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 choose one of the following options regarding the use of your Log-in Information:

    (a) You can input your Log-in Information each and every time you want us to retrieve Aggregation Information to be presented to you. Each time you provide Log-in Information to us in this manner, you direct and authorize us to access an Aggregated Account to retrieve, consolidate, organize and present Aggregation Information to you, on your behalf, via the Aggregation Service; or

    (b) You can input your Log-in Information once for each Aggregated Account and it will be stored in encrypted form and used by us to comply with your instructions to retrieve Aggregation Information to be presented to you. If your Log-in Information is stored in this form, you must update your Log-in Information as soon as it changes in order for us to retrieve the Aggregation Information. If you do not update your Log-In Information, we will not be able to retrieve the Aggregation Information. If you provide Log-in Information to us in this manner, you direct and authorize us to access an Aggregated Account to retrieve, consolidate, organize and present Aggregation Information to you, on your behalf, via the Aggregation Service.

    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.

  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 by us to comply with your instructions to retrieve Aggregation Information to be presented to you. If your Log-in Information is stored in this form, you must update your Log-in Information as soon as it changes in order for us to retrieve the Aggregation Information. If you provide Log-in Information to us in this manner, you direct and authorize us to access an Aggregated Account to retrieve, consolidate, organize and present Aggregation Information to you, on your behalf, via the Aggregation Service.
  5. Access to Aggregated Accounts.

    (a)You authorize and direct 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 access, retrieve and download Aggregation Information. You confirm to us you have the right to give us this authorization and direction.

    (b)You understand and agree that (i) the Aggregation Information is prepared by Account Providers; (ii) we are not responsible for the timeliness, completeness or accuracy of the Aggregation Information, other than Aggregation Information from Aggregated Accounts held with us; (iii) the 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.

  6. Updating Aggregated Accounts. You must take the necessary steps to initiate an update of the Aggregation Information held by a Non-RBC Account Provider. We do not automatically update Aggregated Accounts of Non-RBC Account Providers.
  7. Account Providers. When you use the Aggregation Service, we are acting on your behalf, and not on behalf of an 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.
  8. 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.