Terms of use

All services and information made available to users by the Fédération des caisses Desjardins du Québec and, depending on the Service used, some of its subsidiaries (hereinafter called "Desjardins") via this site are covered by the terms and conditions described below. By using this site, you agree to abide by the following terms and conditions.

Desjardins reserves the right to change the terms and conditions at any time without advance notice. In such cases, Desjardins may post change notices directly on the site or may insert links to such change notices.


The site and site use 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 and by applicable Canadian laws. 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 this site regarding Desjardins products and services is intended for use in Canada only, in provinces where such products and services may lawfully be offered for use and/or sale, and neither use nor sale is intended where prohibited by law.

1. Description of services

Desjardins currently provides users with a wide selection of online services. These include communication tools (e.g. desjardins.com) and transactional tools (e.g. AccèsD)(hereinafter collectively "the Service").

Unless otherwise specified, any new feature that enhances or augments one or more existing services, or any new service launched by Desjardins, will be subject to the Terms of Use in effect for this site.

You alone are responsible for paying the costs associated with use of the Service, 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 Service, except when such identifying information is required to access the site's transactional tools. At the same time, the more accurate, complete and current your personal information, the easier it will be to tailor the Service to your requirements.

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.

Please refer to the site's Confidentiality statement for details about Desjardins' practices in this area and to the Desjardins Group Privacy Policy available in the About Desjardins - Company Profile section of Desjardins.com.

4. Protection of children

Desjardins is concerned about protecting children who use this 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 fordetermining which services may or may not be appropriate for their children and monitoring their use in this regard.

5. User codes and security

You alone are responsible for protecting the confidentiality of your user code and password as well as any actions undertaken under your identification or password.

Moreover, you are responsible for immediately notifying Desjardins about any unauthorized use of your user ID or passwords and any other security breach, as well as for taking every possible precaution to ensure that you use the Service under optimal security conditions.

To find out more about security measures concerning the use of this site, please read this site's Security statement.

Desjardins is in no way liable for any loss or damage arising from a failure to comply with the requirements described in this Section 5.

6. 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:

  1. forge headers or otherwise manipulate content transmitted through the Service
  2. upload, post, e-mail, 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)
  3. 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
  4. infringe, whether intentionally or not, any existing national or international laws or regulations or any other rules or regulations with force of law
  5. 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

7. Links to outside Web sites

The Service or third parties may include links to other Web sites 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 alleged to be 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 Service.

8. Financial and other information

All non-customized and generic financial information as well as the various product features and services posted on the site are provided for information only. This information originates from a variety of sources and is updated on a regular basis. Despite every effort to present information that is as up to date as possible, Desjardins, its officers, managers, employees and agents are in no event responsible for the consequences of any inaccurate information or for any damage sustained as a result of using such information.

9.Statement on financial information and advice

The Service is provided to you for information purposes only. Therefore, content disseminated in connection with the Service is not destined to be used in conducting transactions or making investment decisions. Desjardins will not assume any responsibility for the Content or the accuracy of all or part of the information transmitted in connection with the Service. Likewise, Desjardins will not be responsible for investment orders or decisions based on such information.

10. Information use and storage

Desjardins may establish general rules and deadlines concerning use of the Service. This may include, without limitation, determining the maximum number of days of account inactivity and the maximum number of times you may access the Service during a given period of time (as well as the maximum duration of each access session).

11. Changes made to the Service

Desjardins reserves the right at any time to change, temporarily suspend or terminate the Service 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 Service.

12. Termination

Desjardins reserves the right to remove or relocate any Content made available as part of the Service. This may be done for any reason, including lack of use or in situations where Desjardins has good reason to believe that you have violated the Terms of Use applicable to this site.

Any termination of your access to the Service in whole or in part and consistent with the established Terms of Use will take place without advance notice of any kind. Desjardins also reserves the right, at any time, to de-activate or delete with immediate effect any folder or any file within a folder, and/or to prohibit future access to such files or to the Service itself.

In no event will Desjardins be liable to you or to any third party for the termination of your Service access.

13. Dealings with merchants

Any dealings with merchants relative to the Service are strictly between you and the merchants concerned. This applies to any correspondence, business relationship or participation in promotions organized by merchants through the Service, including the payment and delivery of goods or services, and, if applicable, any other terms, conditions, warranties or representations arising from these transactions. Consequently, Desjardins will in no way be liable for any loss or damages of whatsoever nature arising from such dealings or, more generally, from the participation of merchants in connection with the Service.

