This Digital Banking Agreement (this Agreement) is an important document. It applies to your use of Digital Banking and your Credentials.
Please read this Agreement carefully. Read it before you use Digital Banking.
This Agreement is between you and The Toronto-Dominion Bank.
You should read this Agreement along with any other agreement you have with us. This includes agreements for your Accounts or any other product or service. We refer to these other agreements as the TD Agreements. This Agreement does not replace any of the terms and conditions in the TD Agreements.
In this Agreement:
We define some terms in this Agreement. To find where terms are defined, see Section 13: Glossary.
Section 1 Digital Banking and Services: What They Are and How to Access Them
Section 2 Additional Terms and Conditions for Some Services
Section 3 Credentials and Security
Section 4 Disclaimers and Liability for Losses or Damages
Section 5 Fees and Limits
Section 6 Communications and Notices
Section 7 Privacy
Section 8 Ownership
Section 9 Changes and Termination of this Agreement
Section 10 General Contractual Terms
Section 11 How to Contact Us
Section 12 How to Contact the Financial Consumer Agency of Canada (FCAC)
Section 13 Glossary
Digital Banking means:
These are the platforms you can use to access the Services.
TD Apps means:
Services means all the things that you can do using Digital Banking. For example, Services includes you transferring money out of your Accounts. Services include you viewing your Account information on Digital Banking. Some Services are offered by us. Some may be offered by a third party, such as the Interac® verification service.
Account means any of your present and future personal accounts with us that you can access on Digital Banking. For example, your:
You use your Credentials to login to Digital Banking. Some Devices restrict what you can view on Digital Banking. If you have such a Device, you may not be able to use all the Services. Some Services may only be available through EasyWeb or a TD App, but not both.
Your Device means any electronic device that:
Some examples are computers, mobile phones, wearables, tablets, and telephones.
If you have trouble accessing Digital Banking, you can contact us. Please see Section 11: How to Contact Us.
Yes. Other Terms are other terms or consents that apply to Digital Banking. We may display Other Terms on website pages or screens in Digital Banking. You must read these Other Terms. We might also ask you to agree to other terms that apply to Digital Banking in our branches or over the phone. If you use Digital Banking, these Other Terms also apply to your use of Digital Banking.
This Section tells you about the terms and conditions for the Services listed below. These terms and conditions are in addition to the rest of the terms and conditions in this Agreement.
Push Notifications are notices that we send to your Device from the TD Apps you have downloaded. These are not text messages or emails. Push Notifications can be about things like:
We may change the types of Push Notifications we make available.
The information in a Push Notification is only accurate at the time you receive it. It may not reflect pending transactions. It may not reflect the final amount of a transaction. Here's an example. We may post a security deposit for a car rental to your Account. We may then send you a Push Notification. After that, we may release or adjust this posting when the rental company releases the security deposit.
When will you receive Push Notifications and how can they be seen?
You can choose if you want to receive Push Notifications. You can turn Push Notifications on or off in the applicable TD App or the operating system of your Device. You may also be able to customize the type of Push Notifications you want to receive.
Push Notifications show up on the screen of your Device. They can be seen without any need for you to enter your Credentials or unlock your Device. This means that anyone who has or can see your Device can see them. If you turn on Push Notifications, you are responsible for the privacy of the information displayed. It is important to take care when using your Device. We are not responsible for any losses that may result from the disclosure of information in Push Notifications.
Can you use Push Notifications to verify your Account?
No. Push Notifications are not an official record. You must still review your Account statements or Account activity to verify your Account as required by your TD Agreements. You must not rely on information from Push Notifications to do so.
You must call us right away if you receive a Push Notification about a transaction that you don't recognize. Please see Section 11: How to Contact Us.
What is Location Sharing?
We use Location Sharing to identify the physical location of the Device you use for Digital Banking. This helps us do things like:
When will we use Location Sharing?
You can choose if you want to turn on Location Sharing. You don't have to. We won’t turn it on without your consent.
You can adjust the settings in the operating system of your Device to turn Location Sharing on or off. You can also choose how often you want to allow Location Sharing, such as:
If you choose to have it always on, we may use your Location Sharing information when you are not using the TD app.
Location Sharing operates in the background on your Device. If you turn on Location Sharing, you consent to share the physical location of the Device you use for Digital Banking.
