Desjardins Access Card Terms of Use

• Terms of Use Desjardins Access Card – Individual (PDF, 128 KB) - This link will open in a new window.

• Terms of Use – Desjardins Business Access Card (PDF, 436 KB) - This link will open in a new window.

1. DEFINITIONS

In these terms of use, the following terms and conditions mean:
 - Caisse: the caisse(s), if applicable, of which the cardholder is a member1.
 - Issuing caisse: caisse whose name appears on the card.
 - Card: Desjardins Access Card23.
 - Access code: access code consisting of information shown on a card.
 - Cardholder: person who has obtained a card.
 - Federation: Fédération des caisses Desjardins du Québec.
 - Subsidiary: corporation controlled by the Federation when the Federation holds, directly or indirectly, more than 50% of the voting rights on shares in the corporation, or can elect the majority of its directors, and, for the sole purpose of lightening the text, subsidiary also designates the Federation.
 - Canadian financial institution: any Canadian financial institution other than a caisse or subsidiary as defined in this document.
 - Business day: in Québec, a working day generally allocated to business operations or professional activities, as opposed to a day off or a statutory holiday.
 - Daily limits: maximum limits for daily folio withdrawals made via AccèsD Internet Service.
 - Password: the user's personal and confidential password.
 - Confirmation number: number issued by AccèsD Internet Service that confirms a transaction carried out by the user.
 - Security questions: three questions chosen by the user, the answers to which are specific to, and known only by, the user. The user may be asked any of these questions when logging in to an AccèsD Internet session.
 - Legal representative (QC): understood to be an attorney, mandatary, mandatary in the case of incapacity whose mandate has been sanctioned by the court, curator, tutor to property, liquidator or other person authorized to administer the member's assets.
 - Personal representative (ON): understood to be an attorney, mandatary, tutor to property, legal tutor or executor of the estate.
 - AccèsD Internet Service: service offered via a computer or smartphone, making it possible for users to carry out transactions as defined in the present Terms of Use.
 - Unauthorized transaction: transaction carried out after i) the user has reported that another person may have knowledge of his/her password, ii) the user was obliged, under threat, to divulge his/her access code and password to a third party, on condition that he/she file a police complaint, that he/she inform the Federation. immediately and that he/she collaborate with any future investigation; or iii) the user's access code and password has been appropriated or stolen without his/her knowledge.
 - Authorized transit: amount set by the caisse and up to which it accepts to refrain from withholding funds for negotiated instruments.
 - User: cardholder who uses AccèsD Internet Service.

2. RESPECTING TERMS OF USE

2.1 - The user acknowledges having in his/her possession one or several cards, as he/she wishes.
2.2 - If the user has several cards linked to each of the folios that have been assigned to him/her, in one or several caisses of which he/she is a member, he/she acknowledges that, unless he/she indicates otherwise, each individual card provides access, via AccèsD Internet Service, to all folios and accounts he/she holds in one or several caisses or subsidiaries.
2.3 - He/she also acknowledges that the use of AccèsD Internet Service, as well as transactions carried out within it, are subject to conditions and regulations periodically enacted by the caisse or subsidiary, which he/she accepts and agrees to respect, including the terms and conditions set forth hereafter.

3. TRANSACTIONS CARRIED OUT USING ACCÈSD INTERNET SERVICE

3.1 - The user acknowledges that his/her security questions are security measures required to verify his/her identity, as well as that of AccèsD Internet Service.
3.2 - He/she also acknowledges that use of one of his/her access codes, with the password linked to it, is equivalent to his/her authentic signature and allows him/her to carry out various transactions at the caisse or subsidiary via AccèsD Internet Service (e.g. access to information, bill payments, transfers, line of credit payments, purchase of financial products and services).

4. TRANSACTIONS CARRIED OUT BY A LEGAL REPRESENTATIVE4

When the user is the legal representative of a member, or of a client of a subsidiary, the member or subsidiary client authorizes his/her legal representative to carry out all the transactions that are available to him/her through AccèsD Internet Service, and thus assumes total responsibility for all transactions carried out by his/her legal representative using the Service.

