Terms of Service

Effective Date: June 29, 2026  |  Last Updated: June 29, 2026

1. Acceptance of Terms

These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "you," or "your") and Scotia Connect ("Company," "we," "us," or "our"), governing your access to and use of the website located at scotiaconnext.com (the "Website") and all associated services, features, content, and functionality offered by Scotia Connect (collectively, the "Services").

By accessing the Website, creating an account, submitting information, or otherwise engaging with our Services, you represent and warrant that:

• You are at least 18 years of age or the age of majority in your province or territory of residence;
• You have the legal capacity to enter into a binding contract under the laws of Canada and the applicable province or territory;
• You are not prohibited by any applicable law, regulation, or court order from entering into this Agreement;
• All information you provide to us is accurate, current, and complete;
• You will comply with all applicable federal, provincial, and territorial laws and regulations of Canada in connection with your use of the Services.

If you are using these Services on behalf of a corporation, partnership, organization, or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms, and references to "you" shall include both you personally and the entity you represent.

2. Description of Services

Scotia Connect operates as a general services platform accessible via scotiaconnext.com. Our Services may include, but are not limited to, the following:

• Access to informational content, resources, and tools available through our Website;
• Communication and inquiry submission forms for contacting Scotia Connect and its representatives;
• Account registration and user profile management;
• Access to digital products, downloadable materials, or online resources where applicable;
• Customer support and service assistance;
• Any other services, features, or functionalities that Scotia Connect may offer from time to time.

Scotia Connect reserves the right, at its sole discretion, to modify, suspend, discontinue, or restrict access to any part of the Services, temporarily or permanently, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Services. We may also introduce new features, tools, or resources that will be subject to these Terms upon their introduction.

The Services are intended for lawful use only. The availability of specific features or functionalities may vary based on your geographic location within Canada, applicable regulations, or the type of account you hold. Not all Services may be available to all users at all times.

3. User Accounts and Registration

Certain features of our Services may require you to register for an account. When creating an account with Scotia Connect, you agree to:

• Provide accurate, truthful, current, and complete information during the registration process;
• Maintain and promptly update your account information to keep it accurate, current, and complete;
• Maintain the confidentiality of your account credentials, including your password;
• Accept full responsibility for all activities that occur under your account;
• Notify Scotia Connect immediately at [email protected] of any unauthorized use of your account or any other security breach;
• Ensure that you log out of your account at the end of each session when accessing the Services from a shared or public device.

Scotia Connect reserves the right to refuse service, terminate accounts, remove or edit content, or cancel orders at its sole discretion. We may suspend or terminate your account if we reasonably believe that you have breached any provision of these Terms or if your conduct may cause harm to Scotia Connect, other users, or third parties.

4. User Obligations and Prohibited Activities

As a condition of your use of the Services, you agree to use the Services only for lawful purposes and in a manner consistent with all applicable Canadian federal, provincial, and territorial laws, including but not limited to the Criminal Code of Canada, the Canadian Anti-Spam Legislation (CASL), the Personal Information Protection and Electronic Documents Act (PIPEDA), and applicable provincial privacy legislation.

You agree that you will not, under any circumstances:

4.1 Illegal and Harmful Conduct

• Use the Services for any unlawful purpose or in violation of any applicable laws or regulations;
• Engage in any activity that is fraudulent, deceptive, or misleading;
• Violate or infringe upon the rights of others, including intellectual property rights, privacy rights, and contractual rights;
• Transmit or facilitate the transmission of unsolicited commercial messages (spam) in violation of CASL;
• Engage in harassment, bullying, threatening, defamatory, or abusive behavior toward any person;
• Publish, share, or transmit content that is obscene, hateful, discriminatory, or that promotes violence or illegal conduct.

4.2 Technical Misuse

• Attempt to gain unauthorized access to any portion of the Services, servers, systems, or networks connected to the Services;
• Interfere with or disrupt the integrity or performance of the Services or the data contained therein;
• Introduce viruses, worms, Trojan horses, malware, ransomware, or any other harmful or malicious code;
• Use automated scripts, bots, scrapers, crawlers, or data extraction tools to access or collect data from the Website without our prior written consent;
• Attempt to probe, scan, or test the vulnerability of the Website or any system or network connected to it;
• Circumvent, disable, or otherwise interfere with any security features or access controls of the Services;
• Use the Services in any manner that could damage, disable, overburden, or impair the Website or our servers.

4.3 Misrepresentation and Abuse

• Impersonate any person or entity, including any employee or representative of Scotia Connect;
• Falsely represent your affiliation with any person or organization;
• Collect or harvest personal information of other users without their express consent;
• Use any information obtained through the Services to contact, advertise to, solicit, or sell to any user without their prior authorization;
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Services.

