BUSINESS CARDHOLDER AGREEMENT FOR A PREPAID CARD
AGREEMENT FOR DCBANK PREPAID CARD
1. DEFINITIONS
The terms below have the following meanings when used in this Agreement:
Agreement: this cardholder agreement for Cards and the Card Program between DCBank and the Business Cardholder, the Privacy Code, and any amendments, replacements or updates we may provide from time to time.
Approved Retailer: any retailers offering automobile repair services, fuel or fuel-related services, including affiliated service stations, convenience stores, or car washes approved by you and us for purchases using the Card.
Authorized Administrator: any designated person authorized by Business Cardholder to administer the Wallet and associated Card Account(s), including without limitation designating Card Users, funding Card Accounts, and setting Card Account limitations.
Balance: an amount of funds that are loaded onto a Card, if any.
Business Wallet: the virtual wallet which is associated with Cards issued under this Agreement and includes the record of debits and credits with respect to transactions originated by a Card User and any other transactions.
Business Cardholder: the entity that has qualified for and established a Wallet and one or more Card Account(s). The Business Cardholder
Card: a prepaid card issued by DCBank, or any replacement card, which allows you to access funds loaded on the Card Account and which may also provide you with access to certain products and services including, among other things, Third-Party Services, and which you may permit a Card User to use to pay for transactions at an Approved Retailer. The term "Card" also includes the temporary instant issue card that may be provided to you until you receive a permanent Card.
Card Account: means a sub-wallet the Business Wallet and the records maintained by us for each Card associated with the Business Wallet that is requested by the Business Cardholder or any Authorized Administrator.
Card Program: the program through which we issue one or more Cards to the Business Cardholder for use by you, your Authorized Administrator or Card Users to assist the Business Cardholder in managing corporate expenses.
Card User: any person or entity that is provided with a Card by or at the request of the Business Cardholder or any Authorized Administrator for use or to make payments through the Card Program, or who is otherwise authorized by the Business Cardholder or any Authorized Administrator to use a Card to purchase goods or services at Approved Retailers.
Card User Terms and Conditions: the terms and conditions governing the use of a Card by a Card User, between the Card User and DCBank.
Customer Service Representative: a customer service representative, available to you through the Customer Service number listed on the first page of the Agreement.
DCBank: Digital Commerce Bank.
Funds Available: the amount of funds that have been successfully loaded from the Business Wallet to a Card Account, up to the Funds Available Limit (as described in the Limits Table), less the total amount of: (i) all purchases (including any amounts relating to pending or preauthorized transactions); (ii) any holds placed on funds that have been loaded; (iii) any fees and other amounts that may be charged to a Card under the Agreement
loading: "loading" the Card Account is the process of adding funds or increasing the balance of funds that may be accessed on a Card from the Business Wallet
Head of an International Organization: (sometimes referred to as an HIO) is a person who is either (i) the head of an international organization established by the governments of states; or (ii) the head of an institution established by an international organization. An international organization is an organization set up by the governments of more than one country. If an organization was established by means of a formally signed agreement between the governments of more than one country, then the head of that organization is a HIO. The existence of these organizations is recognized by law in their member countries, but the organizations are not seen to be resident organizations of any one-member country.
Politically Exposed Canadian Person: a PEP (sometimes referred to as a Domestic PEP) in/from/related to Canada.
Politically Exposed Foreign Person: a PEP (sometimes referred to as a PEFP) in/from/related to a country outside of Canada.
Politically Exposed Person: (sometimes referred to as a PEP) is (A) any person who holds or has ever held one of the following offices or positions in or on behalf of a country: (1) a head of state or government, (2) a member of the executive council of government or member of a legislature, (3) a deputy minister (or equivalent), (4) an ambassador or an ambassador's attaché or counsellor, (5) a military general (or higher rank), (6) a president of a state owned company of bank, (7) a head of a government agency, (8) a judge, or (9) a leader or president of a political party in a legislature; or (B) any of the following family members of an individual described in (A)(1)-(9): (i) mother, (ii) father,
(iii) spouse, (iv) common law partner, (v) spouse's or common law partner's mother or father, (vi) brother, (vii) sister,
(viii) half- brother, or (ix) half-sister, (in all cases regardless of citizenship, residence status, or birth place).
PIN: Personal Identification Number.
