November 27, 2019

Dipp Terms and Conditions

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

In these terms and conditions (Terms), we, us and our means RBC Ventures Inc., a direct wholly-owned subsidiary of RBC and you and your means the person who uses a Device to access the Services through the app (App). We provide and manage the App.  These Terms govern your access and use of the App and the Services.

Read and agree. You must read and agree to these Terms, which are a legally binding contract between you and us, before you can use the App 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 view these Terms from a link in the App and on the website www.getdipp.ca and print or save these Terms using the print / save function in your browser. We will email you with a link to these Terms at the email address you provide when signing up for the App.

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.

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

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

Some of the Services may be provided in whole or in part by Service Providers and Third Parties. The Services are currently available in English only, despite any language settings on your Device.

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.

The Services currently available through the App are set out below:

Please review the “Linked Card” section of these Terms for additional terms and conditions applicable to Linked Cards.

Dipp Cash is earned on the Canadian dollar equivalent of Qualified Transactions made in a currency other than Canadian dollars.

You can view your balance of earned Dipp Cash in the App. If there’s any error in your balance of Dipp Cash you must notify us within 60 days of any Qualifying Transaction and provide a receipt confirming the Qualifying Transaction. We will follow our internal operational procedures to track and account for all Dipp Cash earned. In the event of any dispute or discrepancy regarding your balance of earned Dipp Cash, Dipp in its discretion will make the final decision on Dipp Cash earned.

Earned Dipp Cash for a Qualifying Transaction will be reflected under “cashback balance” but will initially be marked as “pending” amounts in your Member Account.  It may take up to 7 business days from the date a Qualifying Transaction is made for the related earned Dipp Cash to be reflected in your Member Account.  As soon as we are notified that a Qualifying Transaction has been fully settled the related earned Dipp Cash will be removed from “pending” amounts and will only be marked under “cashback balance”. 

If, in accordance with the Participating Merchant’s return policy, you cancel or return the products or services associated with the Qualifying Transaction your earned Dipp Cash will be reduced as applicable.

In our discretion we may do any of the following: (i) set a maximum amount of Dipp Cash that may be earned in a particular period; (ii) set a holding period before earned Dipp Cash can be cashed out; (iii) review your accrual of Dipp Cash and determine if certain Qualifying Transactions are not eligible to earn Dipp Cash; (iii) reverse any Dipp Cash earned if following our review we suspect any fraudulent activity.

Receive your Dipp Cash via the Interac e-Transfer service to the email account associated with your Member Account. If you are unable or unwilling to accept payment via the Interac e-Transfer service then you will be unable to cash out your Dipp Cash and your Dipp Cash will continue to accumulate in your Member Account. If you are no longer able to access the email account associated with your Member Account please contact us through the “Contact Support” option within the App or contact: help@getdipp.ca.  We are not responsible for any error on your part nor are we responsible if for any technical or other reason you are unable to receive cashback via the Interac e-Transfer service.

3 Linked Card.  What happens if I choose to add a Linked Card?

The following applies if you choose to add a Linked Card:

To unregister or de-link a Linked Card, please use the “Manage Cards” functionality within the App or contact: help@getdipp.ca.

4. Costs, Fees and Related Charges. Do I have to pay any 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. 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.

5. Communication. How will we contact each other?

You can contact us at help@getdipp.ca.

We will contact you and provide notices through the App and using the contact information you provided in the App. It is your responsibility to accurately input your contact information and keep it up to date. You understand that if you do not provide accurate and up to date contact information, we may not be able to complete the signup process or otherwise contact you.

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.

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.

7. Changes. How will we tell you about any changes?

We can change (add, remove or alter) any part or feature of the Services, without giving you notice. Following any 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 changes, either before or after the changes take effect. If you use the App or access the Services after a change to these Terms, or after we have notified you of a change, you are deemed to have reviewed and accepted the new version of these Terms.

8. Instructions and Security. You are responsible for decisions you make when you are signed in and for the security of your information.  

You will be required to provide Sign-In Credentials to access 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 using your Sign-In Credentials. Any instruction will have the same legal effect as if it was a written instruction and signed by you.

You are responsible for keeping your Sign-In Credentials confidential, and you must not disclose them to anyone. We will not be responsible for any losses that may result if you share or lose your Sign-In Credentials. When using the App and 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.

Sign out after each session to prevent anyone else from accessing the App and the Services. If you do not sign out of the App, you will remain signed in to the App for 7 days or until you log out, if that is before 7 days;

9. Service Providers and Third Parties. Other entities help us provide the App and the 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 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.

