Security Guarantee & Practices
Scotiabank Mobile Banking Terms and Conditions
PLEASE READ THESE TERMS AND CONDITIONS BEFORE REGISTERING AND USING SCOTIABANK®MOBILE BANKING (THE "SERVICE"). BY REGISTERING FOR THE SERVICE OR BY USING SCOTIABANK MOBILE BANKING YOU CONFIRM THAT YOU ARE LEGALLY BOUND BY THESE TERMS AND CONDITIONS, THE ScotiaCard® CARDHOLDER AGREEMENT, THE Scotiabank Group™ Privacy Agreement AND OUR Safe Mobile Practices, ALL AS MAY BE AMENDED OR CANCELLED FROM TIME TO TIME (COLLECTIVELY, THE "TERMS AND CONDITIONS").
YOU CAN REGISTER FOR THE SERVICE BY ANY MEANS WE PERMIT INCLUDING THROUGH YOUR MOBILE DEVICE. BY USING YOUR MOBILE DEVICE, YOU WILL BE TAKEN TO HAVE READ, UNDERSTOOD AND ACCEPTED THESE TERMS AND CONDITIONS IN THE SAME WAY AS IF YOU SIGNED A PRINTED VERSION AND YOU WILL BE BOUND BY THEM AND THEY WILL CONTINUE TO APPLY EVERY TIME YOU USE THE SERVICE. PLEASE NOTE THAT YOUR WIRELESS CARRIER’S STANDARD DATA AND TEXT MESSAGING FEES APPLY TO ANY MESSAGE EXCHANGES WITH SCOTIABANK, BOTH SENDING AND RECEIVING.
1. In these terms and conditions, "we", "our" and "us" and "the bank" mean The Bank of Nova Scotia and "you" and "your" mean the individual who is using Scotiabank mobile banking.
2. You must meet and comply at all times with the technical and security requirements that we establish regarding Scotiabank mobile banking and that we provide to you from time to time.
Notification of changes- You agree that we can amend, modify, change or replace these terms and conditions, the technical and security requirements and/or any of the services provided under these terms and conditions at any time by posting a notice on www.scotiabank.com or by sending you a text message. The new or revised terms and conditions, technical and security requirements and/or services provided under these terms and conditions are effective and binding on you when we notify you of such change. If you continue to use Scotiabank mobile banking after we post the notice that means you agree to and accept the new or revised terms and conditions, technical and security requirements and/or the services provided under these terms and conditions as amended.
- If you do not agree with the new or any changes made to these terms and conditions, the technical and security requirements and/or the revised Scotiabank mobile banking service you must immediately stop using the Scotiabank mobile banking service and notify us that you are cancelling the text banking service by texting "STOP" to 88866 or notify us by any other means that we may allow from time to time.
- We can suspend or terminate your Scotiabank mobile banking services if we believe you are in breach of these terms and conditions or any other agreements that you have entered into with us. Your Scotiabank mobile banking service is also subject to termination in the event that your mobile device service terminates or lapses.
- We can discontinue the Scotiabank mobile banking service at any time. If we do, we will post a notice thirty (30) days in advance on www.scotiabank.com or send you a text message on your mobile device.
- To cancel text banking only, you can text "STOP" to 88866.
- You acknowledge and accept that text messages are not encrypted. We will partially mask your account numbers, but balance and other information about your bank account(s) or VISA account may be included. You acknowledge and agree that we will not be liable to you for any loss that you may suffer as a result of a text message being intercepted, reviewed or altered by others.
- Depending on the text command you send, information such as your account balances or the payment due date for your VISA account may be included.
- Anyone with access to your mobile could view the content of these text messages unless you lock your device. You are responsible for keeping this information confidential and secure. Cookies
- A "cookie" is a piece of data that a web server creates when you visit a web site. This data is typically encoded information about how and when you use a website. It is placed on your mobile device in the form of a small text file.
- You consent to our use of cookies to track and collect your online activity information in Scotiabank public and secure web sites such as Scotiabank mobile banking or in Scotiabank advertisements hosted on third party web sites.
- It is your responsibility to determine if your wireless carrier supports text messaging and if your mobile device is capable of receiving text messages and/or if you are capable of accessing the Internet on your mobile device.
