Terms and conditions

Terms of Services

These Terms of Service (“Terms”) govern your use of BMO Match Card. BMO Match Card is an application designed, developed, and hosted by BMO Match Card Pvt. Ltd. All data, text, designs, pages, graphics, user interfaces, visual interfaces, images, artwork, photographs, trademarks, logos, audio, video, HTML code, source code, or software (collectively, “Content”) that reside or are viewable on the Site are the property of BMO Match Card Pvt. Ltd.

By visiting or using BMO Match Card, you expressly agree to and consent to be bound by these Terms, as updated from time to time. You represent and warrant that you have the authority to accept this Agreement on behalf of yourself, a company, and/or other group or entity, as applicable. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS, DO NOT USE THE SITE.

This Agreement, along with any accompanying Terms and documents incorporated into this Agreement by reference, constitutes the entire agreement between you and BMO Match Card regarding the Site and supersedes all prior agreements and understandings regarding your use of BMO Match Card, whether written or oral, or whether established by custom, practice, policy, or precedent.

Nothing in this Agreement shall be construed to grant you a right to any other BMO Match Card service, and BMO Match Card Pvt. Ltd. reserves the right to discontinue any BMO Match Card product or service at any time in its sole discretion.

Description of service

BMO Match Card offers a cutting-edge digital platform that provides secure and efficient management of digital identities. Through our innovative services, users can access and verify their credentials, ensuring the highest levels of privacy, control, and security. Whether you are an individual or an organization, BMO Match Card enables seamless verification, authentication, and secure sharing of documents.

Our platform is designed to empower users with the autonomy over their personal and professional data, enabling them to share information on their terms and reduce reliance on centralized authorities. With a focus on data privacy and user control, BMO Match Card delivers solutions tailored to modern needs, including real-time updates and encrypted data exchanges for an enhanced user experience.

Ownership of Content and License

When you use the Site, you provide us with your files, documents, certifications, and other related information, as well as the eKYC details from Aadhaar in the case of Aadhaar-linked accounts. You also grant us and our registered issuers permission to store your documents or certificates in your BMO Match Card account electronically, or via URIs. You have the option to share your content with other BMO Match Card users. Your documents will remain private unless you choose to share them.

BMO Match Card grants you a limited, revocable, non-exclusive, non-sublicensable, and non-transferable license to use our Services, in accordance with our Terms. This license allows you to use the Services in the manner permitted by these Terms. Any violation of these terms will result in the termination of your account.

You retain all intellectual property rights to your content. BMO Match Card does not claim ownership of any content, including text, data, information, and files that you upload, share, or store in your BMO Match Card account. However, we require legal permission (a “license”) to use this content for the purpose of hosting it on our servers and backing it up. This is solely for the purpose of providing and improving our products and services. The license will end once your content is deleted from the Site.

You are solely responsible for the content you share and the consequences that may arise. BMO Match Card does not actively pre-screen content, but reserves the right to refuse or remove any content or account that, in its sole discretion, is found to be unlawful, offensive, threatening, promoting violence, defamatory, pornographic, or in violation of BMO Match Card’s Terms of Service, Privacy Policy, or any other user or third-party intellectual property rights.

Account, Security, and Consent

To use BMO Match Card services, you are required to open an account. You are solely responsible for maintaining the confidentiality of the information you hold for your account, including your password, and for any and all activity that occurs under your account as a result of your failure to keep this information secure and confidential. You must enter your mobile number when creating an account on BMO Match Card. By linking your Aadhaar number to your BMO Match Card account, you grant BMO Match Card permission to use your Aadhaar information for authentication and to retrieve your eKYC data from the UIDAI servers via our authorized verifier partner to provide the BMO Match Card service. The privacy policy of partners, government departments, and organizations which are registered with DigiLocker can deposit digital copies of documents and certificates issued by them, directly into the citizens’ lockers or allow these documents to be accessed through uniform resource identifiers (URIs) from issuer repositories. These issuers could be public or semi-public bodies, private agencies, institutions, and corporations. By creating an account on BMO Match Card, you hereby give your irrevocable consent to these issuing bodies to lodge your documents and certificates with your BMO Match Card application.

