Terms of use and legal notes

In effect since: December 2, 2024

Please read carefully.

We (the Fédération des caisses Desjardins du Québec) are making the Portal for Desjardins retirees website available to you. You can access the portal at www.mydesjardinsretirement.com (the “Website”). It offers information, resources, activities and tips in a user-friendly environment to help you make the most of your retirement.

These terms of use (the “Terms”) are a legal agreement governing your use of the Website. They contain limitations of liability, disclaimers of warranty, and provisions that affect where and how you may bring legal proceedings in relation to the Website. In addition, these Terms specify who may do business with us.

All information that we make available to you and that is accessible through the Website (the “Service”), in particular, is subject to the Terms.

By accessing the Website and using it for the first time, you agree to be bound by the legal notice and to comply with each of the Terms whenever you use the Website. Please read them carefully.

If you disagree with any of the Terms, please do not access or use the Website.

We reserve the right to amend the Terms at any time, meaning we can add to, delete or change the contents, without prior notice and without incurring any liability. These amendments can be made at any time.

We reserve the right to change or temporarily or permanently suspend all or part of the Service at any time without notice. In no event will we be liable to you or any third party for any changes, suspensions or interruptions to the Service.

Unless expressly provided otherwise, any new feature that improves or enhances one or more existing services or any new service we introduce will be subject to the Terms.

It is your responsibility to pay any costs associated with the use of the Service, such as fees to connect to the internet or to systems required to access content on the web. You are also responsible for acquiring any equipment you might need for this purpose.

Make sure your account is protected.

It is up to you to do this. No one else can do it for you! Here are some tips for keeping your account secure:

• Choose a strong password that is difficult to figure out.
• Do not share your password with anyone.
• Do not let anyone else use your account.

You may only use your account to check the information available on the Website, participate in activities and take advantage of the exclusive benefits for retirees. If we deem it necessary, we may suspend or delete your account.

If you want to delete your account, please contact retireesoffice@desjardins.com. Once your account has been deleted, you will not be able to reactivate it.

We may suspend your account if you violate the Terms.

We are committed to protecting your privacy, including any personal information you provide while using the Website.

To learn more about how we protect your personal information and privacy, please refer to our Privacy Policy and Cookies Policy.

You may not reproduce, by any means whatsoever, the information, data, text, software, music, sounds, photos, images, videos, messages and any other materials made available as part of the Service (collectively the “Content”).

More specifically, you may not:

1. Forge headers or otherwise manipulate Content transmitted through the Service
2. Upload, post, email or otherwise send any Content—including but not limited to such Content—that contains computer viruses or other codes, files or programs designed to interrupt, destroy or limit the functionality of any software, computer, application or telecommunications equipment
3. Interfere with, disrupt, or make abusive use of the Service or servers or networks connected to the Service, or refuse to comply with any requirements, procedures, general regulations or regulatory provisions applicable to networks connected to the Service
4. Violate, intentionally or unintentionally, any provincial, federal or international laws or regulations in effect
5. Collect and store personal information relating to other users
6. Sell, resell or operate on any commercial basis whatsoever any portion of the Service or any use of the Service or access privileges associated with the Service

The Service and any application or software used in relation to the Service (the “Software and Applications”) may contain confidential information that is protected under intellectual property law or other applicable legislation.

The Content on the Website and in the advertising and information provided as part of the Service is protected by copyright, trademark, patent and other intellectual property right laws in effect. All Content remains the property of Desjardins, our licensors or the person recognized as the Content provider.

The Website is protected under copyright law as a collective work or compilation as defined in both Canadian and foreign laws.

Except when specifically authorized by us, you may not:

• Copy, alter, rent, borrow, sell, distribute or create derivative works based in whole or in part on the Content, the Service or the Software and Applications
• Reverse engineer, disassemble or attempt to find the source code in any other manner (except in cases prescribed by law), sell, assign, sub-license or transfer in any manner whatsoever any right to the Software and Applications
• Alter the Content or the Software and Applications in any way or use altered versions of the Software and Applications for purposes including, but not limited to, gaining unauthorized access to the Service
• Access the Service through means other than the interface provided by Desjardins for this purpose
• Use the Website or its Content, in whole or in part, for any purposes other than those stated in these Terms

All information on this Website is protected by copyright law. Users of the Website are not authorized to copy, redistribute, reproduce, repost, store in any medium, resend or modify any information contained on the Website for commercial purposes without our authorization.

