Scotia InfoAlerts

Balance Notifications

Track your balance and get a Scotia InfoAlert when:

• Your account balance goes above or below an amount you’ve chosen
• Your account is in overdraft
• You’re close to your credit limit

You can even find out your account balance every day or week.

Safeguard Notifications

Get notified when:

• Your ScotiaCard is used at an ABM, for a debit purchase, Interac e-Transfer and Western Union Money Transfer
• Your credit card has been used online, by phone or outside of Canada
• Your bill payment has been made
• A credit card purchase exceeds a limit you’ve chosen

Transaction & Payment Notifications

You can also receive InfoAlerts when:

• A payment is due on your credit card or line of credit
• You miss a credit card or line of credit payment
• You want to keep track of your last 5 account transactions
• Future-dated transactions are going to occur, like upcoming bill payments or transfers
• Your cheque has been deposited

Scotia InfoAlerts is free to use. However, your mobile carrier may charge for data or text messages.

Whether you receive Scotia InfoAlerts by email, app notifications or both, your account numbers are masked for your protection. In fact, Scotiabank will never ask you to provide personal information over email or text.

If you are asked for personal or account information in an email or text message, do not respond. Instead, report it to phishing@scotiabank.com immediately

Simply log into the service and turn off all your alerts.

Within 30 minutes, you’ll get an email or app notification confirming your request. However, depending on the InfoAlerts you’ve selected it may take up to 24 hours before you start receiving actual notifications.

1. In this agreement, "we", "our", and "us" mean The Bank of Nova Scotia and "you" and "your" mean the individual who is using the Scotia InfoAlerts service.
   
   "Agreement" means this agreement, as amended from time to time.
   
   "SMS" means Short Message Service.
2. This Agreement applies to your use of the Scotia InfoAlerts service. It replaces all prior agreements between you and us. This agreement prevails over any other agreement you have with us in case of a conflict.
3. You must meet and comply at all times with the technical and security requirements which may be established with respect to the service and which are provided to you. They may be modified or replaced from time to time.

• The Scotia InfoAlert service allows you to subscribe to various alerts for your bank accounts and credit accounts.
• Depending on the alert, you can choose to receive alerts via email, and via SMS to a mobile device.

• By indicating "I agree", you agree to these terms.
• You agree that we may change these terms at any time by posting a notice on www.scotiabank.com. If you continue to use the Scotia InfoAlerts service after we post the notice, you agree to the revised terms.
• We may add new alerts or discontinue alerts from time to time, and otherwise change the service from time to time. Before we discontinue an alert, we will post a notice 30 days in advance on www.scotiabank.com.

• You hereby acknowledge and accept that each alert is sent to you without being encrypted and may include information pertaining to your Scotiabank bank account or credit account. We will partially mask your bank account numbers and credit account numbers.
• Depending on which alerts you select, information such as your bank account balance or the due date for your credit account payment may be included. Anyone with access to your email or mobile device will be able to view the content of these alerts. It is your responsibility to ensure that this information is kept confidential and secure.

• You may receive alerts through a text- or web-enabled mobile device, an email account that is accessed via a personal computer, or both. It is your responsibility to determine if your mobile carrier supports SMS text messaging and if your telephone or mobile device is capable of receiving SMS text messages.
• Scotiabank's alerts are subject to the terms and conditions of your agreement with your mobile carrier and/or internet service provider. You are responsible for any fees imposed by your mobile service provider and internet service provider of any kind whatsoever.

• The email address you provide to us is neither reviewed nor verified by us prior to or following activation of the Scotia InfoAlert service. It is your responsibility to ensure that it is accurate.
• If you change your email address, you must update it within the My Profile area of the Scotia InfoAlerts function on Scotia OnLine® Internet Banking , or by calling 1-800-4SCOTIA (1-800-472-6842). If you change your email address at the branch or in "Profile and Preferences" within Scotia OnLine, it will not update your Scotia InfoAlerts email address, and vice-versa.

• The first time that you select to receive any alert to your mobile device, or when you subsequently provide us with an updated mobile device phone number, we will send an SMS message to the mobile number that you provide to advise set-up of the alert(s) to that mobile number. If you do not receive that SMS message within one (1) hour of providing the mobile device number, you should contact us at 1-800-4SCOTIA (1-800-472-6842) to ensure that the mobile device number was provided properly.
• You are responsible for keeping your mobile device safe and secure. This includes the protection of any PINs or passwords to access this device or Scotia OnLine. You will be responsible for all activity arising from the use of your PINs or passwords.
• If you change your mobile number, it is your responsibility to update it on the My Profile screen in the ScotiaInfoAlerts function within Scotia OnLine, or by providing it to a service representative at 1-800-4SCOTIA (1-800-472-6842 .
• If you set up any alerts to be delivered via SMS, you understand that standard message fees apply. You should contact your mobile provider to understand how standard message fees apply to your mobile account.
• If you wish to temporarily or permanently discontinue Scotia InfoAlerts from being sent to your mobile device, you may de-select Mobile as a delivery channel for the alerts that you wish to discontinue. Alternately, you may text 'STOP' in response to any Scotia InfoAlert sent to your mobile device, which will remove that mobile number from being used for any Scotia InfoAlerts.

• You agree that your alerts may be delayed, not delivered, or inaccurate due to a variety of factors, including technical problems. Neither we, your mobile carrier, your ISP provider, nor any other third party connected with providing the alerts will be liable for any direct or indirect damages (including any special, punitive, or consequential damages) arising out of your use or inability to receive or to use the alerts, or the information contained in or omitted from the alerts, regardless of the cause of action, including negligence, even if we are advised of the possibility of such damages. You accept the risk that alert messages may be lost, intercepted, reviewed or altered by others.
• Neither we, nor your mobile carrier, nor your email service provider, nor any other third party is responsible if alerts are sent to a valid mobile number or email address that you provided to us, but which is not owned by you, or which is no longer owned by you.
• We provide this service as a convenience to you for information purposes only. An alert does not constitute a bank record for the bank account or credit account to which it pertains.
• All alerts are subject to the agreements you have in place for the products and services that you have with us.