems you may have with any merchant. Please ask the merchant for any return policy that may apply to purchases made with the Card. If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Balance on your Card in place of cash. If you believe a transaction on your account is incorrect, you must notify us in writing of your dispute within sixty (60) days of the transaction date. You can obtain a dispute form (please call 0-000-000-0000 and follow the prompts for lost or stolen cards) that must be completed and faxed to the customer service team. Please note that this form must be received within sixty (60) days of the date of the disputed transaction or you will have been deemed to have accepted such transaction. If a Merchants fails to honour the Card, please call 0-000-000-0000 to report the incident. Arbitration: Subject to all other terms of this Agreement, and to the extent not prohibited by Applicable Law, you agree that any claim of any kind against us, the Program Manager, or American Express arising from or related to this Agreement or the use of the Card (i) shall be resolved by final and binding arbitration before a single arbitrator at Vancouver, British Columbia and (ii) shall not be brought through class or individual litigation proceedings. If such a claim is advanced by class proceeding by any other person on your behalf, you will opt out of, or not opt into, such proceedings as circumstances dictate.

Purchase Disputes and Refunds. If there is any dispute in regard to purchases you make using the Card, you agree to settle such disputes with the merchant from whom the purchase was made. We are not responsible or liable to you (i) for the quality, safety, legality, or any other aspect of goods or services purchased from any Merchant with the Card, (ii) if any Merchant refuses to honour honor the Card or special offers and/or (iii) for any other problems you may have with any merchant. Please ask the merchant for any return policy that may apply to purchases made with the Card. If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Balance on your Card in place of cash. If you believe a transaction on your account is incorrect, you must notify us in writing of your dispute within sixty (60) days of the transaction date. You can obtain a dispute form (please call 0-000-000-0000 and follow the prompts for lost or stolen cards) that must be completed and faxed to the customer service team. Please note that this form must be received within sixty (60) days of the date of the disputed transaction or you will have been deemed to have accepted such transaction. If a Merchants fails to honour the Card, please call 0-000-000-0000 to report the incident. Arbitration: Subject to all other terms of this Agreement, and to the extent not prohibited by Applicable Law, you agree that any claim of any kind against us, the Program Manager, or American Express arising from or related to this Agreement or the use of the Card (i) shall be resolved by final and binding arbitration before a single arbitrator at VancouverVan- couver, British Columbia and (ii) shall not be brought through class or individual litigation proceedings. If such a claim is advanced by class proceeding by any other person on your behalf, you will opt out of, or not opt into, such proceedings as circumstances dictate.

Purchase Disputes and Refunds. If there is any dispute in regard to purchases you make using the Card, you agree to settle such disputes with the merchant Merchant from whom the purchase was made. We are not responsible for any problems that you may have with any goods or liable services that you purchase with your Card, whether with regard to you (i) for the quality, safety, legality, or any other aspect of goods or services purchased from any Merchant with the Card, (ii) if any Merchant refuses to honour the Card or special offers and/or (iii) for any other problems you may have with any merchant. Please ask the merchant for any return policy that may apply to purchases made with the Cardyour purchase. If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Balance on your Card in place of cash. If you believe have a question or a problem about a posted transaction (for example, a transaction on your account is incorrect, that appears to be a duplicate transaction) you must notify us in writing via the toll-free phone number or mailing address located at the top of this agreement immediately and no later than sixty (60) days from the date of the transaction or you will be deemed to have accepted such posted transaction. You must tell us your Card number, the date and dollar amount of the error, and explain as clearly as possible why you believe there is an error. If we ask you to put your dispute in writing, you agree to do so within five (5) business days. We will investigate and will notify you of the results of our investigation within sixty (60) days of the transaction date. You can obtain a dispute form (please call 0-000-000-0000 and follow the prompts for lost or stolen cards) that must be completed and faxed to the customer service team. Please note that this form must be received within sixty (60) days of the date of the disputed transaction or you will have been deemed to have accepted such transactionbusiness days. If a Merchants fails there is any dispute in regard to honour purchases you make using the Card, please call 0-000-000-0000 you agree to report settle such disputes with the incidentMerchant from whom the purchase was made. ArbitrationWe are not responsible for any problems that you may have with any goods or services that you purchase with your Card, whether with regard to quality, safety, legality, or any other aspect of your purchase. If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Balance on your Card in place of cash. Notification and change of terms: Subject to all other the limitations of Applicable Law, we may at any time change or remove any of the terms and conditions of, or add new terms or conditions to this Agreement, except that we will never add any new fees to your Card or increase any existing fees. We will post any such changes, as well as the most recent version of