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Interac Verified™ Credential Terms and Conditions

Last Updated: November 25, 2024

Please read these Interac VerifiedTM credential Terms and Conditions (the “Verified Terms”) carefully before accessing or using the Interac VerifiedTM credential service or downloading, installing, or using the Interac VerifiedTM app (the “Verified App”, and the Verified App together with the Verified App functionalities, including the Demo (as defined below), and the Interac VerifiedTM credential service are collectively, the “Service”). The Service allows you to provide certain User Information about you to participating Relying Party businesses, institutions, and organizations chosen by you stored in the Verified Credential that we may issue to you via the Verified App. Capitalized terms not yet defined are either defined or cross-referenced in the Definitions section below.

These Verified Terms and this Agreement are each between you and 2859824 ONTARIO LIMITED (“Interac”, ”us”, ”we” or ”our”), a subsidiary of Interac Corp. The Service requires that you complete the following prior to Interac determining whether to issue you a Verified Credential, each of which is subject to its own terms and conditions: (a) authentication through a participating Financial Institution as an Identity & Data Provider, requiring you to enter your credentials (called the FI Credentials) for that Financial Institution (“IVS Verification”); and (b) provide certain of your Documents as well as a selfie video (“DVS Verification”). IVS Verification is subject to the IVS Terms and DVS Verification is subject to the DVS Terms. All other aspects of the Service are subject to these Verified Terms. Collectively, these Verified Terms, the IVS Terms, and the DVS Terms are the “Agreement”.

By: (1) clicking or tapping “I Agree” or otherwise electronically agreeing to these Verified Terms, (2) creating an Account, or (3) downloading, installing, accessing, or using the Service on any Electronic Access Device:

  • you acknowledge and agree to be bound by this Agreement;
  • you confirm that you have reached the age of majority in the province in which you reside or that you are a minor and your parent or legal guardian has had an opportunity to review this Agreement and has consented to your use of the Service;
  • you acknowledge the Interac Privacy Policy available at [insert link], as revised from time to time, and you consent to our collection, use, and disclosure of personal information as described in the Interac Privacy Policy; and
  • you agree and understand that this Agreement takes effect on the first date that you engage in any of the actions set out in (1), (2), or (3) of this paragraph.

IF YOU DO NOT AGREE TO THIS AGREEMENT, YOU MUST NOT DOWNLOAD, INSTALL, ACCESS, OR USE THE SERVICE AND YOU MUST PROMPTLY CEASE USING THE SERVICE. IF YOU ARE DISSATISFIED WITH THE AGREEMENT OR ANY OTHER TERMS, CONDITIONS, RULES, POLICIES, GUIDELINES OR PRACTICES APPLICABLE TO THE SERVICE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE ACCESS TO AND USE OF THE SERVICE.

If you require any support or customer services with respect to the Verified App or any other portion of the Service, please contact Interac at feedback@interac.ca or visit interac.ca/[•].

DEFINITIONS:

  • “Account” means your account on the Service.
  • “Agreement”has the meaning set out in the preamble.
  • “Demo”means the demonstration feature available through the Verified App allowing you to learn about the sharing of a Verified Credential and to demonstrate to you how to use the Service.
  • “Document(s)” means certain government issued photo identity documents provided by you to us that we can process from time to time.
  • “DVS Terms” means the Interac Document Verification Service Terms and Conditions available at https://www.interac.ca/en/legal/#interac-document-verification-service-terms-and-conditions.
  • “DVS Verification” has the meaning set out in the preamble.
  • “Electronic Access Device” means an eligible smartphone, mobile device, tablet or other eligible electronic device on which you may install the Verified App to access the Service.
  • “Feedback” has the meaning set out in section 1.
  • “FI Credentials” means the Financial Institution credentials that you use for authentication purposes to access services at your Financial Institution or which are otherwise required by your Financial Institution to access your account with them, such as username, password, card number, biometric identifiers (including fingerprints, voice patterns and facial recognition), one-time passcode or other information.
  • “Financial Institution” or “FI” means the financial institution in Canada with which you have a current banking relationship that has agreed to be an Identity & Data Provider.
  • “Identity & Data Provider” means an eligible organization in Canada that participates in the Service and that generates or holds User Information, including a Financial Institution, credit bureau, telecommunications provider, government departments and agencies and other eligible third parties.
  • “IVS Terms” means the Interac Verification Service Terms and Conditions available at [insert link].
  • “IVS Verification” has the meaning set out in the preamble.
  • “Modification” has the meaning set out in section 4.
  • “Personal Information” means information about an identifiable individual, which typically includes name, email address, mobile or home phone number(s), mailing address, date of birth and certain of your account, profile or other information.
  • “Privacy Policy” means the privacy policy located at [insert link] or any successor URL.
  • “Released Parties” means Interac, your Financial Institution and all other Identity & Data Providers and Relying Parties that participate in the Service, and, as applicable, their respective affiliates, subsidiaries, divisions, suppliers and service providers, and all of their respective directors, officers, employees and agents, and “Released Party” means any one of them.
  • “Relying Party” means an eligible person or organization in Canada that participates in the Service and that asks you to provide User Information through the Service, via your Verified Credential, in order to facilitate its interactions with you, for example, to help verify your identity or eligibility for Third Party Offerings.
  • “Service” has the meaning set out in the preamble.
  • “Third Party Offerings” has the meaning set out in section 7.
  • “Third Party Terms” has the meaning set out in section 7.
  • “User Information” means (1) all Personal Information and other information about you that is: (a) an eligible Document provided to us by you, (b) other Personal Information provided to us by you, or (c) Personal Information provided to us by an Identity & Data Provider; and, (2) all Personal Information and other information about you that is stored in your Verified Credential.
  • “Verified App” has the meaning set out in the preamble.
  • “Verified Credential” means the digital artifact issued by us that is unique to you and stored on the Service after verifying your likely identity.
  • “Verified Terms” has the meaning set out in the preamble.
  • “you” or ”your” means the person who wishes to use the Service, and whose FI Credentials have been used to register for the Service.

SERVICE CLAUSES:

1. THE SERVICE

The Service is provided and operated by Interac. Interac will not charge you a fee to use the Service. In order to use the Verified App, you must create an Account and enable certain security features of your Electronic Access Device (such as your iOS or Android smartphone) for the Verified App, for example certain biometric access controls (e.g., Face ID on Apple iOS devices). If you disable, deactivate, tamper with, restrict, or otherwise limit these security features, the Verified Credential will be deleted from your Electronic Access Device and the Verified App will be reset. These security features are provided by the platform vendor of your Electronic Access Device and Interac is not responsible for any failure of security of such features.

In order to use the Service, you will be required to: (1) select a participating Financial Institution with which you have an online banking relationship; and, (2) provide photos of certain Documents and a video selfie of yourself. After completing these steps, we may issue you a Verified Credential unique to you to be stored in the Verified App on your Electronic Access Device if we are satisfied that your User Information (including such information provided by your Financial Institution and Documents) provide reasonable evidence of your identity. You may then share your User Information stored in the Verified Credential with Relying Parties with whom you choose to share such information in order to assist the applicable Relying Parties with their efforts to verify your identity.

When you provide your FI Credentials, your Financial Institution will authenticate you using your FI Credentials. The use of your FI Credentials to authenticate you is subject to and governed by the terms of your agreement with your Financial Institution.

Your Verified Credential and your User Information stored in the Verified Credential will not be shared without your authorization.

2. YOUR RESPONSIBILITY FOR USE OF YOUR ELECTRONIC ACCESS DEVICE, ACCOUNT, AND VERIFIED CREDENTIALS, AND THE ACCURACY OF YOUR USER INFORMATION

It is your obligation and responsibility to protect your Electronic Access Device, your Account, and the other information that you use to access and use your Electronic Access Device, including as may be required by your agreement with your Financial Institution. If you fail to secure your Electronic Access Device or your Account, third parties may be able to gain access to your Verified Credential and other User Information. If you suspect unauthorized use of your Electronic Access Device, your Account, or your Verified Credential, you should immediately notify us. Once the Service has been accessed and you have been issued a Verified Credential, you are responsible for any instruction or consent given regarding your Verified Credential and other User Information, including any sharing transaction where your Verified Credential or User Information has been provided to a Relying Party or another Identity & Data Provider.

