REWARDS PROGRAMS. If your account allows you to earn rewards that may be redeemed for merchandise, travel or other products and services, the terms that apply to the rewards program are part of this Agreement and are provided to you with this Agreement. Rewards program terms are also available at xxx.xxxx.xx Affinity or co-brand relationships Your account may allow you to participate in loyalty programs of other selected organizations. These companies do not act on our behalf. They are solely responsible to you for the services and benefits offered through their loyalty programs as well as the administration of such programs, including Loyalty program terms are available from the organizations offering such programs the manner in which you can earn and redeem. These loyalty programs are subject to terms that are separate and distinct from this Agreement. Other special services and benefits We may make special services and benefits available to you, some of which may be at an additional cost to you. Some services and benefits may be features of your account, while others are optional and must be enrolled in or purchased separately. Certain benefits or services may be subject to separate and distinct terms and conditions. You may cancel any optional services or benefits in accordance with their respective terms. Certain account services and benefits are supplied by third parties. These third parties are solely responsible to you for the services and benefits offered or provided by them. Some features on your account are optional and require specific enrollment You will not be unduly pressured by us to buy a product or service that you do not want in order for us to agree to provide this account to you Your privacy is important to us Our commitment to your privacy In your account application, we obtained your consent for the collection, protection, use, sharing and retention of your Personal Information as set forth in the MBNA Privacy Notice, which is incorporated into and forms an important part of this Agreement. The MBNA Privacy Notice provides complete details on our privacy commitments and is included as a separate brochure with this Agreement and is available online at xxx.xxxx.xx or by calling us to request a copy. In the event of any conflict or inconsistency between this Agreement and the MBNA Privacy Notice, the MBNA Privacy Notice will govern with respect to privacy matters only. If you have any questions about your Personal Information, please refer to the MBNA Privacy Notice, call us toll-free at 0-000-000-0000 (English) or 0-000-000-0000 (French) or write to us at MBNA, Privacy Office, X.X. Xxx 0000, Xxxxxxx X, Xxxxxx, XX X0X 0X0. For a full copy of the MBNA and CUETS Financial Privacy Notice, please visit xxx.xxxx.xx This section is a summary of key points of the MBNA Privacy Notice. We may collect and confirm Personal Information during the course of our relationship with you from a variety of sources, including you and other individuals authorized to act on your behalf; credit reporting agencies and other financial institutions; references you provide to us; commercially available sources; endorsing organizations; affiliate organizations; service providers; and from other sources, as necessary, for the provision of our products and services. We may collect, use, share, disclose and retain your Personal Information with any of our respective affiliates, agents, service providers and other third parties in accordance with the MBNA Privacy Notice. Collecting, protecting, using, sharing, disclosing and retaining your Personal Information We collect, protect, use, share, disclose and retain your Personal Information to: • consider initiating and to initiate, open, monitor, maintain and service your account • administer services, evaluate your credit eligibility and monitor your transactions and financial behaviour • verify your identity (such as name, address, telephone number/contact information, date of birth and occupation) and maintain security measures aimed at protecting you from identity theft, fraud, criminal activity, money laundering/ terrorist financing and Unauthorized Use or access to your account • meet legal, security, processing and regulatory requirements • prevent, detect or suppress financial abuse, fraud or criminal activity, protect our assets and interests, assist us with any internal or external investigation into potentially illegal or suspicious activity, or manage or settle any actual or potential loss in connection with the foregoing • promote products and services offered by us and carefully selected third parties that may be of interest to you, by means of direct marketing through ordinary mail, Internet, online chat or email; by telephone, mobile, text messaging or other available communication channels (such as automatic dialing-announcing devices (“ADAD”), predictive dialing devices (“PDD”), wireless device, land line telephone, fax machine, data terminal or other electronic communication methods) at the contact information you have provided to us; we may also send you special offers with your account statements or in separate mailings that may include personal cheques to access your account. If you provide your Social Insurance Number (“SIN”), we will only use it to match credit reporting agency information and for security verification and account maintenance purposes. By using your account, you consent to the collection, protection, use, sharing, disclosure and retention of your Personal Information as set out in the MBNA Privacy Notice. Subject to certain limitations and legal and contractual restrictions, you may withdraw your consent at any time after your account has been opened by calling or writing us. This will not limit information we may provide to you in statements, when you contact us or when we otherwise service your account. As an example of a limitation, you may not withdraw your consent relating to the ongoing collection and disclosure of credit information. This is required in order to maintain the integrity of the credit reporting system and to monitor your credit status or your ongoing eligibility for credit. Not allowing us to use information about you may mean that we may no longer be able to maintain your account. We will withhold your name from any secondary marketing campaign for the first 30 days after the opening of your account to provide you an opportunity to make your privacy choice known to us. You acknowledge that authorized users on your account may view, obtain or be provided information about your account, including transactions, balance and available credit, through online banking, interactive voice response systems or through other communications with us, including discussions initiated by us relating to possible Unauthorized Use of your account or for other reasons. You also consent to and authorize us (and our affiliates and service providers) for our mutual protection, to monitor and/or record any of your telephone conversations and online chat communications with our representatives or the representatives of any of our affiliates and service providers for purposes of education, quality control and recordkeeping. Personal Information held on behalf of us or by our agents and service providers may be located in the United States or elsewhere outside of Canada and will be subject to the same levels of security as those described in the MBNA Privacy Notice, while also being subject to the laws of the jurisdiction in which the information is held. For example, information may be disclosed in response to valid demands or requests from government authorities, courts or law enforcement in these countries. You acknowledge and agree that the paragraphs above under the heading “Your privacy is important to us” and as set out in the MBNA Privacy Notice constitute prior written notice to you of, and your consent to, the collection, protection, use, sharing, disclosure and retention of your Personal Information as described. Customer choices on how your Personal Information is used At the beginning of a customer relationship and on a regular basis, we give customers the choice of not receiving promotions and marketing offers. If you do not wish to receive promotions and marketing offers as outlined in the MBNA Privacy Notice at any time after your account has been opened, please call us at 0-000-000-0000 (English) or 0-000-000-0000 (French) or write to us at MBNA, Privacy Office, X.X. Xxx 0000, Xxxxxxx X, Xxxxxx, XX X0X 0X0. Access to your Personal Information You can access your Personal Information held by us, with some exceptions, and make corrections to it. Upon written request, we will disclose to you the Personal Information about you in our records, and you may correct such Personal Information that is inaccurate or incomplete. To request access to your Personal Information in our possession or to make corrections to it, contact us at the number indicated in the “Our commitment to your privacy” section above, to obtain, complete and submit a Personal Information Request Form or write to our Privacy Officer at the address listed in the “Our commitment to your privacy” section, above. Normally, we will respond to access or correction requests within 30 days. If, for any reason, we do not fulfill your Personal Information access request, we will provide you with written reasons. ADDITIONAL IMPORTANT INFORMATION FOR QUEBEC CUSTOMERS This box contains information required under the Quebec Consumer Protection Act (the “Act”). For any questions pertaining to the sections included in this box, you can communicate, when necessary, with the Office de la protection du consommateur. For ease of reference, some of the words used in this Agreement correspond to certain terms used in the Quebec Consumer Protection Act (the “Act”), as set out below. Term used in this Agreement Corresponding meaning used in the Act Credit limit Amount up to which credit is granted Annual interest rate Credit rate Interest charges Credit charges Grace period Period during which the consumer may discharge the obligation without being compelled to pay credit charges Annual Fees Membership or renewal fees MBNA / We Merchant / lender / open credit merchant You Consumer Please note that this Agreement is an Open Credit Contract (the Act s. 125).