this Agreement, and on the Website. As of the effective date included in any notice, the changed or new terms will apply to the Card, including, without limitation, all future transactions made using the Card. You are responsible for checking our Website for such notifications. You will be deemed to accept and be bound by the amendment upon use of the Card following the effective date of the amendment. If you do not agree to any change of this Agreement, you agree to immediately stop using the Card and notify Peoples Trust Company that you are terminating this Agreement. Notwithstanding the foregoing, advance notice of any change may not be given if it is necessary to make any such change immediately in order to maintain or restore the security of the Card or any related payment system or comply with Applicable Law. If such a situation does arise, then you will be given notice as soon as reasonably possible in the circumstances. Arbitration (not applicable to residents of Quebec): To the extent not prohibited permitted by Applicable Law, you agree that any claim or dispute arising out of any kind against us, the Program Manager, or American Express arising from or related relating to this Agreement or the use of the Card (i) shall be resolved by final and binding arbitration before a single arbitrator at Vancouver, British Columbia and (ii) shall not be brought through class or individual litigation proceedings. If such a claim is advanced by class proceeding by any other person on your behalf, you will opt out of, or not opt into, such proceedings as circumstances dictate.

Purchase Disputes and Refunds. If you have a question or a problem about a posted transaction (for example, a transaction that appears to be a duplicate transaction) you must notify us immediately and no later than sixty (60) days from the date of the transaction or you will be deemed to have accepted such posted transaction. You must tell us your Card number, the date and dollar amount of the error, and explain as clearly as possible why you believe there is an error. If we ask you to put your dispute in writing, you agree to do so within five (5) business days. We will investigate and notify you of the results of our investigation within sixty (60) days [up to ninety (90) days for international disputes]. If there is any dispute in regard to purchases you make using the Card, you agree to settle such disputes with the merchant from whom the purchase was made. We are not responsible for any problems that you may have with any goods or liable services that you purchase with your Card, whether with regard to you (i) for the quality, safety, legality, or any other aspect of goods or services purchased from any Merchant with the Card, (ii) if any Merchant refuses to honour the Card or special offers and/or (iii) for any other problems you may have with any merchant. Please ask the merchant for any return policy that may apply to purchases made with the Cardyour purchase. If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Balance on your Card in place of cash. If you believe have a transaction on complaint or inquiry about any aspect of your account Card Balance, please call our complaint officer at 0-000-000-0000. We will do our best to resolve your complaint or inquiry. If for some reason Peoples Trust is incorrectunable to do so to your satisfaction, you must notify us in writing of may refer your dispute within sixty (60) days of inquiry or concern to the transaction date. You can obtain a dispute form (please call Ombudsman for Banking Services and Investments at 0-000-000-0000 and follow for resolution. You may also communicate the prompts for lost complaint or stolen cards) that must be completed and faxed to the customer service team. Please note that this form must be received within sixty (60) days inquiry to: Financial Consumer Agency of the date of the disputed transaction or you will have been deemed to have accepted such transaction. If a Merchants fails to honour the CardCanada 000 Xxxxxxx Xxxxxx Xxxx, please call 0xx Xxxxx Xxxxxx, XX, X0X 0X0 Telephone: 0-000-000-0000 xxx.xxxx-xxxx.xx.xx CALL MONITORING: We may monitor and record telephone calls between you and us to report ensure the incident. Arbitration: Subject to all other terms quality of this Agreement, and to the extent not prohibited customer service or as required by Applicable Law. NO WARRANTY OF AVAILABILITY OR UNINTERRUPTED USE: From time to time Card services may be inoperative, and when this happens, you may be unable to use your Card or obtain information about the Balance on your Card. Please notify us if you have any problems using your Card. You agree that we are not responsible for any claim interruption of service. WEBSITE AND AVAILABILITY: Although considerable effort is expended to make our Website and other operational and communications channels available around the clock, we do not warrant these channels to be available and error free at all times. You agree that we will not be responsible for temporary interruptions in service due to maintenance, website changes, or failures, nor shall we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of natures, labour disputes and armed conflicts. We shall not bear any liability, whatsoever, for any damage or interruptions caused by any “computer viruses” that may affect your computer or other equipment. You agree to act responsibly with regard to the Website and its use. You will not violate any laws, interfere or disrupt computer networks, impersonate another person or entity, violate the rights of any kind against usthird party, the Program Managerstalk, threaten or harass anyone, gain any unauthorized entry, or American Express arising from or related to this Agreement or interfere with the use of the Card (i) shall be resolved by final website’s systems and binding arbitration before a single arbitrator at Vancouver, British Columbia and (ii) shall not be brought through class or individual litigation proceedings. If such a claim is advanced by class proceeding by any other person on your behalf, you will opt out of, or not opt into, such proceedings as circumstances dictateintegrity.

