Terms of Use and legal notes
All services and information made available to users by Caisse populaire acadienne ltée and some subsidiaries (hereinafter called "the Caisse") via uni.ca are covered by the terms and conditions described below. By registering for and using the Caisse's website, you agree to abide by these terms and conditions.
The Caisse reserves the right to change the terms and conditions at any time without advance notice. In such cases, the Caisse may post change notices directly on the site or may insert links to such change notices.
Any use of the masculine gender on uni.ca is for the sole purpose of brevity; it is not, in any way, intended to be discriminatory.
Jurisdiction
Jurisdiction
This Web site is governed by the laws of the province of New Brunswick and the applicable Federal laws, irrespective of the principles of conflict of laws or jurisdiction.
Any litigation, dispute or claim of any nature whatsoever resulting from the use of this site must be subject to the jurisdiction of the courts of the province of New Brunswick. Consequently, by using this site users agree that the courts of the province of New Brunswick have exclusive jurisdiction in any suit, action or proceeding stemming from the use of this Web site.
The information on this website is only intended to be used in Canada, in the provinces where the mentioned products and services can legally be offered for sale or made available and is not intended for use or sale in locations where such use would not be permitted by local laws.
1. Service description
The Caisse currently provide users with a wide selection of online services. These include communication and transactional tools, services provided by merchants and the products and services marketed through the Caisse service network (collectively "the Service").
Unless otherwise specified, any new feature that enhances or augments one or more existing services, or any new service launched by the Caisse will be subject to the Terms of Use in effect for this site.
You alone are responsible for paying the costs associated with use of the Service, such as Internet connection charges or fees charged for connecting to networks that provide access to Internet content. As well, you are responsible for acquiring any equipment needed for such connections.
2. User identification
You are not required to identify yourself when making use of the Service, except when such identifying information is required to access the site's transactional tools. At the same time, the more accurate, complete and current your personal information, the easier it will be to tailor the Service to your requirements.
3. Protection of personal information The Caisse is keenly aware of the need to protect your security and privacy, particularly in regards to any information you provide to us while making use of the Service.
Please refer to the site's Confidentiality statement for details about the Caisse's practices in this area.
4. Protection of children
The Caisse's is concerned about protecting children who use this site.
We invite parents to monitor their children's Internet usage and to bear in mind that the services provided via the Caisse's site are designed to appeal to a broad audience. Therefore, as the legal guardians of their children, parents are responsible for determining which services may or may not be appropriate fortheir children and monitoring their use in this regard.
5. User ID, passwords and security
When you register for the Service, you must choose a user ID and password that will enable you to access the Service.
Likewise, when you complete the e-mail registration form, you will receive a Web address, which will also serve as a password. The Web address will allow you to access your registration profile and to make any necessary changes.
You alone are responsible for protecting the confidentiality of your user ID and passwords as well as the confidentiality of any actions undertaken in regard to the identification or password authentication process.
Moreover, you are responsible for immediately notifying the Caisse about any unauthorized use of your user ID or passwords and any other security breach, as well as for taking every possible precaution to ensure that you use the Service under optimal security conditions.
To find out more about security measures concerning the use of uni.ca and its personalized version, please read this site's Security statement.
The Caisse is in no way liable for any loss or damage arising from a failure to comply with the requirements described in this Section 5.
6. Restrictions on use of content
It is prohibited to reproduce by any means whatsoever the information, data, text, software, music, sounds, photos, images, videos, communications and other materials (collectively "Content") included with the Service.
More specifically, it is prohibited to:
1. forge headers or otherwise manipulate content transmitted through the Service
2. upload, post, e-mail, transmit or otherwise make available any Content that contains computer viruses or other computer code, files or programs designed to interrupt, destroy or limit the functionality of any software, computer, application or telecommunications equipment (this list may include other elements without limitation)
3. interfere with, disrupt, or make abusive use of the Service, or servers or networks connected to the Service, or refuse to comply with any requirements, procedures, general regulations or regulatory provisions applicable to networks connected to the Service.
4. infringe, whether intentionally or not, any existing national or international
5. collect and store personal information relating to other users
6. sell, resell or operate on any commercial basis whatsoever any portion of the Service or any use of the Service or access privileges associated with the Service
7. Links to outside Web sites
The Service or third parties may include links to other Web sites or other Internet sources. Since it has no control over these outside sites and sources, the Caisse is not responsible for their availability, nor can it assume any responsibility for the content, links, advertising, products, services or other materials made available by or through such external sites or sources. Furthermore, the Caisse is not liable for any loss or damage, caused or alleged to be caused by, or arising in connection with, the use of or reliance on Content, products and services made available on these outside sites or sources.
