Jurisdiction

The Fédération des caisses Desjardins du Québec ("Desjardins") currently provides users with a wide selection of online services. These include communication (Desjardins.com and all other Desjardins sites) and transactional tools, services provided by merchants, personalized content, personalized email messages, and the products and services marketed through Desjardins's service network (collectively "the Service").

Unless otherwise specified, any new feature that enhances or augments one or more existing services, or any new service launched by Desjardins, will be subject to the Terms of Use in effect for this site.

You alone are responsible for paying the costs associated with use of the Service, such as Internet connection charges or fees charged for connecting to networks that provide access to Internet content. As well, you are responsible for acquiring any equipment needed for such connections.

You are not required to identify yourself when making use of the Service, except when such identifying information is required to access the site's decision-making and transactional tools. At the same time, the more accurate, complete and current your personal information, the easier it will be to tailor the Service to your requirements.

Desjardins is keenly aware of the need to protect your security and privacy, particularly in regard to any information you provide to Desjardins while making use of the Service.

Please refer to the site's Privacy statement for details about Desjardins's practices in this area.

Desjardins is concerned about protecting children who use this site.

We invite parents to monitor their children's Internet usage and to bear in mind that the services provided via the Desjardins site are designed to appeal to a broad audience. Therefore, as the legal guardians of their children, parents are responsible for determining which services may or may not be appropriate for their children and monitoring their use in this regard.

When you register for the Service, you must choose a user ID, email address and password that will enable you to access the Service.

Likewise, when you complete the email registration form, you will receive a web address, which will also serve as a password. The web address will allow you to access your registration profile and to make any necessary changes.

You alone are responsible for protecting the confidentiality of your user ID, email address and passwords as well as the confidentiality of any actions undertaken in regard to the identification or password authentication process for all Desjardins Services.

Moreover, you are responsible for immediately notifying Desjardins about any unauthorized use of your user ID, email address or passwords and any other security breach, as well as for taking every possible precaution to ensure that you use the Service under optimal security conditions.

To find out more about security measures concerning the use of Desjardins.com and all other Desjardins sites and their personalized version, please read this site's Security statement.

Desjardins is in no way liable for any loss or damage arising from a failure to comply with the requirements described in this Section 5.

It is prohibited to reproduce by any means whatsoever the information, data, text, software, music, sounds, photos, images, videos, communications and other materials (collectively "Content") included with the Service.

More specifically, it is prohibited to:

1. forge headers or otherwise manipulate content transmitted through the Service
2. upload, post, email, transmit or otherwise make available any Content that contains computer viruses or other computer code, files or programs designed to interrupt, destroy or limit the functionality of any software, computer, application or telecommunications equipment (this list may include other elements without limitation)
3. interfere with, disrupt, or make abusive use of the Service, or servers or networks connected to the Service, or refuse to comply with any requirements, procedures, general regulations or regulatory provisions applicable to networks connected to the Service
4. infringe, whether intentionally or not, any existing national or international laws or regulations, or without limitation, any regulations adopted by the Quebec securities commission (CVMQ), the Montreal and Toronto stock exchanges, FTSE, NIKKEI, Dow Jones and Nasdaq, or any other rules or regulations with force of law
5. collect and store personal information relating to other users
6. sell, resell or operate on any commercial basis whatsoever any portion of the Service or any use of the Service or access privileges associated with the Service

The Service or third parties may include links to other websites or other Internet sources. Since it has no control over these outside sites and sources, Desjardins is not responsible for their availability, nor can it assume any responsibility for the content, links, advertising, products, services or other materials made available by or through such external sites or sources. Furthermore, Desjardins is not liable for any loss or damage, caused or alleged to be caused by, or arising in connection with, the use of or reliance on Content, products and services made available on these outside sites or sources.

Consequently, it is up to you to exercise discretion in your use of such Content. Likewise, you are responsible for assuming all inherent risks, particularly when you rely on the timeliness, usefulness or completeness of the content made available on or through the sites or sources referred to by the Service.

Links leading to software download sites are provided for your convenience; Desjardins is not liable for any difficulty arising from the download of any such software applications.

Links to other sites do not indicate that these outside sites endorse Desjardins or its products and services.

Each Desjardins caisse is solely and entirely responsible for, but not limited to, the information conveyed in the pages of its Internet site on Desjardins.com, as well as for any payment solution it makes available and fundraising campaign and cause it supports.