Desjardins® and related trademarks are trademarks of the Fédération des caisses Desjardins du Québec. All other trademarks and logos (including certain names, words, titles, designs, graphics and icons) appearing on the pages of the Website are trademarks of Desjardins or of third parties.

The use of these trademarks without our written permission is strictly prohibited. Downloading, resending, copying or altering trademarks or other Website Content without permission may constitute a violation of federal or other copyright or trademark laws and may be subject to legal action.

To the fullest extent permissible pursuant to applicable law, under no circumstances will we be held liable for any direct or indirect damages, including, but not limited to, the loss of profits, customers, data or any other intangible assets, even if we have been advised of the possibility of such damages arising, including from:

1. The use of or the inability to use the Service or the Website
2. The accuracy of all or part of the information provided through the Website
3. Any action, inaction or investment decision based on the Website or its Content
4. Any unauthorized access to the Service by a user or following changes to your submissions or database
5. A third party’s conduct while using the Service
6. The loss or theft of a user’s computer, mobile device or smartwatch

We cannot, at any time, be held liable for any loss or damage arising from your failure to comply with any of your obligations under these Terms.

Accessibility to and delivery of the Service depend on its availability. We disclaim any warranty, express or implied, including, but not limited to, warranties of quality and compatibility of the Service for a particular purpose and warranties regarding the non-violation of the Terms by service users.

We do not warrant that:

1. The Service will be uninterrupted, timely, secure or error-free
2. The results obtained while using the Service will be reliable or accurate
3. The quality of any product, service, information or other material that you buy or obtain through the Service will meet your expectations
4. Issues with the software and applications, if any, will be fixed

You alone are responsible for any damage to your computer or loss of data resulting from any download.

No advice or information, whether written or spoken, you get from using the Service shall be construed as creating any warranty other than what is expressly stipulated in these Terms.

We may restrict or prohibit your access to the Website at our sole discretion at any time without prior notice.

The Service or third parties may include links to other websites or other sources on the web. We are not responsible for their availability, nor can we assume any responsibility for the content, links, advertising, products, services or other materials made available by or through such external websites or sources. We cannot be held responsible for any proven or alleged damage or loss resulting from or in connection with using or trusting the content, goods or services available on these external sites or sources.

That means that it is up to you to exercise discretion in how you use such external content. Likewise, you are responsible for assuming all inherent risks, particularly when you rely on the timeliness, usefulness or completeness of the content available on or via the external websites or sources proposed by the Service.

Links to websites offering downloadable software are provided for your convenience only. We cannot be held responsible for any issues in connection with downloading such software.

Links to other websites are not an indication that these sites endorse us or our products and services.

The Service is provided for information purposes only. The Content is not intended to replace any subject-specific professional advice, when required. We cannot, at any time, be held responsible for the Content or the accuracy of all or part of the information provided. Likewise, we cannot be held responsible for any decisions made based on such information.

This Website is subject to and governed by the laws of the province of Quebec. Any disputes, differences or claims related to the Website, its use or Conditions will be subject to the exclusive jurisdiction of the courts of the Province of Quebec.

These Terms constitute the entire agreement between us  relating to the use of the Service and shall replace any previous such agreements.

You may also be subject to additional terms of use specific to certain services or to third-party content and software. You will be notified of these terms when you access any such services, content or software.

Our failure to exercise our rights under these Terms does not constitute a waiver of these rights.

If any provision in these Terms is judged to be invalid by a court decision, all other provisions will remain in effect and continue to apply.

Furthermore, the use of some of our services may require compliance with additional specific rules, conditions, terms or codes of conduct that are specified in a separate agreement. Any such rules and codes of conduct are considered to form an integral part of these Terms. In the event of any discrepancy between these Terms and any applicable separate agreement, the latter shall prevail.