Terms of Service

MyAccount - Terms of Use

1. Definitions

“Account” means any account (i) managed by Canaccede International Management Ltd., which may be assigned to a third-party collection agency for collection, and/or (ii) owned by Canaccede Financial Group Ltd., Canaccede Credit LP, CFG Canada Funding, LLC or another affiliate of Canaccede Financial Group Ltd.

“Canaccede”, “we”, “us” and “our” means Canaccede International Management Ltd. or one of its affiliates.

“MyAccount” means the online Account service that can be accessed at https://myaccount.mycanaccede.com

“Portal Information” has the meaning in section 2 below.

“Service(s)” means MyAccount or any other service provided by Canaccede in relation to MyAccount.

“Statements” means any statements or receipts delivered to you for any Account with us.

“Terms of Use” means these terms of use, which include the terms and conditions detailed herein that apply to all of your Account(s) on MyAccount.

“Third-Party” means an external person or company that is not an affiliate of Canaccede.

“Third-Party Service” means an external person or company who provides a service or technology to Canaccede.

“You” and “your” mean each person who holds an Account and who enrolls in MyAccount.

2. Agreement to these Terms of Use

By signing up for and using MyAccount you are asserting that you are the named individual on an Account and are authorized to review and discuss the personal information contained on the Account and you agree to these Terms of Use. Furthermore, you agree that we or our servicers, agents, contractors, successors, or assigns may contact you or the responsible party as provided in this paragraph. We may contact you, use, retain and/or disclose your information for any lawful reason, including for the collection of amounts owed on the Account and for the offering of products or services in compliance with our Privacy Policy in effect from time to time. No such contact shall be deemed unsolicited. We may contact you at any address or telephone number (including wireless cellular telephone or ported landline telephone number) that you may provide to us from time to time. We may use any means of communication, including, but not limited to, postal mail, electronic mail, telephone or other technology, to contact you. You agree that we may use automatic dialing and announcing devices which may play recorded messages. We may also send text messages to your telephone. You may contact us at any time to ask that we not contact you using any one or more methods or technologies. You agree that both the phone number(s) and/or e-mail addresses you provide belong to you, are secure and cannot be listened to or viewed by unauthorized third parties.

3. Consent and When It Takes Effect

You consent to the delivery of documents and other information “Portal Information” through  “MyAccount” which include: Outstanding debt notifications, collection attempts, Email Verification Password Resets, Successful payment reminders, Payment Reminders, Missed/Late Payment Reminders, Successful Account Information updates, Completed Payments, Pending Payments, Failed Payments, statements; changes to products or services; communications about these Terms of Use and/or changes to other Canaccede policies (such as the Privacy Policy), including changes and confirmations; and any other confirmation, notice or information that we are required by law to provide you in writing relating to your Account.

4. Electronic Delivery of Portal Information

Messages are sent to you either securely within MyAccount or by text message, email or another non-secure method (a “Non-Secure Notification Message”).

When we deliver Portal Information electronically, we will do so by making it available to you through MyAccount. In other cases, we may present Portal Information to you as part of a transaction or as you navigate MyAccount. Other Portal Information may be limited to links or information in your MyAccount. Portal Information presented to you as part of a transaction or as you navigate MyAccount may only be available at the time they are presented, so you may wish to print or save a copy for your records. Non-Secure Notification Messages include automated notices that indicate to you when Portal Information is available in the MyAccount.

5. Your Obligations to Access and View Portal Information

By consenting to electronic delivery of Portal Information, you understand that you must access MyAccount to access your Information and agree to do so on a regular basis but in any event, not less than once every thirty (30) days. We will not be responsible to you for any damages or costs resulting from your failure to access your Information.

You confirm that you have the necessary technical ability to log into MyAccount to review relevant Portal Information.  You confirm that you will keep your login credentials confidential.