Consequently, it is up to you to exercise discretion in your use of such Content. Likewise, you are responsible for assuming all inherent risks, particularly when you rely on the timeliness, usefulness or completeness of the content made available on or through the sites or sources referred to by the Service.
Links leading to software download sites are provided for your convenience; the Caisse is not liable for any difficulty arising from the download of any such software applications.
Links to other sites do not indicate that these outside sites endorse the Caisse or its products and services.
8. Access to caisses sites
The Caisse is solely and entirely responsible for, but not limited to, the information conveyed in the pages of its Internet site on uni.ca, as well as for any payment solution it makes available and fundraising campaign and cause it supports.
9. Notes about the InstaBalance and the Hop 'n S@ve tools
Hop 'n S@ve and InstaBalance are available as part of the mobile services app. Once you set them up, you won't have to log in again to use certain features and get information. These tools are also available on a compatible smartwatch connected to the mobile device. When setting up these tools, the mobile services users agree to protect their mobile devices and compatible smartwatches.
The information displayed in InstaBalance does not take into account balances available, limits or any funds held that can or could affect the account or folio in question. Consequently, the Caisse cannot be held liable for any direct or indirect damage resulting from operations or transactions carried out based on the information displayed in InstaBalance.
Learn more about security on mobile devices.
10. Financial information
Stock quotes, investment fund values, exchange rates, interest rates and other similar financial data as well as the various product features posted on uni.ca are provided for your information only. This information originates from a variety of sources and is updated on a regular basis. Despite every effort to present information that is as up to date as possible, the Caisse, its officers, managers, employees and agents are in no event responsible for the consequences of any inaccurate information or for any damage sustained as a result of using such information.
11. Statement: information and advice
The Service is provided to you for information purposes only. Therefore, content disseminated in connection with the Service is not destined to be used in conducting transactions or making investment decisions. The Caisse will not assume any responsibility for the Content or the accuracy of all or part of the information transmitted in connection with the Service. Likewise, the Caisse will not be responsible for investment orders or decisions based on such information.
12. Information use and storage
The Caisse may establish general rules and deadlines concerning use of the Service. This may include, without limitation, determining the maximum number of days of account inactivity and the maximum number of times you may access the Service during a given period of time (as well as the maximum duration of each access session).
Furthermore, the Caisse is in no way responsible for the personalized settings of site users and does not make any warranty with respect to the deletion of your data or any failure to preserve your data.
13. Changes made to the Service
The Caisse reserves the right at any time to change, temporarily suspend or terminate the Service in whole or in part without informing you in advance. In no event will the Caisse be liable to you or to any third party for a modification, suspension or termination of the Service.
14. Termination
The Caisse reserves the right to terminate access privileges in whole or in part relating to your ID and passwords and to even delete your ID and passwords.
The Caisse also has the right to remove or relocate any Content made available as part of the Service. This may be done for any reason, including lack of use or in situations where the Caisse has good reason to believe that you have violated the Terms of Use applicable to this site.
Any termination of your access to the Service consistent with the established Terms of Use will take place without advance notice of any kind. The Caisse also reserves the right, at any time, to de-activate or delete with immediate effect any folder or any file within a folder, and/or to prohibit future access to such files or to the Service itself.
In no event will the Caisse be liable to you or to any third party for the termination of your Service access.
15. Dealings with merchants
Any dealings with merchants relative to the Service are strictly between you and the merchants concerned. This applies to any correspondence, business relationship or participation in promotions organized by merchants through the Service, including the payment and delivery of goods or services, and, if applicable, any other terms, conditions, warranties or representations arising from these transactions. Consequently, the Caisse will in no way be liable for any loss or damage of whatsoever nature arising from such dealings or, more generally, from the participation of merchants in connection with the Service.
16. Intellectual property
The Service and any software or applications used in connection with the Service ("Software and Applications") may contain confidential information protected by existing intellectual property laws or other legislation.
Content included on the site or in advertising and information made available to you as part of the Service, or presented by merchants in connection with the Service, are protected by the laws applicable to copyright, trademarks and patents and by any other rights set forth in existing legislation, and are the intellectual property of the Caisse, its licensors or the person recognized as the Content supplier.
The site is protected by copyright legislation as a collective work or compilation as defined in Canadian and foreign laws.
Except as expressly authorized by the Caisse or by a merchant, it is strictly prohibited to:
- copy, alter, rent, borrow, sell, distribute or create derivative works based in whole or in part on the Content, the Service or related Software and Applications;
- reverse engineer, disassemble or otherwise attempt to locate the source code (except as provided for by law) or to sell, assign, sub-license or transfer in any way the rights attached to the Software and Applications;
- modify the Content or the Software and Applications in any way or to use modified versions of the Software and Applications in order to gain unauthorized access to the Service or for other purposes not limited to this;
- access the Service by any means other than the interface provided to you by the Caisse for this purpose; or
- use the site or its Content, in whole or in part, except as expressly fixed by these Terms of Use.
