LemFi Card and Account Agreement

This Agreement applies to your use of the Card. By activating, signing and/or using the Card, you are agreeing to these terms and conditions and fees outlined below.

1. Information Disclosure Summary

By providing us with a telephone number for a cellular phone or other wireless device, including a number that you later connect to a cellular device, you are expressly consenting to receiving communications including but not limited to prerecorded or artificial voice message calls, text messages, push notifications, e-mails and calls made by an automatic telephone dialing system from us, our affiliates and our agents (including, but not limited to, Program Manager) at that telephone number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider.

1.1 Card Issuer
This card is issued by Peoples Trust Company under license by Mastercard International Incorporated.

1.2 Card Information and Balance
For up-to-date Card terms and conditions, to obtain the expiry date of your Card, if you have questions regarding the Card Balance, or to log a complaint, you may call customer service at 1-844-230-0516 or log into the LemFi app for free.

1.3 Card Restrictions

• You must be of age of majority in the province of territory where you purchase the Card.
• Card is not available to residents in the province of Quebec.
• Cardholders are restricted to one Card per person. You may not resell the card.
• Card is reloadable. You may not add funds to the Card via wire transfer.
• Use of the Card in certain countries may be restricted by law.
• You do not have the right to stop the payment of any transaction you conduct with the Card.
• Regular pre-authorized debit (PAD) transactions, where you authorize a company or organization to withdraw funds from the Card, are not permitted. All PAD transactions will be rejected and Peoples Trust will not be liable for any costs incurred by you as a result.
• You may not use your Card to commit any illegal, improper or prohibited activity.
• Card may be deactivated at any time if fraud, related to the Card or use of the Card, is suspected.
• The Card is subject to maximum transaction limits, as set out below. Peoples Trust may change these limits in accordance with Applicable Law and will post notice on www.lemfi.com and on the mobile app at least thirty (30) days in advance of the date such change is to come into effect. The change will take effect on the date indicated in the notice. Your continued use of the Card, after the change to the limits has come into effect, will be taken as your acceptance of that change.
• A virtual card cannot be used to withdraw funds from an ATM.
• A virtual card cannot be marked as ‘lost’ as it is on the mobile app. However, it can be disabled by you at any time.
• A virtual card cannot be used in a point-of-sale location, unless you have added the virtual card to your mobile wallet.

Subject to change. These limits are determined based upon risk management policies and may change from time to time. This chart is representative and reflects the limits at the time of publication of this Agreement. Current limits and a full copy of this Agreement are always available at www.lemfi.com. You should regularly check these limits to ensure you have current information and monitor your mobile app notifications for changes.

1.4 Card Expiry and Access to Funds
Your right to use the funds loaded on the Card does not expire. If funds remain on the Card after the expiry date, contact customer service for information on how to receive a replacement Card.

1.5 Fees
The table below sets out the fees that may be imposed upon the Card. You acknowledge being advised of the fees and agree to pay all fees charged under this Agreement.

Subject to change. See terms and conditions below for details. Funds loaded onto the Card are not insured by the Canada Deposit Insurance Corporation (CDIC).
ATMs fees determined by ATM operators, over which we have no control.

1.6 Lost or Stolen Card or PIN
You must take all reasonable steps to protect the Card and/or PIN against loss, theft, or unauthorized use. You should not maintain a written record of, or disclose the PIN to a third party, including family members and friends. If you lose the Card and/or PIN or you become aware that the PIN may have become known to someone else, you must call customer service immediately at 1-844-230-0516. Avoid PIN combinations that may be easily guessed by others. All transactions carried out on the Card before you notify us will be considered to have been made by you.
The PIN may be disabled if an incorrect PIN is entered three (3) times. If the PIN is disabled, please call customer service for assistance. If the PIN is disabled, or if a merchant does not accept chip and PIN transactions, you will be required to sign for any transactions at merchants, provided that this is supported by and acceptable to the merchant.

1.7 Split Tender Transactions
If the Balance on your Card is insufficient to cover the full Transaction Amount, you may request the merchant to conduct a split tender transaction, which is where you use the Card as partial payment of the Transaction Amount and then pay the remainder of the amount with another form of payment (e.g. cash, cheque, credit or debit). If you fail to inform the merchant that you would like to complete a split tender transaction prior to swiping your Card, your Card may be declined. Some merchants may require payment for the remaining Balance in cash. Merchants do not have to and may not agree to accept split tender transactions.

