{"id":39635,"date":"2026-10-28T03:27:05","date_gmt":"2026-10-28T03:27:05","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/?post_type=rbc_my_money_matter&#038;p=39635"},"modified":"2026-10-28T03:36:29","modified_gmt":"2026-10-28T03:36:29","slug":"comprendre-les-agents-dia-tiers-et-vos-services-bancaires","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/cybersecurite\/comprendre-la-cybersecurite\/comprendre-les-agents-dia-tiers-et-vos-services-bancaires\/","title":{"rendered":"Comprendre les agents d\u2019IA tiers et vos services bancaires"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Les agents d\u2019IA personnels font d\u00e9sormais partie du quotidien num\u00e9rique de certains Canadiens.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les agents d\u2019IA personnels font d\u00e9sormais partie du quotidien num\u00e9rique de certains Canadiens.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un agent d\u2019IA pourrait aider les consommateurs \u00e0 trouver de meilleures offres, \u00e0 faire des choix plus \u00e9clair\u00e9s et \u00e0 r\u00e9duire les frictions au quotidien. Il pourrait \u00e9galement aider les entreprises \u00e0 fonctionner plus efficacement, et nous le constatons d\u00e9j\u00e0 chez certains clients que nous accompagnons. Cela dit, pour que l\u2019IA s\u2019int\u00e8gre pleinement \u00e0 la vie \u00e9conomique de tous les jours, les gens et les entreprises doivent lui faire confiance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour accomplir ces t\u00e2ches, les agents d\u2019IA personnels ont besoin d\u2019acc\u00e9der \u00e0 vos comptes en ligne, y compris vos comptes financiers, et peuvent conserver vos mots de passe pour y parvenir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Toutefois, \u00e0 mesure que ces syst\u00e8mes deviennent plus autonomes, les enjeux s\u2019intensifient lorsqu\u2019un probl\u00e8me survient \u2014 qu\u2019il s\u2019agisse de fraude ou de pr\u00e9judice caus\u00e9 aux consommateurs, ou de risques qui pourraient se r\u00e9percuter plus largement sur l\u2019ensemble du syst\u00e8me financier. C\u2019est pourquoi, apr\u00e8s une analyse approfondie de nos connaissances actuelles, RBC a d\u00e9cid\u00e9 de bloquer l\u2019acc\u00e8s direct des agents d\u2019IA personnels tiers aux propri\u00e9t\u00e9s num\u00e9riques authentifi\u00e9es de RBC, y compris les services bancaires en ligne.<\/p>\n\n\n\n<h2 id=\"h-pourquoi-nous-prenons-cette-mesure\" class=\"wp-block-heading\">Pourquoi nous prenons cette mesure<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Chez RBC, votre s\u00e9curit\u00e9 et la protection de vos renseignements personnels est notre priorit\u00e9 absolue. La confiance est au c\u0153ur de nos relations avec nos clients \u2014 et bien que nous reconnaissions les avantages de l\u2019IA pour gagner du temps, rien n\u2019est plus important que la s\u00e9curit\u00e9 des renseignements des clients.<\/p>\n\n\n\n<h2 id=\"h-vos-services-bancaires-restent-entre-vos-mains\" class=\"wp-block-heading\">Vos services bancaires restent entre vos mains<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous utilisiez un agent d\u2019IA tiers pour acc\u00e9der \u00e0 vos comptes RBC, ces connexions cesseront de fonctionner.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez continuer \u00e0 :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">Acc\u00e9der aux services bancaires num\u00e9riques de RBC directement par l\u2019entremise de notre site Web officiel et de notre application mobile<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">Utiliser les outils et fonctionnalit\u00e9s num\u00e9riques de RBC<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">Communiquer avec notre \u00e9quipe du service \u00e0 la client\u00e8le pour obtenir de l\u2019aide avec vos comptes<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-notre-engagement-continu-envers-vous\" class=\"wp-block-heading\">Notre engagement continu envers vous<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Votre opinion compte \u2014 si vous avez des questions ou des pr\u00e9occupations, veuillez communiquer avec le <a href=\"https:\/\/www.rbcroyalbank.com\/fr\/service-a-la-clientele\/index.html\" data-dig-id=\"LP-39635-a105a60f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"service \u00e0 la client\u00e8le de RBC.\" class=\"rbc-link-format\">service \u00e0 la client\u00e8le de RBC.