- The Service is provided to you and is accessible to you based on its availability. The Caisse makes no warranties, either express or implied, including but not limited to warranties as to the quality of the Service or its fitness for a particular purpose, or as to the non-infringement of the Service's Terms of Use by users.
- More specifically, the Caisse does not warrant that:
- the Service will operate without interruption or error or in a secure and timely manner
- results obtained by using the Service will be accurate and reliable
- the quality of any product, service, information or other materials purchased or obtained by you in connection with the Service will meet your expectations
- defects in the Software and Applications, if any, will be rectified
- You alone will be responsible for any damage sustained by your computer or any loss of data that may result when downloading material
- No advice or information, whether oral or written, obtained by you from the Caisse or in the course of using the Service may be construed as creating any warranty not expressly stipulated in the site's Terms of Use.
18. Limitation of liability
To the fullest extent possible pursuant to applicable law, the Caisse will in no way be liable for any direct or indirect damage, including without limitation the loss of profits, customers or data, or other loss of intangible assets, even if the Caisse has been advised about the possibility of such damage, that may arise:
- from the use or inability to use the Service
- following unauthorized access to the Service by a user or following a change in your transmissions or your database
- from the actions or conduct of a third party in the course of using the Service
- from the loss or theft of a user's mobile devices and/or smartwatches
19. Copyrights and trademarks*
All information on this Website is protected by copyright. Users may only copy its contents for their own personal use. No one may redistribute, reproduce, republish, store in any medium, retransmit, or modify the information on this Web site for commercial purposes without the written authorization of the Caisse, or make public use thereof without crediting the source.
All trademarks and logos (including certain names, words, titles, drawings, illustrations and icons) appearing on the site are trademarks or registered trademarks of the Caisse or third parties. Any use of these trademarks is strictly forbidden without the owner's written authorization. Any unauthorized downloading, retransmission, or other copying or modification of trademarks and/or site content may be a violation of federal or other laws applying to trademarks and/or copyrights and could subject the copier to legal action.
*VISA is a trademark of VISA International, Inc.
20. Registered plan contracts
Visit section Registered plan contracts.
1. General Terms and Conditions
The following terms and conditions of use and all amendments hereto (the "Terms and Conditions") constitute an agreement between you ("You"), the Fédération des caisses Desjardins du Québec ("We" or "Us") concerning your use of the Mobile deposit function ("Mobile Deposit"), a function of the Caisse Mobile Services Application.
If You use Mobile Deposit on behalf of a company or other legal person, a general or limited partnership, a joint venture, a sole proprietorship, an association, etc. (each a "Business") then "You" refers both to the Business and to You as an individual user acting on its behalf and You declare that You are duly authorized to agree to these Terms and Conditions on behalf of the Business.
It is important that You read and understand these Terms and Conditions since they apply to each use You make of Mobile Deposit. By checking at the appropriate place and clicking on "I agree", You will be deemed to have read and agreed to the Terms and Conditions.
You agree that we may at any time make additions or changes to the Terms and Conditions. If We modify the Terms and Conditions, We will notify You by means of a notice published in the Caisse Mobile Services Application or by any other means. Your use of Mobile Deposit after such notice has been given means that You agree to the amended Terms and Conditions.
If, at any time, You no longer agree to these Terms and Conditions or the amendments We have made thereto, You must stop using Mobile Deposit.
The terms and conditions of the agreements You have entered into with respect to your accounts at the Caisse, the terms and conditions of AccèsD and AccèsD Affaires, the terms and conditions of use of the Caisse websites, the terms and conditions of the Caisse Mobile Services Application or any other agreement with us (The "Agreements") also apply to the use of Mobile Deposit. These Terms and Conditions do not replace or amend Agreements but are an addition thereto.
You recognize that the execution of certain operations under this Agreement or resulting therefrom may be conferred by the caisse to a third party mandatary, including an entity that is part of the Desjardins Group, and that, for this purpose, for the operations conferred to it, this third party shall be held to the same obligations and benefit from the same release from liability as the caisse.
If You have any questions about these Terms and Conditions or the use of Mobile Deposit, You may reach us at the following number for an Individual member or a Business member.
2. Description of the Mobile Deposit Services
Mobile Deposit allows You to deposit cheques or any other eligible item (as defined below under "Eligible Items") in an eligible deposit account (an "Account") by taking a photograph of the front and back of an original Eligible Item (the "Images") using an electronic device with an operating system that is compatible with the Caisse Mobile Services Application (a "Mobile Device") and sending us the Images and any other required information through Mobile Deposit.