Disclaimers

BMO Match Card has been designed to provide high availability, tested for functionality, and audited for security. However, BMO Match Card does not promise, represent, or warrant that the Site or any content, service, or feature of the Site will be error-free or uninterrupted, or completely secure. BMO Match Card does not warrant that the efficiency of any product, service, information, or other material obtained by you through the Site will meet your or any other person’s expectations, achieve any intended result, be compatible or work with any software, system, or other services except if and to the extent expressly set forth in the specifications or that any errors in the site will be corrected. The Site and its content are delivered on an “as-is” and “as-available” basis. All information provided on the Site is subject to change without notice. BMO Match Card disclaims all warranties, express or implied, including any warranties of accuracy, non-infringement, merchantability, and fitness for a particular purpose.

Limitation of Liability

You expressly understand and agree that in no event will BMO Match Card, or its affiliates, officers, directors, employees, and agents be liable for any expense, loss, or damage including, without limitation, indirect, consequential, exemplary, or incidental loss or damage, or any expense, loss, or damage whatsoever arising from use, or loss of use, of data, arising out of or in connection with the use of BMO Match Card.

Indemnity

You agree to defend, indemnify, and hold harmless BMO Match Card and its affiliates, officers, directors, employees, and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney’s fees) relating to any allegation or third-party legal proceeding to the extent arising from: a) your use of and access to the Site and Service. b) your violation of any term of this Agreement. c) your violation of any third-party right, including without limitation, any copyright, property, or privacy right; or d) any claim that your User Content caused damage to a third party.

Limitation on Use

The BMO Match Card platform is for your personal use only and not for commercial exploitation. You may not decompile, reverse engineer, disassemble, rent, lease, loan, sell, sublicense, copy, modify, reproduce, republish, distribute, display, or create derivative works from BMO Match Card. Nor may you use any network monitoring or discovery software to determine the site architecture, or extract information about usage, individual identities, or users. You will not use any robot, spider, other automatic software or device, or manual process to monitor or copy BMO Match Card without our prior written permission. Any unauthorized use of BMO Match Card is prohibited. The use of any software (e.g., bots, scraper tools) or other automatic devices to access, monitor, or copy the website pages is prohibited unless expressly authorized by BMO Match Card in writing. You may not use the Site or any Content for any purpose that is unlawful or prohibited by these Terms of Use, or to solicit the performance of any illegal activity or other activity which infringes the rights of BMO Match Card or others.

Right to Modify or Terminate

BMO Match Card reserves the right, at any time, to modify or discontinue, temporarily or permanently, the Service (or any part of it), with or without notice. BMO Match Card, in its sole discretion, reserves the right to suspend or terminate any user account and refuse any current or future use of the platform for any reason at any time. Such termination may result in the deactivation or deletion of the account, and the loss of all the content hosted therein.

Translations

Translations on the BMO Match Card portal are prepared by third-party translators. Reasonable efforts have been made to provide an accurate translation; however, no automated translation is perfect nor is it intended to replace human translators. Translations are provided as a service to users of the BMO Match Card portal and are provided “as is.” Some content (such as images, videos, Flash, etc.) may not be accurately translated. No liability is assumed by BMO Match Card for any errors, omissions, or ambiguities in the translations from English into any other language provided on this portal. If any questions arise concerning the accuracy of the information presented by the translated version of the website, please refer to the English version of the website, which is the official version. If you would like to report a translation error or inaccuracy, we encourage you to please contact us.