14. Desjardins and intellectual property

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

Content included in advertising and information made available to you as part of the Service are protected by the laws applicable to copyright, trademarks and patents and by any other rights set forth in existing legislation.

Unless expressly authorized by Desjardins, it is therefore prohibited to:

  • copy, alter, rent, borrow, sell, distribute or create derivative works based in whole or in part on the Service or related Software and Applications and their content
  • 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 and their content
  • modify 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 Service or for other purposes not limited to this
  • access the Service by any means other than the interface provided to you by Desjardins for this purpose

15. Warranties

  1. 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 Service or its fitness for a particular purpose, or as to the non-infringement of the Service's Terms of Use by users.
  2. Even though Desjardins makes every effort to offer you a quality service at all times,
    Desjardins does not warrant that:
    • the Service will operate without interruption or error or in a secure and timely manner results obtained by using the Service will be accurate and reliable
    • the quality of any product, service, information or other materials purchased or obtained by you in connection with the Service will meet your expectations
    • defects in the Software and Applications, if any, will be rectified
  3. You alone will be responsible for any damage sustained by your computer or any loss of data that may result when downloading material
  4. 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.

16. Limitation of liability

To the fullest extent possible pursuant to applicable laws and regulations, Desjardins will in no way be liable for any direct or indirect damage, including without limitation the loss of profits, customers or data, or other loss of intangible assets, even if Desjardins has been advised about the possibility of such damage, that may arise:

  • from the use or inability to use the Service
  • following unauthorized access to the Service by a user or following a change in your transmissions or your database
  • from the actions or conduct of a third party in the course of using the Service

17. Copyright 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 Web site for commercial purposes without the written authorization of Desjardins, or make public use thereof without crediting the source.

All trademarks (including VISA*) 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.

*VISA is a trademark of Visa International, Inc., of which the Fédération des caisses Desjardins du Québec is an authorized user.

18. 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 Service. 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.

Finally, the use of some Desjardins services may require compliance with additional or specific rules, conditions, provisions or guidelines that will be set forth in a separate agreement. Such rules and guidelines will be considered an integral part of these Terms of Use. In the event of any disagreement or confusion between the Terms of Use and the separate agreement, the latter will prevail.

AccèsD - Terms and Conditions

All services and information made available to users by the Fédération des caisses Desjardins du Québec and, depending on the Service used, some of its subsidiaries (hereinafter called "Desjardins") via this site are covered by the terms and conditions described below.

1. Definitions

1.1 The undernoted terminology has the following meaning throughout the AccèsD Terms and Conditions:

  • AccèsD: Desjardins transactional Web site.
  • Accessible system: a computer or any other system which allows a cardholder who has been issued a user code and password to carry out transactions via AccèsD.
  • Card: credit card issed by the Fédération des caisses Desjardins du Québec.
  • Cardholder (secondary cardholder): a person who has obtained a card and user code.
  • Confirmation number: a number assigned by AccèsD to confirm a transaction carried out by the cardholder.
  • Desjardins: Fédération des caisses Desjardins du Québec and one or more of its subsidiaries, depending on the case. Fédération: Fédération des caisses Desjardins du Québec, the credit card issuer.
  • Password: the cardholder's personal and confidential password.
  • Subsidiary: legal entity controlled by the Fédération des caisses Desjardins du Québec because the latter directly or indirectly holds over 50% of voting rights with respect to the legal entity's voting shares or can elect the majority of its administrators, and, for the purpose of brevity, subsidiary also designated the Fédération des caisses Desjardins du Québec.
  • Transaction: any transaction carried out via AccèsD using the cardholder's access code and password.
  • User code: an access code linked to a cardholder's card and provided to him/her over the telephone by a Desjardins representative and later confirmed by mail.

2. Respecting the terms and conditions

2.1 The cardholder acknowledges having in his/her possession a user code and password linked to his/her card. If the cardholder has more than one personal credit card issued by Desjardins, he/she acknowledges that one user code and one password give him/her access to all his/her accounts via AccèsD using any accessible system.

