Terms & Conditions

Scotia Household Program Terms and Conditions Agreement

Definitions you should know:

Under these terms and conditions (the “Terms & Conditions”) for the Scotia Household program, "we", "our", "us", “Bank”, and “Scotiabank” mean The Bank of Nova Scotia and "you" and "your" mean the individual who is enrolled to the Scotia Household Connection Program (the “Household Program”).

By agreeing to this Agreement, you also agree to the collection, use and disclosure of your personal information as described in the Scotiabank Privacy Agreement as may be amended from time to time. A copy of the Scotiabank Privacy Policy is at (https://www.scotiabank.com/ca/en/about/contact-us/privacy/privacy-agreement.html) or at any Scotiabank branch. 

This Agreement, as amended from time to time, applies to your enrollment in the Household Program.

If a matter relates to the Household Program, this Agreement prevails over any other agreement you have with us in case of a conflict.

You must meet and comply at all times with the technical and security requirements which may be established with respect to the Household Program. They may be modified or replaced from time to time.


 I.         Description of Service - What is the Scotiabank Household Program?

The Household Program allows you to invite members of your household to be part of your Scotiabank Household (“Household”) and take advantage of benefits provided to the Household.

All offers within the Household Program may be changed, cancelled, or extended at any time without notice and are subject to the agreements for the products and services that you have with us.


II.         Primary Member, Secondary Member and Creating and Joining a Household

a.     Primary Member or ‘Host’

As the Primary Member of Household, you may be able to extend select benefits of your existing relationship with us to members of your Household. Only existing Scotiabank customers can be a Primary Member. You can enroll in the Household Program by visiting a branch, accessing Scotia OnLine or Scotiabank Mobile App. To create a Household, you must be over 19 years old. If you are currently enrolled in an existing Scotiabank Household or have been part of another Scotiabank Household in the past seven (7) days, you are not eligible to create a Household.

The Primary Member can visit Scotia OnLine or access through a Scotiabank Mobile App and through My Account, select “Household”, and follow the instructions to share the Household code with other individuals that they would like to invite to become members of the Household (such individuals are “Secondary Members”, or a “Member”). The Primary Member shall only share their Household code with individuals under the age of 19 if the Primary Member is the parent or legal guardian of that individual. A Household will always need the Primary Member to stay active.

After the Secondary Member requests to join a household, that member must be approved by the Primary Member.

b.     Secondary Member or ‘Member’

Secondary Members can join a Household only if a Primary Member invites them to join a Household by sharing the Primary Member’s unique Household code to their Household.  Secondary Members may use the Household code to join the Household by visiting a branch receiving assistance from branch personnel, or accessing their Scotia OnLine or Scotiabank mobile App.

Secondary Members do not need to be existing Scotiabank customers to receive a Household code, or otherwise to be part of a Primary Member’s Household. However, to accept the offer to enroll in the Household Program and to join a Household, Secondary Members will need to create a customer profile (either at a Scotiabank branch or online), and have their identity authenticated by Scotiabank.

If you are currently enrolled in an existing Scotiabank Household or have been part of another Scotiabank Household in the past seven (7) days, you are not eligible to join a Household.

Secondary Members are “active” Members only after the Primary Member has approved them within their Scotia OnLine or Scotiabank App, or at a Scotiabank Branch.

c.     Creating a Household and Joining a Household

A Primary Member can create a Household. A Primary Member has greater control over the Household than Secondary Members.  For example, Primary Members can add other individuals to the Household, remove members from the Household, edit the relationship status (e.g., partner, child, grandparent, etc.) between Household Members, invite individuals under the age of 19 (when they are the parent or legal guardian of that individual) to join the Household, assign a new Household Primary Member or ‘Host’, collapse the Household or rename the Household.  Some additional features are only available to the Primary Member and are not available to Secondary member(s).

If you are not the Primary Member of the Household, you cannot remove a Secondary Member; however, a Secondary Member can leave a Household at any time. When someone leaves a Household, they will no longer be eligible to receive the benefits or fee rebates as applicable to a Household membership.  For example, leaving a Household may result in being no longer eligible to receive a benefit under the Household Program such as monthly account fee waiver of a certain bank account.

Being part of a Household does not provide you with the ability to view or access to another Household member’s accounts, financial or transaction information.


III.         Notice of Change and Member Validation

You agree that we may change these terms at any time by posting a notice of change on www.scotiabank.com. If you continue to be part of the Household Program after we post the notice, you agree to the revised terms.

For the Household to be active, your Household will need to have an active Primary Member.

For the Primary Member to be active, the Primary Member must be in good standing with the Bank. The Bank can terminate the relationship with the Primary Member at any time if the Primary Member is not in good standing with the Bank.