5. INTER-INSTITUTION TRANSFERS

Only those accounts that require one signature, are in Canadian currency and are held by the member in a Canadian financial institution may be included in a member's file. The user agrees that funds from an inter-institution transfer may be subjected to a 0- to 7-day freeze, depending on the authorized transit granted to the member by the caisse where the funds were deposited. As such, the caisse may hold these funds while awaiting final payment from the Canadian financial institution where the withdrawal was made.

6. INTER-CURRENCY TRANSFERS

6.1 - The user agrees and acknowledges that the exchange rate applied to an inter-currency transfer is the exchange rate determined by Fédération des caisses Desjardins du Québec and in force at the time when he/she confirms the transaction for the last time and a confirmation number is assigned to the transaction.
6.2 - The user agrees and acknowledges that prior to 8:00 a.m. and after 4:30 p.m. on business days and on Saturdays, Sundays and holidays, the exchange rate applied to an inter-currency transfer may be adjusted upwards or downwards by Fédération des caisses Desjardins du Québec, at its sole discretion, and that as a result, the exchange rate may be less advantageous for the user.
6.3 - The user acknowledges that an inter-currency transfer can be cancelled only by an offsetting transaction. If an inter-currency transfer must be reversed, for whatever reason, the user agrees and acknowledges that the exchange rate then applicable will differ from the one initially used to make the inter-currency transfer. The user agrees to assume any risk associated with exchange rate changes as well as any direct or indirect loss arising from such transaction. The user therefore relieves the caisse of all liability in this matter.

7. INTERNATIONAL MONEY TRANSFERS

7.1 - The user agrees and acknowledges that he/she is solely responsible for international money transfers made on an account using the International Money Transfer feature via the AccèsD Internet Service.
7.2 - The user agrees and acknowledges that transactions related to international money transfers, particularly foreign exchange transactions, involve risks, including a risk of loss due to foreign exchange fluctuations.
7.3 - The user agrees and acknowledges that the execution of some transactions covered hereunder or stemming herefrom may be entrusted by the caisse to a third party, including Fédération des caisses Desjardins du Québec and, in this capacity, for the transactions entrusted to it, this agent is bound to the same obligations and benefits from the same waivers of liability as the caisse.
7.4 - The user agrees and acknowledges that the exchange rate applicable to an international money transfer is the exchange rate determined by Fédération des caisses Desjardins du Québec and in force at the time the user confirms the transaction and a confirmation number is issued for that transaction.
7.5 - Notwithstanding section 7.4 herein, the user agrees and acknowledges that prior to 8:00 a.m. and after 4:30 p.m. on business days and on Saturdays, Sundays and holidays, the exchange rate applied to an international money transfer may be adjusted upwards or downwards by Fédération des caisses Desjardins du Québec, at its sole discretion, and that as a result, the exchange rate may be less advantageous for the user.
7.6 - The user agrees that the caisse and its correspondents reserve the right to use the services of financial institutions and correspondents (hereinafter referred to as "intermediaries") to make international money transfers, but that they cannot be held responsible for any delay or error in transmission or for any action beyond their control, including acts or omissions by correspondents, agencies or subsidiaries acting as agents.
7.7 - The user undertakes, if applicable, to pay the fees displayed on screen at the time of any international money transfer. The user agrees to have these fees and the converted amount of the international money transfer, if applicable, debited by the caisse at the time he/she confirms the transaction and a confirmation number is assigned to said transaction, directly from the USD or CAD account indicated by the user.
7.8 - The user agrees and acknowledges that the recipient may be charged fees by intermediaries to carry out the international money transfer, and that these may be deducted from the amount sent. He/she acknowledges that the caisse has no control over these fees.
7.9 - The user also acknowledges that the caisse has no control over the exchange rates applied by the recipient's financial institution when said financial institution is required to perform a currency conversion. The user relieves the caisse of all liability for any direct or indirect loss resulting from such a conversion.
7.10 - The user is solely responsible for any error made during the preparation and transmission of his/her instructions regarding an international money transfer. The caisse can therefore not be held liable for any error arising from incorrect or incomplete information provided by the user.
7.11 - Notwithstanding section 16 herein, the user agrees that international money transfers will be made according to the following terms and conditions:
Monday through Friday from 8:30 a.m. to 5:30 p.m., and this provided the international money transfer is carried out on a business day; if the international money transfer is not carried out on a business day, for example, a Canadian statutory holiday, it is processed on the next business day.
7.12 - The user agrees that, regardless of the processing time associated with the option selected for the international money transfer, processing times may vary for reasons beyond the caisse's control and it therefore cannot be held liable for any damage or any direct or indirect loss arising from such a delay.
7.13 - If the international money transfer cannot be delivered to the recipient for reasons beyond the caisse's or the intermediaries' control, the funds may be returned by the recipient's financial institution. The user agrees that fees may be debited from the amount returned by the recipient's financial institution. The user may request an investigation, via the AccèsD Internet Service, if the funds have not been received by the recipient.
7.14 - The user acknowledges that any tracing request involving an international money transfer must be made using the form designated for that purpose through the AccèsD Internet Service and agrees to pay all fees related to this request.
7.15 - The user acknowledges that a transaction limit applies to international money transfers made using the AccèsD Internet Service. This daily limit is the lowest of the following three limits:

• limit identified in the user's file at his/her caisse;
• limit authorized by the destination country;
• limit authorized by Desjardins security services (excluding Desjardins Bank in Florida).

These limits are subject to change without notice. The user will be informed of the applicable limit at the time he/she makes the international money transfer.
7.16 - The user acknowledges that, notwithstanding section 7.11, an international money transfer that is confirmed by the user and for which a confirmation number has been issued is presumed to have been processed and sent and that therefore said international money transfer cannot be cancelled or modified.
7.17 - In the circumstances prescribed in sections 7.13, 7.14 and 7.16 for returned international money transfers, for whatever reason, the user agrees and acknowledges that the applicable exchange rate may differ from the one initially used to make the international money transfer. The user agrees to assume any risk associated with exchange rate fluctuations as well as any direct or indirect loss arising from such a transaction. The user therefore relieves the caisse of all liability in this matter.

8. ALERT SERVICE

8.1 - When the user uses the Alert service, he/she agrees and acknowledges that incoming text message fees and any fees related to reading e-mail on the Internet are his/her responsibility. The user acknowledges that the caisse is not liable for any loss or damage he/she may incur due to errors made while entering delivery settings or if he/she neglects to modify them in a timely manner. Moreover, the caisse cannot be held liable for any loss the user may incur if, despite alerts sent to him/her, he/she does not take appropriate measures in a timely manner.
8.2 - The caisse is also not responsible for any text message transmission or delivery error made by the user's mobile or Internet service provider. The user is responsible for protecting the privacy of alerts sent to him/her.

9. STOP PAYMENT

When making a stop payment via AccèsD Internet or AccèsD mobile, the user is subject to the following terms of use:
9.1 - Stop payments can only be carried out on a cheque or a pre-authorized payment (also called “pre-authorized debit” and “pre-authorized withdrawal”).
9.2 - Users cannot use AccèsD Internet or AccèsD mobile to place a stop payment on a cheque drawn on a line of credit.
9.3 - Stop payments cannot be placed on certified cheques.
9.4 - Stop payments cannot be carried out on a cheque or pre-authorized payment that has already been paid.
9.5 - Stop payments on pre-authorized payments, and any changes to the stop payment, take effect the same day if they’re placed by 3:00 p.m. If the stop payment or change is made after 3:00 p.m., it will take effect the next day.
9.6 - Stop payments on cheques take effect the day they are placed.
9.7 - Stop payment fees will be debited from the account on which the cheque was drawn, or from which the pre-authorized payment was to be paid. If the account balance is too low to cover these fees, the stop payment will not be carried out.
9.8 - Stop payments cannot be placed on loan payments for any loan whatsoever held at a caisse.
9.9 - Stop payments on cheques remain in effect for 190 after the cheque date, unless the user revokes it or the Caisse deletes it after it is processed.
9.10 - Stop payments on a single pre-authorized payment remain in effect for 372 days after the stop payment order was placed, unless it is executed according to the user’s instructions or the user revokes it.
9.11 - Stop payments on several pre-authorized payments will remain in effect for 372 days after the stop payment is placed, unless the user revokes it.
9.12 - The user acknowledges that the Caisse cannot be held liable for any loss or damage the user may suffer if the information contained in the stop payment order is incorrect or incomplete.
9.13 - The user releases the Caisse from any liability it might incur by stopping payment on a cheque or pre-authorized payment as instructed by the user.
9.14 - The user acknowledges that the Caisse cannot be held liable if the payment is made despite the stop payment order, unless the payment results from gross negligence on the part of the Caisse.
9.15 - If a stop payment is revoked, the user acknowledges that the Caisse cannot be held liable if the payment isn’t made, despite the request to revoke the stop payment, unless this non-payment results from gross negligence on the part of the Caisse.
9.16 - For pre-authorized payments, these terms of use do not in any way affect the cancellation rules applicable to pre-authorized debits made in compliance with the Canadian Payments Association Rule H1. The user must visit www.payments.ca - This link will open in a new window. or refer to the PAD Agreement signed with the product and services provider to learn about their rights.

