For Quebec Residents Only. Clauses Required under the Consumer Protection Act. Clause of forfeiture of benefit of the term Beforeavailinghimself of thisclause,themerchantmustforwardthe consumera notice in writing and unless he is exempted in accordance with section 69 of the General Regulation, he must forward him a statement of account. Within 30 days following receipt by the consumer of the notice and,where necessary, of the statement of account, the consumer may:
For Quebec Residents Only. We may make changes to this Agreement, including changes to theinformation disclosed in theDisclosureStatement,bygivingyou30 days advance written notice of the specific changes. With the exception of changes to Annual Interest Rates, you may refuse any of the specified changes or close your account by sending us notice no more than 30 days following the effective date of the changes coming intoeffect.
For Quebec Residents Only. We will provide you with written notice of any Terms and Conditions Change above, specifically identifying the new and/ or amended sections of these Additional Terms and Conditions for Scotiabank Debit Cardmembers, between 60 and 90 days before the Terms and Conditions Change comes into effect. In the event you do not agree with any changes you may cancel your Program Card Account, without cost, penalty or indemnification, within 30 days of the effective date of the Terms and Conditions Change. If you do not exercise your right to close or cancel your Program Card and Program Card Account (or if you keep a balance in that Program Card Account) in the period set out above, you are deemed to have agreed to the terms and conditions, as modified.
For Quebec Residents Only. We will provide you with written notice of any Terms and Conditions Change above, specifically identifying the new and/or amended sections of these Additional Terms and Conditions for Scotiabank American Express Cardmembers, between 60 and 90 days before the Terms and Conditions Change comes into effect. In the event you do not agree with any Terms and Conditions Changes, you may cancel your Program Card Account, without cost, penalty or indemnification, within 30 days of the effective date of the Terms and Conditions Change.
For Quebec Residents Only. Clauses Required under the Consumer Protection Act (“CPA”) These provisions apply only if the Cardholder is a consumer as defined by the CPA. Open credit contract for the use of a credit card
For Quebec Residents Only. Clauses Required under the Consumer Protection Act (“CPA”) These provisions apply only if the Cardholder is a consumer as defined by the CPA. Contract extending variable credit for the use of a credit card (Applicable UP TO and INCLUDING July 31st 2019) For the purposes of this contract, the sole fact that the card has been issued replaces the merchant’s signature and the sole use of the card by the consumer replaces the consumer’s signature. In the event of loss or theft of a credit card, the consumer incurs no liability for a debt resulting from the use of such card by a third person after the issuer of the card has been notified of the loss or theft by telephone, telegraph, notice in writing or by any other means. Even where such notice is not given, the liability of the consumer whose credit card has been lost or stolen is limited to the sum of $50. At the end of each period, the merchant, if he has a claim with regard to a consumer, must furnish the latter with a statement of account mailed at least 21 days before the date on which he may exact credit charges if the consumer does not discharge his entire obligation; credit charges for advances of money may start as of the date of the advance up until the date of payment. The consumer may require the merchant to forward him, without charge, a copy of the vouchers for each of the transactions described in the statement of account. Until the consumer receives a statement of account at his address, the merchant must not exact credit charges on the unpaid balance, except on advances of money. It is in the consumer’s interest to refer to sections 29, 123, 124, 126 and 127 of the Consumer Protection Act (chapter P-40.1) and, where necessary, to communicate with the Office de la protection du consommateur.”. Open credit contract for the use of a credit card (Applicable ON or AFTER August 1st 2019)