Miscellaneous

BMO Match Card reserves the right, at its sole discretion, to change, modify, add, or remove portions of these Terms of Use, at any time without written notice by posting the modified Terms on this website indicating the ‘last updated date.’ Any changes we make will be effective immediately. Accordingly, you take the responsibility to check these Terms of Use periodically for changes. Your continued use of the Site after such revisions shall constitute acceptance of the modified Terms.

Jurisdiction

These Terms shall be governed by and construed in accordance with Indian law. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in New Delhi only.

Responsibilities

We take great care to ensure the use of this Website and the services available through it, such as online banking, are safe and secure. Our commitment is to protect the security of our customers’ funds and the confidentiality of personal and financial information stored in the web server hosting our Website and our internal systems.

Unauthorized use of this Website and our systems, including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information on the Website, is strictly prohibited.

While we take considerable care in preparing and maintaining the information on this Website, it is provided on an “as is” basis, without any express or implied warranties. We disclaim responsibility or liability for any damages caused to computer systems, software, or electronic files due to computer viruses, “worms,” “trojan horses,” or other disruptive, intrusive, or destructive elements.

Please note that regular, unencrypted e-mail messages over the Internet are not secure (i.e., not private). Do not send personal or financial information to us via unencrypted e-mail. Secure communication methods are available to Online Banking customers. We are not liable if confidential information sent via unencrypted e-mail becomes public through no fault of ours.

For more details on liability and limitations of liability related to online banking, please refer to your Electronic Banking Services Agreement.

The products and services described on this Website are only available in jurisdictions where they may legally be offered for sale.

The information on this Website does not constitute an offer or solicitation in any jurisdiction where such an offer or solicitation cannot be legally made, nor to any person for whom it is unlawful to make such a solicitation.

All products and services are subject to the terms and conditions outlined in the applicable agreements.

The information contained on this Website and its pages is for informational purposes only. It is not intended to provide specific legal, accounting, financial, or tax advice and should not be relied upon for such purposes.

The facts and information provided by Bank of Montreal and its subsidiaries and affiliates are believed to be accurate when posted on the Website. However, changes may be made to the information on this Website at any time without prior notice. For complete and up-to-date information on products and services, please consult any branch of BMO Bank of Montreal in Canada

While we make every effort to ensure that all software provided on this Website is suitable for use on a variety of computer systems, you should take reasonable precautions to scan for computer viruses and verify the compatibility of the software with your specific system. Additionally, you should ensure that you have a complete and current backup of the information on your computer before installing any software.

Links from this Website to other Websites, or references to products, services, or publications other than those of Bank of Montreal and its subsidiaries and affiliates, do not imply endorsement or approval of such Websites, products, services, or publications by Bank of Montreal or its subsidiaries and affiliates.

In compliance with the Support Orders and Support Provisions (Banks and Authorized Foreign Banks) Regulations and Support Orders and Support Provisions (Trust and Loan Companies) Regulations, the following locations have been designated for the service of enforcement notices for the provinces listed below for BMO Bank of Montreal:

Alberta and Northwest Territories
Edmonton Main Branch
10199-101 Street NW
Edmonton, Alberta, T5J 3Y4
Transit 0014
Fax: (780) 408-0577

British Columbia and Yukon
Vancouver Main Branch
595 Burrard Street
Vancouver, British Columbia, V7X 1L7
Transit 0004
Fax: (604) 665-6614

Manitoba
Winnipeg Main Branch
Suite 100 – 201 Portage Avenue
Winnipeg, Manitoba, R3B 3K6
Transit 0003
Fax: (204) 985-2099

New Brunswick
Moncton Main Branch
633 Main Street
Moncton, New Brunswick, E1C 8P7
Transit 0035
Fax: (506) 853-5714

Newfoundland and Labrador
St. John’s Main Branch
238 Water Street
St. John’s, Newfoundland A1C 1A9
Transit 1002
Fax: (709) 758-2157

Nova Scotia
Halifax Main Branch
5151 George Street
Halifax, Nova Scotia, B3J 2M3
Transit 0009
Fax: (902) 421-3697