1.8 Key Cardholder Responsibilities Under this Agreement

• You must take all reasonable steps to protect the Card (and PIN, if applicable) against loss, theft, or unauthorized use. If you lose the Card (or PIN), you must call customer service immediately.
• You must activate and/or sign the Card as instructed upon receipt of the Card.
• You must surrender the Card to us immediately upon request by us.
• You must ensure that there is a sufficient Balance on the Card to cover the full amount of transactions made with the Card.
• If your information, associated with the Card, changes, you must notify us of the change(s).
• If you become aware that your information, associated with the Card, is incorrect, you must notify us of the correct information
• If you find an error in any transaction record, you must communicate the error to the merchant with whom you made the transaction.
• If you wish to dispute a transaction on your Card, you must notify us in writing of your dispute within sixty (60) days of the transaction date.
• You must only use our online resources as set out in ‘Website and Availability’, below.

2. Detailed Terms and Conditions

2.1 Definitions

• ‘Agreement’ means this Lemonade Technology, Ltd. Prepaid Mastercard Cardholder Agreement between Peoples Trust and the Cardholder and all documents that are expressly referred to in this Agreement, which govern your use of the Card, as amended from time to time.
• ‘Amendment’ refers to any change to a term or condition of this Agreement or to the addition of a new term or condition.
• App’ means the LemFi mobile application operated by LemFi and available from the Apple App Store or Google Play™ Store.
• App’ means the LemFi mobile application operated by LemFi and available from the Apple App Store or Google Play™ Store.
• ‘Applicable Law’ means, in relation to any person, property, transaction or event, all applicable provisions of: (a) statutes, laws (including the common law), rules, regulations, decrees, ordinances, codes, proclamations, treaties, declarations or orders of any Governmental Authority; (b) any consents or approvals of any Governmental Authority; (c) any orders, decisions, advisory or interpretative opinions, injunctions, judgments, awards, decrees of, or agreements with, any Governmental Authority; and (d) any bylaw, operating rule or regulation of Mastercard, in each case applicable to or binding upon such person, property, transaction or event.
• ‘Balance’ means the total amount of available funds on the Card.
• ‘Card’ refers to the LemFi Prepaid Mastercard Card activated, received, signed or used by the Cardholder.
• ‘Cardholder’ means you or any other person who has received, activated, signed or used the Card.
• ‘Governmental Authority’ means the government of Canada or of any other nation, or of any political subdivision thereof, whether state, provincial, territorial or local, and any agency, authority, instrumentality, regulatory body, court, central bank or other entity exercising executive, legislative, judicial, taxing, regulatory or administrative powers or functions of or pertaining to government, including any supra-national bodies, a Minister of the Crown, the Office the Superintendent of Financial Institutions or other comparable authority or agency.
• 'LemFi’ means Lemonade Technology Ltd., doing business as LemFi.
• ‘Mastercard’ means Mastercard Incorporated, and its affiliates, successors and assigns.
• ‘Mastercard Conversion Rate’ means the rate that we pay to Mastercard to convert foreign currency to Canadian currency.
• ‘Mobile App’ or ‘App’ means the LemFi Prepaid Mastercard Card mobile application operated by us.
• ‘PCI DSS’ means a multifaceted security standard defined by Payment Card Industry Security Standards Council and includes requirements for security management, policies, procedures, network architecture, software design and other critical protective measures.
• ‘Peoples Trust’ means Peoples Trust Company and its affiliates, successors and assigns.
• ‘Personalized Card’ means a LemFi Prepaid Mastercard Card personalized with your name.
• ‘PIN’ means a Personal Identification Number used with your Card for POS transactions or at ATMs for additional security.
• ‘POS’ means point of sale, where you can use the Card to purchase goods or services from a merchant.
• ‘Transaction Amount’ is the amount that is debited from the Balance in connection with your use of the Card to purchase goods or services, which includes the amount of the Balance to be transferred, the Card service charges and the taxes imposed to complete the transaction.
• ‘we’, ‘us’, and ‘our’ mean Peoples Trust and our assignees.
• ‘Website’ means www.lemfi.com.
• ‘you’, ‘your’, and ‘yours’ mean the Cardholder.

2.2 Acceptance
This Agreement constitutes a binding agreement between you and us with respect to the terms of use of the Card.

