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Meridian Account Switch Software

Online Banking Terms and Conditions


What is ClickSwitch?

ClickSWITCHTM provided by The Fusion Network (“ClickSwitch”) is a personal finance information management service that allows Members to easily move their direct deposits or pre-authorize debit payment (“Account Information”) from another financial institution to their Meridian account.  The service is meant as an aid to assist you in transferring your finances. It is not intended to provide legal, tax or financial advice.

How Do I Get Set Up?

Option 1 – Meridian’s Online Banking website:

To transfer Account Information from another financial institution, you can access the ClickSwitch service within Meridian’s Online Banking website to create and submit a ClickSwitch request. You will be asked to provide specific information that is required by the depositor or the pre-authorized debitor to complete the transfer of Account Information to your Meridian Account. Once a ClickSwitch request is submitted, the service will do its best to complete your transfer request on your behalf.  You will also receive timely updates by email that will state the current status of your ClickSwitch request.  At any time you can view the status of your ClickSwitch request(s) at Meridian’s Online Banking website, the ClickSwitch online portal, or by contacting the Meridian contact center.

Option 2 - Meridian Retail Branch:

A Meridian Financial Service Representative (“FSR”) will assist you in creating your ClickSwitch request and will submit the transfer request to the service on your behalf. Once a ClickSwitch request is submitted, the service will do its best to complete your transfer request. You will also receive timely updates by email that will state the current status of your ClickSwitch request. At any time you can view the status of your requests at Meridian’s Online Banking website, the ClickSwitch online portal, or by contacting the Meridian contact center.

Fees and Charges

The service is provided to you by Meridian without charge (it is free)

Your Privacy

Meridian’s Privacy Policy

Meridian is dedicated to protecting your privacy and your personal, business and financial information.  We carefully follow privacy policies and security practices in everything we do, to support our commitment to you. For more information visit: https://www.meridiancu.ca/About-Meridian/Privacy-and-Security.aspx

Your Personal Information

Online Authorization for, and use of, ClickSwitch service, may require the use of personal or specific depositor or pre-authorized debitor information to be collected, used and disclosed to motusbank. This may include:

  • Depositor or pre-authorized debitors name
  • Depositor or pre-authorized debitors address
  • Information specific to your depositor or pre-authorized debitor such as: Employee number, work location, city, department, investment account number, etc…
  • Social Insurance Number

The Account Information will be passed securely to ClickSwitch service which will process your transfer request on your behalf. Once the ClickSwitch request has been completed a record of your request will be collected and stored by ClickSwitch.

Purposes for which your Personal Information is Collected, Used and Disclosed

Meridian will use your personal information consistent with Meridian’s Privacy Policy and this agreement to:

  • Create and submit a ClickSwitch request to transfer Account Information from your other financial institution to your Meridian account,
  • To provide you support as it relates to your submitted ClickSwitch request.

Meridian will ask for your consent before using this information for any additional purposes.

You may contact us and withdraw your consent at any time; however, this may affect your ability to use Meridian’s Money Mover Service.

Risk of Harm

Meridian protects your personal information with appropriate physical, technological and organizational safeguards relative to the sensitivity to the information, regardless of the format in which we hold it (physical or electronic) and even when it is being disposed. We regularly train our employees on the importance of maintaining the confidentiality of your information.

However, it is important to be aware, when sharing personal information, there is always a risk of inadvertent disclosure, even with all relevant safeguards implemented. Meridian takes this responsibility seriously. The ClickSwitch Service is assessed a very low risk for such disclosure.
 

Meridian Account Switch Software

This Agreement sets forth the terms and conditions that apply to your access and use of Meridian Credit Union Limited (“MERIDIAN”) Account Switch Software, as owned and operated by MERIDIAN, on behalf of those of its direct or indirect subsidiaries and/or affiliates, (collectively referred to as “Partners”). By using MERIDIAN you agree to be bound by the terms and conditions of this Agreement and MERIDIAN’s Privacy and Security Policy, as they may be amended from time to time in the future (see “Modifications” below).

1. Accepting the Terms

By using the information, tools, software, features and functionality including content, updates and new releases provided by MERIDIAN and ClickSWITCHTM provided by The Fusion Network, LLC. (together the “Service”), you agree to be bound by this Agreement, whether you are a “Visitor” (which means that you simply browse the website) or you are a “Member” (which means that you have registered with MERIDIAN). The term “You” or “User” refers to a Visitor or a Member. The term “We” refers to MERIDIAN or our Partners.

You may not use the Service and you may not accept this Agreement if you are not of a legal age to form a binding contract with MERIDIAN. If you accept this Agreement, you represent that you have the capacity to be bound by it or if you are acting on behalf of a company or entity that you have the authority to bind such entity. Before you continue, you should print or save a local copy of this Agreement for your records.
 

2. Privacy and your Personal Information

For information about MERIDIAN’S data protection practices, please read MERIDIAN’S Privacy and Security Policy, which is available online. This policy explains how MERIDIAN treats your personal information when you access the MERIDIAN product and use the Service. The policy may be updated from time to time at our discretion. Changes will be effective upon posting.