6. Third Parties and Third-Party Service Providers

You authorize us to collect, use and disclose, any information required to provide or operate a Service or Third-Party Service, or any information or content you may provide while using or accessing a Service or Third-Party Service, to (1) share such information or content with any Third-Party Service Provider or Third Party for the purpose of providing or assisting us in providing the Service or Third-Party Service, including payment related services, and (2) prepare statistical profiling, performance or operational reports about a Service or Third-Party Service.

You also authorize any Third-Party Service Provider or Third Party to use information (including aggregated information) or any content you may provide while using the Service or Third-Party Service for preparing, using and distributing statistical, profiling, performance or operation reports about such Service or Third-Party Service. If such reports are distributed to anyone other than us, the information contained in all such reports will not be attributable to you.

We may have links to Third-Party websites that are not owned, controlled or operated by us. We do not assume any responsibility for the content, privacy policies, or practices of any other websites or their owners. We are not endorsing or recommending any other websites, products or services by the simple inclusion of a link to another website.

7. Acting on your instructions

You authorize us to accept any instruction we receive under your sign-in credentials on any of the Services or Third-Party Services (“Instruction”). Any Instruction will have the same legal effect as if it was a written instruction and signed by you, and you are responsible for any Instruction while accessing or using the Services or Third-Party Services. We may without notice, decline or refuse to act on any Instruction.

8. Email Address for Non-Secure Notification Messages

Non-Secure Notification Messages are sent to the email address you provide as your primary email address. You can change your email by updating your email address on MyAccount or by calling MyAccount at 1-888-316-2369, and this may also change the Account email address on record for you. Please remember to notify us of changes to your email address immediately, so we may continue to provide you with the Services.

9. Payments in MyAccount

When making any payment, you must ensure the accuracy of all information needed to complete the payment, including account numbers, email addresses and payee names. We may update the recipient’s information if we are informed by the recipient of a change or if we believe it necessary, without notice to you. Payments made on MyAccount are processed through third-party payment solutions provider(s) on behalf of Canaccede or the collection agency collecting your Account.

There may be a delay between any Instruction you provide, the withdrawal of any Payment from a funding source, and receipt of the payment by a Third Party. You are responsible for accounting for this potential delay and timing any Instruction to us accordingly.

We are not responsible for any disputes you have with a Third Party including if that Third Party (1) does not credit you for a Payment for whatever reason, or (2) charges you fees or penalties.

We are not responsible for and we will not reimburse you for losses to your Account(s) if any of the following:

  • You do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with any of the services within MyAccount.
  • You engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments.
  • You access MyAccount via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer.
  • You carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us.
  • You share any of your Passwords or Personal Verification Questions.
  • You consent to, contribute to or authorize a transaction in any way.
  • Exceptional Losses: In no event, even if we are negligent, will we be liable for any loss of data, or any indirect, consequential, special, aggravated, punitive or exemplary damages, in whole or in part, (including any business interruption, loss of profits, data, information, opportunity, revenues, goodwill or any other commercial or economic loss), caused to you, regardless of the cause of action, even if we were advised of the possibility of such damages.

10. Security

You are responsible for the security of the information used to access the Services.

Password Criteria: Your Passwords, Personal Verification Questions, and e-Transfer Questions and Answers must be unique and not easily guessable. Examples of bad passwords include birth dates or names of you or your family members, your telephone number, social insurance number, or sequential numbers such as "1234".

Securing Passwords: You must always keep your Password(s) and Personal Verification Questions strictly confidential. You must not disclose your Passwords or Personal Verification Questions to anyone.

Compromised Passwords: If you believe that someone may know your Password(s) or Personal Verification Questions, you must immediately: (1) notify us; and (2) change the Password(s) or Personal Verification Questions that you believe have been compromised.  You should also review your information on MyAccount to verify that the information continues to be accurate.

11. Providing Portal Information by Paper

We reserve the right to provide you with Portal Information by paper delivery if we are unable to provide electronic delivery, have reason to believe you may not have received the Portal Information, or otherwise consider it appropriate at our discretion. Any paper delivery will be provided to you at the most current mailing address that we have on file for your Account.