InstaBalance is available in our mobile app. Once you set it up, you won't have to log in again to use certain features and get information. This tool is also available on a compatible smartwatch connected to your mobile device. When setting up this tool, our mobile services users agree to protect their mobile devices and compatible smartwatches.

The information displayed by InstaBalance does not take into account the available balance, any limits or holds on funds on the account or folio. As such, we may not be held responsible for any direct or indirect damage arising from operations or transactions made using the information provided by InstaBalance.

Learn more about security on mobile devices.

Stock quotes, investment fund values, exchange rates, interest rates and other similar financial data as well as the various product features posted on desjardins.com are provided for your information only. This information originates from a variety of sources and is updated on a regular basis. Despite every effort to present information that is as up to date as possible, Desjardins, its officers, managers, employees and agents are in no event responsible for the consequences of any inaccurate information or for any damage sustained as a result of using such information.

The Service is provided to you for information purposes only. Therefore, content disseminated in connection with the Service is not destined to be used in conducting transactions or making investment decisions. Desjardins will not assume any responsibility for the Content or the accuracy of all or part of the information transmitted in connection with the Service. Likewise, Desjardins will not be responsible for investment orders or decisions based on such information.

Desjardins may establish general rules and deadlines concerning use of the Service. This may include, without limitation, determining the maximum number of days of account inactivity and the maximum number of times you may access the Service during a given period of time (as well as the maximum duration of each access session).

Furthermore, Desjardins is in no way responsible for the personalized settings of site users and does not make any warranty with respect to the deletion of your data or any failure to preserve your data.

Desjardins reserves the right at any time to change, temporarily suspend or terminate the Service in whole or in part without informing you in advance. In no event will Desjardins be liable to you or to any third party for a modification, suspension or termination of the Service.

Desjardins reserves the right to terminate access privileges in whole or in part relating to your ID and passwords and to even delete your ID and passwords.

Desjardins also has the right to remove or relocate any Content made available as part of the Service. This may be done for any reason, including lack of use or in situations where Desjardins has good reason to believe that you have violated the Terms of Use applicable to this site.

Any termination of your access to the Service consistent with the established Terms of Use will take place without advance notice of any kind. Desjardins also reserves the right, at any time, to de-activate or delete with immediate effect any folder or any file within a folder, and/or to prohibit future access to such files or to the Service itself.

In no event will Desjardins be liable to you or to any third party for the termination of your Service access.

Any dealings with merchants relative to the Service are strictly between you and the merchants concerned. This applies to any correspondence, business relationship or participation in promotions organized by merchants through the Service, including the payment and delivery of goods or services, and, if applicable, any other terms, conditions, warranties or representations arising from these transactions. Consequently, Desjardins will in no way be liable for any loss or damage of whatsoever nature arising from such dealings or, more generally, from the participation of merchants in connection with the Service.

The Service and any software or applications used in connection with the Service ("Software and Applications") may contain confidential information protected by existing intellectual property laws or other legislation.

Content included on the site or in advertising and information made available to you as part of the Service, or presented by merchants in connection with the Service, are protected by the laws applicable to copyright, trademarks and patents and by any other rights set forth in existing legislation, and are the intellectual property of Desjardins, its licensors or the person recognized as the Content supplier.

The site is protected by copyright legislation as a collective work or compilation as defined in Canadian and foreign laws.

Except as expressly authorized by Desjardins or by a merchant, it is strictly prohibited to:

• copy, alter, rent, borrow, sell, distribute or create derivative works based in whole or in part on the Content, the Service or related Software and Applications;
• reverse engineer, disassemble or otherwise attempt to locate the source code (except as provided for by law) or to sell, assign, sub-license or transfer in any way the rights attached to the Software and Applications;
• modify the Content or the Software and Applications in any way or to use modified versions of the Software and Applications in order to gain unauthorized access to the Service or for other purposes not limited to this;
• access the Service by any means other than the interface provided to you by Desjardins for this purpose; or
• use the site or its Content, in whole or in part, except as expressly fixed by these Terms of Use.

1. The Service is provided to you and is accessible to you based on its availability. Desjardins makes no warranties, either express or implied, including but not limited to warranties as to the quality of the Service or its fitness for a particular purpose, or as to the non-infringement of the Service's Terms of Use by users.
2. More specifically, Desjardins does not warrant that:
   1. the Service will operate without interruption or error or in a secure and timely manner
   2. results obtained by using the Service will be accurate and reliable
   3. the quality of any product, service, information or other materials purchased or obtained by you in connection with the Service will meet your expectations
   4. defects in the Software and Applications, if any, will be rectified
3. You alone will be responsible for any damage sustained by your computer or any loss of data that may result when downloading material
4. No advice or information, whether oral or written, obtained by you from Desjardins or in the course of using the Service may be construed as creating any warranty not expressly stipulated in the site's Terms of Use.