Violation of any of the above prohibitions may result in immediate termination of your access to the Services, and may also expose you to civil and/or criminal liability under applicable Canadian law.

5. Intellectual Property Rights

All content, materials, and features available through the Services, including but not limited to text, graphics, logos, images, photographs, videos, audio clips, data compilations, software, databases, page layout, design elements, and the selection and arrangement thereof (collectively, the "Content"), are the exclusive property of Scotia Connect or its licensors and are protected by applicable Canadian and international intellectual property laws, including the Copyright Act (R.S.C., 1985, c. C-42), the Trade-marks Act, and related legislation.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Services and the Content solely for your personal, non-commercial purposes in accordance with these Terms. This license does not include the right to:

• Reproduce, copy, distribute, transmit, display, perform, or sell any Content without express written permission from Scotia Connect;
• Modify, create derivative works from, or adapt any portion of the Content;
• Remove or alter any proprietary notices, labels, or markings affixed to the Content;
• Use any Content for commercial exploitation, public display, or public performance without prior written authorization;
• Frame or mirror any part of the Website without Scotia Connect's prior written consent;
• Use any of Scotia Connect's trade names, trademarks, service marks, logos, or domain names without written permission.

Any rights not expressly granted in these Terms are reserved by Scotia Connect. Unauthorized use of any Content may violate applicable intellectual property laws and may give rise to legal action. If you believe that any Content on the Website infringes upon your intellectual property rights, please contact us promptly at [email protected].

6. Payment Terms

Where Scotia Connect offers paid products, services, subscriptions, or features, the following payment terms shall apply:

• Pricing: All prices are displayed in Canadian dollars (CAD) unless otherwise specified and are inclusive or exclusive of applicable taxes (including GST/HST and PST) as indicated at the point of purchase;
• Payment Methods: Scotia Connect accepts payment through methods indicated at the time of purchase, which may include credit cards, debit cards, electronic transfers, or other payment processors;
• Authorization: By providing payment information, you authorize Scotia Connect to charge the applicable fees to your designated payment method;
• Billing Accuracy: You are responsible for ensuring that your payment information is accurate and current. Scotia Connect is not liable for failed transactions resulting from outdated or incorrect payment details;
• Taxes: You are responsible for the payment of all applicable federal and provincial taxes, duties, and levies arising from your purchase of Services;
• Refunds: Refund policies will be as specified at the time of purchase. Unless otherwise stated, all sales are final. Refund requests may be submitted to [email protected] and will be reviewed on a case-by-case basis in accordance with applicable Canadian consumer protection laws;
• Price Changes: Scotia Connect reserves the right to change pricing at any time. Changes will not affect purchases already completed.

7. Privacy and Personal Information

Scotia Connect is committed to protecting the privacy and personal information of its users in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) (S.C. 2000, c. 5) and applicable provincial privacy legislation. Our collection, use, disclosure, and protection of personal information is governed by our Privacy Policy, which is incorporated into and forms part of these Terms by reference.

By using the Services, you consent to the collection, use, and disclosure of your personal information as described in our Privacy Policy. Our Privacy Policy is available on our Website. We encourage you to review our Privacy Policy carefully to understand our practices. In the event of any conflict between these Terms and the Privacy Policy with respect to personal information, the Privacy Policy shall govern.

8. Disclaimers and Services Provided "As Is"

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE CANADIAN LAW, THE SERVICES AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

SCOTIA CONNECT EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT;
• WARRANTIES THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS;
• WARRANTIES THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE;
• WARRANTIES REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY CONTENT OR INFORMATION PROVIDED THROUGH THE SERVICES;
• WARRANTIES THAT ANY ERRORS OR DEFECTS IN THE SERVICES WILL BE CORRECTED;
• WARRANTIES THAT THE WEBSITE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Any content or information accessed through the Services is done at your own risk. Scotia Connect does not endorse, guarantee, or assume responsibility for any third-party content, products, services, or websites that may be linked to or referenced through our Services. The inclusion of any link does not imply endorsement by Scotia Connect.

Nothing in these disclaimers shall exclude or limit warranties that cannot be excluded or limited under applicable Canadian consumer protection legislation, including the Consumer Protection Act applicable in your province or territory.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW IN CANADA, SCOTIA CONNECT, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES;
• LOSS OF PROFITS, REVENUE, DATA, BUSINESS, OR GOODWILL;
• COST OF SUBSTITUTE GOODS OR SERVICES;
• DAMAGES ARISING FROM YOUR ACCESS TO, USE OF, OR INABILITY TO ACCESS OR USE THE SERVICES;
• DAMAGES ARISING FROM ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON OR THROUGH THE SERVICES;
• DAMAGES ARISING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA;
• ANY OTHER MATTER RELATING TO THE SERVICES.

