Security

The Desjardins Group and its subsidiaries present on this site (hereinafter called "Desjardins") adhere to very strict and rigorous security standards.

Every precaution has been taken to ensure that information concerning you and transmitted to us whenever you use secured areas on this site (such as transactional services, online application forms, and e-mail registration forms) is protected against error, loss or unauthorized access.

Despite these precautions, you must implement the personal security measures recommended on this site in order to maintain optimal protection when you surf the this site or any other Internet site.

Online transactional services

The rules governing our online transactional services reflect the highest standards of the banking industry and comply with laws regarding the protection of personal information.

To find out more about the protection of personal information on this site, please refer to this site's Privacy statement and the Desjardins Group Privacy Policy in the About Desjardins Company profile section of Desjardins.com.

All transactions conducted as part of our online transactional services are encrypted during secure-environment sessions to protect the confidentiality of data exchanged between the Desjardins mainframe and the browser used with your computer or wireless device. That's why AccèsD services are only accessible if you use use the most recent versions of Microsoft Explorer, Mozilla Firefox and Safari that support the SSL2, 128-bit protocol.

Find out how to update your browsers.

SSL is an acronym that refers to Secure Sockets Layer, the protocol that permits authentication and data encryption between a Web server and browser. It provides a secure channel for the exchange of data that can only be decoded by authorized persons.

Firewall

Access to this site is controlled by a firewall, among other security measures. A firewall is a security mechanism that filters attempts to access an Internet in order to head off any unauthorized attempts or intrusions.

Online requests and e-mail registration form

Once completed, the online forms you submit to obtain a financial product or service or to receive customized e-mail are stored on the server located at https://services.desjardins.com. This means the forms are secure and no data they contain can be intercepted by a third party.

Personal security measures


I- General precautions

Security icon
Be sure you always surf in a secure environment when transmitting confidential data. When you don't see a security icon (closed padlock) displayed on your PC or wireless device (if the latter offers this functionality), or when you notice an open padlock, this means the security of any Internet transaction or data transmission cannot be guaranteed and could be intercepted by a third party.


The location of the security icon varies according to the browser.

Explorer browsers display the security icon in the status bar on the lower right hand side of the screen.



Once you've located the padlock, click on it to display the certificate attesting to the site's security. On it you should be able to find the site's owner (e.q.: accesd.desjardins.com) as well as the certificate validity period.


e-mail
The e-mail you send is not, generally speaking, secured during transmission. It is therefore important not to include any personal or confidential information in such messages. For this reason, Desjardins cannot be held liable for any damages resulting from the interception, loss or modification of any e-mail message you send.

II -Specific security precautions when using the AccèsD services

Passwords

- The first time you use AccèsD service, choose a password to replace the one you were assigned initially. You will therefore be the only one to know this password.
- Select a password that is easy to remember. For AccèsD, the password will comprise between 6 and 12 characters, the first three of which must be numbers. The remaining characters must include at least one letter.
- Avoid passwords based on personal data as it could be discovered by ill-intentioned users. And never use part of your credit card PIN number.
- Never disclose your password to anyone else.
- Don't save your password in your computer's memory.
- Don't write your password down on a piece of paper.
- Finally, to ensure maximum security, change your password on a regular basis.



Terminating a session

It is important to terminate your session once you've finished using AccèsD, whenever you must momentarily step away from your computer workstation, or else when you leave your wireless device unattended.

To end a session securely, you must click on Log off, clear your cache memory and close your browser.

This security procedure is particularly important if the PC from which you conduct your transactions is shared with other users.


1. Quit

We recommend you terminate your session by clicking the Quit button that is located in the upper right corner of the screen.

2. Clear cache memory

Cache memory is a temporary memory in your PC or wireless device used to locally store information that you accessed during a session. When you need to retrieve this information, your computer or wireless device gets it from the cache memory rather than from main memory where it was originally stored. Cache memory thus speeds up the retrieval and display time for information you consult while browsing.

At the end of your AccèsD session, you could therefore have personal financial data in your PC or wireless device cache memory. To protect the confidentiality of such information, make sure that you clear the cache memory at the end of each session.

How to clear your computer's cache memory

If using Microsoft Internet Explorer 4.x:
- In the Tools menu, click on Internet Options.
- Click on the General tab.
- In the Internet Temporary Files section, click on the Delete Files button.
- Click on OK to return to the browser.

If using Microsoft Internet Explorer 5.x:
- In the Tools menu, click on Internet Options.
- Click on the General tab.
- In the Temporary Internet Files section, click on the Delete Files button.
- Click on OK to go back to the browser.

If using Microsoft Internet Explorer 5.1.x for Mac OS 8.1 to 9.x:
- In the Edit menu, click on Preferences.
- Double-click on Web Browser to display the sub-categories.
- Select Advanced.
- Click Empty Now.
- Click on OK to return to the browser.

If using Microsoft Internet Explorer 5.2.x for Mac OS X:
- In the Explorer menu, click on Preferences.
- Double-click on Web Browser to display the sub-categories.
- Select Advanced.
- Click Empty Now.
- Click on OK to return to the browser.


3. Close browser.

Closing the browser is the simplest and most secure way of terminating your session as it deletes stored information, which ensures that your data cannot be accessed.

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