Easy Split™ for Web Application Users Terms and Conditions

To understand how RBC Royal Bank collects, uses and shares your personal information, please see the Collection, Use, and Disclosure of Personal Information section.

• Reading, Agreeing and Keeping a Copy. These terms are legally binding.

  In these terms and conditions (Terms), we, us and our means Royal Bank of Canada (RBC) and you and your means the person who uses a Device to access the Services through a webpage or the app (together, the App). These Terms govern your access and use of the App and the Services.

  Read and check the box to agree. You must read and agree to these Terms, which are a legally binding contract between you and us, before you can use and access the Services.

  By checking the box on-screen, you confirm (i) that you are the age of majority in the place where you live and (ii) that you have read and agree to these Terms. These Terms take effect on the date that you check the box on-screen. You cannot use the App or access the Services unless you have read and agreed to these Terms.

  Keep a copy of the Terms. You can print or save these Terms using the print or save function in your browser. We will provide a link to these Terms by SMS to the mobile device phone number you provided when signing up for the Services.

  No changes to other agreements. Unless expressly provided otherwise herein, these Terms do not replace any other agreement you may have with us or any RBC companies (now or in the future), including any consent or preference regarding the collection, use and disclosure of your personal information. All of the terms of your other agreements with us or any other RBC companies continue to apply.

  Please see the definitions section at the end of these Terms for any other capitalized words not otherwise defined.

• Services. What is the Service and how does it work?

  Easy Split is a product that will allow you to have an enhanced social group experience, where you can connect with friends, create groups, split and settle expenses between you and your friends, family or individuals you have personal relationships with.

  Under these Terms, the Services means the features, functionality, content and information provided by us via the App¹ and include any services that may be provided by Service Providers and Third Parties.

  Given that you do not have the iOS version of the RBC Wallet app installed on your Device or that you are not a RBC client, you will only have limited access to Easy Split. The Services currently available include:

  • Registration for Easy Split;
  • Join predetermined groups to which you are invited to;
  • Create groups;
  • Add expenses in groups;
  • View expenses in groups;
  • View and comment in group feed;
  • Mark as paid (mark that someone paid them for the expenses, mark that they paid someone);
  • Manage profile (Edit Name and turn SMS notifications on/off); and
  • Receive SMS notifications (if you have turned it on).

  Some of the Services may be provided in whole or in part by Service Providers and Third Parties.

  The Services and the App may not be accessible at all times. In addition, functionality, features, content or information may change, and may not always be available.

• Costs, Fees and Related Charges. Do I have to pay service fees?

  There are no fees to access the App or the Services. In the future we may charge fees as the App or the Services develop. We will provide you with notice of any changes in fees, in accordance with the notice section of these Terms.

  You are responsible for all costs, fees, data plans and related charges associated with your use of any Devices, and they are not reimbursable by us.

• Communication. How will we contact each other?

  You can contact us at 1-800-769-2536. We will contact you and provide notices using information you provide through the App. Except as provided below in the “Notices and Changes” section of these Terms, SMS and email are our primary methods of communication. When we use SMS and email, we will send you electronic correspondence, including notifications, to the phone number and email address you provide to us through the App. It is your responsibility to keep your phone number or email address up to date. You understand that if you do not keep your phone number and email address up to date, we may not be able to complete the signup process or otherwise contact you.

• Termination. How can you or we end these Terms?

  Termination by us – Without prior notice and for any reason, we can (i) suspend or terminate your use of the App and access to the Services, and (ii) terminate part or all of these Terms or the Services. We are not responsible for any loss or inconvenience that may result in such suspension or termination.

  Termination by you – To delete your profile and terminate your use of the App and access to the Services and these Terms, you can contact us using the contact information provided in the “Communication” section of these Terms.

• Notice and Changes. How will we tell you about any changes?

  Notice – Any notice may be given to you through the App or pursuant to the “Communication” section of these Terms.

  Changes – We can change (add, remove or alter) any part or feature of the Services, without giving you notice. Following any such change, these Terms will continue to apply to all or parts of the Services. Subject to legal and regulatory requirements, we can also change these Terms by giving you notice of the change to the phone number (via SMS) or email address you provided when signing up for the Services, either before or after the changes take effect. When giving you such notice we will also provide you with a copy of or a link to the updated Terms. If you use the App or access the Services after we have notified you of a change, you are deemed to have reviewed and accepted the new version of these Terms.

• Instructions and Security. You are responsible for decisions you make when using your phone number or email address and for the security of your information.

