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Legal

All the legal stuff - terms, conditions, etc.

Legal Stuff

Web Terms And Conditions

Except as otherwise agreed to by Tangerine Bank ("Tangerine"), the following terms and conditions shall govern your use of the Tangerine website.

Use of Information

The information contained in this website is not intended to provide specific legal, accounting, financial, or tax advice for any individual or entity and should not be relied upon in that regard.

Accuracy and Changes

Interest rates provided by Tangerine and other Tangerine entities on this website are believed to be accurate when placed on the website, however, posted rates are subject to change at any time without notice. To obtain our most up-to-date rates, please contact us by phoning us at 1-888-826-4374.

Tangerine shall not be liable regardless of the cause or duration, for any errors, inaccuracies, omissions or other defect in, the information contained within this website, or for any delay or interruption in the transmission thereof to the user, or for any claims or losses arising therefrom or occasioned thereby. Tangerine shall not be liable for any third-party claims or losses of any nature, including, but not limited to, lost profits, punitive or consequential damages. Tangerine does not warrant or guarantee the timeliness, sequence, accuracy or completeness of the information contained herein.

Direct Access

Tangerine may provide direct access to your account(s) by one or more of the following methods:
(a) Electronic communications through this Tangerine website;
(b) Speaking over the telephone or pressing its key pad to communicate with an Tangerine Associate or the Tangerine Interactive Voice Response System;
(c) Loan Account electronic communications by automated banking machine (ABM) and direct payment point-of-sale terminals;
(d) Other devices or equipment which Tangerine may designate for Direct Access.

The Tangerine Account Terms, Cardholder Agreement and any other agreement or terms and conditions of Tangerine shall apply to all transactions and other activities facilitated by you in connection with your accounts at Tangerine.

Electronic Identification

Direct access to and use of the Tangerine website requires an electronic identifier which consists of the use of one or more of the following:
(a) Client Number
(b) Personal Identification Number (PIN)
(c) Password
(d) Or other security measures required by Tangerine.

Tangerine will provide you with a Card (where applicable) and other components of the Electronic Identification for Direct Access and where applicable, you may select certain components of the Electronic Identification yourself.

You agree that electronic pages, such as Tangerine website pages, accessed by Electronic Identification are written documents and that by electronically acknowledging by "clicking" any "buttons" stating "OK", "proceed", "continue", "approve" or "buttons" with similar intent shall have the same legal effect as if you had placed your signature by hand and provided hardcopy versions of such pages with intent to be legally bound with Tangerine for their content.

Your Liability

You agree that the use of the Electronic Identification is the legal equivalent to your written, signed instructions to Tangerine.

Tangerine will be under no obligation to confirm the actual identity or authority of any user of the Electronic Identification or any component thereof.

You will not be responsible for unauthorized use of Electronic Identification occurring after notifying Tangerine in accordance with the notice provisions set out below.

Protection of Electronic Identification

You agree to keep Electronic Identification and all components thereof secret and safe to prevent unauthorized use. This includes but is not limited to:
(a) memorizing and maintaining no record of any PIN, passwords or codes included in the Electronic Identification;
(b) avoiding Code combinations which may be easy for someone else to guess or which are directly associated with you such as birth date, address, etc.;
(c) avoiding selecting any part of another PIN, password or code;
(d) take all necessary steps to ensure that any component of the Electronic Identification remains confidential to you - including keying in or speaking at a telephone or electronic device.

Notice to Tangerine

You must immediately phone Tangerine if any component of your Electronic Identification is lost, stolen, misused or may have become known to anyone other than you. You can call us 24 hours a day, 7 days a week at 1-888-826-4374.

Verification

Tangerine reserves the right to contact you to obtain confirmation of any electronic or telephone instruction before processing any transaction but will not be liable due to any inability or failure of Tangerine to contact you in order to confirm such instructions.

Recording Calls and Other Instructions

You agree that all telephone calls and other electronic correspondence may be recorded and kept as a record of your instructions.

Transactions and Limits

Transactions may be limited in dollar amounts or otherwise as Tangerine (or others) may determine and Tangerine (or others) can change these limits without notice to you.

Liability of Tangerine

Tangerine may cancel or restrict Direct Access or your Electronic Identification without notice to you. Tangerine will not be liable for any direct, indirect or consequential loss, damage or inconvenience arising directly or indirectly out of your use of, malfunction, cancellation, restriction or inability to access your account(s) at Tangerine by any means.

Tangerine and other Tangerine entities, are not responsible in any manner for direct, indirect, special or consequential damages, howsoever caused, arising out of use of this website including but not limited to, damages arising from or related to the installation, use, or maintenance of personal computer hardware, equipment, software or any Internet access services.