Your Account is exclusively for you to manage your access to the Service, and your Verified Credential is exclusively for you to provide Relying Parties your User Information to assist them in their verification of your identity. Neither your Account or Verified Credential are for use by any third parties for any purpose. You are prohibited from transferring, or allowing others to use, your Account, or Verified Credential. You are solely responsible for ensuring that you keep your Account, Verified Credential, and Electronic Access Device secure. Do not share any of this information with others and notify us right away of any unauthorized use or suspected unauthorized use. You are solely and entirely responsible for all activities that occur under your Account or in connection with your Verified Credential.

The following are examples of what you are prohibited from doing with the Service, including the Verified Credential:

  • use the Service for any purpose other than assisting Relying Parties to verify your identity;
  • use the Service in any manner that is not permitted by this Agreement;
  • use the Service for any illegal, fraudulent, or harmful purpose;
  • reverse engineer, decompile, disassemble, modify, or create derivative works from the Service;
  • tamper with or modify, or attempt to modify, the Verified Credential;allow any third party to access the Service;
  • assault, interfere, deny service in any way or form to any other network, computer, or node through the Service;
  • attempt to gain unauthorized access to the Service, Accounts of other users, computer systems or networks connected to the Service, or bypass any measures we may use to prevent or restrict access to the Service (including the Verified Credential); or
  • interfere with or disrupt servers or networks connected to the Service.

You represent, warrant and agree that (1) all information you provide on or through the Service will be true, accurate, and complete, (2) you will update your User Information as necessary so that it remains true, accurate, and complete at all times, (3) you will not impersonate any person when submitting information to the Service, (4) you will only use the Service responsibly and in accordance with both Interac’s guidance and these Verified Terms, and (5) Interac, Identity & Data Providers, and Relying Parties are entitled to rely on the User Information you submit.

You will have an opportunity to review certain of your User Information that the Relying Party has requested be shared with them before you agree to share information with the Relying Party. You are responsible for ensuring that your User Information is accurate and up to date. You are also responsible for ensuring the accuracy of your User Information before you share it. If any User Information is inaccurate, you agree to notify the Interac or the applicable Identity & Data Provider that maintains such User Information before you agree to share that User Information through the Service. In addition, you agree that you will not knowingly use the Service to share any inaccurate User Information.

3. PERSONAL INFORMATION

When you agree to share your User Information stored in your Verified Credential with a Relying Party through the Service, you are providing express consent to share all Personal Information that is included in such User Information. Although certain of your User Information was originally collected by or on behalf of your Identity & Data Provider(s) under their respective terms and privacy policies, when you authorize your User Information to be shared with a Relying Party through the Service, you consent to the handling of all such User Information shared through the Service (including all Personal Information) in accordance with this Agreement, including, for greater certainty, the Privacy Policy.  

For more information about the collection, use and disclosure of your Personal Information as part of the Service, please see the Privacy Policy.

Once your User Information has been sent to a Relying Party through the Service, the Relying Party, and not Interac, is responsible for handling such User Information, and the handling of such User Information by Relying Party will be subject to the Relying Party’s privacy policies and practices and its agreements with you. Your User Information that is held by an Identity & Data Provider is collected, used, disclosed and retained by the Identity & Data Provider subject to its privacy policy and any agreements it has with you.

Neither Interac, nor any Identity & Data Provider is responsible or liable for any use or disclosure by any Relying Party of User Information provided through the Service.

4. MODIFICATION OF SERVICE OR TERMINATION OF SERVICE BY US

Modification

We reserve the right at any time to modify the Service, including the addition, modification or removal of Service features or functionality, and to modify, update, and upgrade the Verified App (collectively, a “Modification”). Information on Modifications will be made available through the Service in the Verified App. All Modifications will be subject to this Agreement. Subject to section 12, if applicable, your continued use of the Service after implementation of a Modification will mean that you agree to that Modification and its applicability to you.

Suspension or Termination

We reserve the right to interrupt, restrict, or limit your use of the Service (or any part thereof), or to temporarily suspend, or permanently discontinue or terminate, the Service (or any part thereof) or your use of the Service, at any time.

