Legal Notes

Legal Notice

User's Agreement for B2B Bank Online Banking Services

In using B2B Bank Online Banking Services offered by B2B Bank, we agree to the following terms and conditions:

Definitions.
"access number" refers to the confidential access number given to me when I subscribed to these services and which I must use to access said services;
"Bank" refers to B2B Bank;
"bill" refers to any eligible bill that I have chosen to pay by way of the services;
"billing company" refers to a company which is participating in these services and to which, as I have indicated to the Bank, I wish to pay my bills by means of these services;
"Customer Service" refers to the Bank's call centre providing the services;
"password" refers to the confidential password I was given the first time I used one of these services and that I must modify when using one of these services for the first time;
"services" refers to all of the services provided from time to time through B2B Bank Online;
"transaction" refers to any transaction allowed by the Bank in the context of these services;
"User's Agreement" means the User's Agreement for B2B Bank Online Banking Services.
Subscription.
By subscribing to these services, I have access to B2B Bank Online Banking Services to carry out certain banking transactions via a computer network using a confidential access number and password.
Communication.
I hereby designate the B2B Bank Online Banking Services portal, the email address associated with my profile in B2B Bank Online Banking Services, and epost, as the communication means for receiving electronic documents.
1. I agree to receive electronically the following notices and information regarding my products held with the Bank or products which I may hold in the future, including but without limitation, a line of credit, credit card, personal loan, mortgage and personal account:
  1. Statements;
  2. Modifications to the User's Agreement and product terms and conditions;
  3. Annual notice; and
  4. Notice of change regarding charges or interest rates.
2. You may also receive other electronic documents, including notices or information that the Bank is required to provide by law as well as secured and non-secured messages from our Customer Service department.
3. I acknowledge that I am responsible for advising the Bank by phone at 1 866 334-4434 or in My Profile section in B2B Bank Online Banking Services, of any change, including but without limitation, to my address, phone number and email.
4. At any time, I may cease to receive documents electronically by informing the Bank:
  1. by phone at 1 866 334-4434; or
  2. online via the secured messaging service of B2B Bank Online Banking Services.
5. Documents will be available in either the B2B Bank Online Banking Services portal or epost for a maximum period of 7 years and I am responsible for printing and keeping copies of these records.
6. By clicking "I agree" while registering, I thereby accept the terms and conditions herein. My consent shall take effect at such time.
7. The Bank reserves the right to send me documents in paper form should it be unable to send them electronically, if the Bank has reason to believe I may not have received said documents, or in any other circumstance where the Bank feels it is appropriate to do so.
Usage.
I shall use the services in accordance with the User's Agreement, the Legal Notice below and any other contract with the Bank governing such use, all of which may be amended by the Bank from time to time. My registration to and use of the services shall constitute acceptance of the User's Agreement.
Operation.
Any transaction completed by means of the services shall be processed by the Bank as per the terms and conditions described in the User's Agreement.
Unauthorized payments.
In using the services, I cannot pay bills or transfer funds between two (2) accounts in an amount which would exceed the balance remaining in the account from which the funds would be debited or which would exceed the overdraft limit permitted for said account.
Confidentiality.
In order to access these services, I must use my access number and my password. I agree to keep my access number and password confidential. I agree to employ reasonable measures to protect the confidentiality of my access number and password. Specifically, I must not act in a negligent manner by, for example, disclosing my access number or password to another person, writing it down on easily accessible documents, using as a password any personal information or that of a friend or family member (such as a birth date, name, telephone number, home address), using a PIN number already in use or a bank card number or account number. I agree to inform the Bank as soon as the confidentiality of my access number or password has been compromised or if I suspect that it is known by a third party. I can notify the Bank by telephone by contacting Customer Service and the notice shall take effect immediately. In such case, I also agree to take the necessary measures to change my access number and/or password according to the instructions received from the Bank.
Consent to transactions.
I acknowledge and agree that any transaction carried out using my access number and password is carried out with my consent, as if the transaction was authorized in writing, and as such, requires no further verification by the Bank. However, the Bank reserves the right to verify and authorize or refuse any transaction if it considers such action necessary. Furthermore, I agree that the transactions carried out using my access number and password, whether they are carried out by myself or a third party, with or without my consent or knowledge, are binding upon me and render me responsible to the Bank for any transaction that occurred prior to my advising the Bank of a breach of confidentiality of my access number and/or password.
Statements.
Statements and records prepared by the Bank, as well as recordings made by the Bank in connection with transactions carried out by means of these services, shall be evidence of the transactions.
Fees.
I agree to pay the Bank fees for these services, as set out in the product fee schedule as amended from time to time, and I authorize the Bank to collect these fees from the account used or from any other account I have selected.
Recording.
The Bank may record any telephone conversation I conduct with a Customer Service employee.
Disclaimer.
The Bank offers no guarantee regarding B2B Bank Online Banking Services and cannot be held liable for any acts or omissions that occur online or on the part of an Internet Service Provider. I shall not hold the Bank liable with respect to delays, damages or inconveniences caused by the failure or malfunction of these services or by my inability to access said services. I shall settle directly with a billing company any claim or dispute related to a transaction. The Bank shall not be liable for the failure of a billing company to register the payment of any bill which I have made by means of these services, nor shall it be liable for any extra costs, including interest penalties or late fees, charged by a billing company.

