Important Information



RBC ROAD ASSIST® SERVICE TERMS

Last Modified: October 15, 2020

The following terms and conditions describe the service benefits available to subscribers to RBC Road Assist® services (Silver, Gold and Platinum Coverage), provided by Dominion Automobile Association (DAA™). Account administration and support is provided by Sigma Loyalty Group Inc. (“Sigma”, “we”, “us” or “Our”).

All dollar amounts in these terms and conditions (including coverage limitations) are stated in Canadian dollars.

HOW TO ACCESS SERVICES

To access RBC Road Assist services, call 1-855-826-5908. RBC Road Assist emergency services are available 24 hours a day, 365 days a year.

FAMILY MEMBERSHIP

Your subscription to RBC Road Assist includes access to benefits by family members living at the same address as the primary member. Family members must be licensed drivers and either a spouse or child (aged 16-22) of the primary member. You must register the name of each eligible family member with RBC Road Assist services.

WHO IS COVERED

Each RBC Road Assist subscription from DAA is member specific. It covers the person(s) listed on the membership account (i.e., the primary member and any eligible listed family member(s)), when they are driving or riding in a covered vehicle. It does not cover anyone else driving the covered vehicle. The account information maintained by Sigma determines which individuals are covered under your membership. You may update account information by calling RBC Road Assist customer service at 1-855-826-5908.

COVERAGE AREA

This membership provides coverage while you are driving in Canada and the United States (including all 50 states, District of Columbia. and Puerto Rico).

COVERED VEHICLES

For the purpose of this membership, vehicle is defined as any passenger car, motorcycle, recreational vehicle, or pick-up truck with a gross vehicle weight of up to 10,000 lbs (4,536 kg) that the member is driving legally, and for personal use.

Excluded vehicles include: commercial vehicles of any kind including (but not limited to) taxis, limousines, buses, delivery vehicles, loaded or altered vehicles; recreational vehicles over 10,000 lbs (4,500 kg); trailers or vehicles in tow; off-road vehicles; ATVs; snowmobiles; farm tractors; farm or construction machinery; or any other vehicle not normally intended to be driven legally on public roads or highways.

Vehicles must be insured and bear valid licence plates to qualify for coverage. Service will not be provided to any unattended vehicle.

EMERGENCY ROADSIDE ASSISTANCE BENEFITS

The maximum number of emergency roadside events per year depends on your membership level:

  • Silver Coverage: maximum of 4 calls per Membership Year
  • Gold Coverage: maximum of 5 calls per Membership Year
  • Platinum Coverage: maximum of 6 calls per Membership Year

If your vehicle is disabled for any of the following reasons, DAA will dispatch a service vehicle to perform the service. Only 1 service call or tow will be authorized per 24 hour period. Only 1 service service will be authorized per disablement. If member requires additional service within the 24 hour period, DAA will advise member of any additional charges prior to delivering service.

A Membership Year is the 12 month period starting on your initial subscription date or its anniversary.

Battery Boost — The service provider will attempt to boost/jump start your battery and start your vehicle. If your battery is unable to be boosted, your vehicle will be towed to the nearest qualified repair facility.

Fuel Delivery — The service provider will deliver up to 10 litres of fuel of the type required by your vehicle so that you can proceed to the nearest station. The cost of the fuel is your responsibility. DAA will notify member of the cost and payment method for the fuel prior to dispatching service. In areas where the transportation of fuel is prohibited, your vehicle will be towed to the nearest gas station.

Flat Tire Service — The service provider will remove your flat tire and install your safe inflated spare tire. If you do not have a safe, operable spare tire, your vehicle will be towed to the nearest qualified repair facility.

Lockout Service — If you have locked your keys in your vehicle, or in the trunk of your vehicle and you have access to the trunk through the passenger compartment (i.e. automatic trunk release), DAA will dispatch a service provider to attempt to gain entry.