10. CARD OWNERSHIP

Each card remains the property of the issuing caisse and may not be transferred to a third party. On request, cards must be returned to the issuing caisse, which may also retain or cancel them

11. LOST OR STOLEN CARDS

As soon as a user becomes aware of the loss or theft of a card, he/she agrees to notify the issuing caisse or 1-800-CAISSES.

12. PASSWORD CONFIDENTIALITY

12.1 - The caisse will allocate one initial password per card which the user must change the first time he/she uses the card(s). The user agrees not to choose a password that may be easily discovered (e.g. date of birth, address, postal code, social insurance number, health insurance number or driver's licence number); otherwise, it shall be presumed that he/she contributed to the unauthorized use of the corresponding card, if applicable.
12.2 - The user agrees not to divulge any of his/her passwords to anyone, in any way whatsoever, and not to write them on any of his/her cards nor on any other document that may be easily consulted, in which case it shall be presumed that he/she contributed to the unauthorized use of his/her card and shall be held liable, if applicable, for any transactions carried out in violation of an agreement concluded with him/her, or for any fraudulent act related to his/her rights, up to the daily withdrawal limits.
12.3 - Should the user become aware of the loss of confidentiality of his/her password(s) or suspect that a password is known by a third party, he/she agrees to change the password(s) immediately; otherwise, he/she shall be held liable for any damage(s) occurring as the result of any transactions carried out with this password.

13. CONFIDENTIALITY OF SECURITY QUESTIONS

13.1 - To configure his/her new security settings and log into an AccèsD Internet session, the user must choose 3 personalized security questions and answer them. For the purpose of this document, these security questions and answers are collectively known as "authentication elements."
13.2 - The user agrees not to divulge any of his/her authentication elements to anyone, in any way whatsoever, nor to write them on any document that may be easily consulted, nor leave them near any accessible device; otherwise, he/she shall be held liable, including for any transactions carried out in violation of an agreement concluded with him/her, or for any fraudulent act relating to his/her rights, up to the daily withdrawal limits.
13.3 - Should the user become aware of the loss of confidentiality of any of his/her authentication elements, or suspect that these elements are known by a third party, he/she agrees to change the elements immediately; otherwise, he/she shall be held liable for any damages occurring as the result of any transactions carried out via the AccèsD Internet Service following a session opened using these authentication elements.

14. FEES AND LIMITS

14.1 - The user agrees that any transactions that are carried out using AccèsD Internet Service are subject to fees and daily withdrawal limits. The caisse shall communicate the nature of these fees upon request and may change them at any time. Where applicable, the user authorizes the caisse to deduct fees from his/her accounts. The user may have the caisse change his/her daily withdrawal limits.
14.2 - The user also accepts that transactions that are carried out at a subsidiary via AccèsD Internet Service are subject to fees. The subsidiary shall communicate these fees upon request and may change them at any time.
14.3 - A user 's use of AccèsD Internet Service shall indicate his/her acceptance of changes to the fees and conditions as decreed by the caisse and/or subsidiary.

15. TRANSACTION CONFIRMATION

15.1 - The user acknowledges that the confirmation number issued by the AccèsD Internet Service constitutes proof that the transaction that he/she carried out was recorded correctly.
15.2 - Neither the caisse nor the subsidiary is obligated to provide other proof of the transaction, unless the user requires it to prevent or settle a dispute and, in this case, he/she shall provide the caisse or subsidiary with the transaction confirmation number. The user then accepts that the magnetic strip, or its equivalent, on which data relating to the transactions carried out have been recorded, constitutes written proof sufficient for any legal proceeding.
15.3 - Lastly, the user acknowledges that any cheque or account statement sent to the Federation for the purposes of registering the user for the inter-institution transfer feature has the same value as an original document sent by post, or hand delivered, and is admissible as proof in any legal proceeding as if it were the original document.