  You will be required to provide your mobile device phone number and your email address to access some of the Services. You authorize us to accept and you agree to be responsible for any instruction given by you or purported to be given by you when using the App. Any instruction will have the same legal effect as if it was a written instruction and signed by you. When accessing the Services, you agree that you will take all steps necessary to ensure that you do not reveal any confidential information to anyone other than us. This includes making sure that other people cannot see your Device screen.

  You must also:

  • Use reasonable steps and precautions to protect your Device against loss or theft;
  • Use reasonable security measures which include up-to-date virus scanning software and a firewall system, if such security measures are available for your Device; and
  • Comply with any additional security requirements that we may require in connection with the Services.

• Service Providers and Third Parties. Other entities help us provide the Services or offer Third Party Services.

  We may use Service Providers and Third Parties to provide or to assist us in providing the Services or Third Party Services, and other than RBC companies, we do not sponsor or endorse any Third Party and we are not affiliated or associated with any Service Provider or Third Party.

  When using the App and accessing the Services,

  • You may use Service Provider Services solely for your own personal use;
  • You may not sell, distribute or otherwise use Service Provider Services or other information from the App or the Services, and you may not permit such distribution or use by anyone else; and
  • You may not provide or make available any Service Provider Services to any provider of products or services similar to those products and services provided by the Service Providers.

  You understand and agree that (i) your use of any Third Party Services is at your sole risk and may be subject to the terms and privacy policy of the Third Party and (ii) Third Party Services are provided “as-is” and “as available”, and that we expressly disclaim all warranties (express and implied) in connection with any Third Party Services and all information, products and other content included in or accessible from any Third Party Services, including, without limitation, any warranties regarding accuracy, completeness, merchantability or fitness for a particular purpose.

  Service Providers retain all ownership rights, including all intellectual property rights, in Service Provider Services and to their trademarks and logos that appear on the App and in the Services. Nothing in these Terms, the App or the Services should be interpreted as conferring any right for you: (i) to use Service Provider Services in any way other than as expressly permitted in these Terms; or (ii) to use any Service Provider trademarks or logos.

  You agree that we, Third Parties and Service Providers may use information and content you provide through the App and the Services to create use and distribute statistical, profiling, performance or operational reports about the App and the Services. These reports may be shared with Third Parties, in which case, the information in the reports will not be attributable to you.

• Compliance and Prohibitions. Appropriate use of the App or Services.

  Your use of the App and access to the Services must comply with these Terms and all applicable laws.

  When using the App and accessing the Services, you will not:

  • Provide untrue, inaccurate or incomplete information;
  • Use the App or access the Services for any illegal, fraudulent, malicious, harassing or defamatory activity or purpose;
  • Use any robot, spider or other indexing device when using the App or accessing the Services;
  • Use any part of the Services to provide internet, service bureau, outsourcing or third-party services or redistribute all or any part of the Services;
  • Take steps or actions that could or do undermine the security, integrity, effectiveness, goodwill or connectivity of the App or the Services (including illegal, fraudulent, malicious, defamatory or other activities that threaten to harm or cause harm to any other person); or
  • Reverse engineer or reverse compile the source code for the App or any of the service technology.

• Ownership. You can use it, but you can’t keep it.

  We grant you a non‑exclusive and non-transferable single-user (non-concurrent) license to use the App, in accordance with these Terms. At any time, and at our sole discretion, we may limit, restrict, suspend, declare a moratorium on, or terminate your ability to access the App, or any of the Services, or both; and with notice to you, we may end the terms relating to the App, including the Services. If these Terms are terminated, you will destroy all copies of the App and all copies of any documentation for the App then in your possession. The grant of this license may not be assigned by you unless agreed upon in writing by us.

  We retain at all times all ownership rights, including without limitation, copyright, in the App. You agree not to copy, reproduce, transfer copies or reverse engineer the App and not to disclose or distribute the App to Third Parties. We have no obligation to provide any training, maintenance, or other assistance for the App.

  RBC or RBC companies are the owners, or licensees, of all intellectual property rights subsisting on each screen made available through the App. Unless otherwise indicated, trademarks and logos, and all works, including texts, images, illustrations, software, HTML codes, audio clips and videos appearing on the Services are the property of RBC or RBC companies or those of our licensors, and without our express written permission, may not be reproduced, republished, downloaded, posted, transmitted, distributed or modified, in whole or in part, in any form whatsoever, except for personal and non-commercial use, including viewing, printing or archiving of electronic copies of your App activities, in accordance with these Terms and as we may further instruct you. Nothing in these Terms or on the App is to be interpreted as conferring a right to use our works, trademarks or logos in any other way, or those of any RBC companies or Service Providers.