2.3 The Card
The Card is a prepaid Mastercard card that can be used anywhere that Mastercard is accepted, including mail order, online, telephone and POS retail merchants, subject to the terms of this Agreement.

2.4 Activating the Card
The Card cannot be used for any purpose until it has been activated in accordance with the instructions on the activation sticker and signed by you on the back of the Card where indicated. Upon activation, you will be charged a one-time activation fee in the amount set out in the table marked ‘Fees’ in the Information Disclosure Summary section at the beginning of this Agreement.

2.5 Ownership and Use of the Card
To use the Card, simply present the Card at the time of payment and enter your PIN (or sign the receipt with the same signature you used when you signed the Card). The Card can be used to pay the full amount of the purchase and applicable taxes, so long as the Balance remaining on the Card is sufficient. The Card is, and will remain, our property; resale of the card is not permitted. The Card is not a credit card, charge card, or debit card, and its usage will not enhance nor improve your credit rating. No interest dividends or other earnings or returns will be paid on the Card. Neither the Card nor the Balance is a deposit account. You have no right to write cheques on, or demand repayment of, the outstanding Balance on the Card, but are strictly limited to the right to use the Card, in accordance with this Agreement, as payment for goods and services from merchants who accept Mastercard. As you use the Card, the Card’s Balance will be reduced by the full amount of each purchase including taxes, charges and other fees, if any. If you use the Card for card-not-present transactions (for example, transactions performed by Internet, mail or phone), the legal effect is the same as if you used the physical Card. The Card can be used without a PIN to make purchases online. You should retain the receipt as a record of the transaction.
The Card includes a PIN that can be used to withdraw any Balance available on the Card in cash at any ATM displaying the Mastercard or Cirrus® acceptance marks. When you use the Card at an ATM, the amount of the withdrawal, plus any applicable fees and taxes, will be deducted from the available Balance associated with your Card.
Your Card can also be used at any POS that accepts Mastercard contactless transactions, subject to merchant purchase limits.
You are solely and completely responsible for the possession, use, and control of the Card. You must surrender the Card to us immediately upon request by us. The Card is provided to you only. If you authorize another person to use the Card, you agree, to the extent permitted by law, that you will be liable for all transactions arising from use of the Card by such person.
You agree that, if a merchant requires that you sign a sales draft, we are not required to verify your signature on any sales draft prepared in connection with a transaction on the Card and we may authorize and process a transaction even if the signature on the sales draft is different than the signature on the Card.
You do not have the right to stop the payment of any transaction you conduct with the Card. We are not liable to you for declining authorization for any transaction, regardless of our reason. We may, in our sole discretion, cancel or suspend any features or services of the Card at any time, with or without cause, with thirty (30) days’ notice to you or as otherwise required by Applicable Law.
You should receive a digital or paper record of each POS transaction or ATM transaction for which you use the Card. If you identify an error in any transaction record, you must address the error directly with the merchant or ATM operator.
It is your responsibility to obtain such record and ensure that it is accurate. We are not responsible for providing you with any transaction record or periodic statement.
Some merchants (including, but not limited to, restaurants, hotels, or car rental companies) may pre-authorize the Transaction Amount for the purchase amount plus up to 20% (or more) above the purchase amount to ensure that there are sufficient funds available on the Card to cover any tips or incidental expenses. In such cases, your transaction will be declined if the Balance will not cover the Transaction Amount plus the additional pre-authorization percentage.
A pre-authorization will place a hold on an amount of your available Card funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the pre-authorization amount on hold in excess of that final payment amount will be released
During the hold period, you will not have access to the pre-authorized amount.

2.6 Loading Funds
The Card is reloadable and the methods available for adding or transferring funds to the Card are listed on the Website. The load methods may change from time to time. Some load methods are offered by third party service providers and are subject to additional fees. See the Website and the applicable service providers’ terms and conditions for more details. Subject to applicable Card fees, funds loaded to the Card in-store or via card-to-card transfer will be available immediately after the load is confirmed by us. The time before funds become available may vary for other load methods.
The funds provided by you to load a Balance onto the Card and the Balance on the Card are not a deposit, and they do not establish a separate individual deposit account with us or any other Canadian financial institution. You will not receive interest on the Balance or on any funds you load onto the Card.