Purchase Disputes and Refunds. If you believe a transaction on your Card account is incorrect, you must notify us in writing of your dispute within sixty (60) days of the transaction date. Following your notification, a form will need to be completed and sent to xxxx@xxxxxxxxxxxxxx.xxx the customer service team within sixty (60) days of the transaction date. You can obtain a dispute form by calling 0.000.000.0000 and following the prompts for lost or stolen cards. Please note that this form must be received within sixty (60) days of the date of the disputed transaction or you will have been deemed to have accepted such transaction. If you identify an error in any transaction record, you must address such error with the applicable merchant or ATM operator. If there is any dispute in regard to regarding purchases you make using the Card, you agree to settle such disputes with the merchant from whom the purchase was made. We are not responsible or liable to you (i) for the quality, safety, legality, or any other aspect of goods or services purchased from any Merchant with the Card, (ii) if any Merchant refuses to honour the Card or special offers and/or (iii) for any other problems you may have with any merchant. Please ask the merchant for any return policy that may apply to purchases made with the Card. We are not responsible for any problems you may have with any goods or services that you purchase with your Card, whether with regard to quality, safety, legality, or any other aspect of your purchase. If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Balance on your Card in place of cash. If you believe a transaction on your account is incorrect, you must notify us in writing Arbitration (not applicable to residents of your dispute within sixty (60) days of the transaction date. You can obtain a dispute form (please call 0-000-000-0000 and follow the prompts for lost or stolen cards) that must be completed and faxed to the customer service team. Please note that this form must be received within sixty (60) days of the date of the disputed transaction or you will have been deemed to have accepted such transaction. If a Merchants fails to honour the Card, please call 0-000-000-0000 to report the incident. Arbitration: Subject to all other terms of this Agreement, and to Quebec): To the extent not prohibited permitted by Applicable Law, you agree that any claim or dispute arising out of any kind against us, the Program Manager, or American Express arising from or related to this Agreement or the use of the Card (i) shall be resolved by final and binding arbitration before a single arbitrator at Vancouver, British Columbia and (ii) shall not be brought through class or individual litigation proceedings. If such a claim is advanced by class proceeding by any other person on your behalf, you will opt out of, or not opt into, such proceedings as circumstances dictate.