Unlawful behaviour

Do not use the Tangerine website to communicate to others, to post on the Tangerine website, or otherwise transmit to the Tangerine website, any materials, information, or communication that either causes any harm to any person or that is illegal or otherwise unlawful, including without limitation any hateful, harassing, pornographic, obscene, profane, defamatory, libellous, threatening materials which constitutes or may encourage conduct that would be considered, a criminal offence, give rise to civil liability, promote the excessive, irresponsible or underage consumption of alcohol, or otherwise violate any law or regulation. Notwithstanding that Tangerine or other parties are involved in creating, producing or delivering the Tangerine website, Tangerine shall have the right to monitor or review all communications, materials, transmissions, postings, discussions and chats. Tangerine and all parties involved in creating, producing or delivering the Tangerine website, assume no responsibility or liability which may arise from the content thereof, including but not limited to claims for any of the above-noted matters.

If the Tangerine website contains bulletin boards or any other message or communication facilities whatsoever (collectively, "Forums"), you agree to use the Forums only to send and receive messages and material that shall not, in any manner or to any extent, do any of the following:

  • commit any criminal or quasi-criminal offence, including without limitation, any pornography, hate, assault, or economic crime whatsoever;

  • defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others;

  • publish, post, distribute or disseminate any defamatory, infringing, obscene, indecent or unlawful material or information;

  • infringe, contravene, breach or otherwise interfere with or harm the rights of any other person, including without limitation any contractual, personality, confidentiality, privacy, moral, statutory, common law or intellectual property;

  • upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer;

  • delete any author attributions, trademarks, trade names, logos, legal notices or proprietary designations or labels in any file that is uploaded;

  • falsify the origin or source of software, information or other material contained in a file that is uploaded;

  • advertise or offer to sell any goods or services, or conduct or forward any surveys, contests, or chain letters; and,

  • download any file posted by another user of a Forum that you know, or reasonably should know, cannot be legally distributed in such manner.

 

You acknowledge and agree that all Forums are public and not private communications. Further, you acknowledge that chats, postings, conferences, and other communications by other users are not monitored, screened, sanctioned or endorsed by Tangerine, and such communications shall not be considered reviewed, screened, or approved by Tangerine. Tangerine reserves the right for any reason to remove at any time without notice any of the contents of the Forums received from users, including without limitation bulletin board postings. Tangerine reserves the right to deny, in its sole and absolute discretion, any user access to the Tangerine website or any portion thereof without notice.

Tangerine Records

You accept any records or documents stored or produced by Tangerine through electronic means or device as sufficient evidence for all purposes to establish such documents and the contents as correct, authentic, and binding on you.

Ownership of software, etc.

Tangerine (or a third party) owns any software or device Tangerine has supplied to you for purposes of facilitating direct Access, and you use same under a non-exclusive, non-assignable license, solely for the purpose intended. Tangerine may demand their return at any time without prior notice and you will comply promptly, without keeping any copies.

Where Written Signatures are Required

Some Tangerine products may require your written signature and you will be advised when this is the case. You will be sent the terms and conditions and/or transaction verification which apply to the product or service which requires signature and will have five (5) business days from the date of giving of instructions by Direct Access to advise Tangerine if the material has not been received. If you do not so advise, you will be deemed to have received the terms and conditions and/or transaction verification.

Subject to the following paragraph, when you receive material requiring a signature you will sign it and return it to Tangerine. Your signature will signify your agreement to the purchase or renewal of the product or service in question and all terms and conditions relating to it.

Available Only Where Permitted by Law

The products and services described in the pages of websites of Tangerine and other Tangerine entities, are only offered in jurisdictions where they may be legally offered for sale.

No confidentiality, use of information

The nature of Internet communications means that your communications may be susceptible to data corruption, unauthorized access, interception and delays. The Tangerine website may include incomplete information, inaccuracies or typographical errors. Tangerine, and any other persons involved in the management of the Tangerine website, may make changes in the information and content included in the Tangerine website at any time without notice. Tangerine shall not be responsible for any detrimental reliance you may place on the Tangerine website or its contents. Use of the Tangerine website is on an "as is" basis and is strictly and entirely at your own risk. By entering the Tangerine website you acknowledge and agree that any communication or material you transmit to the Tangerine website, in any manner and for any reason, will not be treated as confidential or proprietary. Furthermore, you acknowledge and agree that any communications, information, ideas, concepts, techniques, procedures, methods, systems, designs, plans, charts, or other materials you transmit to the Tangerine website may be used by Tangerine anywhere, anytime and for any reason whatsoever.

Hyperlinks

Although the Tangerine website may be linked to other sites, Tangerine is not, directly or indirectly, implying any approval, association, sponsorship, endorsement or affiliation with the linked site, unless specifically stated therein. By entering the Tangerine website you acknowledge and agree that Tangerine has not reviewed all sites linked to the Tangerine website and is not responsible for the content of any off-site pages or any other site linked to the Tangerine website. Your linking to any other off-site pages or other sites is at your own discretion and risk.

