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Interac® Document Verification Service

Terms and Conditions

PLEASE READ THESE TERMS OF USE CAREFULLY.  THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS, AS WELL AS EXCLUSIONS AND LIMITATIONS ON LIABILITY.

By using or accessing the Interac® document verification service site, application, software or services (collectively, the “Services”), you agree that you will comply with and are bound by the following terms and conditions.  If you do not agree to these terms and conditions (referred herein as either the “Agreement” or the “Terms”), you may not use our website, software or Services. These Terms may be accessed via your device or on our website at https://www.interac.ca/document-verification-service/terms-and-conditions-and privacy-notice/ .  If you wish to retain a copy of these Terms, you may print them from our website.

The term “Interac”, “we”, “us” or “our” refers to 2859824 Ontario Limited, a subsidiary of Interac Corp.  The term “you”, “user” or “users” refers to you and other users of our Services.

Our software may be distributed or used in association with third party software components. Users are subject to the user agreements governing the use of such third party software components.  You must ensure that your use of the Services does not violate these Terms or the terms applicable to such third party components.

By clicking “Agree”,

  • you are agreeing to be bound by these Terms; and
  • you consent to the collection, use and disclosure of your personal information pursuant to the Privacy Statement accessible via https://www.interac.ca/document-verification-service/terms-and-conditions-and privacy-notice/#privacy-notice; and
  • you are confirming either 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.

This Agreement takes effect on the date that you click “Agree”.

1. Overview

Our Services provide a platform that facilitates digital identity verification capabilities, which may include document and facial recognition technologies along with proprietary data matching software that compares data from uploaded documents to data generated or held by other data providers, which may include your mobile service provider (or its authorized agent), a credit bureau or your financial institution.  Accessing any third party software, services or websites through our Services, or entering into any transaction with any third party, is done at your own risk, including any transaction with a digital asset consumer via the digital identity service offering known as the Interac ® verification service, which, for greater certainty, is distinguished in these Terms from the document validation service offered by Interac.  Any such transaction is solely the responsibility of the parties entering into the transaction.

Interac and its service providers are not responsible for the accuracy or completeness of any user information.  By uploading any materials, documents, images, information, data or other content to our service providers or our databases through the use of our Services, you warrant that you have the full legal right, power and authority to grant us, our service providers, our customers or any other user of our Services the rights and licenses described in these Terms. 

You are responsible for, and agree to abide by, all laws, rules and regulations applicable to your use of our Services and any transaction you enter into through the Services or in connection with your use of the Services.

We assume no liability or obligation to take any measures or actions to assist users to avoid potentially fraudulent or illegal activity associated with the content available through our Services. We, however, reserve the right to investigate any transaction that we believe, in our sole discretion, is abusing or has abused the Services, or is otherwise fraudulent or illegal.  If we provide warnings or messages to users about any such activity, we do not warrant that such messages are accurate, or that such messages will reach any or all users they should have reached in a timely manner or at all, or that such messages or measures will prevent any harm or otherwise have any impact. 

Use of our Services may result in charges incurred from your network operator or internet service provider.

2. Limited License

Users are granted a limited, revocable, non-transferable and non-exclusive license to: (a) access our Services solely in accordance with these Terms; (b) use our Services to upload user images, digital images of eligible documents or other materials for the purposes of helping verify your digital identity; and (c) to print out discrete information from the Services solely for internal, personal, non-commercial purposes.  Any use of our Services that is not in accordance with these Terms or as otherwise authorized by us in writing is expressly prohibited.

We may change, suspend or discontinue any aspect of our Services at any time, including the availability of any feature or content. We may impose limits on certain features of the Services, or restrict your access to all or part(s) of our Services, without notice to you.

Continued use of our Services may require you to download new software releases.

3. Unauthorized Uses

The license to use the Services granted to users in these Terms does not include any right of collection, aggregation, scraping, duplication or any derivative use of the Services, nor any right of use of data mining, robots, spiders or similar data gathering and extraction tools without our prior written permission.