16. TRANSACTION PROCESSING HOURS

The user accepts that the transactions carried out at a caisse using AccèsD Internet Service shall be processed as follows5:

• from Monday to Thursday before 9:30 p.m.: on the same day;
• from Monday to Thursday after 9:30 p.m.: dated the following day;
• from Friday to Saturday before 6:30 p.m.: dated Friday's date;
• from Saturday after 6:30 p.m. to Sunday inclusively: dated Monday's date.

17. TRANSACTION ACCURACY

17.1 - The user accepts that the accuracy of transactions carried out using AccèsD Internet Service is subject to verification and he/she authorizes the caisse or the subsidiary to proceed with any rectification of the accounts accessible via AccèsD Internet Service, in the event of an inaccuracy or error, within ten (10) business days following such transactions. The user accepts, in addition, that the accuracy of transactions carried out at a subsidiary via AccèsD Internet Service is subject to verification and agrees that the subsidiary may, in the event of an inaccuracy or error, correct these transactions within ten (10) business days of said transactions.
17.2 - The user agrees to promptly verify all entries in his/her passbook or account statement and to notify the caisse of any errors, omissions, mistakes or other irregularities within thirty (30) days of updating his/her passbook or receiving his/her account statement. Online statements are deemed to have been received the day after the end of the statement period.

18. CONFIDENTIALITY

Neither the caisse nor a subsidiary can ensure the confidential nature of transactions carried out by the user if he/she uses a non-secure device to perform them.

19. E-MAIL ADDRESS AND TEXT MESSAGES

If the user must provide his/her e-mail address or other contact information to access or to use certain AccèsD Internet features (e.g. to receive text messages), this information is used by the caisse only to effectively provide the feature and, subject to applicable laws and prior consent of the user, is never shared with third parties.

20. DISPUTE SETTLEMENT

20.1 - The user may, in the event of a dispute in connection with the use of AccèsD Internet Service, have recourse to a dispute settlement procedure, information for which may be obtained upon request at the caisse or the subsidiary concerned, or by calling 1-800-CAISSES.
20.2 - Furthermore, he/she accepts that any problem related to services provided and paid for using AccèsD Internet Service is to be settled directly with the subsidiary concerned and that the caisse is free of any responsibility in this respect (e.g. interest, penalties).

21. LIABILITY

21.1 - The user recognizes that neither the caisse nor the subsidiary can be held responsible for damages, including monetary losses, arising from the unavailability of AccèsD Internet Service, including the inability to display the authentication elements, misuse, or any other interruption of AccèsD Internet Service that may be caused by actions beyond the control of the caisse or subsidiary, including labour disputes and equipment failure. However, the user shall not be held responsible for monetary losses resulting from technical malfunctions of the caisse computer system.
21.2 - Subject to sections 12 and 13 of these terms and conditions, when unauthorized transactions are carried out using AccèsD Internet Service, the user shall not be held liable for those transactions.
21.3 - The user agrees to notify the caisse or subsidiary of any changes to his/her personal information that could affect the transactions carried out via AccèsD Internet Service (e.g. address, phone number, or client number, in the case of a supplier of services or products). The user acknowledges that the caisse or subsidiary cannot be held responsible for damages ensuing from his/her failure to provide updated information, such as interest charges or fees sent to the user by a supplier of products or services.

22. OTHER AGREEMENTS

The user acknowledges that his/her relationship with the caisse and/or the subsidiaries may be governed by other agreements to which they may be party. In the event of a discrepancy between those agreements and these terms, these terms shall prevail.

23. CHANGES TO THE PRESENT TERMS

23.1 - The user acknowledges that the issuing caisse may, unilaterally and without prior notice, change these present terms and provide notification of that fact by means of a notice in the message box. The user may obtain a copy of said notice or of the revised terms upon request at the issuing caisse.
23.2 - Transactions carried out by the user by means of AccèsD Internet Service after changes to or after receipt of the Terms of Use for AccèsD Internet Service constitutes acceptance of those changes and Terms of Use.

