By accessing this site (the "Site"), you acknowledge these Terms of Use and agree to be bound by them. President's Choice Bank as issuer of the President's Choice Financial® Mastercard®, reserves the right to modify and/or update these Terms of Use at any time without prior notice. Your use of this Site following any such change constitutes your agreement to follow and be bound by these Terms of Use. For this reason, we encourage you to review these Terms of Use whenever you use this Site. DO NOT USE THIS SITE IF YOU DO NOT AGREE TO THESE TERMS OF USE. We assume no liability or responsibility for any damage to you, your computer, or your other property, due to your access to, use of, or downloading of this Site or any materials provided on this Site. Please download and print a copy of these Terms of Use for your records.

 

All products and services referred to on this Site are subject to the terms of the applicable agreement or terms and conditions governing their use, and it is your responsibility to review all such agreements and terms and conditions. These products and services are available in Canada (except for PC Financial personal banking services which are not available in the province of Quebec). This Site does not constitute an offer or solicitation to anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such a solicitation.

Information, content and works on this Site, including but not limited to text, graphics, images, videos, audios, downloadable content, trade-marks and logos (the "Site Information") are protected under intellectual property rights (including copyright and trade-marks) and are the property of Loblaws Inc. and/or its affiliated companies or co-venturers, and/or its or their licensors. Unless otherwise specified, the Site Information may not be copied, displayed, modified, adapted, communicated, distributed, reproduced or republished in any form without advance express written consent. You only have the right to use this Site for personal and non-commercial purposes. All rights not expressly granted are hereby reserved.

For more information please refer to the "Trademarks and Copyright" link on our Legal Stuff page, available on our Site at: /trademarks-and-copyrights/copyright-information

This provision, with the exception of your right to use this Site, shall survive the termination of your right to use this Site.

Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

™Google Pay is a trademark of Google LLC. Android, Google Pay, and the Google Logo are trademarks of Google LLC.

The Site Information is only of a general nature. It is not intended as specific investment, financial, legal or tax advice and you should not rely on it as such. The Site Information does not constitute the official version of our disclosure documents and may not always be the most current. We may change the Site Information at any time.

THIS SITE AND THE SITE INFORMATION ARE PROVIDED "AS IS". WE DO NOT REPRESENT OR WARRANT, AND PROVIDE NO CONDITIONS, AS TO THE ACCURACY, ADEQUACY, TIMELINESS, OR COMPLETENESS OF THIS SITE OR SITE INFORMATION AND DISCLAIM ALL LIABILITY FOR ANY ERRORS OR OMISSIONS. PC FINANCIAL PROVIDES NO WARRANTY OR CONDITION OF ANY KIND (WHETHER LEGAL, IMPLIED, EXPRESS OR STATUTORY) REGARDING THIS SITE OR THE SITE INFORMATION ARISING FROM STATUTE, COURSE OF DEALING OR USAGE OF TRADE, INCLUDING WARRANTIES OR CONDITIONS OF MERCHANTABLE QUALITY, QUALITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS. THE FOREGOING SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAWS.

This provision shall survive the termination of your right to use this Site.

We do not accept unsolicited ideas for new products, packaging, marketing, advertising, research, business operations and the like. Should you ignore this policy and submit an idea to us, you agree that the idea becomes and remains our sole and exclusive property without further liability or compensation to you.

If you respond to us with any information, including but not limited to feedback, data, questions, comments, suggestions, or the like, such information shall not be deemed confidential. All such submissions shall be deemed our property and your submission of information shall constitute an assignment to us of all worldwide rights, titles, and interests in such information. We will not be liable for any use or disclosures of such information. We will not have any obligation to keep such information confidential and will be free to reproduce, use, disclose and distribute the information to others without limitation. We will be free to use any ideas, concept, know-how or techniques contained in such information for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products which incorporate or otherwise rely upon such information.

We welcome your comments and suggestions regarding this Site and products and services, but we do not seek to solicit any confidential or proprietary ideas, suggestions, materials or other information relating to developing, designing, redesigning, modifying, manufacturing or marketing our products or services or any new products or services. By submitting information, you represent, warrant and covenant that we may use and publish such information, and incorporate its concepts into products or services to be distributed by us without liability or compensation to you.

This provision shall survive the termination of your right to use this Site.

