Terms of Use

IMPORTANT NOTICE TO USERS OF NATIONAL BANK OF CANADA'S WEBSITE

For the purposes hereof, ”We,” “Us,” and “Our” means National Bank of Canada, its subsidiaries and affiliates. When the complete name “National Bank of Canada” is used in any paragraph of these Terms of Use, only this specific entity is contemplated.

When using our website (the "Website" or the “Site”), you accept these Terms of Use, which are subject to change without notice. Furthermore, you agree to consult these Terms of Use from time to time and acknowledge that your continuing use of the Website means that you have accepted any changes that may have been made.

Governing legislation

The Website will be governed by, and construed in accordance with, the laws of Canada and the applicable laws of the Province of Québec, with the exclusion of its principles of conflicts of laws. Any litigation, dispute or claim arising from or related to the use of the Website shall be subject to the jurisdiction of the courts of Québec and you hereby accept to submit to the exclusive jurisdiction of the courts of Québec in this respect.

Responsibility of the user

As a user of the Site, you agree to use it responsibly and with discretion. You agree to follow both the applicable laws in force and our security standards, which are described under ABCs of Security.

Accessing and using the Website

We cannot guarantee that the Site will be accessible at all times, without interruption, or that it will be free from errors. We shall not be held responsible for any damages that may result from the inaccessibility of the Website or from any difficulties that you may experience while accessing or using the Website, including: an interruption of service; a network failure; the malfunction of any computer hardware or software; or any faulty, incomplete, incomprehensible or deleted transmission, whether or not such difficulties have been brought to our attention.

We reserve the right to suspend at any time, without warning, full or partial access to: the Website; www.m.bnc.ca and each of our pages accessible through certain social media sites. We additionally reserve the right to discontinue uploading information to such sites, in which case we shall not be held responsible for any damages that you may incur.

Contents

The contents of the Website are provided for informational purposes only, unless otherwise stated. This content does not constitute an offer to purchase or sell our products or services, nor does it constitute solicitation on our part or on the part of our authorized third parties. All of our products and services that may be of interest to Canadian residents are not necessarily offered in each province of Canada. They are generally available in regions where they may be legally offered for sale. Furthermore, eligibility for our products and services is subject to the terms and conditions established for each of them.

The contents of the Website must not be interpreted, considered or used as if they were financial, legal, tax, or other professional advice. We shall not be held responsible for any damages that you may incur as a result of relying on such content.

The information contained on the Website is the property of National Bank of Canada and may not be reproduced, in whole or in part, unless for your personal, non-commercial use. In all other cases, you must obtain the written consent of National Bank of Canada prior to reproducing any contents of the Site.

Online transaction services

You may carry out transactions with us on the Website through our Internet Banking Solutions for several of our financial products and services. These services are governed by specific agreements and rules that describe your access and use. You should familiarize yourself with them at your earliest convenience. If you have accessed our financial products and services through our Internet Banking Solutions, these Terms of Use apply concurrently to the specific agreements and rules that govern those products and services. In the event that these Terms of Use are incompatible with the applicable specific and agreements and rules, the latter shall prevail.

Internet Banking Solutions

When you carry out transactions with us through our Internet Banking Solutions, you alone are responsible for ensuring that all user codes, access card numbers, passwords, and personal identification questions used on the Site are protected. We shall not be held responsible for any damages that you may incur as a result of the unauthorized or illegal use of the user code(s), access card number(s), password(s), or personal identification question(s), or your failure to ensure the secure and confidential nature of the transactions.