In absence of an active Primary Member, the Bank will assign a new Household Host.  If there are no eligible members who can be a Host, the Household will be collapsed.

If the new ‘Primary Member’ removed themselves without selecting a new ‘Host’, the Household will collapse.

Scotiabank reserves the right to request that you validate your relationship with other Members of the Scotia Household at any time. If we suspect any untruthful, fraudulent or illicit activity related to a Member’s accounts in any way, we may, at our sole discretion, temporarily or permanently prohibit any or all Members from participating in a Household, or we may suspend or terminate the Household.


IV.         Your Internet Service Provider

Scotiabank's alerts are subject to the terms and conditions of your agreement with your mobile carrier and/or internet service provider. You are responsible for any fees imposed by your mobile service provider and internet service provider of any kind whatsoever.


V.      Your Responsibilities – email address or mobile phone number

If you or your Household members change their email address or phone number, they must update it within the My Profile area of the Scotia InfoAlerts function on Scotia OnLine® Internet Banking or under “Profile and Preferences” or by visiting a Branch, or by calling 1-800-4SCOTIA (1-800-472-6842).

You cannot request an email change or phone number change on behalf of any of your Household members, unless you are making a change on behalf of a minor and you are also the legal guardian or parent of the minor and have signed ‘Individuals Acting on Behalf of Scotiabank customer’.

All changes to the Household and alerts will be communicated via email or SMS only.   


VI.      Limitation of Liability

You agree that your invitation to other Members may be delayed, not delivered, or inaccurate due to a variety of factors, including technical problems. Neither we, your ISP provider, nor any other third party connected with providing the alerts will be liable for any direct or indirect damages (including any special, punitive, or consequential damages) arising out of your use or inability to receive or to use the invitation, or the information contained in or omitted from the alerts, regardless of the cause of action, including negligence, even if we are advised of the possibility of such damages. You accept the risk that invitations messages may be lost, intercepted, reviewed or altered by others.

Neither we, nor your email service provider, nor any other third party is responsible if alerts are sent to an email address that you provided to us, but which is not owned by you, or which is no longer owned by you.


VII. Change of Household Structure

a.     New Primary Member Assignment

Primary Member of a Household can assign another eligible Member of the Household to be the new Primary Member of the Household. New Primary Member will automatically be assigned the new role; however, they will have the option to go to their Scotiabank mobile App or Scotia OnLine or Scotiabank Branch to leave the Household or assign another Member to be the Primary Member remove themselves.

Any benefits provided to the Primary Member may be terminated when a member is no longer the Primary Member.

As a result of this change, any minors that are part of the Household must be removed from Household if the new Primary Member or ‘Host’ is not their legal guardian or parent.


VIII. Death

If the Primary Member passes away, Scotiabank will assign another Secondary Member to become the Primary Member position. A Household will need a Host in order to be active.  

If a Secondary Member passes away, Scotiabank will remove Secondary Member from the Household.


IX.  Minors

Individuals under the age of 19 may be invited to join a Household when the Primary Member is their parent or Legal Guardian.

Minors under the age of 16 will require a Parent/Legal Guardian to sign with them at a Scotiabank Branch.


X.  Consent to Using an Electronic Signature at Our Branches

This section applies when you become a Member or a Host of a Household by agreeing to these Terms & Conditions electronically at our branches. You understand and agree that:

  •  You will use an electronic signature (“E-Signature”), which may include a click to accept to sign, if required, the documents provided to you which may include, but are not limited to, application forms, disclosures, loan documents, security documents, account agreements and other documents or other information or materials relating to solutions and/or services offered or provided by Scotiabank that are related to the Household Program (each a “Document” and together the “Documents”).
  • You intend your E-Signature to be legally binding and to have the same effect as if you were signing with pen and paper.
  • You consent, on a one-time basis, to receive the Documents in electronic form through a secure webpage.
  • You agree to receive a onetime passcode to your cell phone number for verification of your e-signature
  • You will retain a copy of the Documents including any documents or materials provided to you via links for your records by printing and/or downloading them (including when prompted to do so) as part of or following an electronic signing and electronic delivery process.


XI.         Privacy

The Scotiabank Privacy Agreement forms part of this application.  For a full explanation about how, when and why we may collect, use and share your information, as well as your rights relating to that information, please visit www.Scotiabank.com/privacy or any Scotiabank branch for a paper copy.

Information that we hold about you may come from you directly; however, we may also collect information about you from other sources, including information from credit reporting agencies (for example, where you apply for credit, or where we must identify you), people appointed to act on your behalf, our social media pages, or other banks or finance-related organizations. 