THIS LIMITATION OF LIABILITY APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF SCOTIA CONNECT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN JURISDICTIONS WHERE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES IS NOT PERMITTED, SCOTIA CONNECT'S LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. IN SUCH CASES, SCOTIA CONNECT'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) ONE HUNDRED CANADIAN DOLLARS (CAD $100.00) OR (B) THE AMOUNT YOU PAID TO SCOTIA CONNECT IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

10. Indemnification

You agree to defend, indemnify, and hold harmless Scotia Connect and its officers, directors, employees, agents, affiliates, licensors, and service providers (collectively, the "Indemnified Parties") from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable legal fees and disbursements) arising out of or relating to:

• Your access to or use of the Services;
• Your violation of any provision of these Terms;
• Your violation of any applicable law, regulation, or third-party right, including any intellectual property right, privacy right, or contractual right;
• Any content, information, or materials you submit, post, transmit, or otherwise make available through the Services;
• Your fraudulent, negligent, or intentional misconduct;
• Any dispute between you and a third party arising in connection with the Services.

Scotia Connect reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate fully with Scotia Connect in asserting any available defenses. You shall not settle any claim or matter without the prior written consent of Scotia Connect.

11. Third-Party Links and Services

The Services may contain links to third-party websites, platforms, or resources that are not owned or controlled by Scotia Connect. These links are provided for your convenience and informational purposes only. Scotia Connect has no control over, and assumes no responsibility for, the content, privacy policies, practices, or terms of service of any third-party websites or services.

You acknowledge and agree that Scotia Connect shall not be responsible or liable, directly or indirectly, for any damage, loss, or harm caused or alleged to be caused by or in connection with your use of or reliance on any content, goods, or services available on or through any third-party websites or resources. We strongly encourage you to review the terms and privacy policies of any third-party websites you visit.

12. Governing Law and Jurisdiction

These Terms of Service and any dispute arising out of or in connection with these Terms or your use of the Services shall be governed by and construed in accordance with the laws of Canada and the applicable laws of the province or territory in which Scotia Connect operates, without giving effect to any choice of law or conflict of law provisions that would cause the application of laws of any other jurisdiction.

Subject to the dispute resolution provisions set out in Section 13, you agree that any legal action or proceeding arising out of or relating to these Terms or your use of the Services shall be instituted exclusively in the courts of competent jurisdiction in Canada. You hereby irrevocably submit to the personal jurisdiction of such courts and waive any objection to the laying of venue of any such proceeding in such courts.

Nothing in this section shall limit Scotia Connect's right to seek injunctive or other equitable relief in any court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of Scotia Connect's intellectual property rights or confidential information.

13. Dispute Resolution

Scotia Connect is committed to resolving disputes in a fair, efficient, and cost-effective manner. Before initiating any formal legal proceedings, you agree to follow the dispute resolution process set out in this Section.

13.1 Informal Resolution

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the Services, you agree to first contact Scotia Connect in writing at [email protected] to attempt to resolve the dispute informally. Scotia Connect will attempt to respond to your concern within thirty (30) calendar days of receiving your written notice. The parties agree to negotiate in good faith to reach a mutually acceptable resolution.

13.2 Mediation

If the dispute cannot be resolved through informal negotiation within sixty (60) days of written notice, either party may propose resolution through non-binding mediation conducted by a mutually agreed upon mediator or through a recognized mediation service in Canada. The costs of mediation shall be shared equally between the parties, unless otherwise agreed.

13.3 Arbitration

If mediation does not resolve the dispute, the parties agree that the dispute shall be finally resolved by binding arbitration in accordance with the applicable arbitration legislation in Canada. The arbitration shall be conducted in the English language. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

13.4 Exceptions

Notwithstanding the foregoing, either party may seek emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm pending the completion of dispute resolution proceedings. Nothing in this Section shall prevent Scotia Connect from pursuing collection of any amounts owed through appropriate legal channels.

14. Term and Termination

These Terms of Service shall remain in full force and effect for as long as you access or use the Services. Scotia Connect reserves the right to terminate or suspend your access to the Services at any time, with or without cause or notice, including but not limited to circumstances where:

• You have breached any provision of these Terms;
• Scotia Connect is required to do so by applicable law or regulatory authority;
• You engage in conduct that Scotia Connect, in its sole discretion, determines to be harmful, unlawful, or contrary to the interests of other users or the Company;
• You fail to pay any fees owed for paid Services;
• Scotia Connect ceases to provide the Services or any portion thereof.

