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Smart Cash Card Terms & Conditions

RBC® Visa Prepaid Mydoh Smart Cash Card Agreement

This Agreement governs the use of your RBC VISA Prepaid Mydoh Smart Cash Card. Be sure to read it. You can also print or save a copy to refer to later.

What this Agreement Covers

This Agreement outlines the terms that apply to an RBC VISA Prepaid Mydoh Smart Cash Card (the “Card”) issued by Royal Bank of Canada. It also tells you what your rights and duties are as the Funder of the Card, as a Co-Funder or the Holder and what the duties of Royal Bank of Canada are as the Card issuer.

We have also prepared “Frequently Asked Questions” (“FAQs”) that contain important information about the use of your Card. You can view these FAQs by
visiting www.mydoh.ca/faq or by signing in to the Mydoh app and going to Settings -> Help -> Visit our Help Centre

If you are the Funder or Co-Funder loading funds on the Card, and if you are the Holder of the Card your receipt or use of a Card, means that you have received and read this Agreement and the FAQs and agreed to all of these terms. If you are the Funder, you agree to these terms both in your own capacity and on behalf of each Holder to whom you send funds. This Agreement takes effect on the date that you have clicked to accept the terms of the Agreement.

In order to purchase or use the Card, we must provide, and you must review the Card Fees and Important Information pertaining to prepaid cards that is provided in this Agreement (“Disclosures”). As your Card is a digital card you purchase or use with a mobile device, computer or other device (“Device”), we will provide you with the

Disclosures in electronic form provided that you consent to receive them in electronic form.

By clicking “Accept & Continue” below, you consent to us making your electronic Disclosures available for you to review in this Agreement. If you want to retain copies of your electronic Disclosures, you can print or save a copy of them now. These Disclosures are also available on our website at www.mydoh.ca/rbc-terms.

IMPORTANT INFORMATION ABOUT YOUR CARD
Card Issuer: Your Card is issued by Royal Bank of Canada

Information, Card Balance: For questions about this Agreement or your Card, including your Card balance, sign in to the Mydoh app or call toll-free at 1- 888-696- 9364 within Canada or the United States. To check your Card balance, sign in to the Mydoh app and view your balance on the app header at the top of every screen. All amounts are expressed in Canadian dollars.

No CDIC Insurance: Your Card balance is not insured by the Canada Deposit Insurance Corporation.

Card Restrictions: Your Card is a digital card which means that it can be used at retailers that accept Visa contactless (tap) payments with your mobile device. Transaction limits for in-person tap purchases are typically limited to $100 per transaction. These limits may not apply when your Card is used to pay online and by telephone with retailers who accept these payments. Your Card can’t be used at retailers that accept Visa cards but do not accept contactless (tap) point of sale payments. It also cannot be used to make any type of cash withdrawal such as from an ATM or in person at a financial institution. You can make a purchase that is greater than the balance on your card if the retailer allows split payments. Retailers won’t be able to check the balance of your Card, so you’ll need to verify your balance in the Mydoh app or by calling toll-free at 1-888-696-9364 in Canada or the United States and advise the merchant in advance that you will be splitting the payment. You will need to tell the merchant the amount that you would like to have paid with your Card. Notwithstanding

the foregoing, a Funder and Co-Funder can only use their Card to hold funds loaded into their Mydoh App or fund transfers to associated Holders.

No Funds Expiry: Your right to use the funds that are loaded on the Card will not expire but your Card expires at the end of the month associated with your Card. The remaining balance on your original Card will be placed on your new Card at no additional cost. If you are only a Holder and not a Funder or Co-Funder, you can check the expiry date by selecting “Wallet” on the footer and tapping the card and providing your password.

Card Customization: You can customize your Card by selecting the Card customization option. This option allows you to create a custom design for your Card by uploading photos from your Device or selecting an image from the Mydoh App’s gallery. If you upload a photograph of you or another individual, it will be handled in accordance with the Privacy Section of Terms and Conditions of the Mydoh App to which you have agreed previously. If you select to customize your Card, additional fees will apply, as described below, each time a customized Card is generated including for any replacement customized Cards. You represent and warrant that you have all rights in and to the photos and/or images uploaded from your Device to customize your Card. We reserve the right to reject a custom design in our sole discretion.

Card Fees: The following fees apply to your Card:

Card Customization Fee – A fee of $6.99 per Card applies if you chose to get a custom design for your Card. The Card customization fee is charged at the time of order for each customized Card and for any replacement Customized Card. Customized Cards are optional. Standard Cards are provided at no cost.

Foreign Currency Conversion – Transactions in a foreign currency will be converted into Canadian dollars no later than the date Royal Bank posts the transaction to the Card at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays the payment card network that is in effect on the date of conversion.

