Conditions of use

Jurisdication

The site (“Site”) will be governed by and construed in accordance with the laws of the province of Quebec. All disputes, controversies, or claims arising out of or in connection with the Site shall be submitted to and be subject to the jurisdiction of the courts of the province of Quebec. Thus, in the event of any suit, action, or proceeding arising out of or in connection with this site, the courts of the province of Quebec will have exclusive jurisdiction.

Information from the Site is intended for use in Canada only, in provinces where Desjardins offers the School Caisse program.

1. Description of Site

The Site is intended for adults, except for the Kid zone, which is for children 6 to 13 years of age. It provides general information on the School Caisse, how it works and the advantages it offers the children and teachers who participate in the program. It also provides specific information about the participating schools and School Caisse activities. It lets you communicate with the participating caisse’s School Caisse representative and enrol a child for the School Caisse program or enter the various related contests.

You alone are responsible for paying the costs associated with use of the Site, such as Internet connection charges or fees charged for connecting to networks that provide access to Internet content. As well, you are responsible for acquiring any equipment needed for such connections.

2. User identification

You are not required to identify yourself when making use of the Site.

3. Protection of personal information

Desjardins is keenly aware of the need to protect your security and privacy, particularly in regard to any information you provide to Desjardins while making use of the service (“Service”).

Please refer to the site's Confidenciality Policy for details.

4. Protection of children

Desjardins is concerned about protecting children who use the Site.

We invite parents to monitor their children's Internet usage and to bear in mind that the services provided via the Desjardins site are designed to appeal to a broad audience. Therefore, as the legal guardians of their children, parents are responsible for determining which services may or may not be appropriate for their children and monitoring their use in this regard.

5. Restrictions on use of content

It is prohibited to reproduce by any means whatsoever the information, data, text, software, music, sounds, photos, images, videos, communications and other materials (collectively "Content") included with the Service.

More specifically, it is prohibited to:

forge headers or otherwise manipulate content transmitted through the Service
upload, post, email, transmit or otherwise make available any Content that contains computer viruses or other computer code, files or programs designed to interrupt, destroy or limit the functionality of any software, computer, application or telecommunications equipment (this list may include other elements without limitation)
interfere with, disrupt, or make abusive use of the Service, or servers or networks connected to the Service, or refuse to comply with any requirements, procedures, general regulations or regulatory provisions applicable to networks connected to the Service
infringe, whether intentionally or not, any existing national or international laws or regulations, or without limitation, any regulations adopted by the Quebec securities commission (CVMQ), the Montreal and Toronto stock exchanges, FTSE, NIKKEI, Dow Jones and Nasdaq, or any other rules or regulations with force of law
collect and store personal information relating to other users
sell, resell or operate on any commercial basis whatsoever any portion of the Service or any use of the Service or access privileges associated with the Service

6. Links to other websites

The Service or third parties may include links to other websites or other Internet sources. Since it has no control over these outside sites and sources, Desjardins is not responsible for their availability, nor can it assume any responsibility for the content, links, advertising, products, services or other materials made available by or through such external sites or sources. Furthermore, Desjardins is not liable for any loss or damage, caused or allegedly caused by, or arising in connection with, the use of or reliance on Content, products and services made available on these outside sites or sources.

Consequently, it is up to you to exercise discretion in your use of such Content. Likewise, you are responsible for assuming all inherent risks, particularly when you rely on the timeliness, usefulness or completeness of the content made available on or through the sites or sources referred to by the schoolcaisse.com website.

Links leading to software download sites are provided for your convenience; Desjardins is not liable for any difficulty arising from the download of any such software applications.

Links to other sites do not indicate that these outside sites endorse Desjardins or its products and services

7. Changes made to the Service

Desjardins reserves the right at any time to change, temporarily suspend or terminate the Site in whole or in part without informing you in advance. In no event will Desjardins be liable to you or to any third party for a modification, suspension or termination of the Site.

8. Desjardins and intellectual property

The Site and any software or applications used in connection with the Service ("Software and Applications") may contain confidential information protected by existing intellectual property laws or other legislation.