This Section applies when you use TD Mobile Deposit. This Service allows you to capture an Image of a Payment Instrument. You can then deposit the Payment Instrument to one of your eligible Accounts. We treat Payment Instruments deposited this way as though you made the deposit at an ATM or in our branches.
We are a member of Payments Canada. We follow Payments Canada rules for clearing and settling Payment Instruments in Canada. These rules allow us to exchange instruments electronically by using Images.
Image means digital images of the front and back of the original Payment Instrument.
Payment Instruments that are eligible for TD Mobile Deposit include:
Payment Instruments must be issued by, drawn on or payable through a Canadian financial institution.
What requirements apply to an Image?
When you capture an Image through TD Mobile Deposit, you must:
You agree that each Image you create using Digital Banking:
We call these the Image Requirements.
What requirements apply to Payment Instruments?
Each Payment Instrument you deposit through TD Mobile Deposit must:
You must not deposit a Payment Instrument if you know or suspect:
We call these the Payment Instrument Requirements.
What must you do and not do when using TD Mobile Deposit?
You must meet the Image Requirements and Payment Instrument Requirements.
You can't permit anyone else to deposit Payment Instruments into your Account. You are responsible for all deposits made to your Account.
After you successfully deposit a Payment Instrument you must:
You must cooperate with us if we investigate any Payment Instrument. You must give us any documents we ask for. We may ask for originals or copies of Payment Instruments. You will give them to us if you still have them. We may ask for any records you have that are related to our investigation.
Can we reject or return an Image or Payment Instrument?
Yes. We don’t unconditionally accept an Image or Payment Instrument for deposit when you submit it.
We may reject or return any Image for any reason. For example, if it does not meet the Image Requirements. We are not responsible for any failure or delay in the processing of the Image.
If we accept an Image, we may still reject any Payment Instrument. For example, if it does not meet the Payment Instrument Requirements.
If we don’t accept your Payment Instrument you may need to get a replacement. You will need to get it from the person who issued the Payment Instrument. If you do, you are responsible for any related costs.
If you can't use TD Mobile Deposit, you will need to find a different way to make your deposit. For example, at an ATM or in our branches.
What is our liability for losses or damages relating to TD Mobile Deposit?
We are not liable for any losses or damages except for direct damages caused by our fraudulent or negligent conduct. For example, we are not liable for losses or damages resulting from:
When will your funds be available to you when you use TD Mobile Deposit?
Your funds may not be available to you right away.
By using TD Mobile Deposit, you agree to the hold periods set out in our About Our Accounts And Related Services document. This is available online at td.com and in our branches.
This Section applies to your use of TD MySpend. TD MySpend is a money management tool.
What is TD MySpend?
With TD MySpend, we collect and analyze data to help you track your spending and savings. We do this for each of your Accounts that we consider eligible for TD MySpend.
Accounts that are eligible include your Canadian dollar chequing, savings, and credit card Accounts. We may expand the types of Accounts that are eligible. When you open new eligible Accounts, they will be included in TD MySpend. You don't need to do anything to add them.
You can access and use some of the features of TD MySpend in the TD app. You can access and use more features of TD MySpend in the TD MySpend app.
Will you receive Push Notifications from the TD MySpend app?
You can choose if you want to receive Push Notifications. You don’t have to. You can still use TD MySpend if you don't. For more information, see Section 2.1: Push Notifications.
Push Notifications can help you monitor your spending, savings and deposits. For example, we may send you Push Notifications when you make transfers or purchases, or receive a deposit.
Can you choose how you use TD MySpend?
Yes. There are preference settings in the TD MySpend app. You can use these preference settings to make choices. For example, you can disable the display of any of your MySpend Accounts. If you disable a MySpend Account, we will continue to collect and analyze transaction data from the disabled MySpend Account. You just won’t see that MySpend Account displayed.
Can joint Account holders and additional cardholders use TD MySpend?
Yes. Here’s who can use TD MySpend.
|Type of MySpend Account||Who can use TD MySpend and receive Push Notifications||What happens when one person disables an Account in TD MySpend?|
|TD joint chequing and savings Accounts||Each joint Account holder||Others can continue to use TD MySpend for the disabled Account|
|TD credit card Account||The primary cardholder and each additional cardholder|
You may contact us to remove a person from an Account. You may contact us to remove an additional cardholder. Until the change takes effect, the person you ask us to remove will be able to view the Account in TD MySpend.