Information about fees that apply to your Card, as set out in the information box above, is also available by calling toll-free at 1-888-696-9364 within Canada or the United

States. However, fees may change. If they do, Royal Bank will tell you in advance as described below under “Amending or Cancelling this Agreement”.

What happens if my Card or Device gets compromised, stolen or misused?

You must contact Royal Bank immediately:

  • if your Card or Device, a Card you funded, or a Device with a Card you funded is compromised, stolen or misused; or
  • if you suspect that someone else, without your authorization, is using your Card or your Card number or a Card you funded or the Card number of a Card you funded. Once you have told Royal Bank that the Card or Device has been lost, stolen or misused, Royal Bank will be able to prevent use of the Card and the Card number. Royal Bank can also block use of your Card and prevent use of your Card number without telling you if Royal Bank suspects unauthorized or fraudulent use of the Card or the Card number. Definitions. Here are some key terms used in this Agreement and what they mean:
  • “Co-Funder” means the person who the Funder has permitted access in accordance with the terms of this Agreement and who also funds the Card(s) associated with their Mydoh App
  • “Device” means any mobile device, computer or other devices you use to purchase or use your Card.
  • “Funder” means the person who funds the Card(s) associated with their Mydoh App.
  • “Holder” means the person who receives and accepts the Card through the Mydoh App and will include a Funder and co-Funder who has loaded funds on to a Card for holding and transferring funds in the Mydoh App.
  • “Mydoh App” means the app that that the Holder downloads to a mobile device for the purpose of receiving and accepting the Card and to access certain services with respect to the Card.
  • “You” or “Your” means the Funder, co-Funder or Holder or all three, as applicable.
  • “We”, “our’, “us” or “Royal Bank” means Royal Bank of Canada. Rights and duties of the Funder With respect to a Card funded for the use by a Holder, a Funder of the Card has the following rights:
  • to instruct Royal Bank to deliver the Card to the Holder;
  • to load funds on the Card;
  • view the Holder’s balance and spending activity (if applicable); and
  • to lock the Card and prevent use by the Holder. The Funder may cancel the Card at any time and receive a refund of the funds remaining on the Card at the time of cancellation. We may deactivate the Card if (1) neither the Funder, nor the Holder login into the Mydoh App for six (6) consecutive months, (2) there are no funds on the Card or (3) your access to the Mydoh App is terminated in accordance with the Mydoh App Terms and Conditions. We are required by law to collect personal information about the Funder, Co-
    Funder and the Holder for identification and recordkeeping purposes. We also need to collect information to be able to process, administer and service the Card. Refer to the Privacy section of the Terms and Conditions of the Mydoh App. Rights and duties of the Holder
    Using Your Card
    This Card, the Card balance or any other record relating to the Card:
    (a) is a digital prepaid card account only, unless you request a physical card be issued.

(b) is not refundable and may not be cancelled by you unless you are also the Funder of the Card but, as a Holder, you have the ability to transfer any or all of the Card balance to the Funder (subject to daily and/or monthly limits);

(c) is not a deposit with us or related to or connected in any way with a bank account with us;

(d) does not constitute evidence of indebtedness or liability by us to you, except to honour transactions initiated with the Card as provided for in this Agreement; there is no interest payable to you on any Card balance; and

This Card may only be used by the Holder and it is non-transferable other than the limited ability of the Holder to transfer any or all of the Card balance to the Funder (and Co-Funder if applicable), as described above. You can use your Card and your Card number for any permitted purpose, including, if you are not a Funder, paying for goods and services, whether you buy in person from a retailer that accepts contactless (tap) purchases with your mobile device, over the phone, on the Internet or by mail order. You may not use your Card or your Card number for any illegal, improper or unlawful purpose. We also reserve the right to prevent your Card or your Card number from being used for certain types of transactions as determined by us, including transactions connected to Internet gambling or alcohol purchase.

Rights and Duties of the Co-Funder

With respect to a Card funded for the use by a Holder, a Co-Funder of the Card has the following rights:

  • to load funds on the Card; and
  • view the Holder’s balance and spending activity (if applicable)
  • to lock the Card and prevent use by the Holder The Co-Funder does not have the right to instruct Royal Bank to deliver the Card to the Holder or cancel the Card. The Co-Funder’s access to the Mydoh App may be terminated in accordance with the terms of this Agreement and/or Mydoh App Terms and Conditions. For clarity, the Co-Funder’s access may be terminated by the Funder who invited them at any time. We are required by law to collect personal information

about the Funder, Co-Funder and Holder for identification and recordkeeping purposes. We also need to collect information to be able to process, administer and service the Card. Refer to the Privacy section of the Mydoh App Terms and Conditions.