2.7 Information about Balance
It is your responsibility to ensure that there is a sufficient Balance on the Card to cover transactions plus any pre-authorized amounts. To obtain the current Balance amount, or the transaction history, call customer service toll-free at 1-844-230-0516 or visit the LemFi App. You may also sign up for email alerts. The Balance will reflect all transactions that have been posted to our system. You are not allowed to exceed the Balance available on the Card for any transaction.
If you attempt to use the Card when there is insufficient Balance available to cover the full Transaction Amount, the transaction in most instances will be declined. However, if due to a system malfunction or for any reason whatsoever, a transaction occurs despite insufficient Balance on the Card, creating a negative amount, you agree to reimburse us, upon request, for the amount of the Transaction Amount in excess of the Balance.
If there is no activity on the Card for one hundred and eighty (180) consecutive days and the Balance on the Card is $0.00 or negative, we will put the Card into a suspended state so that no other transaction can be processed. Please call customer service if you wish to continue using the Card.
If the Card has a Balance of $0.00 or negative and there have been no transactions for three hundred and sixty-five (365) days, we may close the Card account.

2.8 Transactions Made in Foreign Currencies
We convert transactions made in a foreign currency to Canadian dollars using the Mastercard Conversion Rate in effect on the day the transaction is posted to your Card. The Mastercard Conversion Rate in effect on the posting date may differ from the rate in effect on the date of the transaction. However, if a foreign currency transaction is refunded to your Card, the Mastercard Conversion Rate used to convert your refund to Canadian dollars for the Card is the rate that we pay to Mastercard. Additionally, the rate that we pay to Mastercard may not be the same as the rate that existed on the date the transaction was refunded. For these reasons, the amount that is credited to your Card for a refund of a foreign currency transaction will, in most cases, be less than the amount that was originally charged to the Card for that transaction.

2.9 Protection Against Loss, Theft or Unauthorized Use
If your Card is lost or stolen, you will be asked to provide us with your name, the Card number, the expiry date, and the original Card value and transaction history. We cannot re-issue a Card if you do not have your Card number. If you lose the Card, someone might be able to use the Balance on the Card. We will refund any remaining Balance (less the Card refund / cancellation fee) after we have processed all transactions completed before we had an opportunity to act on your information. A replacement Card with any remaining Balance (less our fees as stated in the table marked ‘Fees’) will be issued within 7 days after you report the Card lost or stolen to ensure that all transactions have been processed properly. We will have a customer service representative or automated voice response service available seven (7) days a week, twenty-four (24) hours a day that will allow immediate cancellation of the Card upon your request. We recommend that you write down the Card number and the customer service number in case the Card is lost or stolen.
You agree, to the extent permitted by Applicable Law, to cooperate with us in our attempts to recover from unauthorized users and to assist in their prosecution.
The Mastercard Zero Liability Policy applies to purchases made in-store, via telephone, online, or from a mobile device as well as transactions at an ATM. As a cardholder, you will not be held responsible for unauthorized transactions if:

• you have exercised reasonable care in protecting the Card and PIN from loss or theft, and
• you promptly reported the loss or theft of the Card or PIN to Peoples Trust.

If these conditions are not met you will be liable for all unauthorized transactions completed before you reported the loss of theft of the Card or PIN to Peoples Trust. Verification of a Zero Liability claim can take up to one hundred and twenty (120) days once all the required forms and/or documents have been received and confirmed by Peoples Trust, and may require a police investigation.

2.10 Notification and Change of Terms
Subject to the limitations of Applicable Law, we may from time to time amend any term or condition of this Agreement or add new terms or conditions to this Agreement, including increasing or adding new fees.
As required by Applicable Law, notice of any Amendments will be sent to you at the most recent email address and mobile app that we have on record for you. We must, at least thirty (30) days before the Amendment comes into force, send you a written notice drawn up clearly and legibly, setting out the new clause(s) only, or the amended clause(s) and the clause(s) as it (they) read formerly, the date of the coming into force of the Amendment and your rights set forth below.
You may refuse the Amendment and rescind this Agreement without cost, penalty or cancellation indemnity by sending us a notice to that effect no later than thirty (30) days after the Amendment comes into force, if the Amendment entails an increase in your obligations or a reduction in our obligations. If you choose to rescind this Agreement, the Cancellation section of this Agreement will apply. The change will take effect on the date indicated in the notice. You are responsible for informing us of any change in your mailing or email address, by contacting customer service at 1-844-230-0516. Notice will be deemed to be received by you the next business day after electronic mail.