Except in accordance with these Terms, you agree not to do any of the following without our prior written consent:

  • modify, translate into any language or computer language or create derivative works from any part of our Services;
  • decompile or reverse engineer any part of our Services;
  • sell, offer for sale, transfer or license any portion of our Services in any form to any third parties;
  • upload or transmit any material, document, image, information, data or other content using our Services that is in any way false, fraudulent, altered or misleading, or taking any action that may be considered phishing or that would give rise to criminal or civil liability;
  • use our Services for the purpose of gathering information for or transmitting unsolicited commercial messages;
  • use our Services in any manner that may infringe any copyright, intellectual property right, proprietary right, or property right of us or any third parties; or
  • use our Services in a manner that violates any applicable law or regulation, or that interferes with or disrupts Interac, our service providers, our customers or the network(s) that support our service providers and customers or our Services.

If you are aware of, or experience, any content, activity or communication through or in connection with our Services that appears to be in violation of the above restrictions, or in violation of any other provision of these Terms, please contact us.

You are entirely responsible for maintaining the confidentiality of your login ID and password that may be used for any activity on our Services, and for any and all activity that occurs under your account as a result of your failure to keep this information secure and confidential.  You agree to notify us immediately of any unauthorized use of your account, login ID, credentials or password, or any other breach of security about which you become aware.  You may be held liable for losses incurred by us, our third party service providers, our customers or any other user of our Services due to someone else using your account, login ID, credentials or password as a result of you failing to keep such information confidential.  You may not use anyone else’s account, login ID, credentials or password at any time without our express permission and consent. 

4. End User Information, Materials, Images and Documents

It is your responsibility to ensure that all of your materials, documents, images, information, data or other content (“User Data”) submitted through our Services is accurate and up to date.  We have no obligation to screen or review any User Data provided by users through our Services.

All User Data submitted by you is your sole responsibility and we specifically disclaim any and all liability arising therefrom, except to the extent such liability arose from our breach of these Terms, is otherwise permitted under applicable laws, or is otherwise set out in this Agreement.

You represent and warrant that you own or otherwise control and have all necessary legal rights to any User Data provided by you. We reserve the right to request proof of ownership or permission, and to refuse to permit the transmission of any User Data using our Services for any reason.

Once you submit your User Data to Interac or to our service providers, you will not be able to cancel the transaction under which information generated by the Service is provided to our customers, including financial institutions.  By submitting User Data, you grant to us a perpetual, worldwide, irrevocable, transferable, non-exclusive, royalty-free and fully paid-up license to use, display, analyze, modify, reproduce, distribute, transmit, create derivative works from such User Data in any manner to provide the Services.

5. Privacy

Any personal information you provide to us will be collected, used and disclosed in accordance with the privacy statement concerning the Services available here (the “Privacy Statement”).  Information about your use of our Services, such as analytics data, transaction times and gross transaction volumes, may be included in an anonymized fashion in aggregate reports generated for marketing purposes or for our reasonable business purposes.  You agree that through your use of and access to our Services, you consent to the collection, use and disclosure of your personal information, in accordance with our Privacy Statement, including the transfer of such information to countries other than your country of residence for storage, processing and use by us, our authorized service providers or their respective affiliates. 

You expressly agree that:

  • Interac or its service providers may share any of your User Data (including any personal information that is included in such User Data) with an Interac customer, which may include a financial institution, that has requested you to use our Services for the purposes of facilitating the provision of services to you; and 
  • other data providers, which may include your mobile service provider (or its authorized agent), a credit bureau or your financial institution, are permitted to share information (including any associated personal information) with Interac or its service providers for the purpose of providing services to you or other Interac customers.

When engaged in an Interac ® verification service sharing transaction, if you agree to share any User Data with an eligible service provider that participates in the Interac ® verification service (a “Relying Party”), you are providing express consent to share all personal information that is included in such User Data.

All personal information shared through the Services shall be handled in accordance with this Agreement and our Privacy Statement.  When you authorize your User Data, including any personal information, to be shared with a Relying Party through the Interac ® verification service, the Interac ® verification service user terms and conditions apply.