Roadside Assistance Towing — If your vehicle experiences a mechanical breakdown, not related to a motor vehicle accident or vandalism, and is unable to proceed under its own power, DAA will dispatch a service provider to tow your vehicle to the nearest qualified repair facility with a licensed mechanic capable of providing automobile repairs, within your applicable coverage area:

  • Silver Coverage: within 10 km of the breakdown
  • Gold Coverage: within 50 km of the breakdown
  • Platinum Coverage: within 250 km of the breakdown

Winching/Extrication — You are entitled to one truck with one operator at the scene to have your vehicle extricated from mud, snow, or a ditch. Silver coverage includes 30 minutes of winching time, and Gold/Platinum coverage includes 60 minutes of winching time. Should the member require winching time that exceeded coverage limit, DAA will advise member of any additional cost and method of payment at the time of service. Vehicle must be on or adjacent to a regularly traveled roadway. Cost of snow removal or shovelling will be at your expense.

Bicycle Towing — If your bicycle experiences a mechanical failure, DAA will dispatch a service provider to transport your bicycle to a destination of your choosing within your roadside assistance coverage limit. Bicycles must be accessible from a maintained road. Coverage is only available in Canada.

Mechanical First Aid — If there are mechanical issues with your vehicle, DAA will dispatch a service provider to make minor adjustments to your vehicle to make it safely operational. This may include cleaning of corroded battery terminals or tightening of belts. If needed, your vehicle may be towed to the nearest qualified repair facility within your coverage area:

  • Silver Coverage: within 10 km of the breakdown
  • Gold Coverage: within 50 km of the breakdown
  • Platinum Coverage: within 250 km of the breakdown

TRAFFIC ACCIDENT BENEFITS*

*Available under Gold and Platinum Coverage only.

Should your vehicle become disabled due to a traffic accident, DAA will reimburse your out-of-pocket expenses, incurred within seventy-two (72) hours of the incident, for the following categories up to the plan’s limit:

Accident Towing — Towing from the scene of an accident to a repair facility or damage reporting centre

  • Gold Coverage: to a limit of $250 per occurrence
  • Platinum Coverage: to a limit of $500 per occurrence

Traffic Accident — Emergency Transportation/Car Rental — Costs associated with the purchase of a ticket or hiring of commercial transportation or the rental of a vehicle from a rental agency up to $250 per occurrence.

Traffic Accident — Return to Location of Repair Site — Hiring of a taxi or other commercial transport to return the member and any passengers to a facility conducting repairs to the vehicle up to $250 per occurrence.

Traffic Accident — Emergency Accommodations and Meals — The cost of a hotel room and meals while the vehicle is undergoing repairs up to $250 per occurrence. Available for Platinum Coverage only.

Traffic Accident — Personal Necessities Reimbursement — Any personal necessities that are required while the vehicle is undergoing repairs up to $50 per occurrence. Available for Platinum Coverage only.

To claim reimbursement benefits you must submit a claim to DAA within 30 days of the incident. The claim must be accompanied by applicable original receipts as well as a copy of the police accident report. For more information on submitting a claim please call 1-855-826-5908. The Traffic Accident Benefit maximum claim per event is $1,000.00 with annual maximum claim limit of $2,000.00.

TRIP PLANNING ASSISTANCE

DAA’s trip-routing services provide detailed driving directions, and information on accommodations, local attractions and points of interest within Canada and the United States. Provincial and State Maps are available along with maps of major cities in Canada and the US. These services are for your personal use and may be limited due to availability. Trip routings and maps are sent via Canada Post - please allow 5-10 business days for delivery. Routings may also be sent electronically by email. You may be eligible for discounts at Hertz and Enterprise car rental agencies as negotiated from time to time by DAA. Members receive discounts at Choice Hotel properties worldwide. Participating companies are subject to change. Rates are subject to availability, black-out dates may apply, and discounts may not be combined with other special offers. For more information on Hotel and Car Rental discounts, please call 1-855-826-5908.

MOTORIST LEGAL SERVICES*

*Available under Gold and Platinum Coverage only

DAA will provide access to an experienced team of qualified civil code and common law attorneys to provide you answers to your auto related questions.

Lawyers will confidentially respond to a wide range of issues, including auto contracts, driver’s license protection, total loss evaluation dispute/insurer dispute, statutory accident benefits and other statutory matters and more. This excludes all criminal related questions. The service is limited to Canadian laws. Legal services are provided by FBA Consulting Group Inc. To access motorist legal services, contact 1 855-826-5908 - available Monday to Friday from 9 AM to 8 PM EST.