Protection Against Unauthorized Use

If someone uses your Card or your Card number to make a purchase or otherwise obtain the benefits of your Card, you will be fully liable for all charges incurred in connection with such use except in cases of fraudulent or unauthorized use. You will not be responsible for charges to your Card as a result of the fraudulent and unauthorized use provided that you (i) are able to establish to our reasonable satisfaction that you have taken reasonable steps to protect your Card against loss or theft, (ii) cooperate fully with our investigation, and (iii) did not contribute to the unauthorized use of your Card or Card number. Treat this Card as you would cash and contact us immediately if your Card is compromised or stolen or if someone else may know your Card number. “Unauthorized use” means use by a person other than you who does not have actual, implied or apparent authority for such use, and from which you do not receive any benefit.

Problems with a Purchase

If you have problems with anything you buy using your Card or your Card number, you must settle the problem directly with the store or merchant. In some circumstances, we may be able to provide assistance in resolving disputed or declined transactions.

Adjustments

We may debit or adjust the funds remaining on a Card for any amount that we determine, in our discretion, was credited to the Card, or otherwise paid to you, a Holder, on your behalf or on a Holder’s behalf, as a result of: (1) an error, or (2) a forgery, fraud, unlawful or improper activity, or transaction undertaken without a Funder’s or Holder’s authorization

We may attempt to recover funds as applicable, but we will not be liable for doing so late or improperly.

You acknowledge and agree that you do not acquire rights to funds credited to your Card in error merely by virtue of the fact that such credit has been made, regardless of the length of time the funds remain on the Card.

If sufficient funds are not available on your Card as a result of an adjustment, you agree to immediately pay us and you will be liable to us for any such amounts owed.

If the debit or adjustment involves a currency exchange, you agree that you will be responsible for any cost or loss associated with the currency exchange, and we may charge this cost to the Card. You acknowledge that the exchange rate used may result in revenue being earned by us on the conversion.

Limitations on our Liability

We try to ensure that your Card and Card number are accepted when presented. However, we will not be liable to you for damages (including special, indirect or consequential damages) that may result if, for any reason, your Card or Card number is not accepted or you are unable to access your balance or any information about your Card.

Amending or Cancelling this Agreement

Amendments: We may amend this Agreement at any time. if we increase a fee, establish a new fee, or make any other changes, we will let you know by sending a notice to the most recent mailing or email address we have for you at least 30 days in advance, and by posting online at www.mydoh.ca/faq at least 60 days in advance.

If your Card or Card number is used after the Agreement is amended, it will mean you accept the amendments we have made. Notwithstanding the foregoing, you may refuse the amendments, terminate this Agreement and request to cancel your Card without cost, penalty, or cancellation indemnity by sending us a notice to that effect no later than thirty (30) days after the amendments come into force, if the amendments result in an increase in your obligations or a reduction in our obligations. You may send us your notice at support@mydoh.ca. You may also call us at 1 (888) 696-9364.

Cancellation: We may cancel this Agreement at any time without telling you in advance if we reasonably believe that (i) your Card or Card number is being or is likely to be misused; (ii) you are in breach of this Agreement; or (iii) for the Holder, if the Funder requests that we cancel your Card or (iv) for the Co-Funder, if the Funder requests that

we cancel your access to the account. In all other instances, we will let you know at least 30 days in advance by posting online at www.mydoh.ca/faq or, at our discretion, by sending you written or electronic notice, and you will be able to receive the balance on your Card by contacting us.

You may cancel your Card at any time by sending us a request to that effect
at support@mydoh.ca. You may also call us at 1 (888) 696-9364. Cancelling your Card will terminate this Agreement and the Mydoh App Terms & Conditions.

Complaints

If you have a complaint regarding your Card you can contact us at support@mydoh.ca. If Mydoh is unable to resolve the complaint, or at your request, your complaint will be escalated to RBC Client Care by our Customer Support team.

Interpreting and enforcing this Agreement

This Agreement is made in and will be interpreted in accordance with the applicable laws of the province or territory in which you reside (or the applicable laws of Ontario if you reside outside Canada) and the applicable laws of Canada. In the event of a dispute, you agree that the courts in the province or territory where you reside shall be competent to hear such dispute and you agree to be bound by any judgment of that court.

Language (Quebec residents only) / Langue (Résidents du Québec seulement)

You acknowledge you were offered the choice to enter into this Agreement in English or French. You have selected to enter into this Agreement in English, after being provided with the French version. Therefore, you agree that this Agreement and any document related to it, including notices, will be in English only. Vous reconnaissez qu’on vous a offert le choix de conclure cette convention en français ou en anglais. Vous avez choisi de conclure cette convention en anglais, après avoir reçu la version française. Par conséquent, vous acceptez que cette convention et tous les documents qui s’y rattachent, y compris les avis, soient en anglais seulement.

• Protecting Your Privacy To understand how we collect, use and share your personal information, please see the Privacy section of the Terms and Conditions of the Mydoh App.