Every Image captured using Mobile Deposit must be an image of an original Eligible Item and not an image created using a photocopy or a print-out of an electronic copy.
In order to use Mobile Deposit, You must satisfy eligibility criteria defined by us. Thus, only certain individual members, business members, Eligible Items, Accounts and Mobile Device operating systems are eligible for Mobile Deposit.
3. Agency
You agree that by creating Images of the Eligible Items using a Mobile Device, you are acting as our agent and, in that capacity, the Image will be treated as though we had created the image itself in accordance with the Canadian Payments Association ("CPA") Rules and Standards published at www.cdnpay.ca.
You agree to this appointment and agree that this role cannot be transferred to any third party.
In acting as agent, You agree to comply with these Terms and Conditions and with any applicable law, regulation or standard, including the Payments Canada Rules in force from time to time.
4. Eligible Items
Mobile Deposit allows You to deposit the following original paper items issued in Canadian dollars by a Canadian financial institution or a federal, provincial, municipal or territorial government in Canada:
- Cheque:
- (i) Personal
- (ii) Business
- (iii) Government/municipal
- (iv) Certified cheque
- (v) Traveller's cheque
- Money order
- Bank draft
- Gift certificate with the transcode 81
The following items are not eligible for Mobile Deposit:
a) items payable to a person or business other than You
b) items payable jointly, unless they are deposited in a joint Account of all the payees
c) postdated or stale-dated items
d) items that You know or should have known to be fraudulent
e) items drawn on a financial institution located outside Canada
f) items payable in a currency other than Canadian currency
g) items that have previously been deposited
h) illegible items
i) the image of a photocopy, print-out or PDF file of an item
j) returned items
k) altered items
l) invoice payment slips
m) bonds, coupons, debentures and Government of Canada Treasury Bills.
n) instruments in a non-standard format not approved by Payments Canada
o) instruments that are ineligible under current Payments Canada's rules
5. Eligible Accounts
Mobile Deposit allows Eligible Items to be deposited in certain Accounts only.
For individual members, only Personal Chequing Account (PCA) and Regular Savings Accounts (RS) are eligible. Accounts with registered accounts (RRSPs, TFSAs), allowance saving, personal trust, estate accounts, in-trust account and foreign currency accounts are not eligible.
For business members, only chequing accounts are eligible (including trust accounts). Regular Savings Accounts, Term Savings accounts, and foreign currency accounts are not eligible.
6. Mobile Devices
To be eligible for Mobile Deposit, your Mobile Device's operating system must be compatible with the Caisse Mobile Services Application. You can view the list of compatible operating systems for Individuals or for Businesses.
In addition, in order to use Mobile Deposit, You must obtain and maintain at your own expense the hardware, software and wireless services access required by this function. The Caisse accepts no liability and gives no warranty in respect of Mobile Devices, software and applications used for Mobile Deposit. You acknowledge and accept all the costs and risks associated with use of Mobile Deposit or with technological changes and any resulting deficiency or loss.
We are not liable for the hardware, software and wireless services access that are required to use Mobile Deposit. We have the right, at our sole discretion and without informing You, to make changes to Mobile Deposit from time to time such that your electronic access device, hardware, operating systems and software may no longer be compatible with Mobile Deposit, in which case We accept no liability to You or to any other person.
7. Image Quality
When depositing an Eligible Item using Mobile Deposit, You must ensure that the Image is legible and that the following information can be seen on the Image: the date, the payor's institution, the payee, the amount in letters and/or figures, the payor's signature and the magnetic ink character recognition line (the MICR line). The Image quality of Eligible Items must satisfy the Caisse and the Payments Canada requirements.
8. Receipt of Eligible Items
We have the right to reject any item received, for any reason, including because the Image transmitted is illegible or the deposited item is ineligible. We shall not be liable for errors that may occur during the transmission of Images, including Images that are not fully received or that are misdirected and the risk that a deposited item may be intercepted and information may be disclosed.
We shall not be liable for losses, charges or penalties that may result from the illegibility or poor quality of an Image, including damages that may arise from the rejection of an Image, , the replacement of an instrument, a delay or incorrect payment in connection with the information transmitted.
You agree that we have the right: (i) to change the amount that appears in your Account to reflect the amount indicated on the Image received, or (ii) to cancel an entry made in your Account if an item transmitted was ineligible for deposit. In the above cases, You agree that we shall not be liable for any resulting losses, charges or penalties.
9. Availability of Funds
When You make a deposit using Mobile Deposit, the amount of the deposited items is credited temporarily to your Account at the date We receive your Image until the Image is processed. The availability of the funds is subject to our hold funds policy and your available funds limit. You may view the restrictions applicable to Individual members and to Business members.