Ontario and Nunavut
Toronto Main Branch
100 King Street W
P.O. Box 3
Toronto, Ontario, M5X 1A3
Transit 0002
Fax: (416) 867-5020

Prince Edward Island
Charlottetown Main Branch
105 Grafton Street
Charlottetown, Prince Edward Island, C1A 7L2
Transit 0037
Fax: (902) 566-4753

Quebec
BMO Group financier et Société de fiducie BMO Groupe financier
Succursale principale
119, rue Saint-Jacques
Montreal, Quebec, H2Y 1L6
Transit 0001
Fax: (514) 877-8118″

BMO Financial Group’ and ‘BMO Bank of Montreal’ are marketing names (also referred to as trade names or brand names) used by Bank of Montreal.

‘BMO Wealth Management’ is a brand name that refers to Bank of Montreal and certain of its affiliates in providing wealth management products and services.

Certain names, graphics, logos, icons, designs, words, titles, or phrases on this Website are trade names or trademarks owned by Bank of Montreal or other entities, or licensed to them. Trademarks may be registered in Canada and other countries as applicable. The Bank’s trademarks are, in most cases on this Website, accompanied by an appropriate trademark symbol such as ®, TM, or similar indicator to denote Bank of Montreal’s ownership:

® Registered trademark of Bank of Montreal
TM Trademark of Bank of Montreal

Some of the registered trademarks owned by Bank of Montreal include:
“BMO”, “Bank of Montreal”

The display of trademarks on pages of this Website does not imply that a license of any kind has been granted to anyone else. Unauthorized downloading, re-transmission, or other copying or modification of trademarks and/or the contents herein may violate federal or common law, trademark, and/or copyright laws, and could subject the violator to legal action.

®* — Bank of Montreal is a licensed user of the registered trademark and design owned by Mastercard International Inc., the Interac trademark of Interac Inc., and the Cirrus trademark of Cirrus System Inc.

®§ — Interac and Interac e-Transfer are registered trademarks of Interac Inc. Used under license.

®†/TM† — Trademarks of AM Royalties Limited Partnership used under license by AIR MILES Loyalty Inc. and Bank of Montreal.

®# — Bank of Montreal is a licensed user of the Maestro trademark owned by Maestro International Incorporated.

® ** Registered trademark of Student Price Card Ltd.

®††/TM†† — Trademarks of American Express Company.

®** S&P/TSX 60® and S&P 500® are trademarks of the McGraw-Hill Companies Inc. “TSX” is a trademark of the Toronto Stock Exchange. These marks have been licensed for use by Bank of Montreal.

® Diners Club and Diners Club International with the Split Circle Device, Club Rewards, and Club Cash are registered trademarks of Diners Club International Ltd.; Bank of Montreal is a licensed user.

®# 2015 Western Union Holdings, Inc. All Rights Reserved.

®†† National, the “flag” and Emerald Club are trademarks of Vanguard Trademark Holdings USA, LLC.

®** Alamo is a trademark of Vanguard Trademark Holdings USA, LLC.

®# CREDIT ALERT® is a federally registered trademark of Intersections Inc. Credit Alert is offered in Canada by Sigma Loyalty Group Inc. Used under license by Bank of Montreal.

TM†# InfoProtector® 360 is a trademark of Sigma Loyalty Group Inc. Used under license by Bank of Montreal.

Apple, the Apple Logo, Apple Pay, iPhone, Apple Watch, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries.

Boingo, Boingo Wireless, Boingo Wi-Finder, and the Boingo Wireless Logo are registered trademarks of Boingo Wireless, Inc.

© Copyright Bank of Montreal 1996 – 2003

Unauthorized use of the Bank’s logos and/or name, trade names, trade-marks, or trade names is prohibited. All information on this site is protected under the copyright laws of Canada and 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 on this Website. If you wish to incorporate the Bank name or trade names, or our product names within another site, please contact us for permission.