You agree that you will not violate or attempt to violate the security of this Site, including by (a) accessing data not intended for you or logging onto a server or an account which you are not authorized to access; (b) attempting to probe, scan or test the vulnerability of this Site, a system or network relating to this Site; (c) attempting to breach security measures of this Site; (d) attempting to interfere with this Site or any service provided on this Site or any host or network related to this Site, including by introducing or transmitting any virus, spyware, malware, or any disabling or harmful mechanism or tool, by spamming, flooding or any denial of service attacks

WE WILL NOT BE LIABLE FOR ANY DAMAGES, LOSSES, COSTS, CLAIMS OR EXPENSES (INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES) ARISING FROM THE USE OR INABILITY TO USE THIS SITE OR THE SITE INFORMATION, OR AN ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY, COMPUTER VIRUS, SYSTEM FAILURE, LOSS OF DATA OR OTHERWISE. THE FOREGOING DISCLAIMER SHALL APPLY REGARDLESS OF THE CAUSE OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER CAUSE OF ACTION WHATSOEVER, EVEN IF PC FINANCIAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS PROVISION SHALL SURVIVE THE TERMINATION OF YOUR RIGHT TO USE THIS SITE.

You agree to indemnify PC Financial and its affiliates and their respective directors, officers, employees, agents, mandataries and contractors against any losses, damages, claims, expenses and costs incurred by PC Financial as a result of your breach of these Terms of Use or your use of this Site.

Hyperlinks to other internet resources or websites are used at your own risk. We make no representations or warranties and provide no conditions whatsoever about other websites which you may access through www.pcfinancial.ca. Third party websites are not subject to the privacy policies or security standards that apply to us or these Terms of Use. You are responsible for reviewing the policies, standards and terms and conditions of such third party websites. Links to third party websites do not mean that we endorse or accept any responsibility for such websites or their content.

For more information please refer to the "Links to third-party web sites" link on our Legal Stuff page available on our Site at: /legal-stuff/third-party-websites

We use various web technologies such as web beacons or cookies to receive and store certain types of information whenever you interact with our Site through your computer or device. For example, the information we collect in this manner may include the pages you visit on our Site, which web address you came from and the type of browser you are using. We also use web beacons or similar technologies to collect certain information when you receive and open email communications from us. For example, the information may include the date/time you first opened our email to you, the number of times it was opened, and the number of click-throughs on any links in our email to you. This information helps us improve this Site for better user experience and make our marketing messages more relevant and effective. We also use this information for internal reporting and analysis purposes, for example, to determine how users are using our Site and performance of our marketing efforts.

When you visit our Site we or our service providers may place a cookie on your computer or device which may store certain personal information and non-personal information which you have provided through your use of our Site, to: aid your use and navigation of our Site; enable us to present offers to you on our Site based on your prior use of this Site, including interest-based ads; and present content specific to your region and language preference. We may also allow our service providers and third-party companies (such as advertising networks) to place a cookie or web beacon on your computer or device which they can recognize when your computer or device is used to visit another website and as a result, display to you advertisements on these other websites about our products and services which may be of interest to you as indicated by your prior visit to our Site, as well as your other online activity which may be tracked by these service providers and advertising networks. We do not collect any information identifiable to you about your other online activity from these service providers or advertising networks.

Most browsers permit you to delete or disable cookies. Depending on your browser, you may also use your browser's privacy settings to block cookies from being placed on your device. However, if you do so, you may not be able to use some of the features of our Site. You may also see the Ad Choice icon in association with our web advertisements on third party websites. Click on the icon for information about behavioral-based online advertising, including how to opt out of such advertising. Please note that opting out of behavioral-based online advertising does not mean you will no longer see online advertisements, only that such advertisements will not be targeted to you based on your online behaviour.

Information about online security is available on our Security page.

PC Financial may terminate your right to use this Site at any time without notice.

Except where prohibited by the laws of your jurisdiction, this Site will be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to the principles of conflicts of law.

This provision shall survive the termination of your right to use this Site.

We take the protection of your privacy seriously. For more information on the privacy policies that apply to us, please refer to the "Privacy" link on our Legal Stuff page, available on our Site at: /legal-stuff/pc-optimum-mastercard-privacy

These Terms of Use, together with all agreements and terms and conditions related to the products and services offered on this Site, constitute the entire agreement between you and PC Financial concerning your access to and use of this Site. To the extent of any conflict, the agreements and terms and conditions related to the products and services offered on this Site prevail. These Terms of Use supersede any prior or contemporaneous agreements between you and PC Financial with respect to the subject matter hereof. The failure of PC Financial to exercise or enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision. If any provisions of these Terms of Use are held to be invalid or unenforceable under applicable law, then such provision shall be severed or modified to the extent necessary to give effect to the intent of the parties and the remaining provisions shall remain in full force and effect. You may not assign these Terms of Use without the express written consent of PC Financial. It is the express wish of the parties that these Terms of Use and all related documents be drawn up in English. C'est la volonté expresse des parties que la présente convention ainsi que tous les documents y afférents soient rédigés en anglais.

This provision shall survive the termination of your right to use this Site.