Appears in 1 contract
Samples: Account Agreement
REWARDS PROGRAMS. If your account allows you to earn rewards that may be redeemed for merchandise, travel or other products and services, the terms that apply to the rewards program are part of this Agreement and are provided to you with this Agreement. Rewards program terms are also available at xxx.xxxx.xx Affinity or co-brand relationships Your account may allow you to participate in loyalty programs of other selected organizations. These companies do not act on our behalf. They are solely responsible to you for the services and benefits offered through their loyalty programs as well as the administration of such programs, including Loyalty program terms are available from the organizations offering such programs the manner in which you can earn and redeem. These loyalty programs are subject to terms that are separate and distinct from this Agreement. Loyalty program terms are available from the organizations offering such programs Other special services and benefits We may make special services and benefits available to you, some of which may be at an additional cost to you. Some services and benefits may be features of your account, while others are optional and must be enrolled in or purchased separately. Certain benefits or services may be subject to separate and distinct terms and conditions. You may cancel any optional services or benefits in accordance with their respective terms. Certain account services and benefits are supplied by third parties. These third parties are solely responsible to you for the services and benefits offered or provided by them. Some features on your account are optional and require specific enrollment You will not be unduly pressured by us to buy a product or service that you do not want in order for us to agree to provide this account to you Your privacy is important to us Our commitment to your privacy In your account application, we obtained your consent for the collection, protection, use, sharing and retention of your Personal Information as set forth in the MBNA Privacy Notice, which is incorporated into and forms an important part of this Agreement. The MBNA Privacy Notice provides complete details on our privacy commitments and is included as a separate brochure with this Agreement and is available online at xxx.xxxx.xx or by calling us to request a copy. In the event of any conflict or inconsistency between this Agreement and the MBNA Privacy Notice, the MBNA Privacy Notice will govern with respect to privacy matters only. If you have any questions about your Personal Information, please refer to the MBNA Privacy Notice, call us toll-free at 0-000-000-0000 (English) or 0-000-000-0000 (French) or write to us at MBNA, Privacy Office, X.X. Xxx 0000, Xxxxxxx X, Xxxxxx, XX X0X 0X0. For a full copy of the MBNA and CUETS Financial Privacy Notice, please visit xxx.xxxx.xx This section is a summary of key points of the MBNA Privacy Notice. We may collect and confirm Personal Information during the course of our relationship with you from a variety of sources, including you and other individuals authorized to act on your behalf; credit reporting agencies and other financial institutions; references you provide to us; commercially available sources; endorsing organizations; affiliate organizations; service providers; and from other sources, as necessary, for the provision of our products and services. We may collect, use, share, disclose and retain your Personal Information with any of our respective affiliates, agents, service providers and other third parties in accordance with the MBNA Privacy Notice. Collecting, protecting, using, sharing, disclosing and retaining your Personal Information We collect, protect, use, share, disclose and retain your Personal Information to: • consider initiating and to initiate, open, monitor, maintain and service your account • administer services, evaluate your credit eligibility and monitor your transactions and financial behaviour • verify your identity (such as name, address, telephone number/contact information, date of birth and occupation) and maintain security measures aimed at protecting you from identity theft, fraud, criminal activity, money laundering/ terrorist financing and Unauthorized Use or access to your account • meet legal, security, processing and regulatory requirements • prevent, detect or suppress financial abuse, fraud or criminal activity, protect our assets and interests, assist us with any internal or external investigation into potentially illegal or suspicious activity, or manage or settle any actual or potential loss in connection with the foregoing • promote products and services offered by us and carefully selected third parties that may be of interest to you, by means of direct marketing through ordinary mail, Internet, online chat or email; by telephone, mobile, text messaging or other available communication channels (such as automatic dialing-announcing devices (“ADAD”), predictive dialing devices (“PDD”), wireless device, land line telephone, fax machine, data terminal or other electronic communication methods) at the contact information you have provided to us; we may also send you special offers with your account statements or in separate mailings that may include personal cheques to access your account. account If you provide your Social Insurance Number (“SIN”), we will only use it to match credit reporting agency information and for security verification and account maintenance purposes. By using your account, you consent to the collection, protection, use, sharing, disclosure and retention of your Personal Information as set out in the MBNA Privacy Notice. Subject to certain limitations and legal and contractual restrictions, you may withdraw your consent at any time after your account has been opened by calling or writing us. This will not limit information we may provide to you in statements, when you contact us or when we otherwise service your account. As an example of a limitation, you may not withdraw your consent relating to the ongoing collection and disclosure of credit information. This is required in order to maintain the integrity of the credit reporting system and to monitor your credit status or your ongoing eligibility for credit. Not allowing us to use information about you may mean that we may no longer be able to maintain your account. We will withhold your name from any secondary marketing campaign for the first 30 days after the opening of your account to provide you an opportunity to make your privacy choice known to us. You acknowledge that authorized users on your account may view, obtain or be provided information about your account, including transactions, balance and available credit, through online banking, interactive voice response systems or through other communications with us, including discussions initiated by us relating to possible Unauthorized Use of your account or for other reasons. You also consent to and authorize us (and our affiliates and service providers) for our mutual