You agree that by using Mobile Deposit to deposit a cheque issued by the Government of Canada or a cheque issued by a provincial or territorial government, the funds deposited will be subject to a hold in the Account for the applicable customary time, as if the cheque were issued by a business or an individual. To avoid a hold being placed on the funds, We recommend that You deposit the cheque at the counter.
10. Deposit Processing Time
You can use Mobile Deposit 7 days a week. Deposits will only be processed the same day if they are deposited on a business day before 7:00 p.m. (Atlantic Time). For deposits made after 7:00 p.m. (Atlantic Time) on a business day or at any time on a non-business day, the date of processing will be the following business day. For greater certainty, Saturdays, Sundays and statutory holidays are not business days.
11. Mobile Deposit Limits
Daily and cumulative limits apply to amounts You deposit using Mobile Deposit.
Individual members:
- Daily limit: $10,000
- Limit of $100,000 per 30-day period
Business members:
- Daily limit: $100,000
- Limit of $1,000,000 per 28-day period
12. Charges
If You are an individual using Mobile Deposit, there are no additional charges for deposits made using the Mobile Deposit function, subject to the customary operating charges set out in the Agreements. If You are a business using Mobile Deposit, charges may apply to every deposit made. You can view the rates applicable to Business members.
13. Destroying the Deposited Item
After depositing an Eligible Item using Mobile Deposit, You must keep the Eligible Item in a safe place for 10 days after the deposit date. After that time, You must immediately destroy the Eligible Item using a method of destruction that ensures the Eligible Item cannot be reused.
Even if We send You a confirmation number for the deposit of the Eligible Item, You are responsible for verifying on your Account statement that the amount corresponding to the Eligible Item deposited appears on your statement before you destroy the Eligible Item.
14. Duplicate Deposits
Once You have deposited an Eligible Item, You cannot deposit, attempt to deposit (physically or electronically) or cash the same Eligible Item at any other financial institution or redeposit it with the Caisse. The Eligible Item cannot be endorsed or otherwise transferred to any other person or business. If You contravene any of these terms, You will be liable for all applicable costs and losses.
15. Your Covenants and Representations to the Caisse
15.1 Every time You use Mobile Deposit, You represent, warrant and covenant:
- 15.1.1 To deposit only Eligible Items.
- 15.1.2 To deposit only items issued in Canadian dollars by a Canadian financial institution or a Canadian federal, provincial, municipal or territorial government.
- 15.1.3 To transmit only a legible Image of the original of the deposited item and not an image of a photocopy, print-out or pdf file of an item.
- 15.1.4 Not to deposit postdated or stale-dated items.
- 15.1.5 Not to deposit items for which a stop payment has been issued.
- 15.1.6 Not to deposit items that You know or should have known are fraudulent.
- 15.1.7 Not to transmit incorrect information or information that You know or should have known is incorrect or fraudulent.
- 15.1.8 Not to deposit items that have previously been deposited.
- 15.1.9 Not to deposit items payable to an individual or business other than You.
- 15.1.10 Not to request a third party to create an Image of an Eligible Item payable to You and to deposit it in your Account.
- 15.1.11 To keep the deposited item in a safe place for 10 days following the date of deposit and to destroy it after that time.
- 15.1.12 To deposit cashable items as defined by law and to comply with the requirements of the Payments Canada Rules. The date, the payor's institution, the payee, the amount in letters and/or figures, the payor's signature and the magnetic ink character recognition line (the MICR line) must be clearly legible in the transmitted Images.
- 15.1.13 To comply with these Terms and Conditions of use of Mobile Deposit and any amendment that may be made hereto and with all applicable laws and regulations.
15.2 Every time You use Mobile Deposit, You also declare:
- 15.2.1 that the acceptance and payment of an Eligible Item is subject to the applicables laws (including the Bills of Exchange Act ) and to the Payments Canada Rules, including without limitation the following grounds for rejection: fraudulent endorsement, postdated cheque, duplicate payment, miscoded amount, altered cheque, unusable image.
- 15.2.2 that the deposit of an Eligible Item in your Account is subject to the terms and conditions of your account agreement, which supplement these Terms and Conditions, but do not replace them.
16. Termination
16.1 The Caisse has the right to terminate your access to Mobile Deposit, at its sole discretion and at any time, including and without limitation if:
- 16.1.1 You have breached these Terms and Conditions.
- 16.1.2 We have reason to believe that You are using Mobile Deposit incorrectly, or in an unauthorized or illegal manner.
16.2 Your appointment as agent expires on the date your access to Mobile Deposit ends. Consequently, upon receipt of a notice of termination, You must immediately stop creating Images using Mobile Deposit.