SERVICES NOT COVERED

Unless otherwise specified in this document, coverage and benefits do not include:

  • Any service required due to an act of vandalism.
  • The cost of parts, repairs, labour, additional servicing equipment, storage or impound charges, highway or bridge tolls and fees.
  • Service for any vehicle deemed unsafe and/or not road worthy.
  • When alcohol and/or drugs are a contributing factor in the need for service.
  • Service to any vehicle willfully driven into an area not regularly travelled, including but not limited to vacant lots, unassumed roads, open fields, construction sites, frozen lakes, mud or snow filled driveways, impassable private or recreational roads, beaches or any other area that is inaccessible or hazardous to the service provider’s vehicle. Cross country, logging, autocross and any other form of off-road travel is not covered.
  • Shoveling or the removal of snow to free a vehicle.
  • Service to a vehicle used for commercial purposes.
  • Service to any un-plated and/or uninsured vehicle or vehicle with dealer plates.
  • Repeated service calls for a vehicle which in the opinion of DAA or a service provider requires maintenance or repairs.
  • Service to any vehicle not covered by the definition of vehicle as stated in the Covered Vehicle section.
  • Costs which are covered by your regular automobile insurance.
  • Non-members driving your vehicle.
  • Service to Unattended Vehicles.
  • Except where otherwise specified, transporting you to your disabled vehicle or to your home after service has been rendered.
  • Towing your vehicle from one repair facility to another.
  • Towing a vehicle to or from an auto wreckers/scrap yard.
  • Towing a vehicle to or from an impound lot or storage facility.
  • Repeated tow or service for the same mechanical problem.
  • The services contracted for shall not cover or include emergency claims caused directly or indirectly, wholly or partly, by war, riot, floods, invasion, insurrection, civil commotion or while the vehicle you are driving is being used in military or police service.

SERVICE LIMITATIONS

Benefits as described will not be provided in any of the following circumstances:

  • if there is any indication, at the time of traffic accident or incident, of your consumption of alcoholic beverages or narcotics or where you are not in possession of a valid license to operate a vehicle, or when your license is under suspension;
  • while a vehicle is not covered by public Liability and Property Damage automobile insurance;
  • in the event that charges are attributed to a traffic accident or incident that occurred while you were committing, or attempting to commit a criminal offence, which is specifically NOT covered under this membership; or
  • when your claim arises out of an incident which occurs while your membership with RBC Road Assist is not in force or you did not incur any expense.

DAA reserves the right to decline any claim presented for payment later than thirty (30) days from the date service was performed or any claim not in conformity with the conditions of this membership as stated.

DAA reserves the right to decline payment for services and/or terminate membership when, in DAA’s opinion, there is deemed to be misuse of RBC Road Assist services.

The preceding terms and conditions describe the RBC Road Assist program, which is provided by DOMINION AUTOMOBILE ASSOCIATION (2004) LIMITED, a corporation incorporated under the laws of Canada with its head office in London, Ontario, (“DAA”). These terms and conditions are incorporated by reference into and form the “Service Terms” referenced in your RBC Road Assist User Agreement. As part of your User Agreement, DAA has agreed to provide the benefits listed in these terms and conditions and is solely responsible for delivery of RBC Road Assist services. You will not have recourse to Sigma or Royal Bank of Canada for any matter arising as part of those benefits or services provided by DAA. DAA requires Sigma to provide any information (including your account information and personal information) reasonably required for the sole purpose of confirming that you are covered by the RBC Road Assist program. Sigma will handle personal information you provide in accordance with its privacy policy, which may be accessed at Privacy Policy.

DAA engages qualified independent service providers to perform the roadside assistance services listed in this document. DAA does not assume any liability or responsibility for any loss or damage to any vehicle or personal property resulting from the rendering of a service under the RBC Road Assist program. You are responsible for promptly reporting any loss or damage to your insurance company. You are solely responsible for the cost of all parts and labour required to repair your vehicle.

RBC ROAD ASSIST® PRIVACY POLICY

Last Modified: October 15, 2020

RBC Road Assist® services are restricted to users who sign-up as subscribers (referred to as “you”). Subscriptions to RBC Road Assist services are made available by Sigma Loyalty Group Inc. (“Sigma”, “we”, “us” or “Our”). “Personal Information” or “Information” is any information that can identify an individual or information about an identifiable individual, such as a member's home address, telephone number, or a member's transaction activity in the RBC Road Assist program.