protection, to monitor and/or record any of your telephone conversations and online chat communications with our representatives or the representatives of any of our affiliates and service providers for purposes of education, quality control and recordkeeping. Personal Information held on behalf of us or by our agents and service providers may be located in the United States or elsewhere outside of Canada and will be subject to the same levels of security as those described in the MBNA Privacy Notice, while also being subject to the laws of the jurisdiction in which the information is held. For example, information may be disclosed in response to valid demands or requests from government authorities, courts or law enforcement in these countries. You acknowledge and agree that the paragraphs above under the heading “Your privacy is important to us” and as set out in the MBNA Privacy Notice constitute prior written notice to you of, and your consent to, the collection, protection, use, sharing, disclosure and retention of your Personal Information as described. Customer choices on how your Personal Information is used At the beginning of a customer relationship and on a regular basis, we give customers the choice of not receiving promotions and marketing offers. If you do not wish to receive promotions and marketing offers as outlined in the MBNA Privacy Notice at any time after your account has been opened, please call us at 0-000-000-0000 (English) or 0-000-000-0000 (French) or write to us at MBNA, Privacy Office, X.X. Xxx 0000, Xxxxxxx X, Xxxxxx, XX X0X 0X0. Access to your Personal Information You can access your Personal Information held by us, with some exceptions, and make corrections to it. Upon written request, we will disclose to you the Personal Information about you in our records, and you may correct such Personal Information that is inaccurate or incomplete. To request access to your Personal Information in our possession or to make corrections to it, contact us at the number indicated in the “Our commitment to your privacy” section above, to obtain, complete and submit a Personal Information Request Form or write to our Privacy Officer at the address listed in the “Our commitment to your privacy” section, above. Normally, we will respond to access or correction requests within 30 days. If, for any reason, we do not fulfill your Personal Information access request, we will provide you with written reasons. ADDITIONAL IMPORTANT INFORMATION FOR QUEBEC CUSTOMERS This box contains information required under the Quebec Consumer Protection Act (the “Act”). For any questions pertaining to the sections included in this box, you can communicate, when necessary, with the Office de la protection du consommateur. For ease of reference, some of the words used in this Agreement correspond to certain terms used in the Quebec Consumer Protection Act (the “Act”), as set out below. Term used in this Agreement Corresponding meaning used in the Act Credit limit Amount The amount up to which credit is granted extended Annual interest rate Credit Annual credit rate Interest charges Credit charges Grace period Period The time during which the consumer may discharge the his/ her obligation without being compelled to pay credit charges Annual Fees Membership or renewal fees MBNA / We Merchant / lender / open credit merchant Merchant* You Consumer Please note that this Agreement is an Open a Contract Extending Variable Credit Contract (the Consumer Protection Act s. 125). Also, the Minimum Payment is the minimum payment required for each period. *For greater clarity, the term “merchant” refers to MBNA in the required clauses set out below.
Appears in 1 contract
Samples: Account Agreement
REWARDS PROGRAMS. If your account allows you to earn rewards that may be redeemed for merchandise, travel or other products and services, the terms that apply to the rewards program are part of this Agreement and are provided to you with this Agreement. Rewards program terms are also available at xxx.xxxx.xx Affinity or co-brand relationships Your account may allow you to participate in loyalty programs of other selected organizations. These companies do not act on our behalf. They are solely responsible to you for the services and benefits offered through their loyalty programs as well as the administration of such programs, including Loyalty program terms are available from the organizations offering such programs the manner in which you can earn and redeem. These loyalty programs are subject to terms that are separate and distinct from this Agreement. Other special services and benefits We may make special services and benefits available to you, some of which may be at an additional cost to you. Some services and benefits may be features of your account, while others are optional and must be enrolled in or purchased separately. Certain benefits or services may be subject to separate and distinct terms and conditions. You may cancel any optional services or benefits in accordance with their respective terms. Certain account services and benefits are supplied by third parties. These third parties are solely responsible to you for the services and benefits offered or provided by them. Some features on your account are optional and require specific enrollment You will not be unduly pressured by us to buy a product or service that you do not want in order for us to agree to provide this account to you Your privacy is important to us Our commitment to your privacy In your account application, we obtained your consent for the collection, protection, use, sharing and retention of your Personal Information as set forth in the MBNA Privacy Notice, which is incorporated into and forms an important part of this Agreement. The MBNA Privacy Notice provides complete details on our privacy commitments and is included as a separate brochure with this Agreement and is available online at xxx.xxxx.xx or by calling us to request a copy. In the event of any conflict or inconsistency between this Agreement and the MBNA Privacy Notice, the MBNA Privacy Notice will govern with respect to privacy matters only. If you have any questions about your Personal Information, please refer to the MBNA Privacy Notice, call us toll-free at 0-000-000-0000 (English) or 0-000-000-0000 (French) or write to us at MBNA, Privacy Office, X.X. Xxx 0000P.O. Box 9660, Xxxxxxx XStation T, XxxxxxOttawa, XX X0X 0X0ON K1G 6M9. For a full copy of the MBNA and CUETS Financial Privacy Notice, please visit xxx.xxxx.xx This section is a summary of key points of the MBNA Privacy Notice. We may collect and confirm Personal Information during the course of our relationship with you from a variety of sources, including you and other individuals authorized to act on your behalf; credit reporting agencies and other financial institutions; references you provide to us; commercially available sources; endorsing organizations; affiliate organizations; service providers; and from other sources, as necessary, for the provision of our products and services. We may