Web Terms And Conditions

By accessing the EXBC (Express Canada) website, you acknowledge these Terms and Conditions and agree to be bound by them. Except as otherwise agreed to by Express Ca Corp ("EXBC"), the following terms and conditions shall govern your use of the EXBC (Express Canada) website.

Use of Information

The information contained in this website is general information only and is not intended to provide specific legal, accounting, investment, financial, or tax advice for any individual or entity and should not be relied upon as such. This website and the website information may not always be the most current and we may change it at any time.

Accuracy and Changes

Fees, charges and Interest rates provided by Express Ca Corp and other Express Ca Corp entities on this website are believed to be accurate when placed on the website, however, posted rates are subject to change at any time without notice. To obtain our most up-to-date rates, please contact us by email at clientservices@exbc.ca.

Express Ca Corp shall not be liable regardless of the cause or duration, for any errors, inaccuracies, omissions or other defect in, the information contained within this website, or for any delay, computer virus, system failure, loss of data, or interruption or otherwise in the transmission thereof to the user, or for any claims or losses arising therefrom or occasioned thereby. Express Ca Corp does not warrant or guarantee the timeliness, sequence, accuracy or completeness of the information contained on the website and disclaims liability for any third-party claims or losses of any nature, including, but not limited to, lost profits, punitive or consequential damages arising therefrom.

Direct Access

Express Ca Corp may provide you with direct access to your account(s) by one or more of the following methods:

(a) Electronic communications through this EXBC website;

(b) Speaking over the telephone or pressing its key pad to communicate with an Express Ca Corp Associate or the Express Ca Corp Interactive Voice Response System;

(c) Loan Account electronic communications by different channels including direct payment point-of-sale terminals;

(d) Other devices or equipment which Express Ca Corp may designate for Direct Access.

The Express Ca Corp Account Terms, Cardholder Agreement and any other agreement or terms and conditions of Express Ca Corp shall apply to all transactions and other activities facilitated by you in connection with your accounts at Express Canada.

Electronic Identification

Direct access to and use of the EXBC website requires an electronic identifier which consists of the use of one or more of the following:

(a) Client Number

(b) Personal Identification Number (PIN)

(c) Password

(d) Or other security measures required by Express Canada.

Express Ca Corp will provide you with a Card (where applicable) and other components of the Electronic Identification for Direct Access and where applicable, you may select certain components of the Electronic Identification yourself.

You agree that electronic pages, such as EXBC website pages, accessed by Electronic Identification are written documents and that by electronically acknowledging by "clicking" any "buttons" stating "OK", "proceed", "continue", "approve" or "buttons" with similar intent shall have the same legal effect as if you had placed your signature by hand and provided hardcopy versions of such pages with intent to be legally bound with Express Ca Corp for their content.

Your Liability

You agree that the use of the Electronic Identification is the legal equivalent to your written, signed instructions to Express Canada.

Express Ca Corp will be under no obligation to confirm the actual identity or authority of any user of the Electronic Identification or any component thereof.

You will not be responsible for unauthorized use of Electronic Identification occurring after notifying Express Ca Corp in accordance with the notice provisions set out below.

Protection of Electronic Identification

You agree to keep Electronic Identification and all components thereof secret and safe to prevent unauthorized use. This includes but is not limited to:

(a) memorizing and maintaining no record of any PIN, passwords or codes included in the Electronic Identification;

(b) avoiding Code combinations which may be easy for someone else to guess or which are directly associated with you such as birth date, address, etc.;

(c) avoiding selecting any part of another PIN, password or code;

(d) taking all necessary steps to ensure that any component of the Electronic Identification remains confidential to you - including keying in or speaking at a telephone or electronic device.

Notice to Express Ca Corp

You must immediately email Express Ca Corp if any component of your Electronic Identification is lost, stolen, misused or may have become known to anyone other than you. You may contact Express Ca Corp 24 hours a day and 7 days a week on urgent@exbc.ca


Express Ca Corp reserves the right to contact you to obtain confirmation of any electronic or telephone instruction before processing any transaction but will not be liable for any losses that may arise therefrom due to any inability or failure of Express Ca Corp to contact you in order to confirm such instructions.

Recording Calls and Other Instructions

You agree that all telephone calls and other electronic correspondence may be recorded and kept as a record of your instructions.

Transactions and Limits

Transactions may be limited in dollar amounts or otherwise as Express Ca Corp(or regulator authourities) may determine and Express Ca Corp(or regulator authourities) can change these limits without notice to you.

Liability of Express Canada

Express Ca Corp may cancel or restrict Direct Access or your Electronic Identification without notice to you. Express Ca Corp will not be liable for any direct, indirect or consequential loss, damage or inconvenience arising directly or indirectly out of your use of, malfunction, cancellation, restriction or inability to access your account(s) at Express Ca Corp by any means.