Can you use TD MySpend to review your Account activity?
No. TD MySpend is not an official record. You must review your Account statements or Account activity to verify your Account as required by your TD Agreements. You must not rely on information from TD MySpend to do so.
This Section applies to your use of our Clari chatbot (Clari).
What kind of questions can you ask Clari?
Clari is our helpful chatbot. You can find Clari in the TD app. Clari won't be able to answer every question you ask it. However, you can ask Clari things like:
To answer questions about your Accounts and spending, Clari collects and analyzes your transaction data from each of your eligible Accounts. For example, your Canadian dollar chequing or savings accounts. We may expand the types of Accounts that are eligible. When you open new eligible Accounts, Clari will be able to answer questions about them. You don't need to do anything to add them.
You can stop using Clari at any time. Clari won’t collect and analyze transaction data from your eligible Accounts when you don’t ask Clari any questions.
Clari uses information about your Account to answer you. Clari doesn’t use any other personal information to answer you. You must not tell Clari any of your personal information.
We may monitor or record your discussions with Clari. We do this for various purposes. These include:
Is the information provided by Clari accurate?
Yes. However, the responses from Clari are accurate only at the time Clari responds to you. If you ask Clari about your Accounts, the response may not reflect pending transactions. The response may not always reflect the final amount of a transaction. Here's an example. We may post a security deposit for a car rental to your Account. After that, we may release or adjust this posting when the rental company releases the security deposit.
Can joint Account holders and additional cardholders use Clari?
Yes. Here’s who can use Clari.
|Type of eligible Account||Who can use Clari||What happens when one person disables an Account in Clari?|
|TD joint chequing and savings Accounts||Each joint Account holder||No impact on ability of others to use Clari and receive information about that Account|
|TD credit card Account||The primary cardholder and each additional cardholder|
You may contact us to remove a person from an Account. You may contact us to remove an additional cardholder. Until the change takes effect, the person you ask us to remove will be able to receive information from Clari about that Account.
Can you use Clari to monitor your Account activity?
No. Clari is not an official record. You must review your Account statements or Account activity to verify your Account as required by your TD Agreements. You must not rely on information from Clari to do so.
This Section applies to your use of TD for Me.
What is TD for Me?
TD for Me shares information and offers that we believe may interest you. TD for Me can share these with you either in the TD app, by Push Notification, or both. We share information such as:
You must not let anyone else accept offers you receive from TD for Me. You are responsible for all use of TD for Me on your Device.
Will you receive Push Notifications from TD for Me?
You can choose if you want to receive Push Notifications. You don’t have to. You can still use TD for Me if you don't. For more information, see Section 2.1: Push Notifications.
If you choose to receive Push Notifications, we can send you more personalized information and offers.
You can set preferences for what types of information or offers you want to receive.
How does TD for Me use Location Sharing?
You can enable your Device to allow us to see its location. We do this to determine if you are near a place where we want to let you know about an offer, event, or other information that we believe may interest you. You don’t have to. You can still use TD for Me if you don't. For more information, see Section 2.2: Location Sharing.
If you do turn it on, TD for Me will send you more personalized information and offers based on your location.
This Section applies when you use the Interac e-Transfer Service. In this Section we call transfers made this way e-Transfer transactions. e-Transfer transactions allow you to:
e-Transfer transactions must be in Canadian funds. They can only be done to and from eligible accounts at participating Canadian financial institutions.
For more information about sending, receiving and requesting money and, where possible, cancelling or stopping an e-Transfer transaction, see:
What is Autodeposit?
Autodeposit is a feature of the Interac e-Transfer Service. A recipient can register for this service. Once registered, money sent to that recipient will be deposited into the recipient's account. The recipient won't need to answer a security question.
When is a security question needed to send or receive money?
A security question is not needed to send or receive money in these two situations:
In all other cases, a security question is needed to send or receive money.
How do you create a secure security question?
Make sure the security question is one where only you and the recipient know the answer. The security question must not be a question where others know the answer or can look it up. For example, a question about who won a sports tournament. It must not be a question that has a limited number of answers. For example, where the answer is a day of the week.
Who will we pay the e-Transfer transaction to?
If the recipient has activated Autodeposit or the sender sent the money using the recipient's bank account information:
The transfer is final. It can't be revoked.