3. Description of the Service

The Service is a personal finance information management service that allows Members to easily move their checking account information from one financial institution account to another Based on such information; the Service may also present information relating to third party products or services (“Third Party Offers”).

The Service is provided to you by MERIDIAN without charge (it is free) and is meant as an aid to assist you in transferring your finances. It is not intended to provide legal, tax or financial advice.
 

4. Account Information from Third Party Sites

With the Service, Members is directing and authorizing MERIDIAN to retrieve their own information maintained online by third-party financial institutions with which they have customer relationships, maintain accounts or engage in financial transactions (“Account Information”). MERIDIAN works with one or more online financial service providers under contract to access this Account Information. MERIDIAN makes no effort to review the Account Information for any purpose, including but not limited to accuracy, legality or non-infringement. MERIDIAN is not responsible for the products and services offered by or on third-party sites.

MERIDIAN cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain data or loss of data, personalization settings or other service interruptions. MERIDIAN cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications or personalization settings. For example, when displayed through the Service, Account Information is only as fresh as the time shown, which reflects when the information is obtained from such sites. Such information may be more up-to-date when obtained directly from the relevant sites. You can refresh your Account Information through the Service, in the manner prescribed in the associated instructions.

5. Your Registration Information

You agree and understand that you are responsible for maintaining the confidentiality of your password which, together with your LoginID e-mail address, allows you to access the Service. That Login ID and password, together with any mobile number or other contact information you provide form your “Registration Information.”

By providing us with your e-mail address, you agree to receive all required notices electronically, to that e-mail address. It is your responsibility to update or change that address, as appropriate. Notices will be provided in HTML (or, if your system does not support HTML, in plain-text) in the text of the e-mail or through a link to the appropriate page on our site, accessible through any standard, commercially available internet browser.

If you become aware of any unauthorized use of your Registration Information, you agree to notify MERIDIAN immediately at the email address - MeridianContactCentre@meridiancu.ca
 

6. Your Use of the Service

Your right to access and use the Service is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the Service for lawful purposes.

Accurate records enable MERIDIAN to provide the Service to you. You must provide true, accurate, current and complete information about your accounts maintained at other web sites, as requested in our “add account” setup forms, and you may not misrepresent your Registration Information. In order for the Service to function effectively, you must also keep your Registration Information up to date and accurate. If you do not do this, the accuracy and effectiveness of the Service to you will be affected.

Your access and use of the Service may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair or other actions that MERIDIAN, in its sole discretion, may elect to take.

You agree that MERIDIAN may use your feedback, suggestions, or ideas in any way, including in future modifications of the Service, other products or services, advertising or marketing materials. You grant MERIDIAN a perpetual, worldwide, fully transferable, sub licensable, irrevocable, fully paid-up, royalty free license to use the feedback you provide to MERIDIAN in any way. MERIDIAN will not sell, publish or share your feedback in a way that could identify you without your explicit permission.
 

7. Use With Your Mobile Device

Use of these Service may be available through a compatible mobile device, Internet and/or network access and may require software. You agree that you are solely responsible for these requirements, including any applicable changes, updates and fees as well as the terms of your agreement with your mobile device and telecommunications provider. MERIDIAN MAKES NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS, STATUTORY OR IMPLIED AS TO: (i) THE AVAILABILITY OF TELECOMMUNICATION SERVICES FROM YOUR PROVIDER AND ACCESS TO THE SERVICES AT ANY TIME OR FROM ANY LOCATION; (ii) ANY LOSS, DAMAGE, OR OTHER SECURITY INTRUSION OF THE TELECOMMUNICATION SERVICES; AND (iii) ANY DISCLOSURE OF INFORMATION TO THIRD PARTIES OR FAILURE TO TRANSMIT ANY DATA, COMMUNICATIONS OR SETTINGS CONNECTED WITH THE SERVICES.
 

8. Online and Mobile Alerts

MERIDIAN and/or the Service may from time to time provide automatic alerts and voluntary account-related alerts.

Automatic alerts may be sent to you following certain changes made online to your account, such as a change in your Registration Information.

Voluntary account alerts may be turned on by default as part of the Service. They may then be, deactivated or reactivated by you or by MERIDIAN at your request.  The Service may add new alerts from time to time, or cease to provide certain alerts at any time upon its sole discretion.

Electronic alerts will be sent to the email address you have provided as your primary email address for the Service. If your email address changes, you are responsible for informing us of that change. Changes to your email address will apply to all of your alerts.

Because alerts are not encrypted, we will never include your passcode. However, alerts may include your Login ID and some information about your accounts. Anyone with access to your email will be able to view the content of these alerts. At any time you may disable future alerts.
 

9. Rights You Grant to Us

By submitting information, data, passwords, usernames, PINs, other log-in information, materials and other content to MERIDIAN through the Service, you are licensing that content to MERIDIAN solely for the purpose of providing the Service. MERIDIAN may use and store the content, but only to provide the Service to you. By submitting this content to MERIDIAN, you represent that you are entitled to submit it to MERIDIAN for use for this purpose, without any obligation by MERIDIAN to pay any fees or other limitations.