Express Ca Corp and other Express Ca Corp entities, are not responsible in any manner for direct, indirect, special or consequential damages, howsoever caused, arising out of your use of this website including but not limited to, damages arising from or related to the installation, use, or maintenance of personal computer hardware, equipment, software or any Internet access services.

Unlawful behaviour

Do not use the EXBC website to communicate to others, to post on the EXBC website, or otherwise transmit to the EXBC website, any materials, information, or communication that either causes any harm to any person or that is illegal or otherwise unlawful, including without limitation any hateful, harassing, pornographic, obscene, profane, defamatory, libellous, threatening materials which constitutes or may encourage conduct that would be considered, a criminal offence, give rise to civil liability, promote the excessive, irresponsible or underage consumption of alcohol, or otherwise violate any law or regulation. Notwithstanding that Express Ca Corp or other parties are involved in creating, producing or delivering the EXBC website, Express Ca Corp shall have the right to monitor or review all communications, materials, transmissions, postings, discussions and chats. Express Ca Corp and all parties involved in creating, producing or delivering the EXBC website, assume no responsibility or liability which may arise from the content thereof, including but not limited to claims for any of the above-noted matters.

Where the EXBC website contains bulletin boards or any other message or communication facilities whatsoever (collectively, "Forums"), you agree to use the Forums only to send and receive messages and material that shall not, in any manner or to any extent:

constitute any criminal or quasi-criminal offence, including without limitation, any pornography, hate, assault, or economic crime whatsoever; defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others; publish, post, distribute or disseminate any defamatory, infringing, obscene, indecent or unlawful material or information; infringe, contravene, breach or otherwise interfere with or harm the rights of any other person, including without limitation any contractual, personality, confidentiality, privacy, moral, statutory, common law or intellectual property; upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer; delete any author attributions, trademarks, trade names, logos, legal notices or proprietary designations or labels in any file that is uploaded; falsify the origin or source of software, information or other material contained in a file that is uploaded; advertise or offer to sell any goods or services, or conduct or forward any surveys, contests, or chain letters; and, download any file posted by another user of a Forum that you know, or reasonably should know, cannot be legally distributed in such manner.

You acknowledge and agree that all Forums are public and not private communications. Further, you acknowledge that chats, postings, conferences, and other communications by other users are not monitored, screened, sanctioned or endorsed by Express Canada, and such communications shall not be considered reviewed, screened, or approved by Express Canada. Express Ca Corp reserves the right for any reason to remove at any time without notice any of the contents of the Forums received from users, including without limitation bulletin board postings. Express Ca Corp reserves the right to deny, in its sole and absolute discretion, any user access to the EXBC website or any portion thereof without notice.

Express Ca Corp Records

You accept any records or documents stored or produced by Express Ca Corp through electronic means or device as sufficient evidence for all purposes to establish such documents and the contents as correct, authentic, and binding on you.

Ownership of software, etc.

Express Ca Corp (or a third party) owns any software or device Express Ca Corp has supplied to you for purposes of facilitating direct Access, and you use same under a non-exclusive, non-assignable license, solely for the purpose intended. Express Ca Corp may demand their return at any time without prior notice and you will comply promptly, without keeping any copies.

Where Written Signatures are Required

Some Express Ca Corp products may require your written signature and you will be advised when this is the case. You will be sent the terms and conditions and/or transaction verification which apply to the product or service which requires signature and will have five (5) business days from the date of giving of instructions by Direct Access to advise Express Ca Corp if the material has not been received. If you do not so advise, you will be deemed to have received the terms and conditions and/or transaction verification.

Subject to the following paragraph, when you receive material requiring a signature you will sign it and return it to Express Canada. Your signature will signify your agreement to the purchase or renewal of the product or service in question and all terms and conditions relating to it.

Available Only Where Permitted by Law

The products and services described on the website pages of Express Ca Corp and other Express Ca Corp entities, are only offered in jurisdictions where they may be legally offered for sale and do not constitute an offer or solicitation to anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such a solicitation.

No confidentiality, use of information

The nature of Internet communications means that your communications may be susceptible to data corruption, unauthorized access, interception and delays. The EXBC website may include incomplete information, inaccuracies or typographical errors. Express Canada, and any other persons involved in the management of the EXBC website, may make changes in the information and content included in the EXBC website at any time without notice.


Although the EXBC website may be linked to other sites, Express Ca Corp is not, directly or indirectly, implying any approval, association, sponsorship, endorsement or affiliation with the linked sites, their content, privacy policy or security standards, unless specifically stated therein. By entering the EXBC website you acknowledge and agree that Express Ca Corp has not reviewed all sites linked to the EXBC website and is not responsible for the content of any off-site pages or any other site linked to the EXBC website. Your linking to any other off-site pages or other sites is at your own discretion and risk.

