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. 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 the manner in which you can earn and redeem. These loyalty programs are subject to terms that are separate and distinct from this Agreement. 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. 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. 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. 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. 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. 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 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. Credit limit The amount up to which credit is extended Annual interest rate Annual credit rate Interest charges Credit charges Grace period The time during which the consumer may discharge his/ her obligation without being compelled to pay credit charges Annual Fees Membership or renewal fees MBNA Merchant* You Consumer Please note that this Agreement is a Contract Extending Variable Credit (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. 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 the manner in which you can earn and redeem. These loyalty programs are subject to terms that are separate and distinct from this Agreement. 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. 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. 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. 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. 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. 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. 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 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. Credit limit The amount Amount up to which credit is extended granted Annual interest rate Annual credit Credit rate Interest charges Credit charges Grace period The time Period during which the consumer may discharge his/ her the obligation without being compelled to pay credit charges Annual Fees Membership or renewal fees MBNA Merchant* / We Merchant / lender / open credit merchant You Consumer Please note that this Agreement is a an Open Credit Contract Extending Variable Credit (Consumer Protection the 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 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. 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 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. 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. 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. 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. 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 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. 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. 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 This box contains information required under 30 days. If, for any reason, we do not fulfill your Personal Information access request, we will provide you with written reasons. 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: 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. Credit limit The amount up to which credit is extended Annual interest rate Annual credit rate Interest charges Credit charges Grace period The time during which the consumer may discharge his/ her obligation without being compelled to pay credit charges Annual Fees Membership or renewal fees MBNA Merchant* You Consumer Please note that this Agreement is a Contract Extending Variable Credit (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.follows: Mail: TD Ombudsman
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. 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 the manner in which you can earn and redeem. These loyalty programs are subject to terms that are separate and distinct from this Agreement. 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. 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. 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. 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. 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. 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. 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. Credit limit The amount Amount up to which credit is extended granted Annual interest rate Annual credit Credit rate Interest charges Credit charges Grace period The time Period during which the consumer may discharge his/ her the obligation without being compelled to pay credit charges Annual Fees Membership or renewal fees MBNA Merchant* / We Merchant / lender / open credit merchant You Consumer Please note that this Agreement is a Contract Extending Variable Credit (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.Consumer
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. 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 the manner in which you can earn and redeem. These loyalty programs are subject to terms that are separate and distinct from this Agreement. 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. 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. 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. 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. 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. 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 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. Credit limit The amount Amount up to which credit is extended granted Annual interest rate Annual credit Credit rate Interest charges Credit charges Grace period The time Period during which the consumer may discharge his/ her the obligation without being compelled to pay credit charges Annual Fees Membership or renewal fees MBNA Merchant* / We Merchant / lender / open credit merchant You Consumer Please note that this Agreement is a an Open Credit Contract Extending Variable Credit (Consumer Protection the 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.
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Samples: Account Agreement