17. Access to and Security of your Mobile Device
You must secure and incorporate in your Mobile Device user codes, passwords or other authentication devices and ensure that they remain secret and confidential at all times. We recommend that You maintain your operating system up-to-date.
We are not liable for losses You may incur if an unauthorized person succeeds in hacking your IT security system or accessing your Mobile Device or your Account using hardware containing software that may reveal or compromise passwords, required user codes or other authentication devices.
18. Loss or Theft of your Mobile Device
You are responsible for all deposits made using your Mobile Device. If your Mobile Device is lost or stolen, You must notify us immediately by dialling the following number if You are an Individual member or a Business member.
19. Deactivating the Mobile Deposit Function
You can deactivate the Mobile Deposit function at any time by contacting us at the following number if You are an Individual member or a Business member.
20. Limitation of Liability
Except where provided by law, the Caisse, its subsidiaries, officers, directors, employees, agents and subcontractors cannot be held liable to You for any loss or damage that may arise from your use or inability to use Mobile Deposit, for any reason whatsoever, including without limitation, as a result of any delay in the processing of deposited items, the non-availability of Mobile Deposit or its interruption at the time of a deposit, steps taken by You to obtain a replacement item or any failure of your Mobile Device following your use of Mobile Deposit. The Mobile Deposit service is offered to You on an "as is" and "as available" basis, without any express, implied, statutory or other warranty or condition.
21. Indemnification
You agree to save and hold the Caisse harmless and indemnify the Caisse for any loss sustained as a result of any dispute, third-party claim or damage of any kind associated with your use of Mobile Deposit and your failure to comply with your obligations under these Terms and Conditions, including, without limitation, under the Payments Canada Rules.
22. Cooperation
You agree to act and cooperate in good faith with the Caisse at all times in using Mobile Deposit or in any investigation regarding unusual or fraudulent transactions.
23. Applicable Laws
These Terms and Conditions are governed by the laws in force in the province where You have your Account and the laws of Canada applicable therein.
The fingerprint unlock service (the "Service") is available in the UNI mobile app. By signing up for the Service, you accept the following terms of use. These terms are in addition to the AccèsD Internet terms of use and are deemed to be an integral part thereof. In the terms below, "you" means "the user" within the meaning of the AccèsD Internet terms of use.
Signing up for the service is optional. The Service uses fingerprint recognition functionality already in your device's operating system. The functionality and operating system, including their security features, are developed and supported by third parties and are their exclusive responsibility. Their use, including adding your fingerprint to your device, is subject to other terms of use that are not established by the Caisse, such as manufacturer's terms and conditions, which you must have accepted before you can sign up for the Service. At no time do the Caisse have access to your fingerprint data.
All fingerprints recorded in your device by means of the fingerprint recognition functionality allow you to identify and authenticate yourself to gain access to the AccèsD Internet service. It is both your access code/user code and password. You must therefore ensure that only your fingerprints are recorded in the device on which you are activating the Service. You may sign up for the Service on only one device. If you wish to add a device to the Service, you must sign up again on the other device and the other device must be eligible for the Service, as determined by the Caisse.
For security reasons, if you add a new fingerprint to your device after having signed up for the Service, the Service will automatically be deactivated on the device and you will have to sign up for the Service again to be able to use it.
Debit card
Conditions for using your debit card with this application
To use your debit card (the "Card") with this application (the "Application"), you must agree to the following:
I understand that all transactions carried out through the Application using my Card are subject to the conditions governing the use of the Card.
The Application allows me to carry out transactions with the Card, up to a maximum amount determined by the financial institution that issued the Card, at participating merchants. To complete a transaction at the merchant using the Application, the card does not need to be inserted or swiped in a payment terminal or other device designed for that purpose, and I do not need to enter my PIN. I can simply wave the mobile device containing the Application with the Card programmed into it near the terminal or other device designed for that purpose. I can also use the Application to complete transactions remotely without being in the presence of the merchant and without entering my PIN. I understand that every transaction carried out using my Card through the Application is considered to be an authorized use of my Card and I am subject to the same liability as if I had entered the PIN for my Card in a payment terminal or any other accessible device.
To prevent any unauthorized use of my Card, I agree to take all necessary precautions to keep my mobile device safe, as well as any passwords or information that would allow someone to use the Application to make a transaction with my Card. If such precautions are not taken, I understand that it will be presumed that I have contributed to the unauthorized use of my Card and assume all liability therefor. If my mobile device is lost or stolen, or if someone else learns or is suspected to have learned my login information, I understand that I must immediately advise my financial institution.
