Information regarding how we protect and manage your personal information is set out in section 12.
The Account Agreements and other agreements between you and Tangerine for a Card and Account continue to apply to the addition or use of the Card through a Third-Party Mobile Wallets, including Tangerine’s Mobile Terms, the Tangerine Credit Card Cardholder Agreement, the Client Card Agreement and the Tangerine Privacy Code (collectively, the “Account Documents”).
Up-to-date copies of the Account Documents can be found on our website at tangerine.ca.
Your mobile device manufacturer, your operating system, your wireless carrier, the Third-Party Mobile Wallet Provider and other third-party services or websites available through a Third-Party Mobile Wallet may have their own terms and conditions and privacy policies which you may have to agree to in order to use their services.
Remember that your Account and Cards are governed by the applicable Account Agreements, even when you are using a Third-Party Mobile Wallet. These Account Agreements continue to apply to your use of the Accounts and Cards on or through any or all Third-Party Mobile Wallets.
Third-Party Mobile Wallets are provided by Third-Party Wallet Providers and those Third-Party Mobile Wallet Providers are responsible for access to, and the use and functionality of, the Third-Party Mobile Wallets.
Tangerine is not responsible for any Third-Party Mobile Wallet, including any failure of a Third-Party Mobile Wallet or any inability to use a Third-Party Mobile Wallets.
Tangerine is also not responsible for any loss, injury or inconvenience you suffer as a result of a merchant refusing to accept the use of a Third-Party Mobile Wallet including for a payment or other Transaction.
You’re solely responsible for any and all Transactions made through any Third-Party Mobile Wallet, including Transactions incurred by an Authorized User or someone you may have authorized to use a Card.
To add a Card to a Third-Party Mobile Wallet, you must follow the procedures set out by the Third-Party Mobile Wallet in their app, plus any further procedures we or the Third-Party Mobile Wallet may require.
You may not be able to add a Card to a Third-Party Mobile Wallet if: (1) you haven’t activated the Card; (2) we can’t authenticate the Card; (3) we suspect fraud or the Card has been reported lost or stolen; or, (4) the Account associated with the Card isn’t in good standing (including if your Account is past due or over-limit). In addition, Third-Party Mobile Wallets may not be available including if your Mobile Device’s operating system or software has been modified. We aren’t responsible if you aren’t able to add a Card to a Third-Party Mobile Wallet or otherwise use the Third-Party Mobile Wallet.
When you use your Card to make a Transaction on an Account through a Third-Party Mobile Wallet, any interest fees and other charges that may apply to the Account for that Transaction will still apply as set out under your Account Documents. For example, if you make a payment and you don’t have sufficient funds in your Account for that payment, you may be charged an insufficient funds fee as set out by your Account Document or if your Transaction causes you to go over your credit limit on your Account you may be charged a fee for exceeding your credit limit. That’s because when you use a Card through a Third-Party Mobile Wallet it’s the same as using your physical Card for your Account.
Tangerine, merchants, or the payment networks may set Transaction amount limits, meaning that you may not be able to complete a Transaction using a Third-Party Mobile Wallet if the value of that Transaction exceeds these limits. If your Transaction is denied because it exceeds the Transaction amount limit, you won’t be able to use the Third-Party Mobile Wallet for the Transaction.
However, you may be able to still to use your physical Card with that merchant (not using the Third-Party Mobile Wallet), assuming your Account is in good standing, there’s no suspected fraud, and the value of the Transaction doesn’t exceed your available credit on the Tangerine Credit Card or funds available through the Tangerine Client Card. Tangerine is not responsible for any Transactions that you are not able to complete through a Third-Party Mobile Wallet including due to limits set on Transactions.
7.1 For Tangerine Credit Cards: If we issue you a replacement Tangerine Credit Card because you’ve reported it as lost or stolen or because it has expired, you’ll be able to continue accessing your Account(s) through a Third-Party Mobile Wallet – even before you receive the physical replacement Card in the mail – and we’ll update Third-Party Mobile Wallets with your new replacement Card’s information. Remember that even if we’ve updated your Third-Party Mobile Wallet with your new replacement Card information, you must still activate your physical Card when you receive it.