POS Transaction: a transaction where you access any Funds Available that have been loaded as a Balance to purchase goods and services wherever a Card is accepted by a merchant or business.
Privacy Code: the DCBank privacy code, which may be updated from time to time.
transaction: any transaction that is associated with a Wallet or Card including, but not limited to, any POS Transaction
we, us, our, and DCBank: DCBank or its agents.
Website: the Website which is listed on the first page of this Agreement, which you may access for details on the transactions you made on your Card or to obtain a copy of the Agreement.
You, your and yours: the Business Cardholder.
2. ACCEPTANCE AND AGREEMENT TO TERMS AND CONDITIONS
2.1 The Agreement is between you and DCBank and governs the Card Program and the use of a Card. You should keep a copy of this Agreement with your important records. The Agreement shall come into effect on the date that is the earlier of (i) the date that we issue you any Card, (ii) the date that any Card is activated by a Card User or (iii) the date of any Card's first use.
2.2 You agree to, and shall ensure the Authorized Administrator and each Card User is made aware of, the terms and conditions that apply to participation in the Card Program and use of a Card under this Agreement and any amendments to the terms of this Agreement that may affect a Card User’s rights or obligations with respect to a Card. You shall ensure that the Authorized Administrator and each Card User complies with this Agreement, and you shall ensure that each Card User has been provided with a copy of and agrees to the Card User Terms and Conditions in a form provided by or approved by DCBank, and agree that you will comply with all requirements of applicable law when obtaining agreement to such terms and conditions from Card Users.
2.3 You will receive Cards issued by DCBank. You must, and must ensure that Card Users, immediately, and before using a Card, sign the back of the Card. By signing this Agreement, loading a balance in the Business Wallet or Card Account, or by activating or otherwise using a Card, you, as the Business Cardholder, acknowledge having (i) received and read the entire Agreement, (ii) accepted its terms and conditions, and (iii) agreed to the fees that are detailed herein.
2.4 You may receive a temporary "instant issue" Card issued by DCBank. Subsequently you may receive (to the address you provided) a permanent Card with your name on it. Once you receive and activate the Card, your temporary Card will no longer be active. You may also have more than one permanent Card from time to time.
3. OWNERSHIP OF THE CARD
3.1 All Cards belong to us and you cannot transfer them, the Business Wallet or the Card Account(s) to anyone else without our consent. The Cards are for your business use and you must comply with the terms and conditions of this Agreement. You must return any Card issued under the Card Program immediately when we request it.
3.2 You are responsible for all transactions initiated by use of a Card(s) and for all losses as set out in Section 6. If you or a Card User permit someone else (other than a Card User) to use a Card, you agree that we may refuse to authorize any transactions initiated by such person with a Card. However, if we authorize transactions by another person, we may treat such person as authorized by you to use the Card and you authorize us to debit the amount of such transactions from the Funds Available.
4. USING THE CARD
4.1 The Card is a prepaid card, which means the Card Account associated with a Card must be loaded or preloaded with a certain amount of funds prior to a transaction made with a Card. Cards maintain a $0 balance and each Card is loaded with a Balance from the Card Account in real-time when the Card is presented for a transaction if there are sufficient funds in the Card Account for the transaction, subject to any limits and restrictions placed on the Card by us or the Business Cardholder.
4.2 The card is not a credit card. We will only honour transactions for an individual Card up to the amount of the Funds Available in the relevant Card Account. You must always make sure you have sufficient Balance on a Card to cover the transaction plus any pre-authorized amounts. The balance of the Business Wallet and the Card Account(s) can be obtained on the Website. [NTD: If this is not the case, how can the Business Cardholder determine the balances?]
4.3 Cards may only be used at any Approved Retailer, subject to the restrictions set out in this Agreement. Subject to the limitations in the Limits Table above, each Card can be used to pay the full transaction amount from Approved Retailers, including applicable taxes. Cards may not be used for cash withdrawals.
4.4 When a Card is used to make a purchase at an Approved Retailer, the transaction amount will be deducted from the Funds Available in the relevant Card Account and loaded as a Balance on the Card.
4.5 Except as provided in Section 5.3 below, the transaction will likely be declined if the Balance on a Card is not sufficient to complete the transaction, including any associated fees and taxes. You or the Card User can ask the merchant if they will accept a split tender transaction. This will enable you to use the amount up to the amount of the Balance and cover the difference with another form of payment. Merchants are not obliged to accept split tender transactions.
