Your online bank account

1. Our online services

Our online services are those available on our transactional website or through our mobile application. If you use them, you are deemed to have read and accepted this contract

A. Access to our online services

1. Use a device compatible with our services

Your device must be able to:

• receive wireless text messaging services and
• access the Internet.

The device may, for example, be:

• a smart phone
• a tablet
• a computer

1. Our online banking services

Our online banking services are those available on our transactional website or through our mobile application. If you use them, you are deemed to have read and accepted this contract

A. Access to our online banking services

1. Use a device compatible with our services

By device, we imply any device you use to access our online banking services.

Your device must be able to:

• receive wireless text messaging services and
• access the Internet.

The device may, for example, be:

• a smart phone
• a tablet
• a computer

1 B) 7. 7. Receiving remote assistance to use the online services

To assist you in using the online services, our call center staff may offer to access your customer portal on our online services remotely. If you agree, they will then have access to your profile and your information.

7. Receiving remote assistance to use the online services

To assist you in using the online banking services, or if you are experiencing an issue with the online services, our call center staff may offer to remotely access your customer portal on our online services. They may also allow our computer experts to remotely access your customer portal on our online services, if necessary, so that they can find a resolution to your problem. If you consent to it, our call center staff or our computer experts will then have access to your profile and your information. 

2 A) A. Comply with all contracts that apply to you

• This online banking services contract, including the schedule.
• If you have a deposit or investment account, the contract governing personal deposit and investment accounts.
• Any other contract that might apply to our online services depending on your device.
• Licences to use the bank's or other providers' applications (for example, an application downloaded from Google Inc. or Apple Inc). These licences authorize you to use the applications solely in connection with our online services. The licence is non-transferrable and non-exclusive.

A. Comply with all contracts that apply to you

• This online banking services contract, including the schedule;
• If you have a deposit or investment account, the contract governing personal deposit and investment accounts;
• Any other contract that might apply to our online services depending on your device.
• Licences to use the bank's or other providers' apps (for example, an application downloaded from Google Inc. or Apple Inc). These licences authorize you to use the apps solely in connection with our online services. The licence is non-transferrable and non-exclusive.
• The statement on cookies available on the homepage of our website at: www.nbc.ca

6 C) C. We may analyze your personal information to adapt our services and promotional communications to your needs

We may use your personal information to better understand your financial needs, provide you with tailored services and, subject to your choices, provide you with offers and other promotional communications. The personal information we use includes information from your external accounts retrieved through our account aggregation service.

To learn more about our personal information practices, including how to opt-out from receiving offers and other promotional communications from us and our affiliates, please consult our privacy policy and our online services statement (cookies).

C. We may analyze your personal information to adapt our services and promotional communications to your needs

We may use your personal information to better understand your financial needs, provide you with tailored services and, subject to your choices, provide you with offers and other promotional communications. The personal information we use includes information from your external accounts retrieved through our account aggregation service or any other functionality available on our online services.

To learn more about our personal information practices, including how to opt-out from receiving offers and other promotional communications from us and our affiliates, please consult our privacy policy and our online services statement (cookies).

Annex A- 2

2. Our receipt management service

The receipt management service allows you to scan and archive your receipts using an application on your mobile device.

A. Sensitive data

If you use our receipt management service, you agree not to use the service to store sensitive data such as health data.

Annex A – 2.

2. Our receipt filing service

Organizing Receipts is a feature included in our app. It allows you to scan and archive receipts from your mobile device or from a personalized email address (myaddress@myreceipts.nbc.ca), which you create during your first use of the functionality.

A. Sensitive data

If you use our receipt management service, you agree not to use the service to store sensitive data such as health data.

B. Confidentiality of your personal information

Some cash register receipts may contain and display sensitive information (bank details, credit card numbers, personal address, etc.). The information contained in the digital representation of your receipts may also include this sensitive information.

It if your responsibility to verify that the credit and debit card information on your receipts are hidden before uploading them to Organizing Receipts.

By using Organizing Receipts, you acknowledge that the service only registers personal information already on your original paper receipt while being scanned.

C. Limited use of Organizing Receipts’ personalized email address

You understand that the personalized email address (myaddress@myreceipts.nbc.ca) is not an email accessible via an inbox and that you will not be able to use this address as an email other than for sending receipts, or to allow merchants to send electronic receipts.

Some emails sent to your personalized email address (myaddress@myreceipts.nbc.ca) may not be recognized as e-receipts and may be permanently deleted unless you take the necessary action within the time period specified by Organizing Receipts.

D. Limitation of responsibilities

The digital version of the receipt may not be complete or entirely representative of the original version.

Although Organizing Receipts is a digital receipt manager and effort is made to ensure the accuracy of the information extracted from the original hard copy, some errors may occur, and some information may be missing.

Ensure that you verify and, if necessary, update the missing information on your digital receipt.

By using Organizing Receipts, you acknowledge that you fully assume the risks of missing information or errors in your digital receipt.

E. Returns with a digital receipt

It is at the merchant's discretion to honor a receipt in Organizing Receipts for proof of purchase, return, or refund. We assume no responsibility in this regard.

F. Tax Authorities

You acknowledge that, for documentary proof purposes, it is your responsibility to verify the validity of digital receipts exported from Organizing Receipts with the relevant tax authorities.

These tax authorities may ask you for the originals receipts. We therefore recommend that you keep the original hard copies.

G. Termination of service

If you no longer agree with Organizing Receipts’ requirements, you must stop using the service and delete previously uploaded receipts.