We may disclose any information that we have about you (including your identity and other personal information) if we determine that such disclosure is necessary in connection with any investigation or complaint regarding your use of our Services (for example, as a result of an actual (or suspected) unauthorized transaction), or to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, or the rights or property of our service providers or users of our Services, provided such information will be disclosed only in accordance with our Privacy Statement.  We also reserve the right at all times to disclose any information (including your identity and other personal information) that we deem necessary to comply with any applicable law, regulation, legal process or governmental request.

6. Intellectual Property Rights

The content, organization, graphics, images, logos, icons, audio clips, design, software, compilations, magnetic translation, digital conversion and other matters related to our Services are protected under applicable copyright, trademark, patent and other proprietary (including, but not limited to, intellectual property) laws and regulations.  The copying, redistribution, use or publication by you of any such materials or any part of our Services, except as explicitly permitted under these Terms, is strictly prohibited.  You do not acquire any ownership rights to any material, images, information, data or other content viewed through our Services or made accessible by our Services.  Some of the material, images or content on our website or viewable through our Services may be the copyrighted work or otherwise proprietary material of third parties.  The trademarks and logos of our customers used by us on our website or viewable through our Services are owned by our customers and used by us under license.  You do not obtain any intellectual property rights or license in or to our customers’ trademarks or logos.

7. Unsolicited Ideas and Feedback

You may submit ideas or suggestions pertaining to our business, including the Services, to us, such as ideas for new or improved products or technologies, website or tool enhancements, processes, materials, marketing plans or new product names.  If you provide any ideas or suggestions  to us, you agree that: (i) your submission and its contents, or any derivative work therefrom, will automatically become the property of Interac, without any compensation to you; (ii) Interac may use or redistribute any such submission and its contents for any purpose and in any way; (iii) there is no obligation for Interac to review or consider any submission; and (iv) there is no obligation to keep any submission confidential. 

8. Links to Third-Party Services

The Services are designed to facilitate your interaction with various online services, websites and applications offered by Relying Parties participating in the Interac ® verification service and other third parties, including your access to or purchase of any products, services or information from them (“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 the terms and conditions respecting such Third Party Offering found on or through the applicable website, application or elsewhere (“Third Party Terms”). This Agreement does not change any Third Party Terms. You are solely responsible for fulfilling any commitments you make to the third party making the Third Party Offering available to you.

Interac does not endorse or make any representations, warranties or guarantees with respect to any Third Party Offering, and expressly disclaims any liability to you with respect to any Third Party Offering.

9. Limitation of Liability

If you are a consumer within the meaning of applicable provincial or territorial consumer protection legislation, this section does not limit any legal rights that such legislation does not allow you as a consumer to waive. In particular, the limitation of Interac’s liability for the consequences of its acts will not apply if (1) the Consumer Protection Act (Quebec) applies to this Agreement, and (2) you are a consumer within the meaning of that Act and you reside or are domiciled in the Province of Quebec. The liability of Interac and its affiliates, service providers, customers (including financial institutions) and any other user of our Services and all of their respective directors, officers, employees and agents (collectively, “Released Parties” and each individually a “Released Party”) will be limited to the fullest extent permitted by applicable law.

Interac is not charging you for the Services based, in part, on the allocation of liability between you and each Released Party as set out in this section.

No Released Party will be responsible for lost profits, revenues, business or data; loss of privacy; damage to reputation; indirect, incidental, special, consequential, exemplary or punitive or other similar damages; or, to the extent permitted by 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, regardless of the cause of action (for example, contract, tort or otherwise), even if any Released Party has been advised of the possibility of such damages.

No Released Party is responsible or liable for any use or disclosure by any third party (or Relying Party, as applicable) of User Data provided to that party through the Service. This Agreement sets forth the entire liability of the Released Parties and your exclusive remedy with respect to the Services and their use.

10. Disclaimers

You agree that your use of and access to the Services is at your sole risk. The Services are provided on an “as is” and an “as available” basis.

No Released Party warrants the performance or results you may obtain by using the Services or that the Services will be error-free or uninterrupted, except to the extent any warranty, condition, representation or term cannot or may not be excluded or limited by law applicable to you in your jurisdiction.