We may collect, use and exchange personal information for the following purposes:  to set up, manage and offer products or services that meet your needs; to confirm your identity; to determine your eligibility or suitability for our products or services; to understand your needs; to meet our legal and regulatory requirements; to manage and assess our risks; to prevent or detect criminal activity; and to identify and correct any errors.  We may also use your information to send you messages, either by post, telephone, text message, email or other digital methods, including through ATMs, apps, and online banking services.  These messages may be to help you manage your account, to meet our regulatory obligations, to inform you about product or service features or to tell you about products and services (including those of other companies) that may be of interest to you.

We will keep your information confidential, but we may share it with third parties (who also have to keep it secure and confidential) in certain circumstances, including:  the Scotiabank Group of Companies (for example, for marketing purposes or internal reporting where those companies provide services to us), payment processing services (for example, credit card networks), our service providers and their agents (for example, collection agents, statement printers), fraud prevention agencies, and other banks or finance-related organizations.  Some of these third parties may be located outside Quebec or Canada.

We will keep your information for as long as you are our customer.  Once our relationship has ended, we will only keep your information for so long as is appropriate for the type of information, and the purpose for which we’re retaining it.  The period we keep your information for is generally linked to the amount of time available for you to bring a legal claim.  We may keep the information longer than this if there an existing claim or complaint that will require us to keep your information, or for regulatory or technical reasons.  If we do keep it for a longer period, we will continue to protect your information.

You have certain rights over the personal information we hold about you, including the right to ask for a copy of the information, to correct or rectify personal information that we hold about you, or not to use your information for a particular purpose (i.e., withdraw consent).  Note that your ability to exercise these rights will depend on a number of factors, and in some situations, and we may not be able to agree to your request.  You can refuse to consent to our collection, use or disclosure of your personal information, or you may withdraw your consent to our further collection, use or disclosure of your personal information at any time by giving us reasonable notice, subject to limited exceptions. This includes withdrawing your consent to use your SIN to verify credit information or to confirm your identity.  To understand how to go about withdrawing your consent, or to find out more about any of the items described in this section, please visit www.Scotiabank.com/privacy or any Scotiabank branch for a copy of our Privacy Agreement.

All alerts relating to your Household, including alerts regarding any changes made to your Household, will be communicated to you via email or SMS if we have an email or mobile number for you in our records. Household alerts will notify you of the changes within your Household (e.g., new Members being added, new Host in the Household, etc.). You acknowledge and accept this as part of the Household arrangement.

Each alert notification will include your first name, may be sent to you and the individual that you invite and accept into your Household, and will include information about the changes within your Household.  The notification will not be encrypted and will include information confirming that you’re currently a Scotiabank customer. Anyone with access to your email or text messages will be able to view the content of these alerts. It is your responsibility to ensure that this information is kept confidential and secure.

You will not be able to see the accounts, account balance or any other banking information of any other Members of your Household, except as otherwise set out below.

By participating in the Household, you consent to the collection, use and disclosure of your personal information for the purposes described in this consent. You understand that upon agreeing to become part of a Household, any information pertaining to your Scotiabank accounts will be considered part of a Household including, without limitation, any account(s) held by any other person in your Household, used by Scotiabank to determine a Member’s eligibility for any benefit under the Household Program. You consent to Scotiabank disclosing or using your name and/ or your anonymized aggregated financial information for purposes of offering and operating the Household. Such disclosure may enable a requesting Member to infer the approximate holdings of another Member if the Household is sufficiently small.

You understand that, because we consider all account balances in your Household in determining the relevant benefits under the Household Program, any other Household member(s) may acquire, or may infer, knowledge of your financial situation (for example, Household asset level) and that of any others in your Household.

You understand that Scotiabank may be in a position to infer and collect information about the relationship between Household Members, depending on how you designate the relationship between the individuals within your Household.

You also understand that under applicable laws, Scotiabank must maintain the privacy and confidentiality of all client information. Some accounts in certain programs offered by Scotiabank may be linked to form an account group within a Household, solely for the purposes of determining the net asset value in respect of which the fees shall be applied and the rate used to calculate such fees. An account group formed as a result of such linking may consist of one or more accounts held by a single account holder or different account holders. If an account is removed from the account group, such removal could increase the amount of the fees payable by all members of the account group for the remaining accounts in the account group. We will disclose the quarterly net asset value of the account group to any holder of accounts that are linked into the account group in response to a request by such account holder for an accounting of how the fees are calculated, provided each member of the account group consents in writing to providing such disclosure, as such disclosure may enable the requestor to infer the approximate holdings of another account holder if account group is sufficiently small.  Scotiabank may cancel the account linking option at any time.