In all other cases, we will pay the e-Transfer transaction as follows. We will pay it to anyone who claims it as the recipient and correctly answers the security question. This is the case whether or not that person is the person you intended to receive the e-Transfer transaction.
What are your security responsibilities when using the Interac e-Transfer Service?
What is your liability for losses or damages in connection with e-Transfer transactions?
See Section 4: Disclaimers and Liability for Losses or Damages for information about your liability.
In addition, some e-Transfer transactions that you receive may contain additional remittance details. These could be links to third party websites or content. Be mindful when clicking these links. You may incur losses or damages in connection with any additional remittance details received, accessed, or relied on by you. You are responsible for these losses or damages.
The Interac verification service helps verify your digital identity. To do this, it uses personal information that you consent to share from participating organizations, like your financial institution. It shares that information with service providers you want to transact with. To learn more about how it works, visit: https://www.interac.ca/en/verification-service/.
Why is it important to protect your Credentials in connection with the Interac verification service?
The Interac verification service uses your Credentials. You must protect your Credentials and Device. If you don't, this could result in unauthorized access or use of this Service. This could cause you losses or damages. You are liable for any such losses or damages.
Your Credentials are able to be used automatically for this Service. If you don't want this, ask us to disable them. Please see Section 11: How to Contact Us.
Are there any other terms and conditions for the Interac verification service?
Yes. Interac Corp. is a third party that provides this Service to you. Terms and conditions set by Interac Corp. will apply to the Service. Interac Corp. provides these terms and conditions. You must comply with those terms and conditions.
What is our liability for losses or damages resulting from unauthorized access to the Interac verification service?
We are only liable for your direct losses or damages if and to the extent such loss or damage is caused by our fraudulent or negligent conduct. We are not responsible for any losses or damages relating to:
You agree to not bring any claim against us relating to the use of, or inability to use, this Service. Please refer to your agreement with Interac Corp. for more information on the limits of Interac Corp.'s liability to you.
Can you make bill payments through Digital Banking?
Yes. You can make bill payments from some of your Accounts. Bill payments can be made to third party payees that accept these payments. Here's how it works. You provide us payment instructions. We then make payments based on your payment instructions. Bill payments can be initiated from your account immediately. They can also be scheduled for a future date to occur one-time or recurring. For example, set to occur weekly or monthly. We call any payment for a future date a Scheduled Payment.
You must make sure that all the information you give us is accurate and up to date. This includes your payment instructions and information on your bill profile. This includes:
Payments we make based on your payment instructions may be final and irrevocable. This means we may not be able to retrieve funds that we send. This may be the case even if you notify us that there was an error in your payment instructions.
Different bill payees have different payment requirements. You must know what these are. It is your responsibility to meet them.
Will we always be able to process your payment instructions?
No. We may not make a payment, including a Scheduled Payment, if, at the time we go to make the payment based on your payment instructions:
We will make the Scheduled Payment based on the payment instructions as of the date we go to make the Scheduled Payment. You may want to make changes to your original payment instructions, such as the bill payee account number. If you do, make sure you make those changes before the date of the Scheduled Payment.
When will we process the payment instructions you give us?
We typically process payment instructions you give to us on a Regular Weekday right away. We will then deliver the payment to the bill payee on the next Regular Weekday. If you give us payment instructions on a Statutory Holiday or on a weekend, we will process the payment instructions on the next Regular Weekday. We will then deliver the payment to the bill payee on the subsequent Regular Weekday.
We will process payment instructions on the date of the Scheduled Payment. We will then deliver the payment to the bill payee on the next Regular Weekday. If the date of the Scheduled Payment is a Statutory Holiday or on a weekend, we will process the payment instructions on the next Regular Weekday. We will then deliver the payment to the bill payee on the subsequent Regular Weekday.
Regular Weekday means any day from Monday to Friday from 12:00 a.m. (EST) until 11:59 p.m. (EST). This does not include Statutory Holidays.
Statutory Holiday means a statutory holiday that we observe. You can learn which statutory holidays we observe on our website.
Your bill payee needs time to process the payment. We are not responsible for the processing of any payment by your bill payee. This includes how long it takes your bill payee to process the payment.
You must leave enough time between the date the payment is due and:
You must pay any amounts charged by your bill payee. This includes any late fees and interest penalties. We are not liable for these charges.