collect, use, share, disclose and retain your Personal Information with any of our respective affiliates, agents, service providers and other third parties in accordance with the MBNA Privacy Notice. Collecting, protecting, using, sharing, disclosing and retaining your Personal Information We collect, protect, use, share, disclose and retain your Personal Information to: • consider initiating and to initiate, open, monitor, maintain and service your account • administer services, evaluate your credit eligibility and monitor your transactions and financial behaviour • verify your identity (such as name, address, telephone number/contact information, date of birth and occupation) and maintain security measures aimed at protecting you from identity theft, fraud, criminal activity, money laundering/ terrorist financing and Unauthorized Use or access to your account • meet legal, security, processing and regulatory requirements • prevent, detect or suppress financial abuse, fraud or criminal activity, protect our assets and interests, assist us with any internal or external investigation into potentially illegal or suspicious activity, or manage or settle any actual or potential loss in connection with the foregoing • promote products and services offered by us and carefully selected third parties that may be of interest to you, by means of direct marketing through ordinary mail, Internet, online chat or email; by telephone, mobile, text messaging or other available communication channels (such as automatic dialing-announcing devices (“ADAD”), predictive dialing devices (“PDD”), wireless device, land line telephone, fax machine, data terminal or other electronic communication methods) at the contact information you have provided to us; we may also send you special offers with your account statements or in separate mailings that may include personal cheques to access your account. If you provide your Social Insurance Number (“SIN”), we will only use it to match credit reporting agency information and for security verification and account maintenance purposes. By using your account, you consent to the collection, protection, use, sharing, disclosure and retention of your Personal Information as set out in the MBNA Privacy Notice. Subject to certain limitations and legal and contractual restrictions, you may withdraw your consent at any time after your account has been opened by calling or writing us. This will not limit information we may provide to you in statements, when you contact us or when we otherwise service your account. As an example of a limitation, you may not withdraw your consent relating to the ongoing collection and disclosure of credit information. This is required in order to maintain the integrity of the credit reporting system and to monitor your credit status or your ongoing eligibility for credit. Not allowing us to use information about you may mean that we may no longer be able to maintain your account. We will withhold your name from any secondary marketing campaign for the first 30 days after the opening of your account to provide you an opportunity to make your privacy choice known to us. us. You acknowledge that authorized users on your account may view, obtain or be provided information about your account, including transactions, balance and available credit, through online banking, interactive voice response systems or through other communications with us, including discussions initiated by us relating to possible Unauthorized Use of your account or for other reasons. You also consent to and authorize us (and our affiliates and service providers) for our mutual protection, to monitor and/or record any of your telephone conversations and online chat communications with our representatives or the representatives of any of our affiliates and service providers for purposes of education, quality control and recordkeeping. Personal Information held on behalf of us or by our agents and service providers may be located in the United States or elsewhere outside of Canada and will be subject to the same levels of security as those described in the MBNA Privacy Notice, while also being subject to the laws of the jurisdiction in which the information is held. For example, information may be disclosed in response to valid demands or requests from government authorities, courts or law enforcement in these countries. You acknowledge and agree that the paragraphs above under the heading “Your privacy is important to us” and as set out in the MBNA Privacy Notice constitute prior written notice to you of, and your consent to, the collection, protection, use, sharing, disclosure and retention of your Personal Information as described. Customer choices on how your Personal Information is used At the beginning of a customer relationship and on a regular basis, we give customers the choice of not receiving promotions and marketing offers. If you do not wish to receive promotions and marketing offers as outlined in the MBNA Privacy Notice at any time after your account has been opened, please call us at 0-000-000-0000 (English) or 0-000-000-0000 (French) or write to us at MBNA, Privacy Office, X.X. Xxx 0000P.O. Box 9660, Xxxxxxx XStation T, XxxxxxOttawa, XX X0X 0X0ON K1G 6M9. Access to your Personal Information You can access your Personal Information held by us, with some exceptions, and make corrections to it. Upon written request, we will disclose to you the Personal Information about you in our records, and you may correct such Personal Information that is inaccurate or incomplete. To request access to your Personal Information in our possession or to make corrections to it, contact us at the number indicated in the “Our commitment to your privacy” section above, to obtain, complete and submit a Personal Information Request Form or write to our Privacy Officer at the address listed in the “Our commitment to your privacy” section, above. Normally, we will respond to access or correction requests within 30 days. If, for any reason, we do not fulfill your Personal Information access request, we will provide you with written reasons. ADDITIONAL IMPORTANT INFORMATION FOR QUEBEC CUSTOMERS CUSTOMERS This box contains information required under the Quebec Consumer Protection Act (the “Act”). For any questions pertaining to the sections included in this box, you can communicate, when necessary, with the Office de la protection du consommateur. For ease of reference, some of the words used in this Agreement correspond to certain terms used in the Quebec Consumer Protection Act (the “Act”), as set out below. Term used in this Agreement Corresponding meaning used in the Act Credit limit Amount up to which credit is granted Annual interest rate Credit rate Interest charges Credit charges Grace period Period during which the consumer may discharge the obligation without being compelled to pay credit charges Annual Fees Membership or renewal fees MBNA / We Merchant / lender / open credit merchant You Consumer Please note that this Agreement is an Open Credit Contract (the Act s. 125).