• Push Notifications. We may sometimes need to send information to your Device about the Services, this is how we’ll do it.

  You authorize us to send push notifications to your Device in relation to the Services. In order to enable or to disable push notifications, you must adjust the settings on your Device. You understand that push notifications are unsecure and not encrypted and can be read by others if you allow them to view your Device. We provide push notifications for convenience and information purposes only.

• Voluntary Participation. Your decision to use the App is yours and yours alone.

  Your use of a Device to access certain of the Services through the App is voluntary. You may access the Services without using the App. If you choose to use your Device to access the Services by installing the App, you warrant that you are the legal owner of your Device.

• No Representations or Warranties. The App and the Services are provided “as is”.

  We are providing you with the App and the Services on an “as is” and “as available” basis and we do not make any representations or provide any warranties concerning them. Without limiting the foregoing, we expressly disclaim all warranties in connection with the App and in connection with the Services, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

• Liabilities and Indemnities. Read this carefully—it limits your right to sue us.

  You are solely responsible for all information or content that you give us through the App, the Services and the Third Party Services.

  We and RBC companies will not be responsible for any loss, damage, harm, injury, delay or inconvenience suffered or incurred by you with respect to: (i) these Terms, the App, the Services or the Third Party Services, (ii) any instruction given to, by or purported to be given by you, using Sign-In Credentials, in connection with the Services or Third Party Services, or (iii) any products or services you obtain or purchase from us or from a Third Party to whom we refer you, or otherwise. Such losses, damages, injuries, delays and inconveniences include, without limitation, (i) direct, incidental, indirect, consequential, special, aggravated, punitive or exemplary damages, (ii) loss of data, profits, information, opportunity, revenues and goodwill, and (iii) any other business interruption, commercial or economic losses. The foregoing limitation of liability applies regardless of the cause of action, even if we or a RBC company have been advised of the possibility of such damages.

  In addition, in no event, even if we are negligent or any RBC company is negligent, will we or any RBC company be liable for any loss or damage suffered by you that is caused by any one or more of:

  • The actions of, or any failure to act by a Third Party or Service Provider (and no such Third Party will be considered to be acting as our agent);
  • Mistakes, errors, omissions, inaccuracies or other inadequacies of, or contained in the Services or Third Party Services or any data given by you to us, RBC companies or any Third Party or Service Provider, including your failure to update;
  • Any delay, error, interruption or failure by us, any RBC company or any Third Party or Service Provider to perform or fulfill any of our obligations to you due to any cause beyond our control or their control, any system malfunctions or any technical failures;
  • Unsecured communication being inaccurate, intercepted, reviewed or altered by others, or not received by you;
  • Your access to the Services or Third Party Services, including, without limitation, any delay or inability to access the Services or Third Party Services;
  • Your failure to receive or view any communication that has been presented to you, and we will not be responsible, and no such RBC company will be responsible, for any delay, damage or inconvenience that such failure may cause; or
  • Your failure to fulfill any of your obligations under these Terms, including those in the “Security” section of these Terms, or to comply with any instructions we may provide to you from time to time in connection with the App and the Services.

  You release and indemnify us for any claim, cost and liability incurred: (i) as a result of your use of the App any of the Services and Third Party Services; or (ii) as a result of your breach of these Terms.

• On-Screen Terms. Terms shown on-screen form part of these Terms.

  There may be terms, conditions, instructions or disclaimers related to the Services, Third Party Services, or Offers displayed on the screens in the App, or when you click on icons or links on the screens. By using any of the Services or any Offers, you must access and agree that the terms, conditions, instructions or disclaimers apply to your use of or access to the applicable Services, Third Party Services, or Offers, in addition to the terms and conditions of any other applicable agreements.

• Records. Electronic records = paper records.

  Our records, including electronic records, including those of any Service Providers (whether used by them or us), regarding the App or the Services, including the retrieval, consolidation, organization and presentment of information, are final and conclusive. These records will be admissible in any legal, administrative or other proceedings. Furthermore, electronic data and records will be admissible as conclusive evidence of the contents of those records in the same manner as original paper documents. You waive any right to object to the introduction of any such electronic data or records into evidence.

• Electronic Agreement. Clicking = signing with a pen on paper.

  These Terms and any related terms, conditions, instructions, disclaimers or documents may be accepted in electronic form and your acceptance is binding between you and us. Neither you nor we will contest the validity or enforceability of these Terms and any related documents because they were accepted or signed in electronic form.

• Assignment and Severability. Contract law stuff.

