1. Acceptance of Terms

By accessing or using Scotia Fre Connect services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

2. Service Description

Scotia Connect provides payment routing, financial connection APIs, and related fintech services to businesses operating in Canada. Our platform facilitates secure transaction processing and financial data integration through our proprietary technology stack.

3. Account Registration and Security

To use our services, you must create an account with accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

• Maintain accurate account information
• Use strong, unique passwords
• Immediately report any unauthorized access
• Comply with our API usage guidelines

4. Acceptable Use Policy

Users must comply with all applicable laws and regulations. Prohibited activities include but are not limited to:

• Money laundering or terrorist financing
• Processing payments for illegal goods or services
• Attempting to breach our security measures
• Reverse engineering our APIs or systems

5. Service Availability and Support

Scotia Fre Connect strives to maintain 99.9% uptime for our services. We provide technical support during business hours and maintain 24/7 monitoring for critical issues. Service level agreements are detailed in your specific contract.

6. Limitation of Liability

To the maximum extent permitted by law, Scotia Connect shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

7. Governing Law

These terms are governed by the laws of Ontario, Canada. Any disputes will be resolved through binding arbitration in Toronto, Ontario.

1. Information We Collect

Scotia Fre Connect collects information necessary to provide our payment processing and API services, including:

• Account registration information (name, email, business details)
• Transaction data and payment information
• Technical data (IP addresses, device information, API usage)
• Communication records and support interactions

2. How We Use Your Information

We use collected information to:

• Process payments and provide our core services
• Detect and prevent fraud
• Comply with regulatory requirements
• Improve our services and user experience
• Communicate important updates and support

3. Data Sharing and Disclosure

Scotia Connect does not sell your personal information. We may share data with:

• Banking partners and payment processors as required for service delivery
• Regulatory authorities when legally required
• Service providers who assist in our operations (subject to strict confidentiality agreements)

4. Data Security

We implement industry-standard security measures including encryption, access controls, and regular security audits. All payment data is encrypted in transit and at rest, and we maintain PCI DSS Level 1 compliance.

5. Your Rights

Under applicable privacy laws, you have the right to:

• Access your personal information
• Request corrections to inaccurate data
• Request deletion of your data (subject to legal requirements)
• Receive a copy of your data in a portable format

6. Contact Information

For privacy-related inquiries, contact our Data Protection Officer at privacy@freconnect.online or write to us at 44 King St W, Toronto, ON M5H 1H1, Canada.

1. Canadian Financial Regulations

Scotia Fre Connect operates in full compliance with Canadian financial services regulations, including:

• Payment Card Industry Data Security Standard (PCI DSS)
• Personal Information Protection and Electronic Documents Act (PIPEDA)
• Proceeds of Crime (Money Laundering) and Terrorist Financing Act
• Office of the Superintendent of Financial Institutions (OSFI) guidelines

2. Anti-Money Laundering (AML)

We maintain robust AML and Know Your Customer (KYC) procedures, including:

• Customer due diligence and identity verification
• Ongoing transaction monitoring
• Suspicious activity reporting
• Regular compliance training for staff

3. Data Protection Compliance

Our data handling practices comply with applicable privacy laws including PIPEDA and provincial privacy legislation. We conduct regular privacy impact assessments and maintain comprehensive data governance policies.

4. Third-Party Certifications

Scotia Connect maintains the following certifications and audits:

• PCI DSS Level 1 Service Provider certification
• SOC 2 Type II compliance
• ISO 27001 Information Security Management
• Annual third-party security assessments