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Legal Stuff

We believe in open, honest communication. An important part of this is letting you know your rights in plain and simple language. Here you will find detailed legal information for specific products and services.

Legal information

Electronic Delivery of Documents Terms & Conditions
How to resolve your concerns with President’s Choice Financial
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Canada Deposit Insurance Corporation (CDIC) Deposit Protection

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About Us Contact Us FAQs Blog Media Centre

Careers Security and Fraud CDIC Member Legal & Privacy Website Terms of Use

Accessibility Social Responsibility (opens in a new window)PCOptimum.ca (opens in a new window)President’s Choice (opens in a new window)PC Mastercard

President's Choice Financial Mastercard is provided by President's Choice Bank. PC Optimum program is provided by President’s Choice Services Inc.

Complaint Appeal Office 2024 Report

Information on powers of attorney

Website terms of use

About Targeted Behavioural Advertising

About Tied Selling

Links to third party websites

PC Bank Basel III Pillar 3 Disclosures (opens in a new window)

Alerts Terms and Conditions (opens in a new window)

Canada Deposit Insurance Corporation (CDIC)

Voluntary Codes of Conduct

Seniors Code: Our Enhanced Measures (opens in a new window)

2024 Responsibility Report and Public Accountability Statement (opens in a new window)

PC Financial Mastercard

PC Financial Mastercard Cardholder Agreement
Changes to Agreement 2022
Disclosure Summary (opens in a new window)
President’s Choice Financial Mobile Wallet Terms of Use (opens in a new window)
Card benefits details
Optional product details
Pre-Authorized Debit – Enrollment Form (opens in a new window)
Pre-Authorized Debit – Cancellation Form (opens in a new window)
Pre-Authorized Debit Agreement (opens in a new window)
PC Financial World Mastercard Concierge Services (opens in a new window)
Power of Attorney form (opens in a new window)
Payment Support Plan (PSP) Terms and Conditions (opens in a new window)

PC Money Account

PC Money Account Agreement (opens in a new window)
PC Money^TM Account Savings Agreement (opens in a new window)
PC Financial® Savings Interest Rates
Changes to PC Money™ Account Agreement 2022
Overdraft agreement (opens in a new window)
Optional service account fees (opens in a new window)
Access to basic banking services (opens in a new window)
Power of Attorney form (opens in a new window)
PC Money™ Account Interac e-Transfer® Terms and Conditions (opens in a new window)

PC Optimum Points

The PC Optimum Program Terms and Conditions (opens in a new window)

Privacy

The providers of President's Choice Financial^® services are committed to keeping your privacy protected and your information confidential at all times.

Loblaws Privacy Policy (opens in a new window)

PC Optimum Points Earning Rates

PC Optimum points earning rates and rounding rules for PC Financial payment cards

Trademarks & Copyright

Trademarks and Copyright Information (opens in a new window)

Legal Information - Products and Services | PC Financial