- If you change your mobile phone number, you must text "STOP" to 88866 before changing your mobile phone number. You will have to re-register your new mobile phone number with us in order to use the Scotiabank mobile banking text banking service.
- If you misplace, lose or if your mobile device is stolen, you must notify your wireless carrier immediately and contact us at 1-877-908-8866.
- When registering for text banking we will send a text message to the mobile number that you provide to advise set-up of the service to that mobile phone number. If you do not receive that text message within one (1) hour of providing the mobile device phone number, you should contact us at 1-877-908-8866 to ensure that the mobile device number was properly provided.
- Scotiabank mobile banking is subject to the terms and conditions of your agreement with your wireless 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. Scotiabank mobile banking security guarantee
- We will fully reimburse you in the unlikely event that you suffer direct financial losses due to unauthorized activity in your accounts accessed through Scotiabank mobile banking provided you have met your security and other responsibilities. That means you must abide by the terms of the customer agreements such as the ScotiaCard Cardholder Agreement and the Scotiabank Group Privacy Agreement and any other agreements you have entered into with us that govern your personal banking or other financial service or product offered by us and follow the guidelines of our Safe Mobile Practices {links to mobile guarantee page}.
- You must always keep your ScotiaCard number, password, access code, personal identification number (PIN), ScotiaCard security code number (last three italicized numbers printed on the back of your ScotiaCard banking card) and the answers to any online security questions (personal verification questions) you have chosen that allow you to sign-on to Scotia OnLine banking or Scotiabank mobile banking confidential. Do not divulge this information to anyoneincluding family members, friends, employees, bookkeepers or anyone else. Do not write this information down or keep a poorly disguised record of it or keep it together with your ScotiaCard banking card or save this information in your mobile device.
- You must notify us immediately in the event of loss, theft, misuse or compromise of your ScotiaCard banking card or ScotiaCard number, password, access code, PIN or Scotiabank mobile banking session. You can contact us at 1-800-4SCOTIA (1-800-472-6842).
- Do not respond to text messages, pop-ups, emails or other Internet requests that ask you to reveal personal information about yourself or your Scotiabank accounts. We will never send you unsolicited text messages or emails asking for your password, PIN, credit card, account numbers, etc. We will never ask you to validate or restore your account or Scotiabank mobile banking access through unsolicited text messages or emails.
- You must review your statements and report any errors in a timely manner. Different transactions have different reporting deadlines. Please see the applicable account agreement statement for further details.
- You agree to assist us in any investigation into improper access to your accounts. Limitation of liability
- You agree that the text messages may be delayed, not delivered or inaccurate due to a variety of factors including technical problems. Neither we, your wireless carrier, nor any other third party associated with providing the text messages will be liable for any direct or indirect, special, consequential, exemplary or punitive damages or for any losses arising out of your use or inability to receive or to use text banking, regardless of the cause of action, including negligence, even if we are advised of the possibility of such damages. You accept the risk that text messages may be lost, intercepted, reviewed or altered by others.
- Neither we, nor your wireless carrier, Internet service provider, nor any other third party is responsible for text messages sent to a valid mobile phone number that you provided to us but which is not owned by you or which is no longer owned by you.
- We provide text banking as a convenience to you for information purposes only. The information contained in the text message does not constitute a bank record for the bank account(s) or Visa account to which it pertains.
- Scotiabank mobile banking is subject to the agreements you have in place for the products and services that you have with us. Conflict
- If there is a conflict between a term in these terms and conditions and in any other agreement between you and us then these terms and conditions will apply to the extent necessary to resolve the conflict.
- These terms and conditions will be governed exclusively by the laws of the Province or Territory in which you live. If you live outside Canada, these terms and conditions will be governed exclusively by the laws of the Province of Ontario without regard to conflicts of law principles. You and we agree that the courts of the Province or Territory specified above will have jurisdiction for the determination of any matters arising out of these terms and conditions.
- You and we have expressly requested that these terms and conditions and all related documents, including notices be drawn up in English. Vous et nous avons expressément demandé que ces termes et tout document y afférent, y compris tout avis, soient rédigés uniquement en anglais.
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