Without limiting the foregoing, no Released Party makes any representations, warranties or conditions (express, implied or collateral whether by statute, common law, custom, course of dealing, usage of trade or otherwise) as to the Services 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.

11. Modifying, Suspending and Terminating our Services

Modification

We reserve the right at any time to modify the Services, including the addition, modification or removal of Service features or functionality (collectively, a “Modification”). All Modifications will be subject to this Agreement. Subject to the remainder of this section, if applicable, your use or continued use of the Services after implementation of a Modification will mean that you agree to that Modification and its applicability to you.

Suspension

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

Termination

You may terminate this Agreement by providing us written notice at legal@interac.ca.

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, if any, is permanently closed by us for any reason.

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

12. Disputes

In the event of a dispute, we want to address your concerns without needing a formal legal case. Before filing a claim against us, we encourage you to contact us and we will make good faith efforts to resolve your concerns.

13. General

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

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 here of, 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.

You may not assign this Agreement. We may, at any time and without notice to you, assign this Agreement to any successor provider of the Services.  Without limiting the foregoing, we may, in our sole discretion, notify you of any assignment of this Agreement.

The failure of Interac to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

No provision of these Terms provides any person or entity not a party to these Terms with any remedy, claim, liability, reimbursement, or cause of action, or creates other third party beneficiary rights.

We reserve the right at any time to amend this Agreement by notifying you of such amendment. Your use or 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 immediately stop using our Services. You may not amend this Agreement.

We shall not be liable for unforeseen delays in performing any of our obligations under these Terms, or for delays that were not reasonably within our control, and will be entitled to a reasonable extension of time for the performance of such obligations.

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.

Sections 3, 4, 6, 7, 8, 9 10, 12 and 13, and such other provisions that by their nature should survive termination will survive the termination of this Agreement for any reason.

Interac and the Interac logo are trademarks of Interac Corp.

Interac® document verification service – Privacy Policy

This Privacy Policy explains how 2859824 Ontario Limited (“Interac”, “us”, “we”, “our”), a subsidiary of Interac Corp., collects, uses, discloses, stores, safeguards, processes and retains personal information in the course of offering and providing the Interac® document verification service. Our services facilitate digital identity verification capabilities, which may include document and facial recognition technologies along with data matching services that compares data from uploaded documents to data that you provide or that is generated or held by other data providers, including your mobile service provider (or its authorized agent), a credit bureau or your financial institution.

This policy does not apply to the practices of companies or other entities that Interac does not own or control, or to people that Interac does not employ or manage.  When you supply, or authorize us to supply, personal information to a third party, the third party’s handling of that personal information is governed by the third party’s privacy policy.

1. What is “personal information”?

“Personal information” means information about an identifiable individual.

2. What personal information do we collect?

Interac collects personal information that you provide or authorize third parties to provide when you register for, use or interact with our software, services or website.  More specifically, Interac may collect your name, address, telephone number, email address, information from your mobile service provider (e.g., certain account or SIM card information, including date of last change), geographic location information, selfies, and images and information of documents that you upload or provide through our services, which may include images of your driver’s license, passport, health card, and other government issued documents.  We may also collect information relating to the document status of any document that you upload or provide through our services, your internet protocol (IP) address, device ID and other similar information, including anonymized website usage data.

3. How do we use personal information?

We collect your personal information:

  • to provide you or third parties with services, including document validation and other digital identity services;
  • to provide support for our services, to respond to your queries and to send you information about our services;
  • on behalf of certain eligible service providers (each, a “Relying Party”) that participate in the Interac verification service operated by Interac, provided that Interac hosts certain components required for a Relying Party’s use of the Verified.Me service;
  • for legitimate business purposes, including record keeping and to protect our rights, to enforce our policies; and
  • to create aggregate information to enhance and optimize our services.