To the fullest extent possible pursuant to applicable law, Desjardins will in no way be liable for any direct or indirect damage, including without limitation the loss of profits, customers or data, or other loss of intangible assets, even if Desjardins has been advised about the possibility of such damage, that may arise:

1. from the use or inability to use the Service
2. following unauthorized access to the Service by a user or following a change in your transmissions or your database
3. from the actions or conduct of a third party in the course of using the Service
4. from the loss or theft of a user's mobile devices or smartwatches

All information on this website is protected by copyright. Users may only copy its contents for their own personal use. No one may redistribute, reproduce, republish, store in any medium, retransmit, or modify the information on this website for commercial purposes without the written authorization of Desjardins, or make public use thereof without crediting the source.

Desjardins^® and related trademarks are trademarks of the Fédération des caisses Desjardins du Québec.

All other trademarks and logos (including certain names, words, titles, drawings, illustrations and icons) appearing on the site are trademarks of Desjardins or third parties. Any use of these trademarks is strictly forbidden without the owner's written authorization. Any unauthorized downloading, retransmission, or other copying or modification of trademarks and/or site content may be a violation of federal or other laws applying to trademarks and/or copyrights and could subject the copier to legal action.

*Visa is a trademark of Visa International, Inc.

In addition to the terms prescribed herein, the use of the chat support tool is subject to the following terms and conditions:

• The tool is made available to users for personal use and may not be used for commercial, advertising or other purposes.
• It is forbidden to change or pirate this tool, or to change any other Website to falsely imply that it is associated with this tool.
• Chats are protected by this site's Privacy statement and the Security statement, to be read by users. Access to chat content is limited to personnel authorized to follow up on requests. Users give their consent that Desjardins supervisors or managers may examine, immediately or at a later date, chats to guarantee the quality of the information and services rendered.
• In chats, users may never submit, post or publish, any proposal or material that may be considered by Desjardins to be defamatory, obscene, pornographic, threatening, invasive, abusive, illegal, indecent, aggressive or otherwise unacceptable. In such a case, Desjardins may end a chat at any time without prior notice and delete or restrict access to any proposal, material or file of this nature. Desjardins cannot be held responsible for any direct or indirect damage that someone may claim to suffer in such a circumstance.
• Information and services provided by Desjardins during chats are subject to copyright and intellectual property laws, as provided for herein. Users may only copy its contents for their own personal use. No one may redistribute, reproduce, republish, store in any medium, retransmit, or modify the information on this website for commercial purposes, unless they have obtained prior authorization from Desjardins.
• Please read the Member relations page on this site to find out how to let us know of any complaint or suggestion about the quality of the information and services received when using the chat support tool.

• Comments submitted are moderated and posted once a day, Monday to Friday, between 8:30 a.m. and 4:30 p.m.
• Off-topic comments will not be posted.
• Desjardins blogs are not anonymous. Users are required to indicate their first and last names when submitting a comment.
• The blogs are open to people of all ages, races, religions, genders, ethnic background and sexual orientation.
• Blogs are a place to interact and discuss. Expressing disagreement with another blogger will always be done respectfully. Hence, insults, threats or harassment are forbidden.
• Comments to be posted on this blog should be written in English. The use of other languages, except for a few words, is forbidden.
• The use of coarse, obscene or vicious language is forbidden. Comments deemed offensive or shocking will be deleted without prior notice.
• The sharing of opinions and different views is encouraged, but should not turn into a private discussion between two bloggers. These types of messages will be limited and may be deleted at any time, without prior notice.
• Comments written in capital letters will not be posted. On the Internet, the use of capital letters is akin to screaming and may be deemed a form of aggressiveness. Therefore, capital letters should be used sparingly.
• Including links to other sites in a comment is permitted, as long as they are pertinent to the comment. However, Desjardins is in no way responsible of the content of these sites.
• Sending comments over and over will not be tolerated.
• Comments that include personal financial information will not be posted in their entirety. The personal information in question will be deleted.
• Fraudulent personation of a blogger, host, and moderator or of any other person is a serious offence and will not be tolerated.
• Advertising of any kind is forbidden.
• The contents of the comments on Desjardins.com blogs are the sole responsibility of the bloggers.
• Desjardins reserves the right to withdraw or not post a comment.
• Desjardins reserves the right to amend these terms of use at any time, without prior notice.
• Desjardins will not be held liable should a user be unable to use its services, be it for technical or other reasons.
• Comments made by employees, executives, administrators and managers of Desjardins Group entities, subsidiaries or components should not breach the rules of confidentiality to which they are professionally bound.