Appears in 1 contract
Samples: Account Agreement
REWARDS PROGRAMS. If your account allows you to earn rewards that may be redeemed for merchandise, travel or other products and services, the terms that apply to the rewards program are part of this Agreement and are provided to you with this Agreement. Rewards program terms are also available at xxx.xxxx.xx Affinity or co-brand relationships Your account may allow you to participate in loyalty programs of other selected organizations. These companies do not act on our behalf. They are solely responsible to you for the services and benefits offered through their loyalty programs as well as the administration of such programs, including Loyalty program terms are available from the organizations offering such programs the manner in which you can earn and redeem. These loyalty programs are subject to terms that are separate and distinct from this Agreement. Loyalty program terms are available from the organizations offering such programs Other special services and benefits We may make special services and benefits available to you, some of which may be at an additional cost to you. Some services and benefits may be features of your account, while others are optional and must be enrolled in or purchased separately. Certain benefits or services may be subject to separate and distinct terms and conditions. You may cancel any optional services or benefits in accordance with their respective terms. Certain account services and benefits are supplied by third parties. These third parties are solely responsible to you for the services and benefits offered or provided by them. Some features on your account are optional and require specific enrollment You will not be unduly pressured by us to buy a product or service that you do not want in order for us to agree to provide this account to you Your privacy is important to us Our commitment to your privacy In your account application, we obtained your consent for the collection, protection, use, sharing and retention of your Personal Information as set forth in the MBNA Privacy Notice, which is incorporated into and forms an important part of this Agreement. The MBNA Privacy Notice provides complete details on our privacy commitments and is included as a separate brochure with this Agreement and is available online at xxx.xxxx.xx or by calling us to request a copy. In the event of any conflict or inconsistency between this Agreement and the MBNA Privacy Notice, the MBNA Privacy Notice will govern with respect to privacy matters only. If you have any questions about your Personal Information, please refer to the MBNA Privacy Notice, call us toll-free at 0-000-000-0000 (English) or 0-000-000-0000 (French) or write to us at MBNA, Privacy Office, X.X. Xxx 0000, Xxxxxxx X, Xxxxxx, XX X0X 0X0. For a full copy of the MBNA and CUETS Financial Privacy Notice, please visit xxx.xxxx.xx This section is a summary of key points of the MBNA Privacy Notice. We may collect and confirm Personal Information during the course of our relationship with you from a variety of sources, including you and other individuals authorized to act on your behalf; credit reporting agencies and other financial institutions; references you provide to us; commercially available sources; endorsing organizations; affiliate organizations; service providers; and from other sources, as necessary, for the provision of our products and services. We may collect, use, share, disclose and retain your Personal Information with any of our respective affiliates, agents, service providers and other third parties in accordance with the MBNA Privacy Notice. Collecting, protecting, using, sharing, disclosing and retaining your Personal Information We collect, protect, use, share, disclose and retain your Personal Information to: • consider initiating and to initiate, open, monitor, maintain and service your account • administer services, evaluate your credit eligibility and monitor your transactions and financial behaviour • verify your identity (such as name, address, telephone number/contact information, date of birth and occupation) and maintain security measures aimed at protecting you from identity theft, fraud, criminal activity, money laundering/ terrorist financing and Unauthorized Use or access to your account • meet legal, security, processing and regulatory requirements • prevent, detect or suppress financial abuse, fraud or criminal activity, protect our assets and interests, assist us with any internal or external investigation into potentially illegal or suspicious activity, or manage or settle any actual or potential loss in connection with the foregoing • promote products and services offered by us and carefully selected third parties that may be of interest to you, by means of direct marketing through ordinary mail, Internet, online chat or email; by telephone, mobile, text messaging or other available communication channels (such as automatic dialing-announcing devices (“ADAD”), predictive dialing devices (“PDD”), wireless device, land line telephone, fax machine, data terminal or other electronic communication methods) at the contact information you have provided to us; we may also send you special offers with your account statements or in separate mailings that may include personal cheques to access your account. If you provide your Social Insurance Number (“SIN”), we will only use it to match credit reporting agency information and for security verification and account maintenance purposes. By using your account, you consent to the collection, protection, use, sharing, disclosure and retention of your Personal Information as set out in the MBNA Privacy Notice. Subject to certain limitations and legal and contractual restrictions, you may withdraw your consent at any time after your account has been opened by calling or writing us. This will not limit information we may provide to you in statements, when you contact us or when we otherwise service your account. As an example of a limitation, you may not withdraw your consent relating to the ongoing collection and disclosure of credit information. This is required in order to maintain the integrity of the credit reporting system and to monitor your credit status or your ongoing eligibility for credit. Not allowing us to use information about you may mean that we may no longer be able to maintain your account. We will withhold your name from any secondary marketing campaign for the first 30 days after the opening of your account to provide you an opportunity to make your privacy choice known to us. You acknowledge that authorized users on your account may view, obtain or be provided information about your account, including transactions, balance and available credit, through online banking, interactive voice response systems or through other communications with us, including discussions initiated by us relating to possible Unauthorized Use of your account or for other reasons. You also consent to and authorize us (and our affiliates and service providers) for our mutual protection, to monitor and/or record any of your telephone conversations and online chat communications with our representatives or the representatives of any of our affiliates and service providers for purposes of education, quality control and recordkeeping. Personal Information held on behalf of us or by our agents and service providers may be located in the United States or elsewhere outside of Canada and will be subject to the same levels of security as those described in the MBNA Privacy Notice, while also being subject to the laws of the jurisdiction in which the information is held. For example, information may be disclosed in response to valid demands or requests from government authorities, courts or law enforcement in these countries. You acknowledge and agree that the paragraphs above under the heading “Your privacy is important to us” and as set out in the MBNA Privacy Notice constitute prior written notice to you of, and your consent to, the collection, protection, use, sharing, disclosure and retention of your Personal Information as described. Customer choices on how your Personal Information is used At the beginning of a customer relationship and on a regular basis, we give customers the choice of not receiving promotions and marketing offers. If you do not wish to receive promotions and marketing offers as outlined in the MBNA Privacy Notice at any time after your account has been opened, please call us at 0-000-000-0000 (English) or 0-000-000-0000 (French) or write to us at MBNA, Privacy Office, X.X. Xxx 0000, Xxxxxxx X, Xxxxxx, XX X0X 0X0. Access to your Personal Information You can access your Personal Information held by us, with some exceptions, and make corrections to it. Upon written request, we will disclose to you the Personal Information about you in our records, and you may correct such Personal Information that is inaccurate or incomplete. To request access to your Personal