Credentials means anything you can use to access Digital Banking. We use Credentials to identify you. Credentials include:
When you login with your Credentials to Digital Banking, you may also get access to other TD applications and services without requiring us to validate your identity again.
This Section applies when you use Biometrics to login to Digital Banking. Biometrics are ways to identify people based on their physical features. Some examples are electronic fingerprints and facial recognition.
You can choose to use Biometrics as a way for us to identify you. You must first enable Biometrics on your Device. You then turn on Biometrics in the TD app. This enables you to login to Digital Banking using Biometrics.
If you turn on Biometrics in the TD app, you must not store any other person's Biometrics on your Device. This is important because any Biometrics stored on your Device can be used to login to Digital Banking. This is the case even if the Biometrics are not your own.
You have security responsibilities when you turn on Biometrics in the TD app. You must:
We use Device-related information and other information when you use the TD Apps. To understand how, please see Section 7: Privacy.
You play the primary role in protecting your security when you use Digital Banking. This Section sets out your security responsibilities. You must fulfill all your security responsibilities. There could be consequences to you if you don't. Please see Section 4.2: When will we reimburse you for monetary losses to your Account?.
Your security responsibilities are described in this Section 3.3. They are:
Protecting your Device
Protecting your Credentials and Communications
unless you are required to disclose by law.
A TD employee won't ask for your Credentials unless you need to disclose your card number or username to identify yourself. You should call us if someone claiming to be a TD employee contacts you and asks you to disclose your Credentials.
Legal Representative means:
Your Credentials can be used to access other accounts or services you may have with us or with a third party. If you don’t keep your Credentials safe, you could suffer losses to these other accounts. You will be liable for these losses, subject to applicable law.
When you send money
When you send money, you must know who you are sending money to, and for what purpose. If you notify us that you sent money to someone you know or suspect may have engaged in fraud in order to induce you to send the money, we may try to retrieve that money. We may not be able to.
You have more security responsibilities if you turn on Biometrics in the TD app. These are set out in Section 3.2: What are Biometrics and how can you access and use them?.
Interac e-Transfer Service
You have more security responsibilities when using the Interac e-Transfer Service. These are set out in Section 2.7: What terms and conditions apply to your use of the Interac e-Transfer Service?.
Additional security responsibilities
From time to time, we may ask you to comply with additional security responsibilities. We may do this to protect your Account or Credentials. We may do this to prevent or resolve new security threats. We may make these requests in the course of an investigation or at other times. You must comply with these additional security responsibilities.
This Agreement, other TD Agreements and Other Terms
You must do everything else we ask you to in this Agreement. This includes anything related to protection of your information, Credentials, Accounts, and communications.
You must also meet all of your security responsibilities in other TD Agreements and Other Terms. This includes security responsibilities related to your:
You must notify us right away if you know or suspect that:
To notify us, call us. Please see Section 11: How to Contact Us to find the phone number.
When you notify us, we may block or restrict your access and use of Digital Banking. We may also block or restrict your Credentials or your Accounts. We will also decide whether you or we need to:
We provide Digital Banking for your use only. We make no express or implied warranties or representations of any kind. We and our agents don’t represent or warrant that Digital Banking and the Services will:
This Section does not affect any warranties that can't be waived, excluded or restricted under applicable law.
You are responsible for everything you or anyone else does using your Credentials. This includes all actions, transactions and activity on, and related to, your Account.
However, we will reimburse you for monetary losses to your Account directly resulting from a transaction that was done through Digital Banking where we complete an investigation and determine that all of these things are true:
We are not responsible for any losses or damages, including losses or damages resulting from:
There are exceptions to this limitation of liability. We may be liable for monetary losses to your Account:
Our liability is limited to monetary losses to your Account. This is the case even if we have been advised of the possibility that you may suffer other types of loss or damages.
No. We don't charge you any fees for using Digital Banking. However, we do charge for some transactions you make or things you do using Digital Banking. This is set out in:
You can find these documents in our branches and at td.com. We can change what we charge from time to time.
You may have to pay fees to others when you use Digital Banking. For example:
Yes. We may set dollar limits for Digital Banking. For example, the amount you can transfer in a day. Or the amount of funds you can deposit in a day. It is your responsibility to know your limits. You can find your limits through Digital Banking or by contacting us. Please see Section 11: How to Contact Us.
If you try to go over your limits, we may reject the transaction. If we allow you to go over your limits, we don't have to allow you to do so again.