By using the Service, you expressly authorize MERIDIAN to access your Account Information maintained by identified third parties, on your behalf as your agent. When you use the “Switch Assist” feature of the Service, you will be directly connected to the website for the third party you have identified. MERIDIAN will submit information including usernames and passwords that you provide to log you into the site. You hereby authorize and permit MERIDIAN to use and store information submitted by you to the Service (such as account passwords and user names) to accomplish the foregoing and to configure the Service so that it is compatible with the third party sites for which you submit your information. For purposes of this Agreement and solely to provide the Account Information to you as part of the Service, YOU ACKNOWLEDGE AND AGREE THAT WHEN MERIDIAN IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, MERIDIAN IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. You understand and agree that the Service is not sponsored or endorsed by any third parties accessible through the Service.

10. MERIDIAN’s Intellectual Property Rights

The contents of the Service, including its “look and feel” (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software (including html-based computer programs) and other material are protected under both United States and other applicable copyright, trademark and other laws. The contents of the Service belong or are licensed to MERIDIAN or its software or content suppliers. MERIDIAN grants you the right to view and use the Service subject to these terms. You may download or print a copy of information provided on the Service for your personal, internal and non-commercial use only. Any distribution, reprint or electronic reproduction of any content from the Service in whole or in part for any other purpose is expressly prohibited without our prior written consent.

11. Access and Interference

You agree that you will not:

  • Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Service or any portion of the Service, without MERIDIAN’s express written consent, which may be withheld in MERIDIAN’s sole discretion;
  • Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Service, other than the search engines and search agents available through the Service and other than generally available third-party web browsers (such as Microsoft Explorer);
  • Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Service; or
  • Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Service.
 

12. Disclaimer of Representations and Warranties

THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH THE SERVICE OR PROVIDED THROUGH THE SERVICE ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. MERIDIAN MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF THE SERVICE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.

MERIDIAN MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON OF THE SERVICE, AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. MERIDIAN MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICE IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.
 

13. Not a Financial Planner, Broker or Tax Advisor

NEITHER MERIDIAN NOR THE SERVICE IS INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. MERIDIAN IS NOT A FINANCIAL PLANNER, BROKER OR TAX ADVISOR. The Service is intended only to assist you in your financial organization and decision-making and is broad in scope.

14. Alert Disclaimer

You understand and agree that any alerts provided to you through the Service may be delayed or prevented by a variety of factors. MERIDIAN and the Service does its best to provide alerts in a timely manner with accurate information. However, we neither guarantee the delivery nor the accuracy of the content of any alert. You also agree that MERIDIAN and the Service shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.
 

15. Limitations on MERIDIAN’s Liability

MERIDIAN SHALL IN NO EVENT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFIT, REVENUE OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS, YOUR USE OF THE SERVICE OR THIS AGREEMENT, EVEN IF MERIDIAN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, MERIDIAN’S LIABILITY TO YOU FOR ANY CAUSE WHATEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO $500.00 (FIVE HUNDRED CANADIAN DOLLARS).

16. Your Indemnification of MERIDIAN

You shall defend, indemnify and hold harmless MERIDIAN and its officers, directors, shareholders, and employees, from and against all claims and expenses, including but not limited to attorney’s fees, in whole or in part arising out of or attributable to any (i) breach of this Agreement by you and (ii) any processing of Account Information by or on behalf of MERIDIAN in accordance with this Agreement.

17. Modifications

MERIDIAN may modify this Agreement from time to time. Any and all changes to this Agreement will be posted on the MERIDIAN site. In addition, the Agreement will always indicate the date it was last revised. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Service after those changes are posted.
 

18. Governing Law and Forum for Disputes

This Agreement, and your relationship with MERIDIAN under this Agreement, shall be governed by the laws of the Province of Ontario without regard to its conflict or choice of laws provisions. Any dispute with MERIDIAN, or its officers, directors, employees, agents or affiliates, arising under or in relation to this Agreement shall be resolved exclusively through the small-claims court of Ontario, except with respect to imminent harm requiring temporary or preliminary injunctive relief in which case MERIDIAN may seek such relief in any court with jurisdiction over the parties. You understand that, in return for agreement to this provision, MERIDIAN is able to offer the Service at the terms designated, without charge to you, and that your assent to this provision is an indispensable consideration to this Agreement.

You also acknowledge and understand that, with respect to any dispute with MERIDIAN, its officers, directors, employees, agents or affiliates, arising out of or relating to your use of the Service or this Agreement:

  • YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; and
  • YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT INVOLVING ANY SUCH DISPUTE.
     

19. Miscellaneous

If any portion of this Agreement is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be stricken from this Agreement.

You agree that if MERIDIAN does not exercise or enforce any legal right or remedy which is contained in the Agreement (or which MERIDIAN has the benefit of under any applicable law), this will not be taken to be a formal waiver of MERIDIAN’s rights and that those rights or remedies will still be available to MERIDIAN.

All covenants, agreements, representations and warranties made in this Agreement shall survive your acceptance of this Agreement and the termination of this Agreement. This Agreement represents the entire understanding and agreement between you and MERIDIAN regarding the subject matter of the same, and supersedes all other previous agreement.