Information in our possession or to make corrections to it, contact us at the number indicated in the “Our commitment to your privacy” section above, to obtain, complete and submit a Personal Information Request Form or write to our Privacy Officer at the address listed in the “Our commitment to your privacy” section, above. Normally, we will respond to access or correction requests within 30 days. If, for any reason, we do not fulfill your Personal Information access request, we will provide you with written reasons. ADDITIONAL IMPORTANT INFORMATION FOR QUEBEC CUSTOMERS This box contains information required under the Quebec Consumer Protection Act (the “Act”). For any questions pertaining to the sections included in this box, you can communicate, when necessary, with the Office de la protection du consommateur. For ease of reference, some of the words used in this Agreement correspond to certain terms used in the Quebec Consumer Protection Act (the “Act”), as set out below. Term used in this Agreement Corresponding meaning used in the Act Credit limit Amount up to which credit is granted Annual interest rate Credit rate Interest charges Credit charges Grace period Period during which the consumer may discharge the obligation without being compelled to pay credit charges Annual Fees Membership or renewal fees MBNA / We Merchant / lender / open credit merchant You Consumer Please note that this Agreement is an Open Credit Contract (the Act s. 125).Consumer
Appears in 1 contract
Samples: Account Agreement
REWARDS PROGRAMS. If your account allows you to earn rewards that Your card may be redeemed for merchandise, travel associated with a bonus points or other products similar rewards program. Your participation in such a rewards program is subject to the particular rewards program’s terms and services, conditions (the terms that apply to “Program Rules”). Your use of the card associated with the rewards program are part of this Agreement and are provided is your consent to you with this Agreementbe bound by the Program Rules. Rewards program terms are also available at xxx.xxxx.xx Affinity The Program Rules may, from time to time, be modified or co-brand relationships Your account may allow you to participate in loyalty programs of other selected organizations. These companies do not act on our behalf. They are solely responsible to you for the services and benefits offered through their loyalty programs as well as the administration of such programsamended, including Loyalty but not limited to discontinuing particular rewards or discontinuing the rewards program terms are available from itself. The latest edition of Program Rules will typically be provided with the organizations offering such programs the manner in which you can earn and redeem. These loyalty programs are subject to terms that are separate and distinct from this Agreement. Other special services and benefits We may make special services and benefits associated Card or otherwise made available to you, some for example, by visiting a particular internet address. We will provide a copy of such Program Rules upon request. WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE CONDITION, QUALITY, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF ANY GOODS OR SERVICES PURCHASED WITH BONUS POINTS, AND WE WILL HAVE NO LIABILITY FOR ANY DEFECTS IN SUCH GOODS OR SERVICES OR FOR ANY DAMAGES RESULTING FROM THEIR USE. ARBITRATION: THIS ARBITRATION PROVISION LIMITS YOUR AND OUR RIGHT TO LITIGATE CLAIMS IN COURT AND YOUR RIGHT TO A JURY TRIAL. YOU SHOULD READ THIS PROVISION CAREFULLY. Any claim, dispute, or controversy (a “Dispute”) between you and us including without limitation those related to this Agreement, your Account, goods or services purchased in whole or part by use of your Account or those relating to the validity, enforceability or scope of this arbitration provision shall be resolved, upon the election of you or us, by binding arbitration pursuant to this arbitration provision and the Commercial Arbitration Rules and Procedures of the American Arbitration Association (AAA). This arbitration provision also applies to any Dispute between you and any of our employees, our affiliate companies and any of their employees. This arbitration provision is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. S1-16. The arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act and applicable statutes of limitations and shall honor all claims of privilege recognized by law. This arbitration provision is fully binding in the event a class action is filed in which you would be a class representative or member. You and we agree that arbitrations pursuant to this arbitration provision which involve you and us and/or us and any other person cannot be consolidated. You and we further agree that there shall be no class action arbitration pursuant to this arbitration provision. This arbitration provision shall survive the inactivation or termination of the Agreement or your Account. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining provisions are severable and enforceable to the fullest extent permitted by law. This arbitration provision supersedes any prior arbitration provision that there may be at an additional cost to you. Some services between you and benefits may be features of your account, while others are optional and must be enrolled in or purchased separately. Certain benefits or services may be subject to separate and distinct terms and conditions. You may cancel any optional services or benefits in accordance with their respective terms. Certain account services and benefits are supplied by third parties. These third parties are solely responsible to you for the services and benefits offered or provided by them. Some features on your account are optional and require specific enrollment You will not be unduly pressured by us to buy a product or service that you do not want in order for us to agree to provide this account to you Your privacy is important to us Our commitment to your privacy In your account application, we obtained your consent for the collection, protection, use, sharing and retention of your Personal Information as set forth in the MBNA Privacy Notice, which is incorporated into and forms an important part of this Agreement. The MBNA Privacy Notice provides complete details on our privacy commitments and is included as a separate brochure with this Agreement and is available online at xxx.xxxx.xx or by calling us to request a copy. In the event of any conflict or inconsistency between this Agreement and the MBNA Privacy Notice, the MBNA Privacy Notice will govern with respect to privacy matters only. If you have any questions about your Personal Information, please refer related to the MBNA Privacy NoticeAccount. To Start Arbitration: Either you or we can start arbitration any time a Dispute arises between you and us. To start arbitration, call us tollyou or we must contact the AAA at: American Arbitration Association 0000 Xxxxxx Xxx Xxxx, Xxxxx 000 Voorhees, NJ 08043-free 4301 For more information about the arbitration process or to obtain a copy of the Commercial Arbitration Rules and Procedures, contact the AAA at 0-000-000-0000 (English) or 0-000-000-0000 (French) or write to us log onto their website at MBNA, Privacy Office, X.X. Xxx 0000, Xxxxxxx X, Xxxxxx, XX X0X 0X0. For a full copy of the MBNA and CUETS Financial Privacy Notice, please visit xxx.xxxx.xx This section is a summary of key points of the MBNA Privacy Notice. We may collect and confirm Personal Information during the course of our relationship with you from a variety of sources, including you and other individuals authorized to act on your behalf; credit reporting agencies and other financial institutions; references you provide to us; commercially available sources; endorsing organizations; affiliate organizations; service providers; and from other sources, as necessary, for the provision of our products and services. We may collect, use, share, disclose and retain your Personal Information with any of our respective affiliates, agents, service providers and other third parties in accordance with the MBNA Privacy Notice. Collecting, protecting, using, sharing, disclosing and retaining your Personal Information We collect, protect, use, share, disclose and retain your Personal Information to: • consider initiating and to initiate, open, monitor, maintain and service your account • administer services, evaluate your credit eligibility and monitor your transactions and financial behaviour • verify your identity (such as name, address, telephone number/contact information, date of birth and occupation) and maintain security measures aimed at protecting you from identity theft, fraud, criminal activity, money laundering/ terrorist financing and Unauthorized Use or access to your account • meet legal, security, processing and regulatory requirements • prevent, detect or suppress financial abuse, fraud or criminal