Part C: Aggregation - Terms and Conditions

  1. Introduction. The terms and conditions of this Part C (i) apply only when you use the Aggregation Service; (ii) are in addition to the general terms and conditions set out in Part B of this Agreement; and (iii) replace all prior agreements between you and us for the Aggregation Service. If there is a conflict between this Part C and the general terms and conditions in Part B of this Agreement, this Part C will apply to the extent necessary to resolve the conflict.
  2. Changes to Available Accounts. We can add or remove Available Accounts at any time.
  3. Log-in Information for Non-RBC Account Providers. To access Aggregated Accounts of Non-RBC Account Providers, you must input your Log-in Information for each Aggregated Account and it will be stored in encrypted form and used to retrieve Aggregation Information to be presented to you. You must update your Log-in Information as soon as it changes in order for us to retrieve Aggregation Information.
  4. Log-in Information for RBC Account Providers. To access Aggregated Accounts of some RBC Account Providers, you must input your Log-in Information when you first sign up for Account Aggregation for that account. Your Log-in Information will be stored in encrypted form and used to retrieve Aggregation Information to be presented to you. You must update your Log-in Information as soon as it changes in order for us to retrieve Aggregation Information.
  5. Access to Aggregated Accounts.

    (a) You authorize and direct Royal Bank of Canada and any Third Party Service Provider of the Aggregation Service (for the purposes of this Part C, "we" or "us") to do, on your behalf, all things necessary to provide the Aggregation Service to you and to retrieve, consolidate, organize and present Aggregation Information to you, which may include visiting the website of an Account Provider and providing your Log-in Information or other information required to register, access, retrieve and download Aggregation Information. You confirm to us you have the right to give us this authorization and direction.

    (b) You authorize and direct an automatic login to your Aggregated Accounts on a daily basis using the Log-in Information supplied during Aggregated Account set-up to retrieve the balance and transaction details for display in the Aggregation Service. Your Aggregation Information will be retained for 7 years. You may terminate the collection of your Aggregation Information for an Aggregated Account by removing the Aggregated Account from display in the Aggregation Service at any time.

    (c) You understand and agree that (i) Aggregation Information is prepared by Account Providers; (ii) we are not responsible for the timeliness, completeness or accuracy of Aggregation Information, other than Aggregation Information from Aggregated Accounts held with us; (iii) Aggregation Information continues to be subject to any terms or conditions imposed by Account Providers; and (iv) you must access the website or online service of the Account Provider to view any information or content, other than Aggregation Information, including any notices, disclosures or disclaimers.

    (d) You acknowledge and agree that we are entitled to rely on the foregoing authorizations and agency granted by you.
  6. Account Providers. You acknowledge that when you use the Aggregation Service, Aggregation Information is accessed and retrieved on your behalf, and not on behalf of an Account Provider and that the Aggregation Service is not endorsed or sponsored by any Account Provider. You acknowledge that a Non-RBC Account Provider may not have consented to, and may not have knowledge of, the access to its accounts as Aggregated Accounts. It is your responsibility to review your agreements with Non-RBC Account Providers to determine whether disclosure to another party that offers electronic account aggregation services is allowed, what the consequences of such disclosure may be and your liability in connection with such disclosure.
  7. Message Centres. If you use the Aggregation Service for some RBC Account Providers, we may connect your online message centres. This means that we may provide you with access to the online message centres of such companies in Online Banking, and that such companies will provide you with access to your Online Banking Message Centre in their online services.
  8. Proprietary Rights. You are only permitted to use content delivered to you through the Aggregation Service in connection with it, and you may not copy, reproduce, distribute, or create derivative works from this content.
  9. Content You Provide. You are licensing to us and to the Third Party Service Provider of the Aggregation Service any information, data, passwords, materials or other content (collectively, "Content") you provide through or to the Aggregation Service. We may use, modify, display, distribute and create new material using such Content to provide the Aggregation Service to you. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit and without the payment of any fees, we may use the Content in accordance with this Schedule A. You also agree that all Content you provide to us or the Third Party Service Provider is correct and complete, and to notifying us promptly of any changes to that Content.
  10. Disclaimer of Warranties. You expressly understand and agree that your use of the Aggregation Service and all information, including Aggregation Information, products and other content (including that of third parties) included in or accessible from the Aggregation Service is at your sole risk, and is provided on an "as is" and "as available" basis. We expressly disclaim all warranties in connection with the Aggregation Service and all information, products and other content (including that of third parties) included in or accessible from the Aggregation Service, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. No advice or information, whether oral or written, obtained by you from us through or from the Aggregation Service will create any warranty not expressly stated in these terms. We do not provide tax, legal, or investment advice, or investment brokerage services through the Aggregation Service, and you may not rely on it for any such purpose. You are responsible for your choices in using any recommendations made in conjunction with the Aggregation Service or Aggregation Information.
  11. Limitation of Liability. You agree that neither we nor any of our affiliates will be liable for any indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, even if we have been advised of the possibility of such damages, resulting from: (i) the use or the inability to use the Aggregation Service; (ii) the cost of getting substitute goods and services, (iii) any products, data, information or services purchased or obtained or messages received or transactions entered into, through or from the Aggregation Service; (iv) unauthorized access to or alteration of your transmissions or data; (v) statements or conduct of anyone on the Aggregation Service; or (vi) any other matter relating to the Aggregation Service.
  12. Indemnification. You agree to protect and fully compensate us and our affiliates for any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable legal fees) caused by or arising from your use of the Aggregation Service, your violation of these terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of any other party.