The Bank shall not be held liable by myself or a third party for any damages whatsoever (including without limitation direct or indirect, special, incidental or consequential, exemplary or punitive damages, losses or expenses) that could result from the use of these services, the inability to use these services, any defects in performance, errors, omissions, interruptions, delays in operations or transmissions, computer viruses, failure or breakdown of systems or lines, loss of data, unauthorized use or reproduction of the site or information therein or otherwise, even if the Bank or its representatives are informed of the possibility of such damages, losses or expenses.
Termination of the agreement.
The Bank may terminate this agreement or the use of these services for any reason whatsoever, without prior notice and without incurring any liability. I may terminate this agreement at any time by notifying Customer Service that I wish to do so.
Conservation of documents and proof.
The recording of electronic banking transactions on a computer storage medium constitutes conclusive evidence of said transactions and shall be binding upon me in case of any dispute or legal proceeding with the Bank.
Modifications.
The Bank may, at any time, modify this agreement or its applicable fees by sending me a written notice with my regular account statement or by sending me a written notice to my B2B Bank Online Banking Services account or the email address associated with that account, as referred to in section 3 of the User's Agreement. Any such modifications shall take effect thirty (30) days after the notice is sent to me. The use of these services following the modifications constitutes my consent to said modifications.
Other agreements.
All other conditions stipulated in other agreements in effect between myself and the Bank or in the Legal Notice below, remain in effect and apply along with the User’s Agreement. However, in case of differences between the User’s Agreement and the other agreements or the Legal Notice below, the User’s Agreement shall take precedence.
Service providers.
I acknowledge and agree that the Bank may use service providers to render the services. I consent to the Bank disclosing or sharing information, including my personal information, to or with such service providers, as may be required to render the services.

Legal Notice

IMPORTANT NOTICE

This notice governs the use of B2B Bank Online Banking Services Web site. Please read it carefully before accessing the site.

INFORMATION PURPOSES ONLY

The content of B2B Bank Online Banking Services Web site (the "Web site" or the "site") is provided for information purposes only, unless otherwise indicated, and does not constitute an offer to purchase or sell the products or services of B2B Bank, its parent company or its affiliates. B2B Bank is a subsidiary of Laurentian Bank of Canada. This information is not intended as specific investment, financial, accounting, legal or tax advice for any individual and should not be relied on as such. Each user must take into consideration the laws applicable in his/her jurisdiction when evaluating his/her financial position. Calculations or projections are provided for general illustrative purposes only and are not warranted to be accurate or complete.

ACCURACY AND CHANGE OF INFORMATION

Information and materials provided on this Web site are believed to be accurate when posted. Despite its best efforts, however, B2B Bank cannot guarantee that they are accurate or complete or that they will be current at all times. Furthermore, Internet software or transmission problems may produce inaccurate or incomplete copies of information and materials that may be downloaded and displayed on a party’s computer.

B2B Bank reserves the right to modify the information and materials contained in this site without prior notice. You agree to review said information and materials regularly and your continued access or use of the site will mean that you agree to any such modifications.

SECURITY OF TRANSACTIONS

B2B Bank complies with legislation regarding the protection of personal information. In addition, it uses the most secure encryption techniques presently available to ensure the confidential nature of the information it exchanges with you. However, complete confidentiality in the transmission of data is not always possible over the Internet and privacy cannot be ensured at any time. B2B Bank will not be responsible for any damages you may suffer if you transmit confidential or sensitive information to us and that information subsequently becomes public through no fault of ours.

CONFIDENTIALITY OF CLIENT INFORMATION

As previously mentioned, B2B Bank complies with legislation regarding the protection of personal information. To ensure compliance with this legislation, we have developed a Code of confidentiality, the main points of which are summarized in our brochure entitled "B2B Bank Code of Confidentiality". This code governs the behaviour of B2B Bank employees with regard to the accuracy, confidentiality and security of all client information.

We are committed to protecting the security, as well as the confidentiality of personal and financial information within the Web server hosting our Web site and our internal computer systems. You will be protected against fraudulent activity resulting from a breach in computer security for which you are not responsible provided that you do your part which includes, among other things, guarding your password and preventing unauthorized use of your accounts.

CALCULATORS AND TOOLS

Calculation or projections are provided for general illustrative purposes only, unless otherwise specified and are not warranted to be accurate or complete.

NO WARRANTIES

While every effort is made to ensure that the information and materials contained in the site, including text, graphics, links to other Internet resources or other items is accurate, they are provided on an "as is", “where is” basis. No warranty of any kind, implied, express, or statutory is given by B2B Bank in conjunction with the information and materials including, without limitation, the accuracy adequacy, timeliness, merchantability, operation, non-infringement, usefulness, completeness, reliability and fitness for a particular purpose or completeness of the information and materials and expressly disclaims liability for errors or omissions in this information and materials.