activity, protect our assets and interests, assist us with any internal or external investigation into potentially illegal or suspicious activity, or manage or settle any actual or potential loss in connection with the foregoing • promote products and services offered by us and carefully selected third parties that may be of interest to you, by means of direct marketing through ordinary mail, Internet, online chat or email; by telephone, mobile, text messaging or other available communication channels (such as automatic dialing-announcing devices (“ADAD”), predictive dialing devices (“PDD”), wireless device, land line telephone, fax machine, data terminal or other electronic communication methods) at the contact information you have provided to us; we may also send you special offers with your account statements or in separate mailings that may include personal cheques to access your account. If you provide your Social Insurance Number (“SIN”), we will only use it to match credit reporting agency information and for security verification and account maintenance purposes. By using your account, you consent to the collection, protection, use, sharing, disclosure and retention of your Personal Information as set out in the MBNA Privacy Notice. Subject to certain limitations and legal and contractual restrictions, you may withdraw your consent at any time after your account has been opened by calling or writing us. This will not limit information we may provide to you in statements, when you contact us or when we otherwise service your account. As an example of a limitation, you may not withdraw your consent relating to the ongoing collection and disclosure of credit information. This is required in order to maintain the integrity of the credit reporting system and to monitor your credit status or your ongoing eligibility for credit. Not allowing us to use information about you may mean that we may no longer be able to maintain your account. We will withhold your name from any secondary marketing campaign for the first 30 days after the opening of your account to provide you an opportunity to make your privacy choice known to us. You acknowledge that authorized users on your account may view, obtain or be provided information about your account, including transactions, balance and available credit, through online banking, interactive voice response systems or through other communications with us, including discussions initiated by us relating to possible Unauthorized Use of your account or for other reasons. You also consent to and authorize us (and our affiliates and service providers) for our mutual protection, to monitor and/or record any of your telephone conversations and online chat communications with our representatives or the representatives of any of our affiliates and service providers for purposes of education, quality control and recordkeeping. Personal Information held on behalf of us or by our agents and service providers may be located in the United States or elsewhere outside of Canada and will be subject to the same levels of security as those described in the MBNA Privacy Notice, while also being subject to the laws of the jurisdiction in which the information is held. For example, information may be disclosed in response to valid demands or requests from government authorities, courts or law enforcement in these countries. You acknowledge and agree that the paragraphs above under the heading “Your privacy is important to us” and as set out in the MBNA Privacy Notice constitute prior written notice to you of, and your consent to, the collection, protection, use, sharing, disclosure and retention of your Personal Information as described. Customer choices on how your Personal Information is used At the beginning of a customer relationship and on a regular basis, we give customers the choice of not receiving promotions and marketing offers. If you do not wish to receive promotions and marketing offers as outlined in the MBNA Privacy Notice at any time after your account has been opened, please call us at 0-000-000-0000 (English) or 0-000-000-0000 (French) or write to us at MBNA, Privacy Office, X.X. Xxx 0000, Xxxxxxx X, Xxxxxx, XX X0X 0X0. Access to your Personal Information You can access your Personal Information held by us, with some exceptions, and make corrections to it. Upon written request, we will disclose to you the Personal Information about you in our records, and you may correct such Personal Information that is inaccurate or incomplete. To request access to your Personal Information in our possession or to make corrections to it, contact us at the number indicated in the “Our commitment to your privacy” section above, to obtain, complete and submit a Personal Information Request Form or write to our Privacy Officer at the address listed in the “Our commitment to your privacy” section, above. Normally, we will respond to access or correction requests within 30 days. If, for any reason, we do not fulfill your Personal Information access request, we will provide you with written reasons. ADDITIONAL IMPORTANT INFORMATION FOR QUEBEC CUSTOMERS This box contains information required under the Quebec Consumer Protection Act (the “Act”). For any questions pertaining to the sections included in this box, you can communicate, when necessary, with the Office de la protection du consommateur. For ease of reference, some of the words used in this Agreement correspond to certain terms used in the Quebec Consumer Protection Act (the “Act”), as set out below. Term used in this Agreement Corresponding meaning used in the Act Credit limit Amount up to which credit is granted Annual interest rate Credit rate Interest charges Credit charges Grace period Period during which the consumer may discharge the obligation without being compelled to pay credit charges Annual Fees Membership or renewal fees MBNA / We Merchant / lender / open credit merchant You Consumer Please note that this Agreement is an Open Credit Contract (the Act s. 125)xxxx://xxx.xxx.xxx.
Appears in 1 contract
Samples: Cardholder Credit Card Agreement and Additional Disclosures
REWARDS PROGRAMS. If your account allows you to earn rewards that may be redeemed for merchandise, travel or other products and services, the terms that apply to the rewards program are part of separate and distinct from this Agreement (which may change from time to time) and are provided to you with this Agreementupon enrollment in the rewards program. Rewards program terms are also available at xxx.xxxx.xx Affinity or co-brand relationships Your account may allow you to participate in loyalty programs of other selected organizations. These companies do not act on our behalf. They are solely responsible to you for the services and benefits offered through their loyalty programs as well as the administration of such programs, including Loyalty program terms are available from the organizations offering such programs the manner in which you can earn and redeem. These loyalty programs are subject to terms (which may change from time to time) that are separate and distinct from this Agreement. Loyalty program terms are available from the organizations offering such programs Other special services and benefits We may make special services and benefits available to you, some of which may be at an additional cost to you. Some services and benefits may be features of your account, while others are optional and must be enrolled in or purchased separately. Certain benefits or services may be subject to separate and distinct terms and conditions. You may cancel any optional services or benefits in accordance with their respective terms. Certain account services and benefits are supplied by third parties. These third parties are solely responsible to you for the services and benefits offered or provided by them. Some features on your account are optional and require specific enrollment You will not be unduly pressured by us to buy a product or service that you do not want in order for us to agree to provide this account to you Your privacy is important to us Our commitment to your privacy In your account application, we obtained your consent for the collection, protection, use, sharing and retention of your Personal Information as set forth in the MBNA Privacy Notice, which is incorporated into and forms an important part of this Agreement. The MBNA Privacy Notice provides complete details on our privacy commitments and is included as a separate brochure with this Agreement and is available online at xxx.xxxx.xx or by calling us to request a copy. In the event of any conflict or inconsistency between this Agreement and the MBNA Privacy Notice, the MBNA Privacy Notice will govern with respect to privacy matters only. If you have any questions about your Personal Information, please refer to the MBNA Privacy Notice, call us toll-free at 0-000-000-0000 (English) or 0-000-000-0000 (French) or write to us at MBNA, Privacy Office, X.X. Xxx 0000, Xxxxxxx