We may change these limits at any time, without notice to you.
When may we communicate with you?
We may communicate with you about any matter. This includes matters relating to Digital Banking or this Agreement. This includes contacting you about suspected fraud or suspicious activity. We can do this at any time.
How may we communicate with you?
We can communicate with you by any method we choose. This includes when we send you any notices, changes to this Agreement, messages, alerts, or documents.
We may use electronic means such as:
We won't use those methods when the law requires us to communicate with you in another way.
What are your obligations when we communicate with you?
Make sure you read and save any communications we send to you. You should store them safely.
Contact us right away if you:
Please see Section 11: How to Contact Us.
What address will we use to communicate with you?
We will use the information we have on file for you.
You must update your profile or contact us right away if you have any changes to your:
Can you communicate with us using unsecure methods?
Don’t send us confidential or personal information in ways that are potentially unsecure. This includes your access card number or account numbers. Unencrypted communications such as texts, email, and faxes are unsecure. So is paper mail. If you need to tell us this kind of information, please call us.
If you do communicate with us using unsecure methods, we are not responsible if:
We may keep records of your activities in Digital Banking. Unless there is an obvious error, if there is a conflict between our records and your records, our records will be considered correct and binding.
We assume that instructions given using your Credentials come from you. We will rely on them. While we may try to verify that it was you who gave the instructions, we don't have to. We may also delay acting or refuse to act on those instructions.
We grant to you a license to access and use Digital Banking and the Services on a Device that you own or control. This license is limited, revocable, non-transferable, and non-exclusive. We can terminate this license at any time.
As between you and us, we have ownership of Digital Banking and the Services. We don't own Services provided by a third party.
You won't do any of these things with Digital Banking or any Service, and you won't try to:
We or a third party may impose any other obligations relating to your use of Digital Banking and the Services. You must comply with them. Third parties include the app store provider, your Device provider and your wireless carrier.
To use Digital Banking, you need to have:
We are not responsible for what you may need to use Digital Banking. This includes hardware, operating systems and software.
To use the TD Apps, you must download the version that is appropriate for your Device. You get the TD Apps from an app store provider. The app store provider and its affiliates:
Certain entities are third party beneficiaries to this Section. They are the app store provider and its affiliates, and the wireless carrier. This means they have rights under this Section against you.
Yes. We may decide to change, replace, add or remove any part of Digital Banking or any Service at any time. In that case, certain Services may no longer be available to you.
We may update parts or features of Digital Banking.
After we do, you may need to make changes to your Device. For example, you may need to update your Internet browsers or the operating system of your Device.
Yes. At any time, we may decide to change, replace, add or remove any Section of this Agreement. This includes:
If we make any of these changes, we will notify you in writing. We will notify you at least 30 days before the change is in effect. We will write the notice clearly and legibly. We may deliver this notice electronically or any other way we choose. The notice will provide you with the following details:
If you don’t want to accept the changes, you can choose to cancel this Agreement. You can cancel without cost, penalty or cancellation indemnity. To do so, you must notify us no later than 30 days after the change comes into effect. Use the contact information provided in Section 11: How To Contact Us.
Once you notify us, we will end your access to Digital Banking. You will no longer be able to use Digital Banking.
If you cancel this Agreement, you will still be responsible for all your obligations under:
At any time and for any reason, we may:
We don't have to notify you unless required by law. If we do any of these things, you will still be responsible for all your obligations under:
You may stop using Digital Banking at any time. You can uninstall the TD Apps at any time. If you have chosen to receive online statements or documents, you must change those settings to paper. You should do this before you stop using Digital Banking. You must review your Account statements or Account activity as required by your TD Agreements.
Some Services may continue even if you stop using Digital Banking. For example, if you have set up any Scheduled Payments. We will continue to make them unless you tell us not to.
If you want to end your access to Digital Banking, you need to notify us. Please see Section 11: How to Contact Us.
We don't charge any cost or penalty to end your access to Digital Banking.
If you end your access to Digital Banking, you will still be responsible for all your obligations under:
This Agreement is governed by applicable federal laws and the applicable laws of the province or territory in Canada where you reside. If you don't reside in Canada, applicable federal laws and the applicable laws of the Province of Ontario will govern.
If we ever disagree about anything in this Agreement and we have to go to court, it will be a court in the province or territory in Canada where you reside. If you don't reside in Canada, it will be an Ontario court.