4.6 Certain merchants may place a hold on the Balance by way of a pre-authorized charge. This may happen when you pay for gas at the pump. A Card can be used in these situations, however, the amount of the Balance will be reduced by the amount of the hold and, as a result, will not be available to you until the merchant releases the hold.
4.7 Any funds which are loaded in the Business Wallet or a Card Account, or a Balance: (i) are not on deposit with DCBank;
(ii) do not establish a separate individual deposit account; (iii) do not earn interest; and (iv) are not insured deposits under the Canada Deposit Insurance Corporation Act.
4.8 You or a Card User may access the Balance on a Card to complete POS Transactions. When you use the Card, the amount of the purchase plus any applicable fees and taxes for the POS Transaction will be deducted from the Balance.
4.9 A Card will be valid and usable by a Card User until the Balance/Funds Available in the Card Account connected to such Card are depleted or until the expiry date associated with the Card. Notwithstanding the expiry date associated with any Card connected to the Program, your right to use the Funds Available that are loaded in the Business Wallet or a Card Account will not expire. When a Card expires, you can obtain another Card by calling a Customer Service Representative. In order to load the Business Wallet and any Card Account, you may otherwise visit the Website for additional options.
4.10 You must disable or delete a Card immediately upon request by us. We may, in our sole discretion, cancel or suspend any features or services of a Card at any time, with or without cause, upon notice to you or as otherwise required by applicable law.
4.11 You agree to comply with all laws and not to use or permit the use of a Card for any illegal transactions, including the purchase of goods or services forbidden or not available to minors.
4.12 You agree that: (a) you will not permit any Card User to use a Card unless: (i) the Card User is of the age of majority in the jurisdiction which they reside; and (ii) the Card User is a Canadian citizen or residing in Canada; (b) the information you provide about Card Users is or will be accurate, current, and complete, and we may rely upon it; and (c) you accept each Card for use in accordance with the terms of this Agreement, or use by Card Users in accordance with the requirements of this Agreement and the Card User Terms and Conditions.
5. FUNDS AVAILABLE
5.1 The Business Wallet may be associated with one or more Cards, however each Card Account shall only be associated with one Card. You may only load each Card Account and use a Card up to the amounts described in the Limits Table above. You acknowledge and agree that DCBank may from time to time and at any time, in its sole and absolute discretion, amend the maximum amounts and limits provided in the Limits Table for any given period, with or without notice to you.
5.2 The time before funds become available may vary.
5.3 A Card can only be used if the Funds Available in the related Card Account are sufficient to load the Card with a Balance to cover the transaction, including any associated fees and taxes. Otherwise, the transaction will in most cases be declined. However, if an authorization should occur for any amount over the amount of the Balance on the Card, due to an offline transaction or for any other reason, you acknowledge and agree that you are required to immediately repay us the amount that exceeds the Balance, regardless of how it was incurred. You further acknowledge and agree that we may deduct the funds from the Business Wallet. If the Balance on a Card is exceeded and you don't repay us the amount due plus any applicable fees within 30 days, you agree that we can share information about you and your use of the Card with consumer reporting agencies.
5.4 The Funds Available will decrease each time you load a Balance on a Card for a transaction, or any time one of the fees identified in Section 7 are deducted.
5.5 If a Card does not have a Balance and a Card User attempts three transactions while the Card has an insufficient Balance, we will disable the Card to prevent any further transactions until the Card has been loaded with a sufficient Balance.
5.6 You may obtain information about the Funds Available in the Business Account, each Card Account, and the Balance on each Card by calling a Customer Service Representative at the number listed on the first page of this Agreement. For details on the transactions made on a Card or to obtain a copy of the Agreement you can access the Website listed on the first page of this Agreement. To access the DCBank information you will need your user ID and password or other online authentication as allowed by DCBank from time to time.
5.7 It is your or a Card User’s responsibility to obtain a paper record of each POS Transaction for which you or the Card User uses the Card and ensure that it is accurate. DCBank is not responsible for providing you or a Card User with any transaction record or periodic statement. If you identify an error in any transaction record, you must address such error with the applicable merchant. Furthermore, you must notify a Customer Service Representative by contacting the number listed on the first page of this Agreement within 30 days after the receipt is issued on which the problem or error appeared, failing which DCBank will not have any responsibility to assist you to rectify the situation.