Applicable law

By entering the Tangerine website you acknowledge and agree that the Tangerine website will be construed and evaluated according to the laws of the Province of Ontario, Canada. You hereby agree and confirm that your use of the Tangerine website and all of the communications, transmissions and transactions associated with the Tangerine website shall have occurred in the Province of Ontario, Canada and that you submit to the exclusive jurisdiction of the courts of the Province of Ontario as the proper and most convenient forum concerning the Tangerine website. If you use the Tangerine website from another jurisdiction, you are responsible for compliance with any and all applicable local laws. Tangerine makes no representation that the materials contained within the Tangerine website are appropriate for customers outside of the Province of Ontario, Canada.

Language (Quebec residents only /Résidents du Québec seulement)

You acknowledge that the French and English versions of this Agreement were remitted to you. You expressly request and agree to be bound exclusively by the English version of this Agreement and that all related documents, including any notices, be drafted in English only. Vous reconnaissez que les versions françaises et anglaises de cette convention vous ont été remises. Vous demandez expressément et acceptez d’être lié exclusivement par la version anglaise de cette convention et que tous les documents qui s’y rattachent, y compris les avis, soient rédigés en anglais seulement.

Changing These Terms

These Terms can be amended by notifying you by the same notification methods provided in the Tangerine Personal Account Terms, Loan Account Agreement and Authorization, Cardholder Agreement or any other agreement or terms and conditions of Tangerine. You will be considered to have received notice of change, five (5) business days after Tangerine has mailed or sent to you, or Tangerine's posting of notice. The effective date for changes contained in such notices will be the date stated in them, and if no date is stated, they will have immediate effect. Use of Direct Access after such time shall confirm your acceptance of and agreement to such amendments.

Copyrights belong to Tangerine

Tangerine is the registered copyright owner of the Tangerine website and no portion of the Tangerine website, including but not limited to the content, information, text, images, audio or video, may be used in any manner, or for any purpose, without Tangerine's prior written permission, except if indicated herein. Without in any way waiving any of the foregoing rights, you may download one copy of the material on the Tangerine website for your personal, non-commercial home use only, provided you do not delete obstruct, or change any copyright, trademark or other proprietary notices. Modification, repostment or use of the material on the Tangerine website in any other manner whatsoever and for any other purpose violates Tangerine's legal rights.

Trademarks Belonging to Tangerine or Other Entities

Certain names, graphics, logos, icons, designs, words, titles or phrases at this website may constitute trade names, trademarks or service marks of Tangerine or other entities. Trademarks may be registered in Canada and in other countries as applicable.

The display of trademarks on the pages of this website does not imply that a license of any kind has been granted unless expressly stated herein. Any unauthorized downloading, re-transmission or other copying or modification of trademarks and/or the contents herein may be a violation of federal or common law, trademark and/or copyright laws and could subject the copier to legal action.

Marketing Names/Trade Names Used by Tangerine Bank

"Tangerine™" is a marketing name (also referred to as a trade name or brand name) used by Tangerine Bank.

Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence.

Forward Banking is a registered trademark of Tangerine Bank.

The following are Trademarks of other companies:

Microsoft, Windows and/or other Microsoft products are either trademarks or registered trademarks of Microsoft.

Apple®, Mac®, QuickTime®, iPad®, iPod® and iPod touch® are registered trademarks of Apple Inc., registered in the U.S. and other countries.

iOS is a trademark or registered trademark of Cisco Technology, Inc. in the U.S. and other countries.

Adobe, the Adobe logo and Acrobat are registered trademarks of Adobe Incorporated.

RealAudio® and RealMedia® are registered trademarks of RealNetworks, Inc.

Interac is a registered trademark of Interac Corp. Used under licence. Tangerine Bank is an authorized user of the trademark.

Mastercard®, Maestro® and the circles design are registered trademarks of Mastercard International Inc., used under licence.

Facebook® is a registered trademark of Facebook Inc.

Twitter® is a registered trademark of Twitter Inc.

Google® is a registered trademark of Google LLC.

YouTube® is a registered trademark of Google LLC.

Android® is a trademark of Google LLC.

Instagram® is a registered trademark of Instagram, LLC.

LinkedIn® is a registered trademark of LinkedIn Corporation.

Unauthorized use of Tangerine's logos and/or name or trade names is prohibited. All information at this site is protected under the copyright laws of Canada and in other countries. In addition, certain information may be copyrighted by others. Unless otherwise specified, no one has permission to copy, redistribute, reproduce or republish in any form, any information found at this website.

© Copyright Tangerine Bank

General

The terms and conditions of other agreements relating to your other Tangerine business remain in force except as expressly altered by these Terms. If there is a conflict between any provision of those other agreements and these Terms, those Agreements prevail.

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