This privacy policy is designed to help you understand how we collect, use, and retain Personal Information in the course of administering RBC Road Assist services, and to whom this information may be disclosed. RBC Road Assist services include emergency roadside services provided by Dominion Automobile Association (2004) Limited (“DAA”). This privacy policy applies to all elements of the RBC Road Assist services operated by Sigma, which includes sales and account administration, but does not extend to the data management practices of DAA, independent service providers engaged by DAA, or third-party websites linked to from RBC Road Assist services website or the DAA mobile app.

This privacy policy forms part of the Terms and Conditions governing your use of RBC Road Assist services, available at www.rbcroadassist.com

Consent

By registering as a member of RBC Road Assist services, you consent to the collection, use, retention, and disclosure of your Personal Information as described in this privacy policy.

You may withdraw your consent to the use of your Personal Information by contacting the Privacy Officer as provided below. However, if you withdraw your consent you will not be able to continue to participate as a subscriber of RBC Road Assist services.

Collection of Personal Information

For Sigma to deliver RBC Road Assist services, you will be required to provide some or all of the following Personal Information when you register as a RBC Road Assist subscriber:

  • First, middle (optional), and last name (primary member and covered family member(s));
  • street name and number (and/or apartment #);
  • city;
  • province;
  • postal code;
  • language preference;
  • email address;
  • telephone number (home, business or cell);
  • credit card type, number and expiry date;
  • a username and a password, to authenticate you on RBC Road Assist website;
  • selection of two security questions, to enable us to authenticate you when you call us for assistance; and
  • an answer to each security question.

In addition, as part of the services you utilize, you may be required to provide the foregoing Personal Information or other Personal Information to DAA and/or its independent service operators. Any additional Personal Information which you provide to DAA or its independent service providers is subject to DAA’s privacy policy, available at daa.ca/privacy.

Website Collection of Information

Sigma collects information provided by you. If you register as a RBC Road Assist subscriber, you provide Personal Information in connection with your registration and in the course of receiving RBC Road Assist services.

When you visit the RBC Road Assist website, information is collected by us as you interact with the website. We collect certain information from your browser using "cookies". Cookies are small files that are stored on your computer that help us to optimize your experience on the RBC Road Assist website. We may use cookies to monitor and improve the website experience. These cookies do not contain Personal Information. They gather statistical data such as the average time spent on a specific webpage. This kind of information provides us with insight on how to improve the design, content and navigation of the website. Your choice not to accept these cookies will not interfere with your use of the RBC Road Assist services.

We may also use cookies as part of the functionality and security of the services. These cookies may include a persistent cookie installed on your computer or device that contains information to help us verify you as the subscriber and to help block unauthorized attempts to access your information through the website. Your choice not to accept these cookies may interfere with your ability to personalize and be recognized by the website, and/or may prevent the operation of the services or certain features within the services from operating.

Mobile App Collection of Information

An RBC Road Assist mobile app may be downloaded and accessed as part of your subscription to the services. This mobile app is provided by DAA and is not provided by Sigma or Royal Bank of Canada (“Royal Bank”). You are not required to provide any Personal Information to DAA in order to utilize the app. If you use DAA’s app, you will be asked to accept a list of permissions which will give you access to a range of services. The following table lists the permissions, their descriptions and why access is required.

Your location – Approximate location (network-based), precise location (GPS and network-based) Used for communication with DAA dispatch of roadside assistance services

Phone calls – Directly call phone numbers, read phone status and identity Used to enable click-to-call for contacting roadside assistance services.

The foregoing and any additional Personal Information which you do provide to DAA or its independent service providers is subject to DAA’s privacy policy, available at daa.ca.

Use of Your Personal Information

When you register for RBC Road Assist services, you create your own profile. Your profile information will be presented back to and edited by you when you access the RBC Road Assist website.