5.8 If you mistakenly receive cash or credit that belongs to DCBank, a merchant or other party, you agree to reimburse DCBank for any such error or allow DCBank to correct such error by adjusting the amount of the Funds Available.
6. YOUR RESPONSIBILITY FOR LOST, STOLEN OR MISUSED CARDS
6.1 You are solely responsible for the possession, use and control of each Card. You and Card Users must take reasonable care to safeguard the Cards and the associated PINs against loss, theft or misuse. You and Card Users must not allow any person other than you or a Card User to use a Card. If you or a Card User authorize or permit someone else to use the Card and/or PIN, you will be liable for all resulting transactions and any fees and losses incurred, even if the other person was a minor or did not comply with any limitations you placed on their use of the Card. You will be liable for all charges incurred in connection with the unauthorized use of the Card.
6.2 If you or a Card User loses a Card, someone might be able to use the Card to access Funds Available. A Card may be used without a PIN to make purchases. You are solely responsible for the care and control of the Cards and for maintaining and ensuring Card Users maintain the confidentiality of any associated PIN. A PIN can be safeguarded by:
a. Not voluntarily disclosing it to anyone, including friends or family members;
b. Keeping your PIN separate from the Card; and
c. Not choosing a PIN selected from easily accessible information such as your name, date of birth, telephone numbers, address or social insurance number.
6.3 You must notify a Customer Service Representative by telephone within twenty-four (24) hours if you learn of the loss, theft or misuse of the Card, or if you know or suspect that someone else knows a Card’s PIN.
6.4 If someone uses the Card without your authorization, you will not be held responsible if:
a. You and your Card User did not contribute to the unauthorized use.
b. You and your Card User used reasonable care to safeguard the Card and the PIN, and
c. You notified Customer Service Representative by telephone within twenty-four (24) hours after you learned of the loss, theft or misuse of the Card, or after you or your Card User suspected that someone else knows the PIN.
If you do not meet the above conditions, you will be responsible for all the charges incurred in connection with the unauthorized use.
6.5 You agree to cooperate and help with any investigation that we conduct regarding the unauthorized use you reported before we will consider reimbursing you for any losses. This cooperation may include filing a report with law enforcement authorities.
6.6 The toll-free number to call to notify a Customer Service Representative is listed on the first page of the Agreement.
7. FEES WE CHARGE
7.1 We do not charge fees for the use of a Card. You may be charged a third-party fee by certain third parties, including retailers and financial institutions involved in the Card transaction. Such third-party fees and charges are not within our power and control. Third-party fees are part of the cost of the transaction and will be reflected in transaction costs for Card usage. You agree and authorize us to pay such fees and charges, if any, from the Funds Available held in your Business Wallet.
8. CHANGES TO THIS AGREEMENT
8.1 A current copy of the Agreement can be obtained on the Website at any time. We may propose to change any of the terms of this Agreement, either permanently or temporarily (including any fee(s) or amounts to be paid by you or Card features) or replace this Agreement with another agreement, at any time. If we make a change to the Agreement, we will let you know by sending a notice to the most recent address we have for you at least 30 days in advance and by posting a notice on the Website at least 60 days in advance of the change.
8.2 We may make any other change to the Agreement in order to comply with any governmental, provincial, or federal laws or regulations governing the Card or for any other reasons we may see fit by posting a notice on the Website.
8.3 Any changes will become effective on the date shown on the notice.
8.4 You may refuse the amendment by terminating the Agreement in the manner provided in Section 10.4 without cost, penalty or cancellation fees by notifying us within thirty (30) days of the effective date of the change.
8.5 Use of a Card after the effective date of the change means that you agree to the changes, including any new or increased fees, schedules of service, or other terms. If you do not agree to any change of this Agreement, you agree to immediately stop (and cause Card Users to stop) using the Cards, return all of the Cards issued under the Card Program to us and notify us that you are terminating this Agreement. You are solely responsible for notifying Card Users of any changes to this Agreement which may affect a Card User’s rights or obligations with respect to a Card. You must update your contact information to reflect any changes in your mailing or e-mail address by calling the Customer Service Representative toll-free at the number listed on the first page of this Agreement.
9. FOREIGN CURRENCY TRANSACTIONS
9.1 The Card is in Canadian currency. Unless otherwise specified, all references to dollar amounts in the Agreement (without further description) mean Canadian dollars.