12. Limitation of Liability – Information

You agree that all notifications may be delayed, not delivered or inaccurate due to a variety of factors, including technical problems. We will not be liable for any direct or indirect damages arising out of your use or inability to use the alerts, regardless of the cause, including negligence, even if we are advised of the possibility of such damages. For Non-Secure Notification Messages, you accept the risk that the messages may be lost, intercepted, reviewed or altered by others.

13. Limitation of Liability – Payments

No Liability Unless we are Negligent: We will not be liable for any loss, damage, delay or inconvenience to you in connection with these Terms of Use, the Services or Third-Party Services, or any Instructions provided in connection with the Services and Third-Party Services.

No liability Even if we are Negligent: We will not be liable to you, even if we are negligent, for any loss, damages, delay, or inconvenience to you for any of the following:

  • Any losses related to your failure to do something, including a failure to meet your obligations under these Terms of Use.
  • Mistakes, errors, omissions, inaccuracies or other inadequacies of, or contained in any data or information, including as a result of a failure to update data or information.
  • Actions or failures to act by any Third Party or Third-Party Service Provider.
  • Delay, error, interruption or failure by us to perform or fulfill any of our obligations to you due to any cause beyond our control, any system malfunctions or any technical failures.
  • Delay or inability to access or use the Services or Third-Party Services, including any charges such as late fees or additional interest you may have to pay to a Third Party.
  • Inaccuracy, interception, review or alteration by others of any unsecured communications.
  • Failure to receive or view Portal Information that has been presented to you, or a notification that Portal Information has been presented to you.
  • Content you access after leaving MyAccount or our Apps including any Third-Party website or app regardless of whether or not that content was accessible from MyAccount.

This limitation of our liability applies even if we were advised of the possibility of such damages or losses. This limitation of our liability includes loss of profits, data, information, opportunity, revenues, goodwill or any other commercial or economic loss, and damages in the form of incidental, indirect, consequential, special, aggravated, punitive, exemplary or similar damages, or damages for business interruption.

14. Release/Indemnities

Except with respect to claims, costs and liabilities arising as a direct result of our negligence, you will release and indemnify us and any other person for any claim, cost or liability incurred as a result of your access to or use of the Services or Third-Party Services, or your breach of these Terms of Use.

15. Other Agreements

These Terms of Use apply in addition to any other agreements between you and us that are necessary for the maintenance of your MyAccount with us, or any other product or service offered by us. Additionally, this agreement shall apply to any other documents, notices, receipts, statements or other items required of us to deliver to you by law.

16. Revoking Consent and Termination of MyAccount

You may revoke your consent to access and terminate your MyAccount at any time by calling 1-888-316-2369 during operating hours, by sending us an email to myaccountmanagement@canaccede.com.

If you revoke your consent and terminate your MyAccount, you will no longer be able to access MyAccount or make any payments on your Account.  If you wish to still have access to MyAccount, but do not wish to receive any further commercial electronic messages from MyAccount, you may do so by unsubscribing as outlined in Section 17 Unsubscribe below.

If we receive a request to revoke your consent and terminate MyAccount, we will confirm that we have received your request and specify when it takes effect in writing through electronic or paper delivery to you. Your revocation to access MyAccount will not stop any previously authorized payment(s) that are in process.

17. Unsubscribe

If you wish to unsubscribe from receiving all further commercial electronic messages from MyAccount, please go to https://www.mycanaccede.com/unsubscribe. You can also email us at myaccountmanagement@canaccede.com. It is your responsibility to always login to check the status of your account. You may still receive some electronic messages where permitted by law.

18. Changing Terms

We may change these Terms of Use from time to time by updating these Terms of Use on MyAccount. You agree that you will be bound by and accept any updates to these Terms of Use as published on MyAccount. If you do not agree to a change, you may revoke your consent and terminate your MyAccount as outlined in Section 16 Revoking Consent and Termination of MyAccount.

19. Trademarks

All trademarks used on MyAccount are used under license from owner of the trademark. The CFG logo is used under license from Canaccede Financial Group Ltd.