Sign out after each session to prevent anyone else from accessing the App and the Services. If you do not sign out of the App, you will remain signed in to the App for 7 days or until you log out, if that is before 7 days;

9. Service Providers and Third Parties. Other entities help us provide the App and the 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 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.

10. Referral Fees. We may receive fees when we refer you to Third Parties.

A Third Party may pay us, or we may receive from a Third Party, directly or indirectly, a referral fee when we refer you to the Third Party and you elect to purchase or obtain products or services from the Third Party. The amount of any referral fee paid or received for referrals will not affect any fees you may be required to pay us or to the Third Party.  

11. Privacy. Information we collect and how we use it. 

You authorize us (and our Service Providers) to collect, use and disclose your information in order to provide you with the Services.

Collecting your personal information

We will collect information from and about you such as:

Information establishing your identity (for example, name, email address, etc.).

Information about your location.

Information you provide in connection with your use or receipt of the Services.

Information we obtain from Service Providers related to the Services, including information about Qualifying Transactions such as merchant name and location, purchase amount, date and time, and applicable Payment Card Network. For clarity, our Service Provider will not provide us with your 16 digit Linked Card account number.  Please refer to our Service Provider’s privacy policy for details about how your Linked Card account number is collected, handled and stored.

Information we obtain from service arrangements you make with or through us.

Technical information about how you interact with the App, including pages visited, time spent on the App, IP address and Device identifier information.

Using your personal information

This information may be used from time to time for the following purposes:

Disclosing your personal information 

The information we obtain from and about you may, where not prohibited by applicable laws, be disclosed as described below for the purposes described in the “Using your personal information” section:  

Other optional uses of your personal information

You may choose not to have your information shared or used for any of the “Other optional uses of your personal information” described above by contacting us as set out below, and in this event, you will not be refused credit or other services just for that reason.  We will respect your choices not to have your information shared or used and, as mentioned above, we may share your choices with RBC companies for the sole purpose of honouring your choices regarding “Other optional uses of your personal information”.   

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 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 optional uses of your personal information” you may do so now or at any time in the future by contacting us at help@getdipp.ca.

Our privacy policies

You may obtain more information about our privacy policies by visiting www.rbc.com/privacysecurity.

12. Compliance and Prohibitions. Appropriate use of the App.

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:

13. 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. We are the owner, or licensee, 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 our property, 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. Service Providers and Third Parties retain their respective ownership rights, including all intellectual property rights, in their trademarks and logos that appear on the App and in the Services. 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, Service Providers or Third Parties.

14. App. Rules for downloading the App.

15. Push Notifications. We may sometimes 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.

16. 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, our Service Providers, and Payment Card Networks, 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.

17. 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, RBC companies, our Service Providers, and Payment Card Networks, 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 following:

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

18. 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 App screens. By using any of the Services, Third Party 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.

19. 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.

20. 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.

21. 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.

22. Language. We will talk to each other in English.

You and we have expressly requested that these Terms and all related documents, including notices, be drawn up in the English language. Vous et nous avons expressément demandé que cette entente et tout document y afférent, y compris tout avis, soient rédigés en langue anglaise. (Quebec only / Québec seulement).

23. Governing Law. What law applies?

These Terms will be governed by the laws of the Province or Territory in Canada in which you live and the federal laws of Canada applicable therein. If you live outside of Canada, these Terms will be exclusively governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. You and we agree that the courts of the jurisdiction specified above shall have exclusive jurisdiction over each of us for the determination of any matter(s) arising out of these Terms.

24. Defined Terms. What does everything mean?

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

Dipp Cash means Canadian-currency cashback, earned on certain purchases of products and services from Participating Merchants.

Member Account means your dipp user account created when you sign up to the App and verify your account creation by email.

Offers means a promotional offer by us, another RBC company, or Third Party that permits you to receive cashback, discounts, enhanced services, benefits or other incentives or value.

Participating Merchant means a third party merchant that provides Offers in the App.

Payment Card Network means network participating in the App, currently Visa and Mastercard.

Qualifying Transaction means a personal purchase of a good or service using your Linked Card from a Participating Merchant that complies with all Offer terms.

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, passwords, personal verification questions or other information required to access the App and 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.  It includes our subsidiaries and affiliates, Participating Merchants, and parties who provide Third Party Services. It does not include any Payment Card Network.

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 (including Participating Merchants) for other products and services.

we, us and our means RBC Ventures Inc., a subsidiary of RBC.