Mobile Security Guarantee

We will fully reimburse you in the unlikely event that you suffer direct financial losses due to unauthorized activity¹ in your accounts through Scotia Mobile² provided you have met your security responsibilities.

Our Commitment to You

At Scotiabank, we’re committed to ensure the online security of your financial transactions and the confidentiality of your information.
As part of this commitment, we have instituted a number of security measures to help ensure the integrity of your transactions and your account information from login to logout, including:

• We use 128bit SSL (Secure Sockets Layer) ensuring end-to-end encryption from the device to the Bank, meeting industry best practices for cryptographic standards, during online/wireless transactions; in addition WAP 1.0 browser, are not allowed to use the application (automatic blocking in place) thus closing a well known security vulnerability with the WAP protocol.
• We have firewalls and monitor our systems to prevent unauthorized access to our internal systems and maintain the safety of your information.
• We provide security features like Remember My Card, User identity verification through multiple factors additional to the unique Scotia card password combination and Session Timeout.
• We designed our interfaces so your account and credit card numbers are never displayed, neither your personal information.

A Shared Responsibility

To ensure you are protected under the Mobile Security Guarantee, you must do your part too. That means it is your responsibility to abide by the terms of our customer agreements ³ and follow the guidelines in the Safe Computing and Mobile Practices section of Scotiabank’s website. In particular, you must:

• Carefully select your Scotia OnLine / Mobile sign-on password and Access Code and ensure that they are different from one another. Never select a password or Access Code that is the same as or similar to an obvious number combination such as your date of birth, bank account numbers, ABM PIN number or telephone numbers.
• Keep your ScotiaCard number, Scotia OnLine / Mobile sign-on password, Access Code, and ScotiaCard Security Code number (last three italicized numbers printed on the back of your ScotiaCard⁴) confidential. Do not divulge this information to anyone – including family members, friends, employees, bookkeepers or anyone else. Do not write this information down or keep a poorly disguised record of it, or keep it together with your ScotiaCard.
• Never store your banking passwords on your phone and secure your mobile phone with a password
• Notify us immediately in the event of loss, theft, misuse or compromise of your ScotiaCard or ScotiaCard number, Scotia OnLine / Mobile Banking sign-on password or Mobile Device. Contact Us.
• Use your wireless data connection when you are banking “on the go” and avoid defaulting to public wifi services on your smartphone - especially when you're transmitting sensitive information
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• Never respond to pop-ups, emails, or SMS requests that ask you to reveal personal information about yourself or your Scotiabank accounts.
  Scotiabank will never send you unsolicited emails or text messages asking for your password, Personal Identification Number (PIN), credit card, account numbers, etc. We will never ask you to validate or restore your account access through unsolicited email or text message.
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• Review your statements and report any errors in a timely manner. Different transactions have different reporting deadlines. Please see the applicable account agreement, statement for further details.
• Assist us in any investigation into improper access to your accounts.
• Get more tips on how to protect your financial information in Safe Computing and Mobile Practices.

¹ "Unauthorized activity" means a transaction that was carried out in your Scotiabank account through Scotia Online without your permission, authorization or knowledge and where it can be established that you are a victim of fraud, theft or coercion.

² "Accounts" include all accounts that are accessible through Scotia Online.

³ Customer agreements include Personal Financial Services Agreement (PFSA), the Scotiabank Group Privacy Agreement, as well as the agreements governing your personal or business banking or other financial service or product offered by us.

⁴ Only applicable in countries where Visa debit is available.