When using our Mobile Banking Solutions, it is possible that you may not have access to the entirety of the features, functions, content or information related to our products and services, and that they may not be accessible outside of Canada. Any fees charged by your service provider for the use of our Mobile Banking Solutions are your sole responsibility. We can collect, using cookies and other information-gathering technologies, information on your online activity to evaluate the effectiveness of our online promotions and to collect data on the functioning of the Site in order to: enhance our understanding of your needs and interests; offer you a personalized online experience; and provide you with information on our products and services that may be of interest to you. We may make software available for you to download that allows you to use our Mobile Banking Solutions. We reserve at all times our intellectual property rights in this software. You may not copy such software in whole or in part, or make it accessible to third parties. Please consult the Agreement Governing the Use of Automated Services and Electronic Banking Solutions and the ABCs of Security for more information.

Confidentiality and security

We comply with the applicable law governing the protection of personal information. In addition, we use the latest encryption techniques to guarantee the confidentiality of the information exchanged with you through Internet Banking Solutions and Mobile Banking Solutions. We cannot, however, protect information exchanged when the Website is accessed through a non-secure platform or in a public location, which could endanger the confidentiality of your personal information. We shall not be held responsible for any damages that you may incur under such circumstances. Please consult the ABCs of Security for more information on this topic.

E-mail communications are neither secure nor confidential. They can be lost or intercepted, in much the same way as communications by other means (for example, by post). We shall not be held responsible for any damages that you may incur from any exchange of e-mail or electronic messages, whether originating from you or from us.

You alone are responsible for ensuring the protection and safekeeping of your data and computer platforms and devices.

Accuracy and changes of information on the Website

We consider the data and information contained on the Site to be reliable when posted. Despite our best efforts, however, we cannot guarantee that the information is exact or complete, free from errors or omissions, or that it is up to date at all times. For example, financial information (exchange rates, interest rates and other information subject to fluctuation) is considered reliable when it is posted on the Website, but this does not guarantee that it will be reliable at the time that you consult the Website. We are in no way required to update this data or information.

The data and information available on the Site may be changed, moved or deleted without notice.

Trademarks

Certain names, words, titles, phrases, graphics, logos, icons or designs used on the Website may be trademarks belonging to us or used by authorized third parties. Certain trademarks are registered in Canada and/or other countries. However, use of these trademarks on the Website does not necessarily mean that a licence of any kind has been granted. The ® and TM symbols designate registered trademarks and other trademarks respectively.

Precautions to be taken before downloading and installing software

If you choose to access a software program through one of the links offered on the Site, you are responsible for taking the necessary precautions to detect and destroy possible viruses and for ensuring that the software is compatible with your computer. You should also ensure that you have up-to-date backup copies of the entire contents of your hard drive before installing software downloaded from the Website.

We shall not be held responsible for any damages or losses that could result, directly or indirectly, in whole or in part, from downloading any internet page or software, or from sending any information when using the Site.

Hyperlinks

The fact that the Website offers links to other websites does not mean that we endorse or approve the content of these sites or the products, services or publications that may appear thereon. The content available through these hyperlinks is not subject to our policies. Therefore, we shall not be held responsible for any damages that you may incur when you are redirected to another website by way of a hyperlink.

Social media sites

National Bank of Canada pages are accessible through the following social media websites: Facebook, Twitter, YouTube and LinkedIn. Before consulting or using the pages of National Bank of Canada on these social media websites, you must read and comply with their respective terms of use, which can be found at www.nbc.ca/socialnetworks.

Limitation of liability

In general and without limiting the specific cases of limitation of liability mentioned above, and notwithstanding any provisions to the contrary, we shall not be held responsible for any damages that may result from or relate to the Site and/or its contents. In particular, and without limiting the generality of the foregoing, we shall not be held responsible for issues of access, use, accuracy of contents, or the loss of data or information, whether or not we have been informed of the possibility of such issues.

© 2010-2011 National Bank of Canada

The information available on the Website is protected under the copyright laws of Canada and other countries, as applicable. This information may also be the property of parties other than National Bank of Canada.

Please direct any request for authorization with respect to copyright to:

National Bank of Canada
Corporate Marketing and Communication
600 de la Gauchetière West
Montreal, Québec
H3B 4L2