24. NOTICE

With the exception of notices that must be sent in accordance with section 20.2, any notice needing to be sent to the caisse in accordance with the terms of this agreement may also be communicated by calling 1-800-CAISSES.

25. WITHDRAWAL FROM/OF ACCÈSD INTERNET SERVICE

The user may withdraw from AccèsD Internet Service and terminate this agreement at any time by contacting the issuing caisse. The caisse may also withdraw service from the user and terminate this agreement at any time, temporarily or definitively, in which case it will not be held responsible for any losses resulting from this action.

1. Definitions

The terms and expressions below have the following meanings throughout the AccèsD Services Terms and Conditions:

• AccèsD Internet service: Service available through a computer or smart phone that allows the user to conduct transactions as described herein.
• Canadian financial institution: Any Canadian financial institution other than a caisse or subsidiary as defined herein.
• Card: Credit card issued by the Fédération des caisses Desjardins du Québec.
• Cardholder (secondary cardholder): A person who has obtained a card and user code.
• Confirmation number: A number assigned by the AccèsD Internet service to confirm a transaction carried out by the user.
• Desjardins: Fédération des caisses Desjardins du Québec and one or more of its subsidiaries, if applicable.
• Federation: Fédération des caisses Desjardins du Québec, the credit card issuer.
• Online Access Card: A number that the cardholder can use for identification purposes and to access the AccèsD Internet service.
• Password: The user's personal and confidential password.
• Security questions: Three questions chosen by the user, the answers to which are the user's own and are known only to him. One of these questions may be asked when the user opens an AccèsD Internet service session.
• Subsidiary: Legal entity controlled by the Fédération des caisses Desjardins du Québec because the latter directly or indirectly holds over 50% of voting rights with respect to the legal entity's voting shares or can elect the majority of its administrators, and, for the purpose of brevity, subsidiary also designates the Fédération des caisses Desjardins du Québec.
• Transaction: Any transaction carried out via AccèsD using the user's access code and password.
• User: Cardholder using the AccèsD Internet service.
• User code: A code provided to the user for identification purposes when accessing the AccèsD Internet service. Refers to the user's Online Access Card number.

2. Respecting the Terms and Conditions

2.1 The user acknowledges having in his possession a user code and password linked to his card. If the user has more than one personal credit card issued by Desjardins, he acknowledges that one user code and one password give him access to all his accounts via the AccèsD Internet service.

2.2 The user also acknowledges that the use of his card, as well as the transactions carried out with it are subject to terms and conditions enacted by Desjardins from time to time and agrees to respect, among others, the terms and conditions set forth hereafter.

3. Transactions

3.1 The user acknowledges that his security questions are security features required for authentication, that is, to verify his identity and that of the AccèsD Internet service.

3.2 The user acknowledges that the use of his card together with his password is equivalent to his authentic signature allowing him to carry out transactions through the AccèsD Internet service (e.g., access to information, change of address, credit limit increase).

3.3 Through the AccèsD Internet service, Desjardins will indicate the following to the user: i) the types of transactions that may be carried out, which can vary depending on the system used; ii) the accounts that may be used to carry out these transactions; iii) the instructions allowing completion of a transaction.

4. Pay your account balance

4.1 Only Canadian currency accounts held at a Canadian financial institution in the name of the user and requiring only one signature may be added to the user's file.

4.2 When the user uses the pay your account balance feature, he understands and accepts that the corresponding amount is immediately debited from his account. However, the user is advised that there may be a delay of one business day before the payment is applied to the credit card account. Business days exclude the following statutory holidays:

• January 1 (New Year's Day)
• Good Friday
• Easter Monday
• The Monday before May 25
• June 24
• July 1 (Canada Day)
• First Monday in September (Labour Day)
• Second Monday in October (Thanksgiving)
• December 25 (Christmas Day)

4.3 Funds may be held on the credit card account for one to eight days upon an account payment from a financial institution.

4.4 Information provided by the user to the Federation appearing on account statements remains strictly confidential. It will only be used to add an account from a Canadian financial institution so that payments may be made from a financial institution.

4.5 The user understands and accepts that Canadian financial institutions may impose applicable limits on account payments from financial institutions.