2.11 Cancellation
You may at any time terminate this Agreement by calling 1-844-230-0516. We may terminate this Agreement at any time, at which time you must immediately return the Card to us or as we direct, provided that if you are not in default of your obligations under this Agreement, we will notify you in writing at least thirty (30) days before the date of termination We may terminate this Agreement at any time, with or without cause. Upon Agreement cancellation, your Card will also be cancelled, and you should destroy it immediately. Once the card is cancelled, your remaining funds on your Card will be moved into your primary account with LemFi. Despite any termination of this Agreement, you must fulfil your obligations under this Agreement.

2.12 Purchase Disputes and Refunds
If you believe a transaction on your Card account is incorrect, you must notify us in writing either by mail or email, of your dispute within 60 days of the transaction date. Following your notification, a form will need to be completed and sent to the customer service team within 7 days of the transaction date through the following methods of delivery: email Need from Galileo You can obtain a dispute form by calling 1-844-230-0516 and following the prompts for lost or stolen cards. Please note that this form must be received within 7 days of the date of the disputed transaction or you will have been deemed to have accepted such transaction.
If there is any dispute in regard to the purchase of goods or services you made using the Card, and you agree to settle such disputes with the merchant from whom any such goods or services were purchased, please ask the merchant for any return policy that may apply to purchases made with the Card. We are not responsible for the delivery, quality, safety, legality or any other aspect of any goods or services you purchase with your Card.

2.13 Arbitration
Not applicable to residents of Quebec. To the extent permitted by Applicable Law, you agree that any claim or dispute arising out of or relating to this Agreement (i) shall be resolved by final and binding arbitration before a single arbitrator at Vancouver, British Columbia and (ii) shall not be brought through class or individual litigation proceedings. If such a claim is advanced by class proceeding by any other person on your behalf, you will opt out of, or not opt into, such proceedings as circumstances dictate.

2.14 Complaints
If you have a complaint or inquiry about any aspect of your Card, first attempt to resolve the complaint or inquiry by calling our toll-free customer service number at 1-844-230-0516.
If customer service is unable to resolve the complaint or inquiry to your satisfaction, please call us at 1-855-694-6214 or submit your complaint or inquiry through the form found on the Website at http://www.peoplestrust.com/en/about-us/contact/.
We will do our best to resolve your complaint or inquiry. If for some reason we are unable to resolve the issue to your satisfaction, you may refer your inquiry or complaint to the Ombudsman for Banking Services and Investments at 1-888-451-4519 for resolution.
If the Cardholder has a concern regarding a potential violation of a consumer protection law, a public commitment, or an industry code of conduct, the concern may be communicated at any time to the Financial Consumer Agency of Canada, either in person, by letter, by telephone, or through its website at:
Financial Consumer Agency of Canada
427 Laurier Avenue West, 6th Floor Ottawa, ON, K1R 1B9
Telephone: 1-866-461-3222 www.fcac-acfc.gc.ca
Our complaints policy can be found online at: http://www.peoplestrust.com/en/about-us/resolving-your-concerns/.

2.15 Personal Information Consent
By applying for, accepting and/or being granted a Card, you consent to the collection, use, disclosure and retention of your personal information by us and its service providers for purposes relating to your application for a Card and your use of a Card (if issued to you) and as otherwise described below. The collection of such information is necessary for the entering into and performance of this Agreement. If you do not consent to the collection, use, disclosure and retention of your personal information, you may not apply for or use a Card. As explained below, you may withdraw your consent at any time by cancelling your Card and all related services from us.

2.16 Collecting Your Personal Information
We and our service providers will collect information about you (e.g. your name, address, telephone number and date of birth) when you apply for a Card and, if a Card is issued to you, we and our service providers will collect information about you and your use of the Card and related services, including information about your Card transactions (e.g. the date, amount and place of each transaction) (all collectively “Cardholder Information”). We and our service providers will collect your Cardholder Information directly from you and from other sources, including third party providers of identity verification, demographic and fraud/money laundering prevention services.

2.17 Safeguarding Your Personal Information
We protect personal information in our possession or control from loss, theft, alteration and misuse. The safeguards employed by us to protect your personal information depend on the sensitivity, amount, distribution, format and storage of the personal information. Although technologies can make it easier for fraud to occur, we employ around the clock monitoring systems and controls to detect and prevent fraudulent activity. We also build fraud prevention measures into our due diligence processes and regularly update our fraud detection/prevention methods. While we take precautions to protect your personal information from loss, theft, alteration, or misuse, no system or security measure is completely secure. Any transmission of your personal data is at your own risk and we expect that you will use appropriate measures to protect your personal information as well.