Purchase Disputes and Refunds. If you have a question or a problem about a posted transaction (for example, a transaction that appears to be a duplicate transaction) you must notify us immediately and no later than sixty (60) days from the date of the transaction or you will be deemed to have accepted such posted transaction. You must tell us your Card number, the date and dollar amount of the error, and explain as clearly as possible why you believe there is an error. If we ask you to put your dispute in writing, you agree to do so within five (5) business days. We will investigate and notify you of the results of our investigation within sixty (60) days [up to ninety (90) days for international disputes]. If there is any dispute in regard to purchases you make using the Card, you agree to settle such disputes with the merchant from whom the purchase was made. We are not responsible for any problems that you may have with any goods or liable services that you purchase with your Card, whether with regard to you (i) for the quality, safety, legality, or any other aspect of goods or services purchased from any Merchant with the Card, (ii) if any Merchant refuses to honour the Card or special offers and/or (iii) for any other problems you may have with any merchant. Please ask the merchant for any return policy that may apply to purchases made with the Cardyour purchase. If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Balance on your Card in place of cash. If you believe have a transaction on complaint or inquiry about any aspect of your account Card Balance, please call our complaint officer at 0-000-000-0000. We will do our best to resolve your complaint or inquiry. If for some reason Peoples Trust is incorrectunable to do so to your satisfaction, you must notify us in writing of may refer your dispute within sixty (60) days of inquiry or concern to the transaction date. You can obtain a dispute form (please call Ombudsman for Banking Services and Investments at 0-000-000-0000 and follow for resolution. You may also communicate the prompts for lost complaint or stolen cards) that must be completed and faxed to the customer service team. Please note that this form must be received within sixty (60) days inquiry to: Financial Consumer Agency of the date of the disputed transaction or you will have been deemed to have accepted such transaction. If a Merchants fails to honour the CardCanada 000 Xxxxxxx Xxxxxx Xxxx, please call 0xx Xxxxx Xxxxxx, XX, X0X 0X0 Telephone: 0-000-000-0000 xxx.xxxx-xxxx.xx.xx CALL moNItoRINg: We may monitor and record telephone calls between you and us to report ensure the incidentquality of customer service or as required by Applicable Law. ArbitrationNo WARRANtY oF AVAILABILItY oR UNINtERRUPtEd USE: Subject From time to time Card services may be inoperative, and when this happens, you may be unable to use your Card or obtain information about the Balance on your Card. Please notify us if you have any problems using your Card. You agree that we are not responsible for any interruption of service. WEBSItE ANd AVAILABILItY: Although considerable effort is expended to make our Website and other operational and communications channels available around the clock, we do not warrant these channels to be available and error free at all times. You agree that we will not be responsible for temporary interruptions in service due to maintenance, website changes, or failures, nor shall we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of natures, labour disputes and armed conflicts. We shall not bear any liability, whatsoever, for any damage or interruptions caused by any “computer viruses” that may affect your computer or other terms equipment. You agree to act responsibly with regard to the Website and its use. You will not violate any laws, interfere or disrupt computer networks, impersonate another person or entity, violate the rights of any third party, stalk, threaten or harass anyone, gain any unauthorized entry, or interfere with the website’s systems and integrity. ASSIgNmENt ANd WAIVER: At our sole discretion, we may assign our rights and responsibilities under this Agreement at any time and without notice to you. This Agreement will remain binding on you and your respective executors, administrators, successors, representatives