SEE REVERSE. If this Agreement is terminated, the cardholder will continue to be liable for indebtedness and credit charges and is responsible for returning all Visa Desjardins cards and unused cheques to Desjardins. If a Visa Desjardins card or cheque is used after this Agreement is terminated, the cardholder will be liable for all indebtedness incurred and credit charges thereon even though the Agreement was terminated. The cardholder will not be liable for any indebtedness incurred through the unauthorized use of his Visa Desjardins card after he has returned the card to Desjardins. The cardholder shall pay to Desjardins, on a full indemnity basis, all legal fees and expenses incurred by it to recover any indebtedness or credit charges and all expenses incurred by it to take possession of any Visa Desjardins cards or cheques.
SEE REVERSE. In the event of loss or theft of a credit card, the consumer incurs no liability for a debt resulting from the use of such card by a third person after the issuer of the card has been notified of the loss or theft by telephone, telegraph, notice in writing or by any other means. Even where such notice is not given, the liability of the consumer whose credit card has been lost or stolen is limited to the sum of $50. At the end of each period, the merchant, if he has a claim with regard to a consumer, must furnish the latter with a statement of account mailed at least 21 days before the date on which he may exact credit charges if the consumer does not discharge his entire obligation; credit charges for advances of money may start as of the date of the advance up until the date of payment. The consumer may require the merchant to forward him, without charge, a copy of the vouchers for each of the transactions described in the statement of account. Until the consumer receives statement of account at his address, the merchant must not exact credit charges on the unpaid balance, except on cash advances. It is in the consumer’s interest to refer to sections 29, 123, 124, 126 and 127 of the Consumer Protection Act (Chapter P-40.1) and, where necessary, to communicate with the Office de la protection du consommateur. * All other trademarks are the property of their respective owner(s).
SEE REVERSE cheque: a cheque drawn on the account of the Visa Desjardins cardholder; contactless technology: technology identified as Visa payWave which allows a cardholder to make a payment using the Visa Desjardins card at participating merchants for maximum purchases between $50 and $150 based on merchant specifications; the transaction is carried out by simply “waving” the Visa card or eligible mobile device in front of the point-of-sale equipment, without having to sign a transaction slip or enter a Visa Desjardins PIN in an accessible device; deferred equal instalment financing: purchase by deferred payment financing that, starting from the end of the deferred payment period determined at the time of purchase, is payable by equal and consecutive monthly instalments determined at the time of purchase; deferred payment financing: purchase of a good or service using the Visa Desjardins card, for which repayment is deferred at the time of purchase for a specific time period indicated on the account statement; deferred payment period – multiple purchases: the period determined by the cardholder and the merchant within the context of multiple purchases by equal instalments during which the cardholder may make more than one purchase with the Visa Desjardins card without having to pay credit charges; deferred payment period – RRSP financing: period determined by the cardholder among those offered by Desjardins, where applicable, beginning upon the disbursement of an RRSP financing and during which only credit charges on the RRSP financing are payable by the cardholder; Desjardins mobile payment service: a service that uses contactless technology to allow the cardholder to carry out transactions with an eligible mobile device; eligible mobile device: mobile device that meets Xxxxxxxxxx’x requirements and onto which the Desjardins mobile payment service application may be downloaded; equal instalment financing: the purchase of a good or service using the Visa Desjardins card which is repayable by way of equal and consecutive monthly instalments determined at the time of purchase; financial institution: the Caisse Xxxxxxxxxx Ontario Credit Union Inc. or the Caisse populaire acadienne ltée; folio: the folio assigned to the cardholder by his financial institution, as designated during his application for the overdraft transfer service; interest rate: the rate used to calculate credit charges; multiple purchases by equal instalments: multiple purchases of goods or services ma...
SEE REVERSE. The xxxxxx family acknowledges the breeder owner’s right to repossess the dog if the buyer has not upheld his obligations as set out in this contract. Each party acknowledges that he has read this contract in its entirety and fully understands the terms and conditions set out in it and affirms that upon signing the agreement it will become a legal and binding contract.
SEE REVERSE. In consideration of Xxxxxxxxxx agreeing to provide a card or financing to the cardholder, the guarantor hereby agrees to be jointly and severally liable for all of the financial liabilities and obligations of the cardholder to Xxxxxxxxxx pursuant to this Agreement. Xxxxxxxxxx may demand payment from the guarantor even if Xxxxxxxxxx has not tried to obtain payment from the cardholder. The guarantor’s interests are fully subordinated to the claims of Xxxxxxxxxx and the guarantor waives all rights to take legal action against the cardholder and all rights of subrogation until Xxxxxxxxxx is paid in full. The guarantor is not released from the guarantee simply because Xxxxxxxxxx may, from time to time, change the terms of the cardholder’s obligations. The guarantor waives the need for notice of any such changes.