If you fail to comply with this Agreement, then, without limiting any other right or remedy available to Interac, Interac may suspend or terminate your use of all or any part of the Service.

5. DISCONTINUING THE USE OF THE SERVICE BY YOU

You may discontinue your use of the Service at any time by closing your Account.

You can close your Account in the Verified App by following the steps listed in the Verified App and in the FAQs available at https://www.interac.ca/en/resources/personal-resources/personal-faq/interac-verified/#faq-interac-verified-app. If you delete the Verified App from your Electronic Access Device, your Verified Credential will be deleted from your Electronic Access Device and you will not be able to access your Account or the Verified Credential without providing the recovery code offered to you in the Verified App. Interac is not able to access your Verified Credential data without the recovery code. Once the Verified App has been deleted from your Electronic Access Device, you are prohibited from using or accessing, or attempting to use or access, your Verified Credential or your Account, except through the recovery code described in the preceding sentence.

Closing your Account will mean that you will no longer be able to initiate new transactions to share your User Information stored in your Verified Credential and other User Information with Relying Parties. Sharing transactions that you previously authorized may not be completed, and you will not have access to any transaction records that summarize previous Account activities. On closing your Account, your Verified Credential will be deleted from the Verified App and your Electronic Access Device. However, closing your Account will not affect (1) any of the User Information held by third parties, including such information shared with your Relying Parties, or (2) any transaction records maintained by the Service.

If you wish to use the Service in the future after closing your Account, you will need to complete the Service registration process again and set up a new Account.

Deleting the Verified App from your Electronic Access Device will not close your Account, and deleting the Verified App or closing your Account will not affect any sharing transaction that you previously authorized.

6. INTELLECTUAL PROPERTY OWNERSHIP, RESERVATION OF RIGHTS

The Service is the intellectual property of Interac and its suppliers and licensors, and is protected by law, including the intellectual property laws of Canada, the United States and other countries, and by international treaty provisions. This Agreement does not grant you any ownership rights in or to the intellectual property in the Service. All rights in the Service are reserved by Interac and its suppliers and licensors.

7. THIRD PARTY OFFERINGS

The Service is designed to facilitate your interaction with various online services, websites, applications, and other products and services offered by Relying Parties (“Third Party Offerings”). Third Party Offerings are provided by the applicable third party and are not provided as part of the Service.

Your access to and use of any Third Party Offering is governed by your agreements with the Relying Party and the and the terms and conditions for such products or services established by the Relying Party (“Third Party Terms”). This Agreement does not change any Third Party Terms. You are solely responsible for fulfilling any commitments you make to the Relying Party making the Third Party Offering available to you.

No Released Party endorses or makes any representations, warranties or guarantees with respect to any Third Party Offering, or is liable to you in any way with respect to any Third Party Offering.

LIMITATIONS AND WARRANTIES CLAUSES:

8. No Warranties or Conditions

THIS SECTION 8 DOES NOT APPLY TO QUEBEC CONSUMERS.

PLEASE NOTE THAT APPLICABLE LAW IN SOME JURISDICTIONS DOES NOT ALLOW FOR THE EXCLUSION OR LIMITATION OF IMPLIED WARRANTIES, REPRESENTATIONS, OR CONDITIONS, SO THE PROVISIONS OF THIS SECTION 8 MAY BE LIMITED IN THEIR APPLICATION TO YOU. THIS SECTION 8 DOES NOT LIMIT ANY LEGAL RIGHTS THAT SUCH APPLICABLE LAW DOES NOT ALLOW YOU, AS A CONSUMER, TO WAIVE.

YOU AGREE THAT YOUR USE OF AND ACCESS TO THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND AN “AS AVAILABLE” BASIS AND “WITH ALL FAULTS” AND WITHOUT ANY WARRANTY OF ANY KIND OR NATURE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE SERVICE IS WITH YOU. ANY USE OF OR RELIANCE ON THE SERVICE SHALL BE AT YOUR SOLE RISK.