Content included on the site or in advertising and information made available to you as part of the Site, or presented by merchants in connection with the Sitee, are protected by the laws applicable to copyright, trademarks and patents and by any other rights set forth in existing legislation, and are the intellectual property of Desjardins, its licensors or the person recognized as the Content supplier.

The Site is protected by copyright legislation as a collective work or compilation as defined in Canadian and foreign laws.

Except as expressly authorized by Desjardins or by a merchant, it is strictly prohibited to:

copy, alter, rent, borrow, sell, distribute or create derivative works based in whole or in part on the Content, the Site or related Software and Applications
reverse engineer, disassemble or otherwise attempt to locate the source code (except as provided for by law) or to sell, assign, sub-license or transfer in any way the rights attached to the Software and Applications
modify the Content or the Software and Applications in any way or to use modified versions of the Software and Applications in order to gain unauthorized access to the Site or for other purposes not limited to this
access the Site by any means other than the interface provided to you by Desjardins for this purpose
use the site or its Content, in whole or in part, except as expressly fixed by these Terms of Use

9. Warranties

The Service is provided to you and is accessible to you based on its availability. Desjardins makes no warranties, either express or implied, including but not limited to warranties as to the quality of the Site or its fitness for a particular purpose, or as to the non-infringement of the Site's Terms of Use by users.

Desjardins does not warrant that:

defects in the Software and Applications, if any, will be rectified
you alone will be responsible for any damage sustained by your computer or any loss of data that may result when downloading material
no advice or information, whether oral or written, obtained by you from Desjardins or in the course of using the Service may be construed as creating any warranty not expressly stipulated in the site's Terms of Use

10. Copyrights and trademarks

All information on this website is protected by copyright. Users may only copy its contents for their own personal use. No one may redistribute, reproduce, republish, store in any medium, retransmit, or modify the information on this website for commercial purposes without the written authorization of Desjardins, or make public use thereof without crediting the source.

All trademarks and logos (including certain names, words, titles, drawings, illustrations and icons) appearing on the site are trademarks or registered trademarks of Desjardins or third parties. Any use of these trademarks is strictly forbidden without the owner's written authorization. Any unauthorized downloading, retransmission, or other copying or modification of trademarks and/or site content may be a violation of federal or other laws applying to trademarks and/or copyrights and could subject the copier to legal action.

11. Miscellaneous

The Service Terms of Use represent the entire agreement between Desjardins and you with regard to use of the Service and they supersede any prior agreement between you and Desjardins concerning use of the Site. You may also be subject to additional Terms of Use specific to certain services, third party content and third party software that will be disclosed to you once you access such services, content or software. The failure by Desjardins to exercise any rights conferred upon it by virtue of the Terms of Use in no way constitutes a waiver of such rights. Should any provision of these Terms of Use be judged to be invalid by the decision of a court, all other provisions will remain in effect and continue to apply. The section titles in the Terms of Use are provided for information purposes only and have no legal effect.

Conditions of use

We, Fédération des caisses Desjardins du Québec, the Desjardins caisses in Quebec and Caisse Desjardins Ontario Credit Union Inc., developed the School Caisse mobile application (the "app") to help you and your children learn about financial literacy. Children enrolled in the School Caisse program can use the app to view information about their account. Parents and legal guardians can also use it to view information about their accounts or their children's accounts.

You agree to comply with each of these terms as soon as you use the app for the first time. Please read them carefully.

If you don't agree with one or more terms outlined here, please refrain from downloading and using the app.

User eligibility

Age and parental authorization

The School Caisse app was developed for financial education purposes. It's designed for children of all ages, although the secure section is exclusively reserved for members of the School Caisse program. Either way, kids need the authorization of a parent or guardian in order to use the School Caisse app.

The safety of children who use this app is important to us. Parents are encouraged to become familiar with the app and decide whether or not it's appropriate for their children. They're also responsible for monitoring their child's use of it. Once a parent or guardian decides to let their child use the app, we encourage them to use it with them so that they can take part in the learning journey.

