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Financial Services Agreements (PFSA) (PCA)

The Personal Financial Services Agreement (PFSA) explains the types of services we offer along with the terms and conditions that govern those services, including a number of our personal banking agreements.

To review the terms and conditions surrounding the use of our services:

Download the Personal Financial Services Agreement (PFSA) [PDF: 608 Kb]

The Personal Credit Agreement Companion Booklet (PCA Companion Booklet) explains the different types of loans and credit facilities we offer and contains important terms and conditions that govern those loans and credit facilities. The PCA Companion Booklet also contains the Scotiabank Privacy Agreement that also applies to your banking relationship with us. The Personal Credit Agreement forms part of the PCA Companion Booklet and the Rates and Fees Schedule. All of these documents are supplemental to each other and should be read together.

Download Personal Credit Agreement (PCA) [PDF: 830 Kb]

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The Guidelines are in PDF format and require Adobe® Acrobat® ReaderTM to be viewed. If you do not have the Reader, you can download it for free from the Adobe website.