<\/a><\/p>\n\n\n\n<h2 id=\"h-notre-garantie-envers-vous\" class=\"wp-block-heading\">Notre garantie envers vous<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Gr\u00e2ce \u00e0 la Garantie de s\u00e9curit\u00e9 des Services bancaires num\u00e9riques RBC, vous \u00eates enti\u00e8rement prot\u00e9g\u00e9 contre toute op\u00e9ration num\u00e9rique admissible que vous n\u2019avez pas effectu\u00e9e ni approuv\u00e9e, pourvu que vous ayez assum\u00e9 vos propres obligations<sup><a href=\"#legal-1\" data-dig-id=\"LP-39635-0c7ab2a0\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup>. Nous rembourserons int\u00e9gralement toute op\u00e9ration non autoris\u00e9e effectu\u00e9e au moyen de l\u2019appli Mobile RBC<sup><a href=\"#legal-two\" data-dig-id=\"LP-39635-113933f0\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup> ou de RBC Banque en direct2 qui est couverte par la Garantie de s\u00e9curit\u00e9 des Services bancaires num\u00e9riques RBC.<\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-b-0 mar-b-0 mob-pad-r pad-l-0 pad-r-0\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-39635-8abbab6a\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>Afficher le d\u00e9ni de responsabilit\u00e9<\/span><span>Masquer l\u2019avis de non-responsabilit\u00e9<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block mob-mar-r mar-b-hlf\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p class=\"has-text-sm-font-size wp-block-paragraph\"><strong>Notre engagement envers vous<\/strong> : Nous vous rembourserons toute perte mon\u00e9taire d\u00e9coulant directement de l\u2019une ou l\u2019autre des op\u00e9rations non autoris\u00e9es suivantes effectu\u00e9es dans votre ou vos comptes \u00e0 l\u2019aide des Services bancaires num\u00e9riques ou des modes de paiement mobile (les <strong>\u00ab op\u00e9rations non autoris\u00e9es \u00bb<\/strong>) :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">les op\u00e9rations port\u00e9es \u00e0 votre ou vos comptes apr\u00e8s que vous nous ayez inform\u00e9s que vous pensez que l\u2019un de vos mots de passe pourrait \u00eatre connu d\u2019une autre personne ou que vous avez remarqu\u00e9 des activit\u00e9s anormales, douteuses ou frauduleuses dans l\u2019un de vos comptes ;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">les op\u00e9rations r\u00e9sultant de fraude, de vol, de ruse, de force ou d\u2019intimidation, \u00e0 condition que vous nous signaliez l\u2019incident imm\u00e9diatement et que vous collaboriez pleinement \u00e0 toute enqu\u00eate que nous pourrions effectuer ;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">les op\u00e9rations r\u00e9sultant d\u2019une conduite n\u00e9gligente de notre part ou de la part de nos employ\u00e9s ou de tiers prestataires de services ;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">les virements <em>Interac<\/em> r\u00e9sultant d\u2019une conduite n\u00e9gligente de la part de tout tiers prenant part au processus de paiement ; et<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">toute op\u00e9ration r\u00e9sultant d\u2019un manquement, d\u2019une erreur, d\u2019un mauvais fonctionnement ou d\u2019un probl\u00e8me technique de notre syst\u00e8me ou mat\u00e9riel ou du syst\u00e8me ou mat\u00e9riel d\u2019un tiers prestataire de services ou d\u2019un tiers prenant part au processus de paiement.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-sm-font-size wp-block-paragraph\"><strong>Vos responsabilit\u00e9s<\/strong> : En d\u00e9pit de ce qui pr\u00e9c\u00e8de, nous d\u00e9clinons toute responsabilit\u00e9 quant aux pertes dans votre ou vos comptes et ne rembourserons aucune somme si :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">vous ne vous \u00eates pas acquitt\u00e9 de l\u2019une ou l\u2019autre de vos obligations au titre des pr\u00e9sentes ou vous ne vous \u00eates pas conform\u00e9 aux directives que nous pouvons p\u00e9riodiquement vous donner \u00e0 l\u2019\u00e9gard des Services bancaires num\u00e9riques ou des paiements mobiles ;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">vous avez pris part \u00e0 des activit\u00e9s frauduleuses, criminelles ou malhonn\u00eates li\u00e9es aux Services bancaires num\u00e9riques ou aux paiements mobiles ;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">vous avez acc\u00e9d\u00e9 aux Services bancaires num\u00e9riques ou aux modes de paiement mobile avec un appareil dont vous saviez ou auriez d\u00fb raisonnablement savoir qu\u2019il contient un logiciel qui peut r\u00e9v\u00e9ler vos mots de passe, vos questions d\u2019identification personnelle ou une question et r\u00e9ponse Virement <em>Interac<\/em>, ou les compromettre d\u2019une autre mani\u00e8re ;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">vous avez ex\u00e9cut\u00e9 l\u2019op\u00e9ration, y compris si elle r\u00e9sulte d\u2019une erreur, d\u2019une omission, d\u2019une inexactitude ou d\u2019une autre anomalie des donn\u00e9es ou des renseignements ou contenue dans les donn\u00e9es ou les renseignements que vous nous fournissez ;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">vous avec r\u00e9v\u00e9l\u00e9 l\u2019un de vos mots de passe ou l\u2019une de vos questions d\u2019identification personnelle ; ou<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"wp-block-paragraph\">vous avec consenti ou contribu\u00e9 \u00e0 l\u2019op\u00e9ration, ou l\u2019avez autoris\u00e9e de quelque mani\u00e8re que ce soit.