Geographical limitations

You must live in Canada to download the app. That said, you can use it anywhere in the world.

User responsibility

Let us know right away if you experience any problems
Please let us know immediately if you think someone has accessed the secure section of the app without your permission or believe they might be able to. For example, let us know if someone has your login credentials. We can help you find a way to resolve the issue.

Respecting your agreements with us
In addition to the terms of use, you must always respect the rules that govern your School Caisse account.

If you fail to respect either agreement, we can limit or suspend your access to the School Caisse app on a temporary or permanent basis.

Our rights

Amendments to the services available through the app
We're always working to improve our services. We can change the services we offer through the app at any time by adding or removing features. Any new service we release is also subject to the same conditions.

We reserve the right to change or interrupt our services without prior notice. We're not responsible to you or any third party for any changes, suspensions or interruptions to our service.

Amendments to the terms of use
We can amend the terms of the app by adding, removing or changing their content.

We'll inform you of any changes directly in the app, usually via notifications alerting you to the change, or by any other means.

You are deemed to have accepted any changes as soon as you use the app after the changes have come into effect. If you don't accept the changes, please stop opening and using the app.

Limits to what you can do on the School Caisse app
If we have reasons to believe that your use of the School Caisse app is a risk to you, to us or any other person, we reserve the right to restrict or prohibit your access to the app, at our sole discretion, at all times and without prior notice.

Correcting information we're responsible for
We reserve the right to verify the amounts you enter or correct a transaction if we notice that we made a mistake when entering information. For example, if funds were deposited into your account by mistake, we may remove these funds and deposit them into the correct account.

Please contact us if you notice any errors.

Personal information protection

About your personal information
We care about your privacy, especially any personal information you might disclose while using the app.

To better serve you and respect our legal obligations, we're required to collect, use and share certain personal information. To learn more, please refer to our Privacy Policy.

Fingerprint and facial recognition unlock
Fingerprint and facial recognition unlock is optional. We don't have access to your biometric information in any way whatsoever.

Adding your fingerprints and/or face to your device is subject to the terms and conditions established by entities other than Desjardins Group (such as the device manufacturer). We don't have any control over these terms, which you're required to accept in order to use the app.

For more information, please review the Fingerprint and facial recognition unlock section of the terms of use.

App contents: Ownership and use

Restrictions applying to the app and its content
App users may not reproduce, redistribute or transmit its content, including information, data, texts, software, music, sounds, photographs, images, videos, messages and any other material included in the app via any procedure whatsoever, without our permission.

All users are prohibited from doing the following without our express authorization:

Copying, altering, renting, borrowing, selling, distributing or creating works that are based, in whole or in part, on the app's content or software used in connection with the app
Reverse engineering, disassembling or attempting to find the source code in any other way, and selling, assigning, sublicensing or transferring any right to the app or software used in connection with the app in any way whatsoever
Altering the content of the app or software used in connection with the app, or using altered versions of the app or software for purposes including but not limited to gaining unauthorized access to the app
Accessing the app through means other than the interface provided by Desjardins Financial Group for this purpose
Using the app or its content, in whole or in part, for any purpose other than expressly stated in these terms of use

Users are also prohibited from doing the following while using the app:

Uploading, emailing or transmitting content that contains computer viruses or other code, files or programs designed to interrupt, destroy or limit the functionality of any software, computer, application or telecommunications equipment
Interfering with, disrupting, or making abusive use of the app, servers or networks connected to the app, or refusing to comply with any requirements, procedures, general regulations or regulatory provisions applicable to networks connected to the app
Violating, intentionally or unintentionally, any national or international law or regulation in effect
Collecting and storing personal information related to other users
Selling, reselling or operating, on any commercial basis whatsoever, any portion of the app, any use of the app or access to the app

Desjardins's intellectual property rights
The app and all software used in connection with the app, along with the app's content or advertising and information, are protected by copyright, trademark, patent and other intellectual property right laws in effect. They could contain confidential information and are the property of the Fédération des caisses Desjardins du Québec, its licensors or the person recognized as the content or software provider.