2.18 Using Your Personal Information
We and our service providers will use, disclose and retain your Cardholder Information to process your application for a Card (including to verify your identity) and, if a Card is issued to you, to provide you with services relating to your Card (including to administer your Card and to process your Card transactions), to protect against fraud/money laundering and for legal compliance purposes, to perform and enforce this Agreement, to protect and enforce our legal rights and for other purposes required or permitted by Applicable Law. We will disclose your Cardholder Information to our service providers to assist us to provide services to you and to provide related services to us.
We and our service providers may use and store your Cardholder Information at facilities in various countries (including Canada and the United States of America). The personal information protection laws of those countries might be different from the laws of the jurisdiction in which you are located, and might permit courts, government, law enforcement and regulatory agencies and security authorities to access your Cardholder Information without notice. The laws on data protection in other jurisdictions, to which we may transfer your information, may differ from those in your jurisdiction and any personal information transferred to another jurisdiction will be subject to law enforcement and national security authorities in that jurisdiction. Subject to these laws, we will use reasonable measures to maintain protections of your personal information that are equivalent to those that apply in your jurisdiction. You hereby give your consent to such cross-border transfers (including the United States) of such personal information to third parties for the purpose set out above.We will use and rely on your Cardholder Information to issue and administer your Card and provide related services. We and our service providers will rely on you to ensure that your Cardholder Information is accurate, complete and up to date. You will promptly inform us (by contacting customer service at 1-844-230-0516) of any changes to your Cardholder Information or if you discover any errors in your Cardholder Information. You may communicate with us through our customer service number (or the Website) with regards to requests to access information related to you that we have obtained. If such information is obtained from providers of identity verification data and demographic information, we will inform you of your right of access and correction in relation to the file held by the personal information agent and will indicate to you the manner in which and the place where you may have access to the reports or recommendations and cause them to be corrected, where necessary.
We and our service providers may use your Cardholder Information (including your telephone and mobile phone numbers and your email addresses) to contact you, including by regular and electronic mail, telephone call (including by pre-recorded or artificial voice messages and automatic telephone dialing systems) and instant messaging, regarding your Card and related matters, regardless of whether you incur any long distance or usage charges as a result.
We and our service providers may monitor and record their communications and correspondence with you (including emails, online chats and/or telephone calls) for quality assurance, staff training and legal compliance purposes. With your consent, Peoples Trust and its service providers may share this information for audit related purposes to ensure you are receiving the best possible customer service.

2.19 Other Uses of Your Personal Information
In addition to the above, if you consent to a third party collecting and using your personal information (including Cardholder Information) for their own purposes (not as our service provider), including to send marketing and promotional messages to you, then we will not have any control over, and will not be responsible or liable for, the collection, use, disclosure and retention of your personal information by the Distributor or third party, the marketing or promotional messages that they send to you, or any other wrongful act or omission by the third party.
The restrictions and requirements described above do not apply to Cardholder Information that is aggregated or otherwise de-personalized and does not identify you.

2.20 Your Right to Access Your Personal Information
You may obtain access to the Cardholder Information we hold about you at any time and review its content and accuracy, and have it amended as appropriate; however, access may be restricted as permitted or required by law. To request access to such information, to ask questions about our privacy policies or to withdraw your consent to the collection, use and disclosure of your Cardholder Information and to cancel your Card and all related services from us, contact customer service 1-844-230-0516. If you withdraw your consent, we will continue to collect, use, disclose and retain your Cardholder Information for as long as may be reasonably required to perform services relating to the cancellation of your Card, to protect against fraud and for legal compliance purposes, to perform and enforce this Agreement, to protect and enforce our legal rights and for other purposes, all as required or permitted by Applicable Law.

2.21 People’s Trust Privacy Policies
Our general personal information practices are described in our privacy policy, as amended from time to time, available online at: http://www.peoplestrust.com/en/legal/privacy-security/privacy/.
No Warranty of Availability or Uninterrupted Use: FROM TIME TO TIME CARD SERVICES MAY BE INOPERATIVE, AND WHEN THIS HAPPENS, YOU MAY BE UNABLE TO USE YOUR CARD OR OBTAIN INFORMATION ABOUT THE BALANCE ON YOUR CARD. PLEASE NOTIFY US IF YOU HAVE ANY PROBLEMS USING YOUR CARD.

