As the primary cardholder of the credit card account, I understand that I am responsible to the bank for all the obligations under the cardholder agreement. In particular, I am responsible for the repayment of any amount charged to my credit card account, including transactions resulting from the use of the account by an authorized user.
The cardholder agreement will be sent to me with my credit card. I understand that the first use of the credit card account after receipt of the agreement, a notice of modification or a notice of renewal will confirm my acceptance of the terms and conditions of the cardholder agreement.
To offer me products and services, the bank must collect my personal information as well as the personal information of authorized users. The bank collects this information from me, from credit reporting and assessment agencies and, when needed, from other sources. These sources include other financial institutions, public registries, regulatory authorities and organizations, insurers, employers, professionals and persons given as reference.
The personal information the bank collects is used primarily:
To use my personal information and, to a lesser extent, the personal information of the authorized user, for the purposes described above, the bank may communicate such information to:
My personal information and that of the authorized user can be processed or stored outside of Canada and could be subject to the laws and rights of access of the authorities of foreign countries, including the United States.
Unless I instruct otherwise, the bank may use my personal information to offer me other products and services of the bank and those of its subsidiaries and select business partners*, either by mail, by phone or by electronic means (such as email) to the addresses and numbers provided by me. The bank may also disclose this information to its subsidiaries and select business partners, where legislation permits, so that they too may offer me their own products and services in the same manner. I will have the opportunity to withdraw my consent to receiving such promotional offers when I activate my card or at any time in the future. To withdraw my consent, I may call at 514-394-1427 in the Montreal area, or toll free at 1-888-622-2783, or visit one of the bank’s branches.
I acknowledge that the cardholder agreement which will be sent to me includes additional information on the scope of my consent and the authorized user’s consent as well as my rights and those of the authorized user to access and correct personal information. I undertake to communicate this information to the authorized user.
If you benefit from the special conditions of a financial program, you acknowledge having received the brochure describing the product features and eligibility conditions of the program when the credit application was submitted.
The parties have requested that this document be drawn up in English. Les parties confirment leur volonté que le présent document soit rédigé en anglais.
® Mastercard is a registered trademark owned by Mastercard International Corporation. Authorized user: National Bank of Canada
* Our select business partners are well established and carefully selected firms. The list of our select business partners and subsidiaries is available online at nbc.ca or by calling, toll free, at 1-888-622-2783.