  If any provision of these Terms is found to be invalid or unenforceable, this will not affect the validity or enforceability of the other provisions of these Terms. Our failure to enforce strict performance of any provisions of these Terms does not mean we have waived any provision or right. Neither the course of conduct between you and us, nor trade practice modifies any provision of these Terms. We may assign or transfer these Terms on notice to you. You may not assign or transfer these Terms or any of the obligations or rights under these Terms to any other person.

  We have the right at all times to assign any or all of our rights and obligations under these Terms to an RBC company. The Services may then be delivered by the RBC company to whom we assign these Terms.

• Governing Law. What law applies?

  These Terms are entered into and governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. You and we agree that the Ontario courts shall have exclusive jurisdiction over each of us for the determination of any matters arising out of these Terms.

• Defined Terms. What does everything mean?

  Device means any mobile device, computer or other device you use to access the App and the Services.

  Offers means any offers, rate discounts or promotions of a Third Party presented by us as part of the Services.

  RBC means Royal Bank of Canada.

  RBC companies or RBC company means RBC, its direct and indirect subsidiaries and their successors and assigns. While we are a RBC company, in these Terms, a reference to RBC companies or RBC company will not include us.

  Services means the Services as defined by the “Services” section of these Terms.

  Service Provider means a party retained by us to act on our behalf to provide, or to assist us in providing, the App and the Services.

  Service Provider Services means content and information contained in the Services provided by any Service Provider.

  Sign-In Credentials means usernames, mobile device phone number, passwords, personal verification questions or other information required to access the Services.

  Terms means these terms and conditions.

  Third Party means any party other than you, us or a party when acting as a Service Provider.

  Third Party Services means any products or services provided by a Third Party that can be used or accessed on or through the App or a Third Party that we refer you to for other products and services.

• Collection, Use, and Disclosure of Personal Information

  You authorize us to collect, use and disclose your information in order to provide you with the Services.

  Collecting your personal information

  We may from time to time collect information from and about you such as:

  • information establishing your identity (for example, name, device phone number, email address, password, profile information etc.) and your personal background;
  • information for the provision of the Services;
  • information related to transactions arising from your relationship with and through us or your Easy Split group(s) (including comments made in your Easy Split group(s), pictures and images to personalize your profile etc.); and
  • information about your financial behaviour such as adding or viewing expenses and payment history.

  We may collect and confirm this information during the course of our relationship with you. We may obtain this information from a variety of sources, including from you, from service arrangements you make with or through us and financial institutions, from registries, from references you provide to us and from other sources, as is necessary for the provision of the Services.

  Any conversation, comment, exchange or chat made in Easy Split group(s) will be viewed by all members of the group and will be retained by us for a period of (2) years.

  Using your personal information

  The information we obtain from and about you may be used from time to time for the following purposes:

  • to verify your identity and investigate your personal background;
  • to provide you with the Services described in the “Services” section of these Terms; and
  • as required or permitted by law.

  For these purposes, we may:

  • make this information available to our employees, agents, independent contractors and Third Party Service Providers, all of whom are required to maintain the confidentiality of this information in accordance with these Terms and applicable laws;
  • share this information with other financial institutions.

  We may use automated processing to make decisions about you, including credit and loan adjudication, where applicable.

  In the event a Third Party Service Provider is located outside of Canada, the Third Party Service Provider is bound by, and the information may be disclosed in accordance with, the laws of the jurisdiction in which the Third Party Service Provider is located.

  Your personal information may be transmitted through, stored, or processed in countries, states, or provinces other than your home jurisdiction, in which case the information is bound by the laws of those jurisdictions and may be disclosed in accordance with those laws. We will take measures to protect your personal information with appropriate contract clauses or other applicable safeguards.

  Upon your request, we may give this information to other persons.

  We may also use this information and share it with RBC companies (i) to manage our risks and operations and those of RBC companies, (ii) to comply with valid requests for information about you from regulators, government agencies, public bodies or other entities who have a right to issue such requests, and (iii) to let RBC companies know your choices under “Other uses of your personal information” for the sole purpose of honouring your choices.

  Your right to access your personal information

  You may obtain access to the personal information we hold about you at any time and review its content and accuracy, and have it amended as appropriate; however, access may be restricted as permitted or required by applicable laws. To request access to such information, to learn more about our use of automated processing, to ask questions about our privacy policies or to request that the information not be used for any or all of the purposes outlined in “Other uses of your personal information” you may do so now or at any time in the future by contacting us at 1-800-769-2536.

  Our Privacy Notices

  All collection, use and disclosure of your personal information will be in accordance with our Global Privacy Notice (available at Privacy and Security - RBC), which form part of these terms.

1 Including webpages.