I understand that the option to use my Card with the Application may be withdrawn at any time without notice, for any reason, including suspected fraud, or if I do not comply with these conditions or any other conditions related to my Card. The Application is owned and developed by a third party not affiliated with the Caisse populaire acadienne ltée or its subsidiaries ("the Caisse"). Therefore, I understand that the Caisse does not set the terms of use of this Application and is not responsible for its operation. I understand that solely the Application provider is liable for any problem with or associated with the Application, and the financial institution that issued the Card is not involved in any way. I understand that solely my mobile device provider and/or telecommunications services provider is liable for any problem with or associated with my mobile device, and the financial institution that issued the Card is not involved in any way.
Credit card
Conditions for using your credit card with this application
To use your credit card (the "Card") with this application (the "Application"), you must agree to the following:
I understand that all transactions carried out through the Application using my Card are subject to the agreement governing the use of the Card. I understand that every transaction carried out using my Card through the Application is considered to be an authorized use of my Card, and I am subject to the same liability as if I had signed for each transaction or entered the personal identification number (PIN) for my Card in a payment terminal or any other accessible device.
To prevent any unauthorized use of my Card, I agree to take all necessary precautions to keep my mobile device safe, as well as any passwords or information that would allow someone to use the Application to make a transaction with my Card. If such precautions are not taken, I understand that it will be presumed that I have contributed to the unauthorized use of my Card and assume all liability therefor. If my mobile device is lost or stolen, or if someone else learns or is suspected to have learned my login information, I understand that I must immediately advise my financial institution.
The Application is owned and developed by a third party not affiliated with the Federation, its caisses or its subsidiaries ("Desjardins"). Therefore, I understand that Desjardins does not set the terms of use of this Application and is not responsible for its operation.
24. Terms of Use - Push Notifications
By opting in to push notifications from the UNI mobile app, you agree to the following terms in addition to the Service Terms of Use:
- Neither Caisse populaire acadienne ltée nor any other subsidiary thereof (hereinafter "UNI") can guarantee that your device will receive and display UNI push notifications. For example, push notifications may be delayed or inaccurate, or you may not receive them, for reasons beyond the control of UNI. You agree to hold UNI harmless for any direct or indirect damages that might arise in this regard.
- The push notification service is provided at no charge. However, your device must be connected to the Internet to receive push notifications. You are responsible for any data usage fees charged by your mobile service provider.
- If you do not want anyone else to be able to view or see the content of certain push notifications, you must configure your device accordingly (e.g., add a password or configure your device so that push notifications are not displayed when it is locked). UNI does not have any control over your device's security settings. Under no circumstances will UNI be held liable for any loss or damages resulting from the disclosure of a push notification's content to a third party. For more information, please see our tips on mobile device security.
- UNI may at any time update, add or remove any or all UNI push notifications. When you opt in to push notifications, you agree to automatically receive new UNI push notifications as they are added. You can disable some or all push notifications at any time via your device's settings.
- If you uninstall the UNI app, the push notifications will automatically be disabled. If you reinstall the app on your device later, you will have to enable the UNI push notifications again.
- When you opt in to UNI push notifications, it is for a specific device only. If you want to receive UNI push notifications on other devices, you will need to enable the push notifications on each device.
25. AccèsD Affaires Alert function
I have checked the information in my alert function settings and would like to sign up.
I understand and acknowledge that:
- under the agreement I have entered with my wireless or Internet provider, I am responsible for any charges for receiving texts or notifications, or for reading emails online
- Desjardins is not responsible for any loss or damage caused by incorrect or outdated information in my alert settings
- Desjardins is not responsible for any errors in the transmission or receipt of text messages, notifications or emails attributable to my wireless or Internet provider
- I am responsible for keeping my alerts private
26. Terms and conditions - Debit card
Terms and conditions governing the use of the La Populaire Business card
Terms and conditions governing the use of the La Populaire Individual card
27. AccèsD Affaires - Enrollment Agreement
Download the PDF version
28. Prohibited behaviors
Our commitment to you:
UNI is committed to providing fair treatment to all members and clients who use our products and services. Our "Promesse-client" is put into action with this simple phrase that reflects the bond of trust between UNI and its stakeholders: " How can I help you? I'll take care of it!"
Responsible business conduct: UNI's commitment
Did you know that the Bank Act provides a framework for the behaviour expected of financial institutions towards their customers? Among other things, it specifies that a financial institution may not, at any time:
- Take advantage of a person*;
- Exert undue pressure on a person or coerce him or her for any purpose whatsoever;
- Engage in pressure tied selling;
- Communicate or otherwise provide false or misleading information.
At UNI, we are committed to providing fair treatment to all our current and future members and clients, who use our products and services. In this spirit we are proud to share the following important information about our business practices.
UNI will not take advantage of a person
Our Purpose and core values are the pillars on which our conduct and actions are based. In fact, they express UNI's essential purpose, the precise meaning of our mission.