We will also use your Personal Information:

  • to provide membership administration services and customer support;
  • for administrative purposes, including provision of information to DAA or RBC™ regarding subscriber services obtained;
  • to resolve disputes, collect payments, and troubleshoot problems;
  • on an aggregate, non-identified basis for the purposes of planning a service or product;
  • to process transactions (including payment transactions) and send notices about your transactions; and
  • to provide a record of correspondence with you, whether by telephone, mail, fax, email or text message, to ensure instructions are properly followed and to ensure customer service levels are maintained.

We may also monitor or record any telephone calls we have with you and the recording of any such calls may be retained. Monitoring and recording of calls is done to establish a record of the information you provide; to ensure that procedures are properly followed; and to ensure customer service levels are maintained. We will inform you of the possibility that your call is being monitored or recorded prior to proceeding with the call. If you prefer not to have your call recorded you can contact us at the mailing address below.

We may also use your Personal Information to understand your needs and interests so that we may notify you of new service offerings or send you advertisements that respond to your needs or interests. If you prefer not to receive these communications you can update your communication preferences by contacting the Privacy Officer as provided below.

Disclosure of Personal Information

Sigma may disclose your Personal Information to our service providers including DAA, and/or other third parties including Royal Bank for purposes as described in this privacy policy.

Sigma does not sell, rent or trade Personal Information to any third party for financial gain or marketing purposes.

Sigma may transfer certain Personal Information to business service providers, but only to fulfill the purposes as described in this Privacy Policy. When we do, we select a company carefully and, by contractual means, ensure that it uses privacy and security standards comparable to those of Sigma.

In the event our business service providers are located in a foreign jurisdiction, they are bound by the laws of the jurisdiction in which they are located and may disclose your Personal Information in accordance with those laws.

Sigma may disclose your Personal Information in connection with a corporate reorganization, merger or amalgamation, provided that the use by the recipient of the Personal Information disclosed is limited to a use permitted by this privacy policy.

Sigma will not disclose your Personal Information to any other persons without your prior consent, unless as permitted or required by law, for example:

  • to a government institution, law enforcement or other authority that has lawful authority to obtain the information;
  • to comply with a subpoena or warrant or an order made by a court, person or entity with jurisdiction to compel the production of information;
  • in urgent circumstances to protect the life, health or security of any person; or
  • to comply with court rules regarding the production of records and information;

Safeguards

Sigma will protect information from accidental disclosure, unauthorized publication, damage, or other breach of privacy. We have comprehensive physical and logical security policies and procedures, based on industry best practices, to address practices for the secure access, storage, transmission, and disposal/destruction of information. Sigma will maintain appropriate security upon the disposal and destruction of records containing Personal Information.

In addition, we train our employees about the importance of confidentiality and maintaining the privacy and security of Personal Information. We commit to taking appropriate disciplinary measures to enforce our employees’ privacy responsibilities.

Information Security

When you provide Personal Information online using the RBC Road Assist website, that information is encrypted using the 128 bit SSL security protocol (Secure Sockets Layer) which encrypts the information channel from your computer to our server over the Internet. We also use SSL to allow you to securely view your on-line account and registration information.

Other than limited access by us in order to provide the services requested and perform account administration functions as described in this privacy policy, the Personal Information you provide in your profile is accessible only by you using a password created by you. To protect the integrity of your profile, you must keep your password confidential. You are responsible for all uses of the RBC Road Assist website by anyone using your password.

Openness

Sigma shall make available information about our general policies and practices relating to the processing of Personal Information. We will not make available information respecting its processing or management of Personal Information for a specific customer except to that customer or as directed by that customer.

Accuracy of Personal Information and Access

Sigma shall keep Personal Information that it collects as accurate, complete and up to date as reasonably required for the purposes for which it is to be used.

Our customers are responsible for the accuracy and completeness of the Personal Information they have provided to us to perform the services requested.

You may update, review or correct your Personal Information at any time on-line by accessing your password protected registration page or by contacting our Privacy Officer as specified under “Questions or Concerns About Your Privacy” below.

Limiting Retention

Sigma will keep Personal Information that remains relevant for the purposes described in this privacy policy or as required by law. We may keep information about you in our records as long as it is needed for the purposes described in this privacy policy, including statutory or regulatory retention requirements, even if you cease to be a subscriber.