5. Password Confidentiality

5.1 The Federation will provide the user with a temporary password to be used in conjunction with the user code assigned to him. This password must be modified by the user during his initial use of the service. The user agrees not to choose a password that can easily be guessed (e.g., birth date, address, postal code), in which case he would be considered to have contributed to the unauthorized use of the user code.

5.2 The user agrees not to disclose his password to anyone, in any way and not to write it on the card itself or on any document that is easily accessible, in which case he will assume the full responsibility of doing so, including transactions carried out in contravention of this agreement or fraud perpetrated using this password.

5.3 In the event that the user realizes the confidentiality of his password has been lost or compromised or as soon as a third party is suspected of knowing the password, the user agrees to change it immediately. Failure to do so will render him responsible for any damages related to transactions carried out using this password.

6. Confidentiality of Security Questions

6.1 To configure his new security parameters and open a session of the AccèsD Internet service, the user must choose 3 personal questions and answer them. For the purposes of this document, the personalized security questions and answers shall collectively be known as “authentication elements.”

6.2 The user agrees not disclose his authentication elements in any way, nor to write them on any document that is easily accessible, in which case he will assume the full responsibility of doing so, including transactions carried out in contravention of this agreement or fraud perpetrated using these elements, up to his daily limits.

6.3 In the event that the user realizes the confidentiality of one of his authentication elements has been compromised or as soon as a third party is suspected of knowing one of them, the user agrees to change it immediately. Failure to do so will render him responsible for any damages related to transactions carried out using the AccèsD Internet service once a session has been opened using this authentication element.

7. Transaction Confirmation

7.1 The user recognizes that the confirmation number issued by the AccèsD Internet service constitutes the proof that the transaction has been correctly recorded.

7.2 Desjardins, although it may do so, is not legally required to provide any other proof of transaction unless needed by the user to avoid or settle a dispute. If this is the case, the user must provide Desjardins with the transaction confirmation number. The user accepts that the magnetic stripe or equivalent information medium on which data relating to the transaction is recorded constitutes sufficient written proof of a transaction in any legal proceedings.

8. Transaction Accuracy

8.1 The user accepts that the accuracy of transactions carried out through the AccèsD Internet service is subject to verifications and authorizes Desjardins to make the necessary adjustments in the account accessible through the AccèsD Internet service in the event of inaccuracy or a mistake, within 10 business days of such transactions.

9. Confidentiality

9.1 Desjardins cannot assure the confidential nature of transactions carried out by the user on a non-secure system or if the user has not complied with the provisions relating to password confidentiality described in section 5.2 of this document and the security measures spelled out in the site's security policy.

10. Liability

10.1 The user recognizes that Desjardins cannot be held responsible for damages, including monetary losses, arising from the unavailability of the AccèsD Internet service, including the inability to display the authentication elements, misuse or any other AccèsD Internet service interruption caused by actions outside of Desjardins's control, including labour disputes and equipment failure. However, the user shall not be held responsible for monetary losses resulting from technical malfunctions within Desjardins's information technology system.

10.2 The user will not be held responsible for transactions carried out after he was threatened and obligated to divulge his password or user code, providing a complaint is filed with law enforcement, the Federation is immediately notified and full cooperation is given with any ensuing investigation.

10.3 The user agrees to notify Desjardins of any changes to his personal information that could affect the transactions carried out using the AccèsD Internet service (e.g., address, telephone number). The user recognizes that Desjardins cannot be held responsible for damages ensuing from his failure to provide updated information, such as interest charges or fees sent to the cardholder by a product or service provider.

11. Changes to the Terms and Conditions

11.1 The user recognizes that the Federation can modify these terms and conditions unilaterally and without advance notice.

11.2 By carrying out a transaction through the AccèsD Internet service after such a modification or after receiving the AccèsD Internet service Terms and Conditions, the user agrees to the changes and terms and conditions

12. User Code Cancellation

12.1 The user may withdraw from the AccèsD Internet service and terminate this agreement at any time by contacting the Federation according to the instructions in section 13.

12.2 Desjardins may also withdraw the service from the user and terminate this agreement at any time, temporarily or permanently, in which case it will not be held responsible for any losses resulting from this action.

13. Notices

13.1 Any notice needing to be sent to the Federation in accordance with this agreement can be communicated over the telephone by calling 1-877-226-0226.