At UNI, our member and client is at the core of our actions; their satisfaction stems from the relationship with the employee, which is based on honesty, integrity and loyalty. He must respond adequately and appropriately to their needs, putting the protection of their assets to the forefront. These principles are at the heart of our code of ethics, which is signed and reviewed annually by all our employees.
UNI will not exert undue pressure or coercion
| What is undue pressure? | What is not undue pressure? |
| Undue pressure is pressure that would be considered excessive or too persistent by a reasonable person. | Courtesy calls, renewal notices and promotional offers made in the normal course of a business relationship. |
| Example: an employee is very insistent (calls very often, urges for a quick signature) to sell you a product that does not suit you. |
Example: an employee calls you and sends you a note to schedule your annual appointment to discuss your investments. He also mentions that you may be eligible for a preferred rate on a Guaranteed investment certificate (GIC) if you want to come in and meet with them within 30 days.
This is acceptable since you are in no way forced to agree to the appointment or take advantage of the limited time offer. |
| What is coercion? | What is not coercion? |
| Coercion can take the form of threats (physical violence, blackmail, intimidation) to try to convince a person to buy a product, subscribe to a service or to do something they do not want to do. | Compliance-related requests, such as obtaining an original signature, member and client identification requirements, mandatory physical presence of all parties involved in transactions. |
| Your advisor explains that he or she will not be able to renew your mortgage if your spouse does not transfer assets to UNI. | Your advisor asks you to visit a business location so that you and your spouse can sign your loan agreement, otherwise he or she will not be able to proceed with the disbursement.
This request is perfectly acceptable since it is a regulatory and legal requirement that UNI must comply with. |
| What constitutes coercive tied selling? | What is not coercive tied selling? |
| This is the practice of forcing someone to buy product A to obtain product B. | An offer of matched products and services, at competitive rates, or as a condition for a loan. |
| Your mortgage specialist says you qualify for a mortgage, but says the loan will only be granted if you transfer your investments to UNI. You want the mortgage, but you do not want to transfer your investments. | Your advisor offers you the opportunity to obtain a Guaranteed Investment Certificate (GIC) at a preferred rate following the completion of your mortgage, if you agree to transfer your investments to UNI.
This is an acceptable practice, as your mortgage is not conditional on the purchase of another UNI product or service. Instead, you receive a benefit as a thank you for your trust. |
| You go to a business location to open a chequing account, but the employee tells you that you also need to apply for overdraft protection on the account. They promise you that you can cancel the overdraft protection at any time, and even offers it free of charge for the first few months. You don't expect your account to be overdrawn and you don't want the overdraft protection. | Your UNI business location may offer you discounts if you agree to open other products when opening a chequing account. This could be a premium credit card with no annual fee or a discount on a safety deposit box rental fee. If you accept the offer, the total cost would be less than if you had opened each product or service separately.
This type of product bundling is allowed because it allows you to obtain the products and services separately or to opt for the package deal. |
| UNI may require a company to open a chequing account with UNI before lending funds.
This requirement is entirely compliant since the company holds a chequing account with UNI, she can properly assess the risks associated with the company's cash flow and therefore appropriately manage the risks associated with the loan. |
UNI will not provide false or misleading information
At UNI, member and client is at the core of our actions; their satisfaction stems from the relationship with our employes, which are based on honesty, integrity, and loyalty. Thus, we ensure that our employees have the necessary knowledge to take good care of them, that our communications with the public are clear and transparent, and that they accurately represent our products and services. Our code of ethics also states that we have a zero-tolerance policy for any sales or communication practices that use deception, concealment of information or misrepresentation.
Contact Us
Do you have concerns? We want to hear from you. You can find our contact information below.
| Communication Channels | |
| In person | Visit one of our business location |
| Website | www.uni.ca |
| By phone | Contact our Client Contact Centre at 1-888-359-1357 |
29. Miscellaneous
The Service Terms of Use represent the entire agreement between the Caisse and you with regard to use of the Service and they supersede any prior agreement between you and Caisse concerning use of the Service. You may also be subject to additional Terms of Use specific to certain services, third party content and third party software that will be disclosed to you once you access such services, content or software. The failure by the Caisse to exercise any rights conferred upon it by virtue of the Terms of Use in no way constitutes a waiver of such rights. Should any provision of these Terms of Use be judged to be invalid by the decision of a court, all other provisions will remain in effect and continue to apply. The section titles in the Terms of Use are provided for information purposes only and have no legal effect.
Finally, the use of some Caisse services may require compliance with additional or specific rules, conditions, provisions or guidelines that will be set forth in a separate agreement. Such rules and guidelines will be considered an integral part of these Terms of Use. In the event of any disagreement or confusion between the Terms of Use and the separate agreement, the latter will prevail.