9.2 We convert transactions made in a foreign currency to Canadian dollars. If you or a Card User makes a purchase with a Card in a currency other than Canadian currency, you authorize us to convert the amount of such transaction to Canadian currency based on the rate charged by the card network (Visa) on the day we process the transaction.
9.3 We will also convert credits (e.g. refunds or returns) in a foreign currency to Canadian currency based on the rate charged by the network (Visa) on the day we process the credit.
9.4 Our refund exchange rate may not be the same as the rate that was in effect on the date the transaction was refunded. The difference between our purchase exchange rate and our refund exchange rate means that the amount credited to the Card for a refund of a foreign currency transaction will in most cases be less than the original amount charged to the Card for the transaction.
10. CANCELLATION
10.1 In provinces and territories other than Quebec, we may at any time, without notice, do any of the following:
a. cancel any Card connected to the Business Wallet or a Card Account;
b. cancel your or any of your Card Users’ rights and privileges related to a Card; or
c. require you or any of your Card Users to immediately return a Card to us.
10.2 In Quebec, even if you are not in default under this Agreement, we may terminate the Agreement at any time, upon 60 days written notice to you.
10.3 If we cancel a Card, withdraw your rights and privileges:
a. We may seize the Card;
b. You may not use the Card;
c. You must destroy the Card;
d. You must immediately repay any amount that exceeds the Card’s Balance/Funds Available in the Card Account and any applicable fees; and
e. You may pay the legal fees and expenses we incur to recover the amounts you owe us.
10.4 You may at any time terminate this Agreement and any Card by contacting us through the number listed on the first page of this Agreement and returning such Card(s) to DCBank or other authorized agent. Despite any termination of this Agreement, you must fulfill all of your obligations under this Agreement, and you remain responsible for any use of the Cards even after the Cards are terminated or expired.
11. ABOUT YOUR PERSONAL INFORMATION
11.1 Personal information is information that identifies you, your Authorized Administrators, or Card Users as individuals. It includes name and address, age and gender, personal financial records and identification numbers.
11.2 In the course of providing the Cards, we may collect and use your, your Authorized Administrator’s, and Card Users’ personal information to confirm your identity, provide Card services to you, provide notifications, and communicate with you by telephone or writing. We may also use such personal information to report to any governmental body or agency, a credit bureau or to a third-party collection agency, and to collect any amounts you owe us.
11.3 Except as required by law or for the purposes of this Agreement, we will protect the confidentiality of personal information and we will not disclose personal information without your consent. You may withdraw your consent to use any personal information at any time by notifying us in writing. In the event you refuse to consent to our use of the personal information, then we may no longer serve you and we may require you to return a Card or Cards to DCBank. Any such Cards will be cancelled and the balance of any Funds Available will returned to you subject to the requirements of this Agreement.
11.4 You represent and warrant that you, your Authorized Administrator and Card Users, have provided valid consent to the collection, use and disclosure of personal information as contemplated by this Agreement.
11.5 Calls to a Customer Service Representatives may be monitored and/or recorded for quality purposes.
11.6 We are committed to respecting the privacy of your information and we will not collect, use or disclose your information in a manner that is inconsistent with the Privacy Code available at www.dcbank.ca.
12. POLITICALLY EXPOSED PERSON
12.1 By agreeing to the terms and conditions of this Agreement, you certify to DCBank that you are not, and are not owned or controlled by a Politically Exposed Foreign Person, or Politically Exposed Canadian Person or Head of an International Organization and that you are applying for the Cards under the Card Program on your own behalf and not on behalf of any other person.
13. ELECTRONIC COMMUNICATIONS
13.1 If your consent is required by applicable law and you provide us with your consent, we may provide any information relating to a Card electronically, including over the internet, through online or mobile banking or to any email address that you have provided for this purpose.
13.2 If you have provided us with an email address or cellular phone number capable of receiving text/SMS messages, it means that you agree that we can send you messages by text/SMS messages. Information sent via text/SMS messages may contain personal information and that it is your responsibility to ensure that the numbers you provided are secure and under your control. If you would like to discontinue email or text/SMS messaging, you may do so by contacting us through the number listed on the first page of this Agreement. If the email addresses or cellular numbers you provided are invalid, cease to be active, or bounce back messages indicating the applicable email or phone account is not able to receive messages, we will have no obligation to try to contact you through other means to obtain a valid and operating email address or cellular number. Any cost incurred by you as a result of receiving email messages or text/SMS messages are your responsibility.