If directed by RBC, Sigma will transfer your account information and Personal Information to Royal Bank or to Royal Bank’s new service provider, in accordance with the terms of any agreement between Sigma and Royal Bank. After the transfer, Sigma will retain your Personal Information only for the period of time necessary for purposes described in this privacy policy. In the event that your Personal Information is transferred to Royal Bank as described above, you are advised to consult with Royal Bank or its new service provider directly with respect to its treatment of your Personal Information and account information. Once it is deleted, you will not be able to access it any longer through RBC Road Assist services and it may not be retrievable by Sigma.

Sigma regularly reviews all of its policies and procedures and as a result may change the RBC Road Assist privacy policy from time to time without notice. The most recent modification date of this privacy policy will appear at the top of this page. If we materially change our practices in processing Personal Information, we will post an updated policy in place of this privacy policy, to keep you informed of what information we collect, how we use it and with whom we share it. Your continued access and use of RBC Road Assist services after the effective date of any changes to this privacy policy constitutes your acceptance of all such changes.

Links to Third Party Websites

RBC Road Assist services may contain links to other websites that operate independently of Sigma and that are not under our control. We provide links to other websites solely for your convenience and information. Other websites may have their own privacy notices, which we suggest you review if you visit any linked websites. Sigma is not responsible for information that is collected through those websites or for any other use or disclosure of information by the operators of those websites.

Questions or Concerns About Your Privacy?

We welcome you to contact us at any time should you have any questions, comments or concerns regarding this privacy policy or about our collection, use and disclosure of your Personal Information. Please contact our Privacy Officer at:

Privacy Officer
Sigma Loyalty Group
P.O. Box 1700 STN D
Toronto, Ontario M9A 5C7

Email: privacy.canada@sigmaloyaltygroup.com

RBC ROAD ASSIST® USER AGREEMENT

Last Modified: October 15, 2020

This user agreement (this “Agreement”) governs your use of RBC Road Assist services (“Services”), including all products, services, reports, alerts, apps and software that are provided with the Services. Please review this Agreement carefully. The current version of this Agreement may be accessed at Terms and Conditions .

The Services consist of a subscription to emergency roadside assistance services from Dominion Automobile Association (2004) Limited (the “Service Provider”). The Services are described in greater detail in the Terms and Conditions provided to you at the time of sign up and in your welcome email, and which are also available at Terms and Conditions (“Service Terms”). The Service Terms are incorporated herein by reference. Subscriptions to the Services are made available by Sigma Loyalty Group Inc. (“Sigma”, “we”, “us” or “Our”) as an optional value added service for Royal Bank of Canada (“Royal Bank”) credit card holders. This Agreement extends to the benefit of each of Royal Bank, Sigma, the Service Provider and their respective affiliates and contractors.

Service Description. The Service Provider has agreed to provide the benefits listed in the Service Terms, and is solely responsible for delivery of Services. You and anyone to whom you grant access to the Services waive all recourse to Royal Bank, Sigma and their respective affiliates and contractors in respect of the Services. Full Service benefits and additional restrictions are set out in the Service Terms.

Account Administration and Fees. Account administration and support in relation to the Services are provided by Sigma. The records maintained by Sigma determine the commencement and termination dates of your coverage and will be evidence of your eligibility to claim benefits from the Service Provider. Your membership is not transferable. Your membership term and fees are set out in the Service Terms. You hereby authorize Sigma to charge you on a regular basis according to the billing period for your Services plan (monthly, annual and other periodic renewal), via the credit card or other payment method by which you have paid for the Services. Sigma may suspend or terminate your Services for non-payment. Service fees do not include any Internet access or mobile network carrier fees. You are responsible for HST and any other applicable taxes. In the event of any billing error where you have been undercharged, you authorize Sigma to charge you any applicable amount outstanding without additional notice. In the event of a billing error where you have been overcharged, Sigma will apply any applicable refund to the payment device on record. You are responsible for keeping your account information with Sigma up to date. If your account information is not up to date, Sigma may not be able to process any applicable refund.

Changes. Sigma may from time to time change all or any part of this Agreement, the fees for the Services or the nature, content or features of the Services. Sigma will provide at least 30 days advance written notice (by email or other means) of any change before it comes into force, setting out the new terms, the date of the coming into force of the change and your cancellation rights. You may cancel your Services before the effective date of the change (or within such longer period as may be required by law) without cost, penalty or cancellation indemnity. Unless you cancel the Service within that period, you will be deemed to have accepted the new Services and/or fees, whether or not you have accessed or used the Services during the intervening period.