Debit card

Conditions for using your debit card with this application

To use your debit card (the “Card”) with this application (the "Application"), you must agree to the following:

I understand that all transactions carried out through the Application using my Card are subject to the conditions governing the use of the Card.

The Application allows me to carry out transactions with the Card, up to a maximum amount determined by the financial institution that issued the Card, at participating merchants. To complete a transaction at the merchant using the Application, the card does not need to be inserted or swiped in a payment terminal or other device designed for that purpose, and I do not need to enter my PIN. I can simply wave the mobile device containing the Application with the Card programmed into it near the terminal or other device designed for that purpose. I can also use the Application to complete transactions remotely without being in the presence of the merchant and without entering my PIN. I understand that every transaction carried out using my Card through the Application is considered to be an authorized use of my Card and I am subject to the same liability as if I had entered the PIN for my Card in a payment terminal or any other accessible device.

To prevent any unauthorized use of my Card, I agree to take all necessary precautions to keep my mobile device safe, as well as any passwords or information that would allow someone to use the Application to make a transaction with my Card. If such precautions are not taken, I understand that it will be presumed that I have contributed to the unauthorized use of my Card and assume all liability therefor. If my mobile device is lost or stolen, or if someone else learns or is suspected of having learned my login information, I understand that I must immediately advise my financial institution.

I understand that the option to use my Card with the Application may be withdrawn at any time without notice, for any reason, including suspected fraud, or if I do not comply with these conditions or any other conditions related to my Card. The Application is owned and developed by a third party not affiliated with the Federation, its caisses or its subsidiaries ("Desjardins"). Therefore, I understand that Desjardins does not set the terms of use of this Application and is not responsible for its operation. I understand that solely the Application provider is liable for any problem with or associated with the Application, and the financial institution that issued the Card is not involved in any way. I understand that solely my mobile device provider and/or telecommunications services provider is liable for any problem with or associated with my mobile device, and the financial institution that issued the Card is not involved in any way.

Credit card

Conditions for using your credit card with this application

To use your credit card (the "Card") with this application (the "Application"), you must agree to the following:

I understand that all transactions carried out through the Application using my Card are subject to the agreement governing the use of the Card. I understand that every transaction carried out using my Card through the Application is considered to be an authorized use of my Card, and I am subject to the same liability as if I had signed for each transaction or entered the personal identification number (PIN) for my Card in a payment terminal or any other accessible device.

To prevent any unauthorized use of my Card, I agree to take all necessary precautions to keep my mobile device safe, as well as any passwords or information that would allow someone to use the Application to make a transaction with my Card. If such precautions are not taken, I understand that it will be presumed that I have contributed to the unauthorized use of my Card and assume all liability therefor. If my mobile device is lost or stolen, or if someone else learns or is suspected of having learned my login information, I understand that I must immediately advise my financial institution.

The Application is owned and developed by a third party not affiliated with the Federation, its caisses or its subsidiaries ("Desjardins"). Therefore, I understand that Desjardins does not set the terms of use of this Application and is not responsible for its operation.

The Service Terms of Use represent the entire agreement between Desjardins and you with regard to use of the Service and they supersede any prior agreement between you and Desjardins concerning use of the Service. You may also be subject to additional Terms of Use specific to certain services, third party content and third party software that will be disclosed to you once you access such services, content or software. The failure by Desjardins to exercise any rights conferred upon it by virtue of the Terms of Use in no way constitutes a waiver of such rights. Should any provision of these Terms of Use be judged to be invalid by the decision of a court, all other provisions will remain in effect and continue to apply. The section titles in the Terms of Use are provided for information purposes only and have no legal effect.

Finally, the use of some Desjardins services may require compliance with additional or specific rules, conditions, provisions or guidelines that will be set forth in a separate agreement. Such rules and guidelines will be considered an integral part of these Terms of Use. In the event of any disagreement or confusion between the Terms of Use and the separate agreement, the latter will prevail.