and permitted assigns. In the event we reimburse you for a refund claim you have made or if we otherwise provide you with a credit or payment with respect to any problem arising out of any transaction made with the Card, you are automatically deemed to assign and transfer to us any rights and claims (excluding tort claims) that you have, had or may have against any third party for an amount equal to the amount we have paid to you or credited to your Card. You agree that you will not pursue any claim against or reimbursement from such third party for the amount that we paid or credited to your Card, and that you will cooperate with us if we decide to pursue the third party for the amount paid or credited. If we do not exercise our rights under this Agreement, we do not give up our rights to exercise them in the future. dISCLAImER oF WARRANtIES: EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, WHETHER EXPRESS OR IMPLIED, REGARDING ANY SUBJECT MATTER OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE. LImItAtIoN oF LIABILItY: NEITHER PEOPLES TRUST NOR ITS PROGRAM MANAGER NOR THE PROGRAM SPONSOR WILL BE LIABLE IN ANY WAY FOR ANY DISPUTE ARISING OUT OF THE PURCHASE OF MERCHANDISE OR SERVICES USING THE CARD OR THE FAILURE OF ANY RETAILER TO HONOUR THE CARD OR THE FAILURE OF AN ATM MACHINE TO DISPENSE CASH. PEOPLES TRUST, THE PROGRAM MANAGER AND THE PROGRAM SPONSORS ARE NOT RESPONSIBLE FOR ANY FAILURE TO SUPPLY, LACK OF SUITABILITY OR QUALITY OF ANY GOODS OR SERVICES PURCHASED FROM RETAILERS THROUGH THE USE OF THE CARD. NEITHER PEOPLES TRUST NOR ITS PROGRAM MANAGERS NOR THE PROGRAM SPONSOR WILL BE LIABLE FOR ANY ACTION OR FAILURE TO ACT OF A RETAILER OR A REFUSAL BY A RETAILER TO HONOUR THE CARD, WHETHER OR NOT SUCH FAILURE OR REFUSAL IS AS A RESULT OF ANY ERROR OR MALFUNCTION OF EQUIPMENT USED TO EFFECT AN AUTHORIZATION OF THE CARD. PEOPLES TRUST AND ITS PROGRAM MANAGER WILL NOT BE LIABLE FOR ANY DAMAGE, LOSS OR INCONVENIENCE YOU MAY INCUR IF YOU ARE UNABLE TO USE THE CARD AS A RESULT OF ANY FAILURE, ERROR, MALFUNCTION OR TECHNICAL PROBLEM WITH OR AT OUR PROGRAM SPONSORS’ OR WITH OUR OR OUR SERVICE PROVIDERS’ SYSTEMS OR EQUIPMENT, OR WITH AN ATM. EXCEPT AS OTHERWISE EXPRESSLY REQUIRED BY THIS AGREEMENT OR APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR PERFORMING OR FAILING TO PERFORM ANY OBLIGATION UNDER THIS AGREEMENT UNLESS WE HAVE ACTED IN BAD FAITH. WITHOUT LIMITING THE FOREGOING, WE WILL NOT BE LIABLE TO YOU FOR DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, RIOTS, FAILURE OF MERCHANTS TO HONOR THE CARD, FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES, FAILURE OF COMMUNICATION SYSTEMS, OR FAILURES OF OR DIFFICULTIES WITH OUR EQUIPMENT OR SYSTEMS. NOT IN LIMITATION OF THE FOREGOING, WE WILL NOT BE LIABLE TO YOU FOR ANY DELAY, FAILURE OR MALFUNCTION ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICE, ANY PAYMENT SYSTEM OR ANY CUSTOMER SERVICE FUNCTION. IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER ACTUAL AND DIRECT DAMAGES. IN NO EVENT SHALL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES. goVERNINg LAW: The parties attorn to the jurisdiction of British Columbia and this Agreement shall be construed in accordance with and governed by the laws of the Province of British Columbia and Canada. ENtIRE AgREEmENt: This Agreement sets forth the entire understanding and Agreement between You and us, whether written or oral, with respect to the subject matter hereof and supersedes any prior or contemporaneous understandings or Agreements with respect to such subject matter. SECtIoN hEAdINgS: Section headings in this Agreement are for convenience of reference only, and shall not govern the interpretation of any provision of this Agreement, and to the extent not prohibited by Applicable Law, you agree that any claim of any kind against us, the Program Manager, or American Express arising from or related to this Agreement or the use of the Card (i) shall be resolved by final and binding arbitration before a single arbitrator at Vancouver, British Columbia and (ii) shall not be brought through class or individual litigation proceedings. If such a claim is advanced by class proceeding by any other person on your behalf, you will opt out of, or not opt into, such proceedings as circumstances dictate.