4. When do we disclose personal information?

We share your information with third parties in the following circumstances:

  • if you use the Interac verification service provided by Interac to help verify your identity with a third party service provider we will, with your consent, share your personal information with the relevant Relying Party(ies) engaged in the Interac verification service transaction;
  • if you are using our document validation service, we will share your personal information with the parties involved in the document validation transaction;
  • when service providers perform services and functions on our behalf, including data hosting, the provision of additional information to support document validation and other identity validation services, and document and image validation;
  • as required by law, to a government or regulatory authority in response to a legal investigation;
  • in response to a court order, subpoena, discovery request or other lawful judicial or administrative proceeding;
  • as otherwise required by any applicable law, rule or regulation;
  • in good faith, to protect or defend the rights or property of Interac and other customers or users; and
  • in the event that we go through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of our assets.

Your personal information may be transferred to or stored or processed by us or our service providers in countries other than Canada.  By using our services, you consent to the transfer of your personal information to countries outside your country of residence, which may have different personal data protection rules than in your country.

Once you submit your personal information to Interac or to our service provider, you will not be able to cancel the transaction under which information generated by the service is provided to our customers, including financial institutions. 

5. How long do we retain your personal information?

We will retain your personal information only for as long as necessary for the purposes for which it was collected.  We will also retain data for as long as necessary to meet our legal obligations.  Without limiting the foregoing, when you provide images of documents for our document validation service, we will promptly delete the document image from our systems following the completion of the transaction, though our service providers may store the image for up to 60 days.  In the event that we host your personal information on behalf of a Relying Party participating in the Interac verification service network, such information will be retained in accordance with our agreement with that Relying Party.

6. How do we protect your personal information?

The file containing your personal information will be maintained on our servers or those of our service provider(s) and will be accessible by authorized employees, contractors and service providers who require access for the purposes described in this policy. We have implemented technical, organizational and physical security measures appropriate to the sensitivity of the information and that follow standard industry practices to safeguard your personal information. These measures are designed to protect your information from unauthorized, accidental or unlawful access, disclosure, use and modification. From time to time, we review our security procedures to consider appropriate new technology and methods.

7. How do you access your information or inform us about inaccurate information?

It is your responsibility to inform us of any inaccurate personal information about you that is provided to us.  You can request to access, correct, update and delete your personal information at any time by contacting our Privacy Office.

8. How do you withdraw your consent to this policy?

You may withdraw your consent to the collection, use and disclosure of personal information about you at any time.  To do this, please contact our Privacy Office.  Withdrawal of your consent to the collection, use and disclosure of your personal information may result in us being unable to continue to provide services to you, including being unable to validate any images or documents through our services.

If you request to delete your personal information, we will fulfil your request, but some personal information may persist in backup copies for a certain period of time, and may be retained as necessary for legal purposes, in accordance with this policy and applicable laws.

9. Additional information about cookies and other information

Our website uses cookies.  A cookie is a small text file created by a website that is stored in the user’s device either temporarily for that session only or permanently on the hard disk (persistent cookie). Cookies provide a way for the website to recognize you and keep track of your preferences.  By using our website and agreeing to this Privacy Policy, you consent to our use of cookies in accordance with the terms of this policy. 

We also collect, use, transfer and disclose data in a form that does not, on its own, permit direct association with any specific individual, including information about your electronic access device, such as its model, operating system, device ID and MAC address.

10. Amendments to this Privacy Policy

We may amend this Privacy Policy at any time, without notice to you, by updating this webpage or the application on which this policy is located.  We will notify you of such a change by announcing the change on our website or providing a notice on our software application (or by such other means as may be appropriate given the circumstances).  Your continued use of our website, software or services constitutes your consent to the contents of any updated policy.

11. Privacy of children under the age of 13

We do not knowingly collect personal information from anyone under the age of 13.  If we become aware that we have inadvertently captured any personal information about a person who is under 13 years of age, we will take the appropriate steps to delete any such personal information.

12. Privacy Officer

If you have any questions or concerns about this Privacy Policy, or if you would like to make an inquiry about your personal information, please contact our Privacy Office at privacy@interac.ca, by phone at 416-477-5625, or in writing to Interac Privacy Office, 200 Bay Street, Suite 2400, P.O. Box 45, Toronto, ON M5J 2J1.