You authorize and consent to our doing these updates for you so that use of the Third-Party Mobile Wallet is not interrupted.
7.2 For Tangerine Client Cards: If we issue you a replacement Tangerine Client Card for any reason, you won’t be able to continue accessing your Account through a Third-Party Mobile Wallet using the old Card information. Once you receive your replacement Card and you must also delete the old Card information from the Third-Party Mobile Wallet. Then you must first activate the new Card and then:
1. conduct a chip and PIN Transaction with using your new replacement physical Card at a merchant location (i.e. A “chip and PIN” transaction means that you use your physical Card a merchant by inserting your Card in the payment terminal and enter your PIN in order to complete the transaction), or
2. by using the physical Card at an automatic banking machine.
After conducting one of the above chip and PIN transactions, you’ll then be able add your new Tangerine Client Card’s information to a Third-Party Mobile Wallet by following the procedures as described in Section 4 above.
We’ll notify the Primary Cardholder when an Authorized User adds a Card to a Third-Party Mobile Wallet by delivering the disclosure based on the Primary Cardholder’s communication preferences.
Authorized Users may remove their Card from their Mobile Device at any time, but the Primary Cardholder won’t be able to instruct us to remove an Authorized User’s Card from a Third-Party Mobile Wallet. However, the Primary Cardholder can cancel the Authorized User’s Card on the Account at any time.
8.2 For Client Cards: Joint Account holders on a Tangerine Chequing Account are each jointly and severally responsible for all Transactions when any Card has been added to a Third-Party Mobile Wallet.
Only the Account holder who adds their Card to a Third-Party Mobile Wallet will receive a notification that their Card has been added. The Account holder who adds their Card to a Third-Party Mobile Wallet may remove their Card from their Mobile Device at any time.
If your Mobile Device (or the Mobile Device of an Authorized User on your Tangerine Credit Card Account) is lost, stolen, or otherwise used in an unauthorized way, or if your Credentials (see Section 11) or those of your Authorized User are compromised or you suspect they are compromised, you must immediately notify us so that we may unlink your Mobile Device from the Card that accesses the Third-Party Mobile Wallet. You will remain responsible for Transactions until you notify us as set out in this Section 9.
You must delete your Card(s) from your old Mobile Device if you upgrade, change, or dispose of it or if you transfer it temporarily to a third part (for example, for repair purposes).
You must protect and keep confidential you user ID, passwords or PINs, and all other credentials including finger prints or other biometric information that are used to identify you for a Mobile Device, Account, Card or Third-Party Mobile Wallet or that is required for you to log into your Mobile Device (the “Credentials”) or to make purchases or other Transactions with your Card(s) using Third-Party Mobile Wallets, just as you do your physical Card(s). You must notify us immediately if you suspect or know that your Credentials are lost, stolen or are being used (or you suspect) by someone other than you.
If you share or disclose any Credentials with others, they may be able to access Third-Party Mobile Wallets and make Transactions with your Card(s) through the Third-Party Mobile Wallet or obtain your personal information. You will be responsible for Transactions made by anyone using your Mobile Device if you’ve given them your Credentials including if those Credentials are used to unlock your Mobile Device and complete a Transaction through a Third-Party Mobile Wallet.
Before adding a Card to a Third-Party Mobile Wallet, you must ensure that only your own Credentials are being used for that Third-Party Mobile Wallet.
We will consider Transactions authorized if Credentials are used.
You’re responsible for all Transactions made using your Card(s), except as specifically described in the Account Documents or as otherwise provided by law.
You must also notify us immediately if you believe there is an error on your Account relating to a Transaction or suspect fraud with your Card(s) or if your Card is lost or stolen. You will remain responsible for Transactions until you notify us as set out in this Section 11.
Personal information you provide to Third Parties Wallet Providers to set up or otherwise use or access Third-Party Mobile wallets is your responsibility.
We don’t and can’t safeguard this information, and it isn’t subject to the Tangerine Privacy Code. However, to the extent that personal information is collected, used and disclosed by Tangerine to third parties, the Tangerine Privacy Code applies and forms part of this application. For a full explanation about how, when and why we may collect, use and share your information, as well as your rights relating to that information, please visit www.Tangerine.ca/privacy.