Applicable law

By entering the EXBC website you acknowledge and agree that the EXBC website will be construed and evaluated according to the laws of the Province of Ontario exclusive of conflict of law provisions. You hereby agree and confirm that your use of the EXBC website and all of the communications, transmissions and transactions associated with the EXBC website shall have occurred in the Province of Ontario, Canada and that you submit to the exclusive jurisdiction of the courts of the Province of Ontario as the proper and most convenient forum concerning the EXBC website. If you use the EXBC website from another jurisdiction, you are responsible for compliance with any and all applicable local laws. Express Ca Corp makes no representation that the materials contained within the EXBC website are appropriate for customers outside of the Province of Ontario, Canada.


English shall be the language of the EXBC website, and all transactions occurring in connection with the EXBC website, and the parties waive any right to use and rely upon any other language, or translations.

Changing These Terms

These Terms can be amended by notifying you by the same notification methods provided in the Express Ca Corp Personal Account Terms, Loan Account Agreement and Authorization, Cardholder Agreement or any other agreement or terms and conditions of Express Canada. You will be considered to have received notice of change, five (5) business days after Express Ca Corp has mailed or sent to you, or Express Canada's posting of notice. The effective date for changes contained in such notices will be the date stated in them, and if no date is stated, they will have immediate effect. Use of Direct Access after such time shall confirm your acceptance of and agreement to such amendments.

Copyrights belong to Express Ca Corp

Express Ca Corp is the registered copyright owner of the EXBC website and no portion of the Express Ca Corp website, including but not limited to the content, information, text, images, audio or video, may be used in any manner, or for any purpose, without Express Canada's prior written permission, except if indicated herein. Without in any way waiving any of the foregoing rights, you may download one copy of the material on the EXBC website for your personal, non-commercial home use only, provided you do not delete obstruct, or change any copyright, trademark or other proprietary notices. Modification, repost or use of the material on the EXBC website in any other manner whatsoever and for any other purpose violates Express Canada's legal rights.

Trademarks Belonging to Express Ca Corp or Other Entities

Certain names, graphics, logos, icons, designs, words, titles or phrases at this website may constitute trade names, trademarks or service marks of Express Ca Corp or other entities. Trademarks may be registered in Canada and in other countries as applicable. The display of trademarks on the pages of this website does not imply that a license of any kind has been granted unless expressly stated herein. Any unauthorized download, re-transmission or other copying or modification of trademarks and/or the contents herein may be a violation of federal or common law, trademark and/or copyright laws and could subject the copier to legal action.

Marketing Names/Trade Names Used by Express Canada

"EXBC™" is a marketing name (also referred to as a trade name or brand name) used by Express Ca Corp.

The following are Trademarks of other companies:

Microsoft, Windows, Windows NT and/or other Microsoft products are either trademarks or registered trademarks of Microsoft.

Apple®, Mac®, QuickTime®, iOS®, iPad®, iPod® and iPod touch® are registered trademarks of Apple Computer, Inc., registered in the U.S. and other countries.

Adobe, the Adobe logo, Acrobat, the Acrobat logo and Adobe Acrobat Reader are registered trademarks of Adobe Systems Incorporated.

RealAudio® and Real Media® are registered trademarks of RealNetworks, Inc.

Interac® - Trademark of Interac Inc. Express Ca Corp is an authorized user of the trademark.

MasterCard® - Trademark of MasterCard International Inc.

Maestro® - Trademark of MasterCard International Inc. Express Ca Corp licensed user of marks.

Facebook® is a registered trademark of Facebook Inc.

Twitter® is a registered trademark of of Twitter Inc.

Google® is a registered trademark of Google Inc.

YouTube® is a registered trademark of Google Inc.

Android® is a trademark of Google Inc.

Instagram® is a registered trademark of Instagram LLC.

LinkedIn® is a registered trademark of LinkedIn Ltd. Corporation.

VisaCard® - Trademark of Visa Card International Inc.

Unauthorized use of Express Canada's logos and/or name or trade names is prohibited. All information at this site is protected under the copyright laws of Canada and in other countries. In addition, certain information may be copyrighted by others. Unless otherwise specified, no one has permission to copy, redistribute, reproduce or republish in any form, any information found at this website.


The terms and conditions of other agreements relating to your other Express Ca Corp account remain in force except as expressly altered by these Terms. If there is a conflict between any provision of those other agreements and this Terms, those Agreements prevail to the extent of the inconsistency.

© Copyright Express Canada 2014-2019

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