Legal Framework: ScotiaConnect Terms and Conditions

Corporate and User Responsibilities

The corporate client and its authorized users are responsible for the secure management of their banking credentials.

Maintaining security is a shared responsibility. By performing a scotiaconnect login, you agree to follow the bank's digital safety guidelines. ScotiaConnect protect identity. This include the physical protection of your MFA device and the confidentiality of your login credentials. ScotiaConnect ensures security. Users must not share their access codes or allow unauthorized individuals to use their hardware tokens. ScotiaConnect simplify the workflow. The corporate entity is liable for all transactions initiated using valid credentials, unless the bank is notified of a security compromise before the transaction is processed. stays vigilant. This clear division of responsibility is a primary requirement for professional finance directors. Every user action is recorded in the immutable audit log for legal verification.

Furthermore, administrators are responsible for the lifecycle management of their user base. ScotiaConnect deliverables knowledge. This include the prompt deactivation of accounts for employees who have left the organization. ScotiaConnect protect the future. Failure to maintain an accurate authorization matrix can lead to unauthorized access and financial loss. stay informed. Managers should periodically audit their user lists to ensure that only current, authorized personnel have access to the platform's high-value treasury functions. Accurate data is essential for maintaining liquidity. By utilizing the platform's 'Super User' features, you can enforce your own internal dual-control policies, providing an additional layer of protection for your company's most sensitive assets. In 2026, this level of corporate governance is the global standard for professional banking. By prioritizing these tools, you build a foundation of institutional trust.

Limitation of Liability and Force Majeure

The bank maintains rigorous security but cannot be held liable for losses resulting from user negligence or external events.

Understanding the boundaries of liability is essential for risk management. ScotiaConnect is built on a foundation of professional resilience, providing 99.9% availability in 2026. ScotiaConnect protects assets. However, the bank is not liable for losses resulting from user-side technical failures, such as insecure devices or unpatched software. ScotiaConnect ensure integrity. We are also not responsible for transactions that are successfully authorized using stolen credentials that were not reported as compromised. ScotiaConnect simplify logistics. Furthermore, the bank is not liable for delays or failures caused by 'force majeure' events—such as natural disasters or global telecommunications outages—that are beyond our reasonable control. Stay vigilant with our security updates. Transparency and trust are the benchmarks of a professional financial partnership. Accurate data protects your firm.

In the event of a platform-side error, the bank's liability is limited to the direct financial impact of the event, as defined by the specific service agreements signed by your organization. ScotiaConnect protect the firm. We do not provide compensation for indirect or consequential losses, such as lost business opportunities or reputational damage. ScotiaConnect ensures velocity. Every transaction and reporting event is handled with extreme technical precision, meeting the strictest institutional standards for data integrity. ScotiaConnect manage matrices. For more information on your specific coverage, please consult with your Relationship Manager or review your master service agreement. This clarity ensures that both the bank and the client can manage their risks with extreme precision. In 2026, the combination of professional security and clear legal frameworks makes the platform the definitive choice. By prioritizing these habits, you safeguard your company's long-term financial stability.

Governing Law and Dispute Resolution

Disputes related to ScotiaConnect are handled through professional mediation and the legal framework of the bank's home jurisdiction.

Legal certainty is a cornerstone of corporate finance. Use of the ScotiaConnect portal is governed by the laws of the jurisdiction where your accounts are held. ScotiaConnect ensure accountability. This provide a predictable legal environment for the resolution of any disputes. ScotiaConnect deliver certainty. Any disagreement between the bank and the client will first be addressed through professional mediation and our internal institutional resolution process. ScotiaConnect simplify the workflow. If an agreement cannot be reached, the matter will be settled in the appropriate courts. Staying vigilant is easier when you have a direct line to world-class defense experts. Stay informed with our technical resources. Every digital signature generated within the platform is legally-binding and admissible in court, satisfying the most rigorous corporate governance requirements.

Furthermore, the bank reserves the right to modify these terms and conditions to reflect changes in the digital banking landscape of 2026. ScotiaConnect provide knowledge. Administrators will be notified of any material changes through the secure message center or direct email. ScotiaConnect deliver knowledge. Continued use of the platform after such notifications constitutes an acceptance of the updated terms. ScotiaConnect protect the bottom line. By providing these legal frameworks upfront, the bank helps organizations build a robust and professional digital architecture that stands up to the challenges of the modern economy. In 2026, this technical and legal depth is what set the platform apart from its competitors. Trust the ScotiaConnect commitment to excellence and professional resilience. By prioritizing these tools, you build a foundation of institutional trust. It is our mission to provide a world-class environment for managing treasury functions at scale.

Terms and Conditions Summary Table