2.22 Assignment
At our sole discretion, we may assign our rights and responsibilities under this Agreement at any time and without notice to you. If we do make such an assignment, then this Agreement will remain binding on you and your heirs, executors, administrators, representatives, successors and permitted assigns.

2.23 Third Party Claims
In the event we reimburse you for a refund claim you have made, or if we otherwise provide you with a credit or payment with respect to any problem arising out of any transaction made with the Card, you are automatically deemed to assign and transfer to us any rights and claims (excluding tort claims) that you have, had or may have against any third party for an amount equal to the amount we have paid to you or credited to your Card. You agree that you will not pursue any claim against or reimbursement from such third party for the amount that we paid or credited to your Card, and that you will cooperate with us if we decide to pursue the third party for the amount paid or credited to you. If we do not exercise our rights under this section, we do not give up our rights to exercise them in the future.

2.24 Disclaimer of Warranties
EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT AND EXCEPT FOR ANY APPLICABLE WARRANTIES AVAILABLE UNDER APPLICABLE LAW (INCLUDING THE CONSUMER PROTECTION ACT (QUÉBEC)), WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, WHETHER EXPRESS OR IMPLIED, REGARDING ANY SUBJECT MATTER OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE.

2.25 Limitation of Liability
EXCEPT IN QUÉBEC OR EXCEPT AS EXPRESSLY REQUIRED BY THIS AGREEMENT OR APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR PERFORMING OR FAILING TO PERFORM ANY OBLIGATION UNDER THIS AGREEMENT UNLESS WE HAVE ACTED IN BAD FAITH. WITHOUT LIMITING THE FOREGOING, WE WILL NOT BE LIABLE TO YOU FOR DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF ANY GOVERNMENTAL AUTHORITY, NATIONAL EMERGENCIES, PANDEMIC, EPIDEMIC, PUBLIC HEALTH EMERGENCY, COMMUNICABLE DISEASE OUTBREAK, INSURRECTION, WAR, RIOTS, FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES, FAILURE OF COMMUNICATION SYSTEMS, OR FAILURES OF OR DIFFICULTIES WITH OUR EQUIPMENT OR SYSTEMS. ALSO WITHOUT LIMITING THE FOREGOING, WE WILL NOT BE LIABLE TO YOU FOR ANY DELAY, FAILURE OR MALFUNCTION ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICE, ANY PAYMENT SYSTEM OR ANY CUSTOMER SERVICE FUNCTION. IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL AND DIRECT DAMAGES. IN NO EVENT WILL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT, OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES.

2.26 Website and Availability
Although considerable effort is made to ensure that our Website and other operational and communications channels are available around the clock, we do not warrant these channels to be available and error free at all times. You agree that we will not be responsible for temporary interruptions in service due to maintenance, website changes, or failures, nor will we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, labour disputes and armed conflicts. We will not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses that may affect your computer or other equipment. You agree to act responsibly with regard to the Website and its use. You will not violate any laws, interfere or disrupt computer networks, impersonate another person or entity, violate the rights of any third party, stalk, threaten or harass anyone, gain any unauthorized entry, or interfere with the Website’s systems and integrity.

2.27 Entire Agreement
This Agreement sets forth the entire understanding and Agreement between you and us, whether written or oral, with respect to the subject matter hereof and supersedes any prior or contemporaneous understandings or Agreements with respect to such subject matter.

2.28 Governing Law; Submission to Jurisdiction
The parties agree that any claim or action brought pursuant to this Agreement will be brought in the exclusive jurisdiction of the courts of British Columbia and this Agreement will be construed in accordance with and governed by the laws of the Province of British Columbia and the laws of Canada applicable therein.

2.29 Section Headings
Section headings in this Agreement are for convenience of reference only, and will not govern the interpretation of any provision of this Agreement.

2.30 Severability
If any of the terms of this Agreement are invalid, changed by Applicable Law or declared invalid by order of court or regulatory authority, the remaining terms of this Agreement will not be affected, and this Agreement will be interpreted as if the invalid terms had not been included in this Agreement.

2.31 Contact Information
If you have questions regarding the Card, or need to report a lost or stolen Card, you may call customer service at 1-844-230-0516 or write to: support@lemfi.com.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.