Further, B2B Bank does not represent or warrant that the site will be at all times available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or losses of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

NO LIABILITY

In no event will B2B Bank be liable to you or anyone else for any damages whatsoever (including without limitation direct or indirect, special, incidental or consequential, exemplary or punitive damages, losses or expenses) arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, loss of data, any unauthorized use or reproduction of the site or the information or otherwise, even if B2B Bank, or its representatives are advised of the possibility of such damages, losses or expenses.

NO ENDORSEMENT OF HYPERLINKS

Links to other Web sites from this Web site (or references to products, services or publications other than those of B2B Bank) are for convenience only and are at your own risk. No endorsement of any third party products, services or information is expressed or implied by any information, material or content referred to or included on, or linked from or to this site. Such products, services or information are not investigated, verified, monitored, or endorsed by B2B Bank.

You are responsible for taking the necessary precautions to detect possible viruses and ensuring that any software program accessed through one of the links offered on this site is compatible with your computer. You must also ensure that you have up-to-date backup copies of the entire contents of your hard disk before installing software downloaded from these links.

TRADEMARKS

Certain names, graphics, logos, icons, designs, words, titles or phrases at this site may constitute trade names, trademarks or service marks of B2B Bank, Laurentian Bank of Canada or of third parties of which B2B Bank is an authorized user. Use of trademarks on this site does not necessarily presume that a licence of any kind has been granted. The ® and ™ symbols designate "registered trademark" and "trademark" respectively.

The trademarks are distinguished from one another and accompanied, at first-time use, with the appropriate trademark symbol: ®/™/*. These symbols are keyed to their respective legend which describes the owner or licensee of the trademark: ® Registered trademark of B2B Bank; ™ Trademark of B2B Bank; * B2B Bank, licensee of trademark ® Registered trademark of Laurentian Bank of Canada; ™ Trademark of Laurentian Bank of Canada; * Laurentian Bank of Canada, licensee of trademark.

® The following is a non exhaustive list of marks that are registered trademarks of B2B Bank, having been approved and entered on the Trademark Register held by the Trademarks Office (Canadian Intellectual Property Office) under the Canadian Trademarks Act: B2B BANK, B2B BANQUE, NATLINK, Banking that works for advisors, La solution bancaire pour les conseillers, Borrowing to invest is smarter than borrowing to spend, Mieux vaut emprunter pour investir qu’emprunter pour dépenser, Borrowing to invest is better than borrowing to spend, Emprunter pour investir est bien mieux que d’emprunter pour dépenser, La banque au service des conseillers.

™ The following is a non-exhaustive list of marks that are trademarks of B2B Bank: B2B Trustco, B2B BANK HIIA, CIIE DE B2B BANQUE, B2B BANK HISA, CEIE DE B2B BANQUE, B2B BANK BUSINESS HISA, CEIE AFFAIRES DE B2B BANQUE, Banking that works for brokers, La banque au service des courtiers, It’s banking that works – for advisors, The bank at the service of advisors.

® The following is a non exhaustive list of marks that are registered trademarks of Laurentian Bank of Canada. Certain of these marks are also Laurentian Bank property under the applicable trademarks laws/legislation in foreign jurisdictions: BLC, BLC SERVICES FINANCIERS, LBC FINANCIAL SERVICES, LAURENTIAN TRUST OF CANADA INC., TRUST LA LAURENTIENNE DU CANADA INC., BANQUE LAURENTIENNE, LAURENTIAN BANK, TREE (DRAWING), HOMEOWNER’S KIT, TROUSSE DU PROPRIÉTAIRE

™ The following is a non-exhaustive list of marks that are trademarks of Laurentian Bank of Canada:

LBC, LAURENTIAN BANK OF CANADA, BANQUE LAURENTIENNE DU CANADA, BANQUE LAURENTIENNE DU CANADA & DESSIN, LAURENTIAN BANK OF CANADA & DRAWING, LAURENTIAN BANK SECURITIES, VALEURS MOBILIÈRES BANQUE LAURENTIENNE, LAURENTIAN BANK GROUP, LE GROUPE BANQUE LAURENTIENNE, LAURENTIAN TRUST, TRUST LA LAURENTIENNE, LBC TRUST, BLC TRUST.

The following trademarks are exclusive to their respective owner, and used by B2B Bank and/or Laurentian Bank of Canada under license:

INTERAC, PLUS, FUNDSERV, EPOST, POSTEL.

PROPRIETARY INFORMATION

The information contained in the pages of this site is the sole property of B2B Bank and is for your personal use only. All information at this site is protected under the copyright laws of Canada and in other countries. This information may not be reproduced, in whole or in part, without the written express consent of B2B Bank. Unauthorized public or commercial use, downloading, storage in any medium, retransmission, redistribution or other reproduction or modification of trademarks or information contained in this site is prohibited and may be a violation of such laws, including trademark or copyright laws and could subject the user to legal action.

GENERALITIES

The products and services described on pages of this site are available only in jurisdictions where they may be legally offered for sale. Moreover, all products and services are subject to the terms and conditions of the various agreements specific to each one. Any application for a credit product or service is subject to credit approval by B2B Bank.