X, Xxxxxx, XX X0X 0X0. For a full copy of the MBNA and CUETS Financial Privacy Notice, please visit xxx.xxxx.xx This section is a summary of key points of the MBNA Privacy Notice. We may collect and confirm Personal Information during the course of our relationship with you from a variety of sources, including you and other individuals authorized to act on your behalf; credit reporting agencies and other financial institutions; references you provide to us; commercially available sources; endorsing organizations; affiliate organizations; service providers; and from other sources, as necessary, for the provision of our products and services. We may collect, use, share, disclose and retain your Personal Information with any of our respective affiliates, agents, service providers and other third parties in accordance with the MBNA Privacy Notice. Collecting, protecting, using, sharing, disclosing and retaining your Personal Information We collect, protect, use, share, disclose and retain your Personal Information to: • consider initiating and to initiate, open, monitor, maintain and service your account • administer services, evaluate your credit eligibility and monitor your transactions and financial behaviour • verify your identity (such as name, address, telephone number/contact information, date of birth and occupation) and maintain security measures aimed at protecting you from identity theft, fraud, criminal activity, money laundering/ laundering/terrorist financing and Unauthorized Use or access to your account • meet legal, security, processing and regulatory requirements • prevent, detect or suppress financial abuse, fraud or criminal activity, protect our assets and interests, assist us with any internal or external investigation into potentially illegal or suspicious activity, or manage or settle any actual or potential loss in connection with the foregoing • promote products and services offered by us and carefully selected third parties that may be of interest to you, by means of direct marketing through ordinary mail, Internet, online chat or email; by telephone, mobile, text messaging or other available communication channels (such as automatic dialing-announcing devices (“ADAD”), predictive dialing devices (“PDD”), wireless device, land line telephone, fax machine, data terminal or other electronic communication methods) at the contact information you have provided to us; we may also send you special offers with your account statements or in separate mailings that may include personal cheques to access your account. account If you provide your Social Insurance Number (“SIN”), we will only use it to match credit reporting agency information and for security verification and account maintenance purposes. By using your account, you consent to the collection, protection, use, sharing, disclosure and retention of your Personal Information as set out in the MBNA Privacy Notice. Subject to certain limitations and legal and contractual restrictions, you may withdraw your consent at any time after your account has been opened by calling or writing us. This will not limit information we may provide to you in statements, when you contact us or when we otherwise service your account. As an example of a limitation, you may not withdraw your consent relating to the ongoing collection and disclosure of credit information. This is required in order to maintain the integrity of the credit reporting system and to monitor your credit status or your ongoing eligibility for credit. Not allowing us to use information about you may mean that we may no longer be able to maintain your account. We will withhold your name from any secondary marketing campaign for the first 30 days after the opening of your account to provide you an opportunity to make your privacy choice known to us. You acknowledge that authorized users on your account may view, obtain or be provided information about your account, including transactions, balance and available credit, through online banking, interactive voice response systems or through other communications with us, including discussions initiated by us relating to possible Unauthorized Use of your account or for other reasons. You also consent to and authorize us (and our affiliates and service providers) for our mutual protection, to monitor and/or record any of your telephone conversations and online chat communications with our representatives or the representatives of any of our affiliates and service providers for purposes of education, quality control and recordkeeping. Personal Information held on behalf of us or by our agents and service providers may be located in the United States or elsewhere outside of Canada and will be subject to the same levels of security as those described in the MBNA Privacy Notice, while also being subject to the laws of the jurisdiction in which the information is held. For example, information may be disclosed in response to valid demands or requests from government authorities, courts or law enforcement in these countries. You acknowledge and agree that the paragraphs above under the heading “Your privacy is important to us” and as set out in the MBNA Privacy Notice constitute prior written notice to you of, and your consent to, the collection, protection, use, sharing, disclosure and retention of your Personal Information as described. Customer choices on how your Personal Information is used At the beginning of a customer relationship and on a regular basis, we give customers the choice of not receiving promotions and marketing offers. If you do not wish to receive promotions and marketing offers as outlined in the MBNA Privacy Notice at any time after your account has been opened, please call us at 0-000-000-0000 (English) or 0-000-000-0000 (French) or write to us at MBNA, Privacy Office, X.X. Xxx 0000, Xxxxxxx X, Xxxxxx, XX X0X 0X0. Access to your Personal Information You can access your Personal Information held by us, with some exceptions, and make corrections to it. Upon written request, we will disclose to you the Personal Information about you in our records, and you may correct such Personal Information that is inaccurate or incomplete. To request access to your Personal Information in our possession or to make corrections to it, contact us at the number indicated in the “Our commitment to your privacy” section above, to obtain, complete and submit a Personal Information Request Form or write to our Privacy Officer at the address listed in the “Our commitment to your privacy” section, above. Normally, we will respond to access or correction requests within 30 days. If, for any reason, we do not fulfill your Personal Information access request, we will provide you with written reasons. ADDITIONAL IMPORTANT INFORMATION FOR QUEBEC CUSTOMERS This box contains information required under Resolving your complaints If you have a problem or concern If you have a concern about your account, in most cases it can be resolved simply by telling us about it Tell us about your concern in the Quebec Consumer Protection Act (the “Act”)way that is most convenient for you. For any questions pertaining If you have a problem or concern with your account and you need our help to the sections included in this boxresolve it, you can communicatemay contact us using the contact information provided on the cover of this Agreement, when necessaryor call us toll-free at: Telephone: 0-000-000-0000 (English) 0-000-000-0000 (French) TTY/TDD: 0-000-000-0000 (English) 0-000-000-0000 (French) As a next step, if your concern remains unresolved, you may contact a representative of our Senior Management team as follows: Telephone: 0-000-000-0000 (Bilingual) Mail: MBNA Attention: Customer Advocate’s Office P.O. Box 9629 Xxxxxx, XX X0X 0X0 If contacting us by mail, be sure to include: • your name and address or phone number where you prefer to be reached • your account number • the details of your complaint, including relevant dates • copies of account statements and other documents, if available and applicable • name(s) of our representatives with whom you have discussed the Office de la protection du consommateur. For ease issue and dates of referencecontact with us (if known) If your concern remains unresolved, some of the words used in this Agreement correspond to certain terms used in the Quebec Consumer Protection Act (the “Act”), you may contact our Ombudsman directly as set out below. Term used in this Agreement Corresponding meaning used in the Act Credit limit Amount up to which credit is granted Annual interest rate Credit rate Interest charges Credit charges Grace period Period during which the consumer may discharge the obligation without being compelled to pay credit charges Annual Fees Membership or renewal fees MBNA / We Merchant / lender / open credit merchant You Consumer Please note that this Agreement is an Open Credit Contract (the Act s. 125).follows: Mail: TD Ombudsman
Appears in 1 contract
Samples: Account Agreement