2.2 The cardholder also acknowledges that the use of his/her card, as well as the transactions carried out with it are subject to terms and conditions enacted by Desjardins from time to time and agrees to respect, among others, the terms and conditions set forth hereafter.

3. Transactions

3.1 The cardholder acknowledges that use of his/her user code together with his/her password is equivalent to his/her authentic signature allowing him/her to carry out various transactions with Desjardins via accessible systems (e.g.: access to information, change of address, credit limit increase).

3.2 Through each accessible system, Desjardins will indicate the following to the cardholder: i) the types of transactions that may be carried out, which can vary depending on the system used; ii) the accounts that may be used to carry out these transactions; iii) the instructions allowing completion of a transaction.

4. Password confidentiality

4.1 The Fédération will provide the cardholder with a temporary password to be used in conjunction with the user code assigned to him/her. This password must be modified by the cardholder during his/her initial use of the service. The cardholder agrees not to choose a password that can easily be guessed (e.g.: birth date, address, postal code), in which case he/she would be considered to have contributed to the unauthorized use of the user code.

4.2 The cardholder agrees not to disclose his/her password to anyone, in any way and not to write it on the card itself or on any document that is easily accessible, in which case he/she will assume the full responsibility of doing so, including transactions carried out in contravention of this agreement or fraud perpetrated using this password.

4.3 In the event that the cardholder realizes the confidentiality of his/her password has been lost or compromised or as soon as a third party is suspected of knowing the password, the cardholder agrees to change it immediately. Failure to do so will render him/her responsible for any damages related to transactions carried out using this password.

5. Transaction confirmation

5.1 The cardholder recognizes that the confirmation number issued by an accessible system constitutes the proof that the transaction has been correctly recorded.

5.2 Desjardins, although it may do so, is not legally required to provide another proof of transaction unless needed by the cardholder to avoid or settle a dispute. If this is the case, the cardholder must provide Desjardins with the transaction's confirmation number. The cardholder accepts that the magnetic stripe or equivalent information medium on which data relating to the transaction is recorded constitutes sufficient written proof of a transaction in any legal proceedings.

6. Transaction accuracy

6.1 The cardholder accepts that the accuracy of transactions carried out with his/her access code and password using any accessible system is subject to verifications and authorizes Desjardins to make the necessary adjustments in the account associated with the card to which the user code used for the transaction is linked in the event of a mistake or inaccuracy, within 10 business days of such transaction.

7. Confidentiality

7.1 Desjardins cannot assure the confidential nature of transactions carried out by the cardholder using a non-secure system or if the user has not complied with the provisions relating to password confidentiality described in section 4.2 of this document and the security measures spelled out in this site's security policy.

8. Liability

8.1 The cardholder recognizes that Desjardins cannot be held responsible for damages, including monetary losses, arising from the impossibility to use an accessible system due to malfunction, temporary downtime or misuse or any other service interruption of such systems caused by actions outside of Desjardins' control, including industrial disputes and equipment failure. However, the cardholder shall not be held responsible for monetary losses resulting from technical malfunctions within Desjardins' information technology system.

8.2 The cardholder will not be held responsible for transactions carried out after he/she was threatened and obligated to divulge his/her password and user code, providing a complaint is filed with law enforcement, the Fédération is immediately notified and full cooperation is given with any ensuing investigation.

8.3 The cardholder agrees to notify Desjardins of any changes to his/her personal information that could affect the transactions carried out using his/her user code and password (e.g.: address, telephone number). The cardholder recognizes that Desjardins cannot be held responsible for damages ensuing from his/her failure to provide updated information, such as interest charges or fees sent to the cardholder by a product or service provider.

9. Changes to the terms and conditions

9.1 The cardholder recognizes that the Fédération can modify these terms and conditions unilaterally and without advance notice. The Fédération informs the cardholder of the changes, and the latter must accept them following the procedure indicated by the Fédération to be able to continue using AccèsD.

10. User code cancellation

10.1 The cardholder may cancel his/her user code and terminate this agreement at any time by contacting the Fédération according to the instructions provided in Article 11.

10.2 Desjardins may also cancel a user code it issued and terminate this agreement at any time, in which case it will not be held responsible for any losses resulting from this action.

11. Notices

11.1 Any notice needing to be sent to Desjardins in accordance with the terms of this agreement can also be communicated over the telephone by calling 1-877-226-0226.