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-sm-font-size wp-block-paragraph\"><strong>Pertes exceptionnelles<\/strong> : Nous ne serons en aucun cas tenus responsables, m\u00eame en cas de n\u00e9gligence de notre part, des pertes de donn\u00e9es ni des dommages-int\u00e9r\u00eats indirects, cons\u00e9cutifs, particuliers, aggrav\u00e9s, punitifs ou exemplaires, en tout ou en partie (notamment les interruptions de service, les pertes de profits, de donn\u00e9es, de renseignements, d\u2019occasions, de revenus, d\u2019achalandage ou autres pertes de nature commerciale ou \u00e9conomique), dont vous \u00eates victime, sans \u00e9gard \u00e0 la cause d\u2019action, m\u00eame si nous avons \u00e9t\u00e9 inform\u00e9s de l\u2019\u00e9ventualit\u00e9 de ces dommages.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour obtenir tous les d\u00e9tails sur les protections et les limites de la Garantie de s\u00e9curit\u00e9 des Services bancaires num\u00e9riques RBC, y compris votre obligation de veiller \u00e0 la s\u00e9curit\u00e9 de vos op\u00e9rations, veuillez consulter la <a href=\"https:\/\/www.rbcbanqueroyale.com\/banqueendirect\/convention-dacces-electronique.html\" target=\"_blank\" rel=\"noopener\">Convention d\u2019acc\u00e8s \u00e9lectronique<\/a> et la <a href=\"https:\/\/www.rbcroyalbank.com\/banqueendirect\/servicech\/pdf\/PDA_Client_Card_Personal_Identification_Number_Agreement.pdf\" target=\"_blank\" rel=\"noopener\">Convention r\u00e9gissant la Carte-client<\/a> \u00e0 l\u2019intention des clients des Services bancaires aux particuliers, et la <a href=\"http:\/\/www.rbcbanqueroyale.com\/endirect\/_assets-custom\/pdf\/mca-agreement-fr.pdf?_ga=2.220773275.2037082923.1589210381-1117306537.1586187446\" target=\"_blank\" rel=\"noopener\">Convention cadre<\/a> pour entreprise cliente. Cette garantie est fournie par la Banque Royale du Canada pour ses services bancaires en ligne et mobiles. Anciennement Garantie de s\u00e9curit\u00e9 RBC Banque en direct.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block  mar-b-hlf\"><div class=\"table-row\" id=\"legal-two\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>2<\/sup><\/div><div class=\"table-cell\">\n<p class=\"pad-b-hlf has-text-sm-font-size wp-block-paragraph\">L\u2019appli Mobile RBC est exploit\u00e9e par Banque Royale du Canada, RBC Placements en Direct Inc. et RBC Dominion valeurs mobili\u00e8res Inc. Les applis RBC Canada, Portefeuille RBC, RBC R\u00e9compenses et C@deau RBC sont exploit\u00e9es par Banque Royale du Canada. Le service RBC Banque en direct est exploit\u00e9 par Banque Royale du Canada.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>La Banque Royale du Canada bloque les agents d\u2019IA personnels tiers \u2014 y compris MuseMC de Meta \u2014 pour ce qui est de l\u2019acc\u00e8s \u00e0 vos comptes RBC. Voici ce qu\u2019il faut savoir.<\/p>\n","protected":false},"author":112,"featured_media":39637,"parent":6562,"menu_order":0,"template":"wp-custom-template-mmm-sticky-nav","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","editor_notices":[],"footnotes":""},"tags":[319,129],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[160],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,98,48,99],"rbc_mmm_author":[],"class_list":["post-39635","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-cybersecurite","tag-services-bancaires-services-bancaires-numeriques","rbc_content_type-article","rbc_lob_group-cybersecurite","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-comprendre-la-cybersecurite","rbc_mmm_category-cybersecurite","rbc_mmm_category-cybersecurite-pour-les-entreprises"],"acf":{"contently_publication_id":"","custom_author":"Banque Royale du Canada","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":"Generate Table Of Contents"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"La Banque Royale du Canada bloque les agents d\u2019IA personnels tiers \u2014 y compris MuseMC de Meta \u2014 pour ce qui est de l\u2019acc\u00e8s \u00e0 vos comptes RBC. Voici ce qu\u2019il faut savoir.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/cybersecurite\/comprendre-la-cybersecurite\/comprendre-les-agents-dia-tiers-et-vos-services-bancaires\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"La Banque Royale du Canada bloque les agents d\u2019IA personnels tiers \u2014 y compris MuseMC de Meta \u2014 pour ce qui est de l\u2019acc\u00e8s \u00e0 vos comptes RBC. 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