NO RELEASED PARTY WARRANTS, OR MAKES ANY CONDITION OR ANY OTHER TERM, REGARDING THE PERFORMANCE OR RESULTS YOU MAY OBTAIN BY USING THE SERVICE, THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, OR THAT THE SERVICE WILL BE ERROR-FREE, TIMELY, SECURE, OR UNINTERRUPTED.

WITHOUT LIMITING THE FOREGOING, NO RELEASED PARTY MAKES ANY REPRESENTATION, WARRANTY, CONDITION, OR OTHER TERM (EXPRESS, IMPLIED OR COLLATERAL WHETHER BY STATUTE, COMMON LAW, CUSTOM, COURSE OF DEALING, USAGE OF TRADE OR OTHERWISE) AS TO THE SERVICE INCLUDING NON-INFRINGEMENT OF THIRD PARTY RIGHTS, MERCHANTABILITY, TITLE, INTEGRATION, SECURITY, ACCESSIBILITY, AVAILABILITY, ACCURACY, RELIABILITY, QUIET ENJOYMENT, SATISFACTORY QUALITY, OR FITNESS FOR ANY PARTICULAR OR GENERAL PURPOSE. WITHOUT LIMITING THE FOREGOING, NO RELEASED PARTY MAKES ANY REPRESENTATION, WARRANTY, CONDITION, OR OTHER TERM THAT THE USE OF THE SERVICE OR THE ISSUANCE OF A VERIFIED CREDENTIAL WILL GUARANTEE THAT A RELYING PARTY WILL ACCEPT THE FOREGOING AS SUFFICIENT PROOF OF YOUR IDENTITY OR THAT THE DEMO IS A SAMPLE OF, OR REPRESENTATIVE OF, THE VERIFIED APP OR ANY OTHER ASPECT OF THE SERVICE, INCLUDING THAT THE PERFORMANCE OF, RESULTS OF, OR YOUR USER EXPERIENCE OF THE DEMO WILL BE REPRESENTATIVE OF THE PERFORMANCE OF, RESULTS OF, OR YOUR USER EXPERIENCE OF THE VERIFIED APP OR ANY OTHER ASPECT OF THE SERVICE.

9. Limitation of Liability

THIS SECTION 9 DOES NOT APPLY TO QUEBEC CONSUMERS.

PLEASE NOTE THAT APPLICABLE LAW IN SOME JURISDICTIONS DOES NOT ALLOW FOR THE LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE PROVISIONS OF THIS SECTION 9 MAY BE LIMITED IN THEIR APPLICATION TO YOU. THIS SECTION 9 DOES NOT LIMIT ANY LEGAL RIGHTS THAT SUCH APPLICABLE LAW DOES NOT ALLOW YOU, AS A CONSUMER, TO WAIVE.

INTERAC IS NOT CHARGING YOU FOR THE SERVICE BASED, IN PART, ON THE ALLOCATION OF LIABILITY BETWEEN YOU AND EACH RELEASED PARTY AS SET OUT IN THIS SECTION 9.

NO RELEASED PARTY WILL BE LIABLE FOR LOST PROFITS, LOST REVENUES, LOST BUSINESS, LOSS OF OPPORTUNITY, LOST INFORMATION, LOST USE, OR LOST DATA; LOSS OF PRIVACY; DAMAGE OR LOSSES FROM ANY PRIVACY BREACH, SECURITY BREACH, CYBERATTACK, OR ANY OTHER PRIVACY OR SECURITY INCIDENT; DAMAGE TO REPUTATION; INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE OR OTHER SIMILAR DAMAGES; ALL OTHER FINANCIAL LOSSES; OR, TO THE EXTENT PERMITTED BY APPLICABLE LAW, DIRECT LOSSES OR DAMAGES; IN EACH CASE, RELATING TO, ARISING OUT OF, OR IN ANY WAY IN CONNECTION WITH THIS AGREEMENT OR YOUR USE OF OR INABILITY TO USE THE SERVICE, HOWEVER ARISING AND REGARDLESS OF THE CAUSE OF ACTION (INCLUDING WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT PRODUCT LIABILITY, WARRANTY, EQUITY, OR OTHERWISE), EVEN IF ANY RELEASED PARTY KNOWS OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR IF SUCH DAMAGES ARE OTHERWISE FORESEEABLE AND EVEN IF ANY LIMITED REMEDY IS DEEMED TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

THIS AGREEMENT SETS FORTH THE ENTIRE LIABILITY OF THE RELEASED PARTIES AND YOUR SOLE AND EXCLUSIVE REMEDY WITH RESPECT TO THE AGREEMENT AND THE USE OR INABILITY TO USE THE SERVICE.