No. This Agreement is in addition to TD Agreements and any Other Terms. This Agreement doesn’t change or replace them.
Yes, you may be able to. However, you might not be able to use or get the benefit of all aspects of Digital Banking.
All Sections of this Agreement will remain valid and unchanged. We also reserve our right to act on that breach or any similar breach at a later date. Any action or omission by us does not mean that we have waived or changed this Agreement.
A court may find any portion of a Section or this Agreement (or both) invalid or unenforceable. If they do, the remainder of the Section or this Agreement will remain valid.
This Agreement is binding upon and benefits:
It is the express wish of the parties that this Agreement and any directly or indirectly related documents be in English. Les parties ont exprimé la volonté expresse que cette convention et tous les documents s’y rattachant directement ou indirectement soient rédigés en anglais.
We are not responsible for any disputes you have with a merchant or a bill payee. If you have such a dispute, you must settle it directly with the merchant or bill payee. Examples of these problems include the following:
To contact us, use one of the following methods:
|In person||Visit one of our branches|
|EasyLine telephone banking||1-866-222-3456|
|You can mail us at any branch address or at the
P.O. Box 1
If you are unhappy with a product or service, there are many ways to raise a complaint. Please follow the process set out below.
For complaints related to TD Investment Services Inc., TD Waterhouse Canada Inc. and TD Waterhouse Private Investment Counsel Inc., see our brochure, Do You Have a Complaint?. You can access this brochure at any of our branches or online at td.com.
Step 1: Voice Your Complaints
To tell us about your complaint, please use the contact information provided below:
|In person||Visit one of our branches|
Step 2: Escalate Your Complaints - TD
If your complaint remains unresolved, either of the following actions can happen:
Step 3: Escalate Your Complaints - Senior Customer Complaints Office
If your complaint remains unresolved, you may contact the Senior Customer Complaints Office in any of the following ways:
|Contact Method||Senior Customer Complaints Office|
|Attn: Senior Customer Complaints Office
P.O. Box 1
Step 4: Escalate Your Complaints - External Ombudsman
If you complete Steps 1 - 3 and your complaint remains unresolved, then you can contact the external ombudsman in the following ways:
|Contact Method||External Ombudsman Information|
|Ombuds Office (ADRBO)
P.O. Box 1006
31 Adelaide Street East
Learn more about our complaint-handling procedures in our brochure, Do You Have a Complaint?. You can access this brochure at any of our branches or online at td.com.
You can contact the FCAC with a complaint about a potential violation of any of the following:
To do so, use the contact methods below:
|Contact Method||FCAC Information|
|Toll-Free Call||English: 1-866-461-3222
427 Laurier Avenue West
The FCAC does not become involved in matters of redress or compensation. The FCAC does not become involved in matters involving a product or service which are not subject to the consumer provisions of the Bank Act (Canada). To address these matters, follow the process described above in Section 11: How To Contact Us.
Here is where to find defined terms in this Agreement.
See Section 1.2 for Account.
See the Preamble for Agreement.
See Section 2.7 for Autodeposit.
See Section 2.5 for Clari.
See Section 3.1 for Credentials.
See Section 1.3 for Device.
See Section 1.1 for Digital Banking.
See Section 2.7 for e-Transfer transaction.
See Section 2.3 for Image.
See Section 2.3 for Image Requirements.
See Section 2.8 for Interac Corp.
See Section 2.7 for Interac e-Transfer Service.
See Section 3.3 for Legal Representative.
See Section 2.2 for Location Sharing.
See Section 1.4 for Other Terms.
See Section 2.3 for Payment Instrument.
See Section 2.3 for Payment Instrument Requirements.
See Section 2.1 for Push Notifications.
See Section 2.9 for Regular Weekday.
See Section 2.9 for Scheduled Payments.
See Section 3.1 for Security Codes.
See Section 1.2 for Services.
See Section 2.9 for Statutory Holiday.
See the Preamble for TD, we, our or us.
See the Preamble for TD Agreements.
See Section 1.1 for TD Apps.
See Section 2.6 for TD for Me.
See Section 2.3 for TD Mobile Deposit.
See Section 2.4 for TD MySpend.
See the Preamble for You, your or yourself.
Interac®, the Interac® logo, Interac e-Transfer® and Interac® verification service are trademarks of Interac Corp. Used under license.
® The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.