Upon termination of your access to the Services:

• Your license to use the Services and any Content will immediately terminate;
• You must cease all use of the Services and delete any downloaded or cached Content;
• Provisions of these Terms that by their nature should survive termination shall continue in full force and effect, including but not limited to Sections 5 (Intellectual Property Rights), 8 (Disclaimers), 9 (Limitation of Liability), 10 (Indemnification), 12 (Governing Law), and 13 (Dispute Resolution).

You may also terminate your use of the Services at any time by ceasing to use the Website and, if applicable, by deleting your account. Termination of your account does not relieve you of any obligations incurred prior to termination.

15. Changes to These Terms

Scotia Connect reserves the right to modify, amend, or update these Terms of Service at any time in its sole discretion. Any changes will become effective upon posting of the revised Terms on the Website, with an updated "Last Updated" date. Where required by applicable Canadian law, or where changes are material, Scotia Connect will make reasonable efforts to notify users of significant changes by email, notification through the Website, or other appropriate means.

Your continued access to or use of the Services after the effective date of any changes to these Terms constitutes your acceptance of and agreement to the revised Terms. It is your responsibility to review these Terms periodically to stay informed of any updates. If you do not agree to the revised Terms, you must immediately discontinue your use of the Services.

In cases where changes to these Terms are made due to legal or regulatory requirements, such changes may take effect immediately without advance notice.

16. Severability

If any provision, clause, or portion of these Terms of Service is found by a court of competent jurisdiction or arbitrator to be invalid, illegal, unlawful, void, unenforceable, or in conflict with any applicable law or regulation, such provision shall be deemed modified to the minimum extent necessary to make it enforceable, or if it cannot be so modified, it shall be severed from these Terms.

The invalidity, illegality, or unenforceability of any particular provision shall not affect or impair the validity, legality, or enforceability of the remaining provisions of these Terms, which shall continue in full force and effect as if the invalid, illegal, or unenforceable provision had never been included. The parties agree to negotiate in good faith a valid, enforceable replacement provision that most closely reflects the original intent of the severed provision.

17. Entire Agreement and Waiver

These Terms of Service, together with our Privacy Policy and any other legal notices or agreements published by Scotia Connect on the Website, constitute the entire agreement between you and Scotia Connect with respect to your use of the Services and supersede all prior or contemporaneous agreements, understandings, representations, and warranties, whether written or oral, relating to the subject matter hereof.

No waiver by Scotia Connect of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure by Scotia Connect to assert a right or provision under these Terms shall not constitute a waiver of such right or provision. A waiver shall only be effective if it is in writing and signed by an authorized representative of Scotia Connect.

18. Force Majeure

Scotia Connect shall not be liable for any delay or failure to perform its obligations under these Terms arising from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, pandemics, epidemics, government actions or restrictions, war, terrorism, labor disputes, telecommunications failures, power outages, internet disruptions, cyber-attacks, or other unforeseen circumstances beyond Scotia Connect's reasonable control ("Force Majeure Events"). In the event of a Force Majeure Event, Scotia Connect's obligations under these Terms shall be suspended for the duration of the Force Majeure Event, and Scotia Connect shall use reasonable efforts to resume performance as soon as practicable.

19. Language

These Terms of Service have been drafted in the English language. To the extent permitted by applicable law, the English language version of these Terms shall govern in the event of any conflict or inconsistency with any translated version. In the Province of Quebec, the parties acknowledge the applicability of the Charter of the French Language and the availability of French language versions of applicable documents as required by law.

20. Electronic Communications and Consent

By using the Services and providing your contact information, you consent to receive electronic communications from Scotia Connect, including emails, notices, and other information in accordance with applicable Canadian law, including the Canadian Anti-Spam Legislation (CASL) (S.C. 2010, c. 23). You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirements that such communications be in writing.

You may withdraw your consent to receive commercial electronic messages at any time by using the unsubscribe mechanism provided in such messages or by contacting us at [email protected]. Please note that withdrawal of consent to receive commercial messages does not affect our ability to send you transactional or service-related communications necessary for the administration of your account or the Services.

21. Accessibility

Scotia Connect is committed to ensuring that its Services are accessible to all users, including persons with disabilities, in accordance with applicable Canadian accessibility standards, including the Accessibility for Ontarians with Disabilities Act (AODA) where applicable, and any other relevant provincial accessibility legislation. If you experience any difficulty accessing the Services or require accommodation, please contact us at [email protected] and we will endeavor to assist you.

22. Contact Information

If you have any questions, concerns, or inquiries regarding these Terms of Service, please contact Scotia Connect using the following information:

We will make every reasonable effort to respond to your inquiry in a timely manner. For matters relating to privacy or personal information, please refer to our Privacy Policy for the designated privacy contact information.