GENERAL CLAUSES:

10. ASSIGNMENT

You may not assign this Agreement. We may assign this Agreement to any successor provider of the Service by providing notice to you.

11. ENTIRE AGREEMENT

This Agreement represents the entire agreement between you and us concerning the Service.

In the event of any inconsistency or conflict with respect to IVS Verification between the terms and conditions of these Verified Terms and the terms and conditions of the IVS Terms, the terms and conditions of the IVS Terms shall prevail.

In the event of any inconsistency or conflict with respect to DVS Verification between the terms and conditions of the Verified Terms and the terms and conditions of the DVS Terms, the terms and conditions of the DVS Terms shall prevail.

12. Amendment and Termination of the Agreement

Amendment

We reserve the right at any time to amend this Agreement by notifying you of such amendment at [insert link] and/or through the Service when you next use it. Your continued use of the Service after being notified of an amendment will mean that you agree to the new form of this Agreement, as amended.

If you do not agree to an amendment, you must close your Account as contemplated in section 5. You cannot amend this Agreement.

Termination

You may terminate this Agreement at any time for any reason by closing your Account as contemplated in section 5.

This Agreement will terminate immediately without notice from us if you fail to comply with any provision of this Agreement, if we permanently terminate the Service or your participation in the Service or if your Account is permanently closed for any reason.

Upon the termination of this Agreement, you will no longer be able to access the Service.

13. Governing Law and Jurisdiction

If you reside or are domiciled in the Province of Quebec, this Agreement is governed by the laws of the Province of Quebec, and any dispute relating to this Agreement will be subject to the exclusive jurisdiction of the Courts of the Province of Quebec.

Otherwise, you agree that this Agreement is governed by the laws of the Province of Ontario, and that any dispute relating to this Agreement will be subject to the exclusive jurisdiction of the Courts of the Province of Ontario, in the City of Toronto.

14. Additional Provisions

If any part of this Agreement is found to be void or invalid and unenforceable, it will not affect the validity of the remaining provisions of this Agreement, which will remain valid and enforceable according to its terms. The failure to enforce any term of this Agreement on one occasion will not prevent enforcement on any other occasion or the enforcement of any other term. Headings and captions will not be considered included for purposes of interpretation or application hereof, but are for convenience only.

Unless otherwise required by applicable law (1) you agree that you may not bring a legal action, regardless of form, for any claim arising out of or related to this Agreement more than two years after the cause of action arose, and (2) upon the expiration of such time limit, any such claim and all respective rights related to the claim lapse.

Except as expressly stated in this Agreement, there are no third party beneficiaries to this Agreement. The parties expressly acknowledge and agree that the Released Parties are third party beneficiaries of this Agreement, and it is agreed that we are acting as agent and trustee for them in respect of their rights under this Agreement.

Every use of the words “including” or “includes” in this Agreement is to be construed as meaning “including, without limitation” or “includes, without limitation”, respectively.

15. Survival

Sections 2, 3, 5, 6, 8, 9, 10, 11, 13, 14, 15, and 16 and such other provisions that by their nature should survive termination will survive the termination of this Agreement for any reason.

16. Contact Information; Support

If you have any questions, suggestions or feedback (collectively, “Feedback”) about the Service or this Agreement, please submit such Feedback to feedback@interac.ca. By submitting Feedback to us, you agree that we may use such Feedback for any purpose related to the Service without any obligation to compensate you.

If you require any support or customer services with respect to the Verified App or the any other portion of the Service, please contact Interac at feedback@interac.ca or visit interac.ca/[•].

17. Copies of These Terms

A copy of this Agreement will be available through the Verified App and on our website at https://www.interac.ca/en/verification/personal/interac-verified-app/. If you wish to retain a copy of this Agreement, you may print it from our website or email it to yourself through the mobile application.