13.3 For legal purposes, documents that you have received electronically will be considered to be "in writing" and to have been signed and/or delivered by DCBank. We may rely upon and treat as duly executed and binding on you any electronically authenticated document that we receive from you or which appears to have been sent by you.
14. IF YOU HAVE A PROBLEM WITH A CARD
14.1 You agree that we will not be liable to you for any loss, damages or expenses whatsoever due to:
a. any of your instructions not being sufficiently clear;
b. any failure by you to provide correct information;
c. any failure due to events outside our reasonable control, including the failure, error, malfunction or technical problems related to systems or equipment;
d. any system failure or industrial dispute;
e. any problem you have with a merchant, including a merchant's refusal to accept our Card or to provide a good or a product;
f. any problem, failure, or any other matter relating to any third-party services;
g. the lack of suitability or quality of any goods or services purchased from retailers through the use of the Card;
h. our taking of any action required by any government under federal or provincial law or court order;
i. anything specifically excluded or limited elsewhere in this Agreement; or
j. any breach or violation of this Agreement by you.
14.2 Except in Quebec, we will not be liable for any claims whatsoever, including claims for personal injury, death, damage to property or economic loss, howsoever caused, arising from the use of a Card, negligence on our part, breach of contract or any other tort or cause of action at common law, in equity or by statute.
14.3 You agree that our aggregate liability to you in respect of all causes of action arising under this Agreement or in connection with the Cards shall be limited to the lesser of: (i) Card fees incurred in the previous twelve (12) month period or (ii) $2,500.00.
14.4 Except for any Business Cardholder residing and domiciled in the province of Quebec, with respect to any action or claim related, directly or indirectly, to a complaint or inquiry, you agree that joinder or consolidation of any action with the action or actions of any other persons is not permitted and you will not request and will oppose any such joinder or consolidation. Furthermore, you agree not to commence or participate in any class action either as a representative plaintiff or as a member of a plaintiff if the class action involves directly or indirectly any complaint or inquiry arising out of or related to this Agreement.
14.5 Information sent over the Internet may not be completely secure and the Internet and related online systems may not function at all times. Accordingly, we are not responsible for any loss or damages that you may incur if a third-party obtains access to your confidential information transmitted over the Internet or if you are temporarily unable to access your information pertaining to the Funds Available.
15. IF YOU HAVE A COMPLAINT
If you have a complaint or inquiry about any aspect of a Card, including loading the Business Wallet or the Funds Available, please call a Customer Service Representative toll-free at the number listed on the first page of this Agreement. You may also call a DCBank customer service representative at the DCBank Customer Service number listed on the first page of this Agreement.
If you have a complaint, we encourage you to let us know and give us the opportunity to resolve the issue. A copy of DCBank's complaint and dispute resolution procedure is available on the DCBank website and can be directly accessed here: https://www.dcbank.ca/legal/resolving-complaints/. We will do our best to resolve your complaint or inquiry.
All banks must comply with a variety of federal consumer laws that protect you. The Financial Consumer Agency of Canada ("FCAC") supervises all federally regulated financial institutions for compliance with federal consumer protection laws. The FCAC does not resolve individual customer complaints, but will determine whether we are in compliance. If you have a complaint about a potential violation of federal consumer protection laws, please contact us or you may contact the FCAC by mail at: 6th Floor, Enterprise Building 427 Laurier Avenue West, Ottawa, Ontario K1R 1B9, by phone at 1-866-461- 3222 for service in English or 1-866-461-2232 for service in French or online at www.fcac-acfc.gc.ca.
16. OTHER TERMS
16.1 Entire Agreement
This Agreement and the Card User Terms and Conditions sets out the entire agreement between the parties with respect to the services provided by DCBank for the use of the Cards. This Agreement replaces all prior agreements and understandings between the parties with respect to the Cards.
16.2 Severability
If any term of this Agreement is found by a court to be illegal or not enforceable, all other terms will still be in effect.
16.3 Assignments
The Cards, the Business Wallet, and the Card Accounts, and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement.
16.4 Governing Law
This Agreement will be governed by the laws of the province of Alberta and the applicable laws of Canada. The parties submit to the exclusive jurisdiction of the courts of Alberta in relation to any dispute arising out of this Agreement.
- End of Terms -