Information we collect about you: Information that we hold about you may come from you directly; however, we may also collect information about you from other sources, including information from credit reporting agencies (for example, where you apply for credit, or where we must identify you) or other banks or finance-related organizations.
How we use your information:
With whom we share your information: We will keep your information confidential, but we may share it with third parties (who also have to keep it secure and confidential) in certain circumstances, including: the Scotiabank Group of Companies† (for example, for marketing purposes or internal reporting where those companies provide services to us), payment processing services (for example, credit card networks), our service providers and their agents (for example, collection agents, statement printers), fraud prevention agencies, and other banks or finance-related organizations. Some of these third parties may be located outside Quebec or Canada.
Your rights and how to refuse or withdraw your consent: You have certain rights over the personal information we hold about you, including the right to ask for a copy of the information, to correct or rectify personal information that we hold about you, or not to use your information for a particular purpose (i.e., withdraw consent). Note that your ability to exercise these rights will depend on a number of factors, and in some situations, and we may not be able to agree to your request. You can refuse to consent to our collection, use or disclosure of your personal information, or you may withdraw your consent to our further collection, use or disclosure of your personal information at any time by giving us reasonable notice, subject to limited exceptions. This includes withdrawing your consent to use your SIN to verify credit information or to confirm your identity. To understand how to go about withdrawing your consent, or to find out more about any of the items described in this section, please visit please visit www.Tangerine.ca/privacy.
† The Scotiabank Group of Companies means The Bank of Nova Scotia and its affiliates who provide deposit, investment, loan, securities, trust, insurance and other products and services.
Third-Party Wallet Providers may set their own terms and conditions for their Third-Party Mobile Wallets. Those terms and conditions apply when a Card is added to a Third-Party Mobile Wallet or the Third-Party Mobile Wallet is accessed or used.
The security of information provided to or stored by third parties, by you on your Mobile Device, or other third parties in connection with Third-Party Mobile Wallets, whether or not this information was provided by you, the payment services, or merchants, is outside of our control. We aren’t responsible if there is a security breach affecting any information collected, stored or sent in connection with Third-Party Mobile Wallets.
Tangerine doesn’t own, operate or support the Third-Party Mobile Wallets or wireless networks through which those Third-Party Mobile Wallets may be available and has no control over their operations. We won’t be liable to you either directly or indirectly for any circumstances that interrupt, prevent or otherwise affect the functioning of Third-Party Mobile Wallets, such as the unavailability of Third-Party Mobile Wallets or your wireless service, communications, network delays, system outages, or interruption of a wireless connection.
Tangerine disclaims any responsibility for Third-Party Mobile Wallets or any wireless service used to access, use or maintain such services. We don’t warrant that Third-Party Mobile Wallets will be available for use, including completing a Transaction, that a merchant will have Third-Party Mobile Wallets availability or that the use of the service will be uninterrupted or error-free.
Use of Third-Party Mobile Wallets involves the electronic transmission of personal information through other third-party connections. Because we don’t operate or control these connections, we can’t guarantee the privacy or security of these data transmissions.
We aren’t responsible for your supported Mobile Device or the software or hardware it contains and make no representations, warranties, or guarantees regarding the same.
However, we reserve the right to send you a notice by regular mail (to your last address in our records) or we may provide you with notice in any of the other following ways:
i. A notice to your email address in our records;
ii. A notice to you by courier to your last address in our records;
iii. A notice in any other way described in the Terms and Conditions.
When you or an Authorized User adds a Card to a Third-Party Mobile Wallet on your Mobile Device, that Third-Party Mobile Wallet will be immediately available for use.
At any time and without notice to you for any reason we may:
You may remove a Card from a Third-Party Mobile Wallet at any time by following that Third-Party Mobile Wallet Provider’s procedures for removing it.
You may terminate the use of a Third-Party Mobile Wallet by deleting it from your Mobile Device.
If you or we terminate or otherwise cancel or suspend the use of the Third-Party Mobile Wallet, any services related to it will immediately terminate. Any payment made using the Third-Party Mobile Wallet prior to such deletion will continue to be processed, including the Transaction on your Account and the sharing of your information with the Merchant.
If you experience any problems when using a Third-Party Mobile Wallet, please contact us at 1-888-826-4374.