Purchase Disputes and Refunds. If there is any dispute in regard to purchases you make using the Card, you agree to settle such disputes with the merchant Merchant from whom the purchase was made. We are not responsible for any problems that you may have with any goods or liable services that you purchase with your Card, whether with regard to you (i) for the quality, safety, legality, or any other aspect of goods or services purchased from any Merchant with the Card, (ii) if any Merchant refuses to honour the Card or special offers and/or (iii) for any other problems you may have with any merchant. Please ask the merchant for any return policy that may apply to purchases made with the Cardyour purchase. If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Balance on your Card in place of cash. If you believe have a question or a problem about a posted transaction (for example, a transaction on your account is incorrect, that appears to be a duplicate transaction) you must notify us in writing via the toll-free phone number or mailing address located at the top of this agreement immediately and no later than sixty (60) days from the date of the transaction or you will be deemed to have accepted such posted transaction. You must tell us your Card number, the date and dollar amount of the error, and explain as clearly as possible why you believe there is an error. If we ask you to put your dispute in writing, you agree to do so within five (5) business days. We will investigate and will notify you of the results of our investigation within sixty (60) days of the transaction date. You can obtain a dispute form (please call 0-000-000-0000 and follow the prompts for lost or stolen cards) that must be completed and faxed to the customer service team. Please note that this form must be received within sixty (60) days of the date of the disputed transaction or you will have been deemed to have accepted such transactionbusiness days. If a Merchants fails there is any dispute in regard to honour purchases you make using the Card, please call 0-000-000-0000 you agree to report settle such disputes with the incidentMerchant from whom the purchase was made. ArbitrationWe are not responsible for any problems that you may have with any goods or services that you purchase with your Card, whether with regard to quality, safety, legality, or any other aspect of your purchase. If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Balance on your Card in place of cash. Notification and change of terms: Subject to all other the limitations of Applicable Law, we may at any time change or remove any of the terms and conditions of, or add new terms or conditions to this Agreement, except that we will never add any new fees to your Card or increase any existing fees. We will post any such changes, as well as the most recent version of this Agreement, and on the Website. As of the effective date included in any notice, the changed or new terms will apply to the Card, including, without limitation, all future transactions made using the Card. You are responsible for checking our Website for such notifications. You will be deemed to accept and be bound by the amendment upon use of the Card following the effective date of the amendment. If you do not agree to any change of this Agreement, you agree to immediately stop using the Card and notify Peoples Trust Company that you are terminating this Agreement. Notwithstanding the foregoing, advance notice of any change may not be given if it is necessary to make any such change immediately in order to maintain or restore the security of the Card or any related payment system or comply with Applicable Law. If such a situation does arise, then you will be given notice as soon as reasonably possible in the circumstances. Arbitration (not applicable to residents of Quebec): To the extent not prohibited permitted by Applicable Law, you agree that any claim or dispute arising out of any kind against us, the Program Manager, or American Express arising from or related relating to this Agreement or the use of the Card (i) shall be resolved by final and binding arbitration before a single arbitrator at Vancouver, British Columbia and (ii) shall not be brought through class or individual litigation proceedings. If such a claim is advanced by class proceeding by any other person on your behalf, you will opt out of, or not opt into, such proceedings as circumstances dictate.dictate.‌

Purchase Disputes and Refunds. If you believe a transaction on your Card account is incorrect, you must notify We Financial in writing of your dispute within thirty (30) days of the transaction date. Following your notification, a form will need to be completed and faxed to the customer service team within thirty (30) days of the transaction date. You can obtain a dispute form by calling 0-000-000-0000 and following the prompts for lost or stolen cards or go to xxx.xxxxxxxxxxx.xx. Please note that this form must be received within thirty (30) days of the date of the disputed transaction or you will have been deemed to have accepted such transaction. If you identify an error in any transaction record, you must address such error with the applicable merchant or ATM operator. If there is any dispute in regard regards to purchases you make using the Card, you agree to settle such disputes with the merchant from whom the purchase was made. We are not responsible or liable to you (i) for the quality, safety, legality, or any other aspect of goods or services purchased from any Merchant with the Card, (ii) if any Merchant refuses to honour the Card or special offers and/or (iii) for any other problems you may have with any merchant. Please ask the merchant for any return policy that may apply to purchases made with the Card. We are not responsible for any problems you may have with any goods or services that you purchase with your Card, whether with regard to quality, safety, legality, or any other aspect of your purchase. If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Balance on your Card in place of cash. If you believe a transaction on your account is incorrect, you must notify us in writing of your dispute within sixty (60) days of the transaction date. You can obtain a dispute form (please call 0-000-000-0000 and follow the prompts for lost or stolen cards) that must be completed and faxed to the customer service team. Please note that this form must be received within sixty (60) days of the date of the disputed transaction or you will have been deemed to have accepted such transaction. If a Merchants fails to honour the Card, please call 0-000-000-0000 to report the incident. Arbitration: Subject to all other terms of this Agreement, and to the extent not prohibited by Applicable Law, you agree that any claim of any kind against us, the Program ManagerWe Financial, North West, or American Express Visa arising from or related to this Agreement or the use of the Card (i) shall be resolved by final and binding arbitration before a single arbitrator at Vancouver, British Columbia and (ii) shall not be brought through class or individual litigation proceedings. If such a claim is advanced by class proceeding by any other person on your behalf, you will opt out of, or not opt into, such proceedings as circumstances dictate.