Trademarks
The Desjardins® trademark and other trademarks associated with the School Caisse are trademarks of the Fédération des caisses Desjardins du Québec. All other trademarks and logos (including certain names, words, titles, designs, graphics and icons) appearing within in the app are trademarks of Desjardins or a third party.

Links to other websites and third-party content

The app or third parties may include links to other websites or sources on the web. We're not responsible for their availability, nor can we assume any responsibility for the content, links, advertising, products, services or other materials made available by or through such external sites or sources. We're not responsible for any proven or alleged damage or loss resulting from or in connection with using the app or trusting its content or any of the goods and services available via external sites or sources.

That means it's up to you to exercise discretion in your use of such content. Likewise, you're responsible for assuming all inherent risks, particularly when you rely on the timeliness, usefulness or completeness of the content made available on or via the sites or sources proposed by the app.

Links to sites offering downloadable software are provided for your convenience only and we can't be held responsible for any issues with downloading such software.

You may also be subject to additional terms of use specific to certain services, third-party content and third-party software. You will be notified of these terms when you access the app, content or software.

Financial losses and damages for which we're not responsible

We're committed to giving you great service and meeting your needs, even when the unexpected happens. However, the situations listed in this section are beyond our control.

We're not responsible for any financial loss or other damage you may incur. Moreover, we may entrust some transactions to external suppliers, and you must also agree not to hold them responsible.

If you don't meet your responsibilities
We're not responsible for any financial losses or any other damage that you may incur if you fail to meet any of your responsibilities outlined in the User responsibility section.

If you incur losses associated with your use of the School Caisse app
The School Caisse app lets you access tools and services for the purposes of financial education. For example, it presents tips to help you master sound money management practices.

You're responsible for deciding whether these resources and services are useful to you. The suggestions and information provided in these resources don't necessarily take into account your individual situation, financial needs or the terms of the agreements you've signed. You're free to consider or ignore these suggestions and information.

We're not responsible for any financial losses or other damages you might incur as a result of using the School Caisse app.

If our systems are unavailable or aren't working properly
We work hard to provide systems and platforms that are reliable and effective.

However, we can't guarantee that the app will be available, accessible and fully functional at all times, with no interruptions. We're not responsible for any financial losses or other damage you might incur as a result.

Limits and liability

To the fullest extent possible pursuant to applicable law, under no circumstances shall we be held liable for any direct or indirect damages, including but not limited to loss of profits, data or other intangible assets, even if we've been advised of the possibility of such damages, that may arise from:

The use or inability to use the app
The accuracy of all or part of the information transmitted via the app
Any action, inaction or investment decision based on the app or its content
Any unauthorized access to the app by a user or following changes to your submission or database
A third party's conduct while using the app
The loss or theft of a user's computer, mobile device or smartwatch

Use of the app depends on its availability. Desjardins disclaims any warranty, express or implied, including but not limited to, warranties related the app's quality and compatibility for a particular purpose and users' compliance with the app's terms of use.

We don't offer any guarantee that:

a. Access to the app will be uninterrupted, timely, stable or free of errors
b. The results obtained while using the app will be reliable and accurate
c. The quality of any product, service, information or other material purchased or obtained through the app will meet your expectations
d. Issues with the software and applications, if any, will be fixed

You are solely responsible for any damage to your computer or the loss of any data resulting from any download.

No advice or information, whether written or spoken, you get from using the app shall be construed as creating any warranty other than what is expressly stipulated in these terms of use.

Exclusive jurisdiction for disputes

This app is subject to and governed by the laws of the province of Quebec. Any disputes or claims related to the app or its use will be subject to the exclusive jurisdiction of the courts of the Province of Quebec.

If you're not satisfied or disagree with a decision

Please reach out to us if you have any problems using the School Caisse app.

If you disagree with a decision or aren't satisfied with our explanations, you can always contact us.We'll let you know what procedures you can use to resolve the dispute. To learn more, contact the caisse, credit union or subsidiary directly, or call 1-800-224-7737.