Cancellation. Sigma may cancel your Services for any reason. You may cancel your Services by contacting Sigma at 1-855-826-5908, during regular business hours. If applicable, you will receive a pro-rated refund as of the end of the calendar month of your cancellation. If the member has used the Services exceeding the value of the annual cost of the membership, no refund will be issued.

Privacy. In order to receive the Services you may be required to provide certain personal information to Sigma, the Service Provider and their respective contractors. Sigma will handle personal information you provide in accordance with its privacy policy, which may be accessed at Privacy Policy .

Technology. Any mobile application, software or other technology that you download or install is licensed, not sold, to you. You may not use any technology except as described in this Agreement and any other terms accompanying such technology. You may only install and use technology on a compatible device that you own or control. Any part of the technology may be changed, suspended or canceled without notice for any reason. Sigma is not responsible for any damage or alteration to any device as a result of the installation or use of Services. Upon cancellation of your Services, you must remove all copies of the technology from your devices.

Right to Use. Only Canadian residents may purchase Services. The Services may only be accessed for personal, non-commercial use by you and other authorized users. Vehicles eligible for Services are described in the Service Terms. For greater clarity, any request for Services relating to a commercial vehicle is a violation of these terms. A vehicle used for commercial use includes without limitation any vehicles displaying a dealer plate, any vehicles for hire such as taxis, limousines or buses, and any vehicles used in providing ride sharing, delivery, or mobile advertising.

Passwords. You must keep any passwords confidential and immediately advise Sigma of any unauthorized use of your password. You are responsible for actions taken by any person that accesses or uses your Services or account, even without your permission or knowledge. You take full responsibility and accept all risk for the use of your Services by any other person, and agree to indemnify Sigma and Service Provider for any claims or losses associated with the use by any other person.

Third Party Materials and Services. In connection with the Services or any related application through which the Services are accessed, you may be directed or provided access to third party services, products, materials or web sites, including promotional or incentive offers (collectively, "Third Party Services"). This Agreement extends to the benefit of the providers of Third Party Services. You may be required to accept additional terms of service before using any Third Party Services. Your use of Third Party Services is at your own risk. Sigma takes no responsibility for performance of Third Party Services.

NO WARRANTIES. The Services are provided on an “as is” and “as available” basis without warranty of any kind, and your use is entirely at your own risk. To the maximum extent permitted by law, Sigma and Service Provider disclaim all warranties with regard to the Services including any implied warranties of merchantability, satisfactory quality, fitness for a particular use or purpose, accuracy, quiet enjoyment, and non-infringement of third party rights. No oral or written information or advice given by representatives of Sigma or any institution with which we have a join marketing arrangement (including your financial institution or card provider) constitutes a warranty. For product benefits you must consult the Services website and the materials sent to you by Sigma. Sigma provides elements of account administration and support over the Internet and mobile networks, or by mail, and as a result the quality and availability of such support may be affected by factors outside Sigma’s control and are not guaranteed.

LIMITATION OF LIABILITY, RELEASE. To the maximum extent permitted by law, in no event will Sigma or any of its affiliates, licensors, suppliers, third party service providers or agents (or their respective employees, officers, directors or representatives) and Royal Bank (each, a “Sigma Party”) be liable for any personal injury, damage to property or indirect losses of any kind in connection with the Services, whether or not any Sigma Party is made aware of the possibility of such losses and whether the losses are based on breach of contract, tort (including negligence), product liability or otherwise. The foregoing exclusions include without limitation losses relating to personal injury, damage to any automobile, motorcycle, bicycle or other vehicle or personal property sustained in connection with the Services, insurance losses, unauthorized use of your credit cards, unauthorized use of your personal information by third parties, or to any errors, omissions, or other inaccuracies in Services or the content, materials or information provided or available through the Services. No Sigma Party will be liable for any damages caused by delayed or non-delivery of Services, or your reliance on any Services. The maximum total aggregate liability of all Sigma Parties to you for all damages (other than as may be required by applicable law) relating to your use of Services, is limited to the greater of ten dollars ($10.00) and the amount paid by you for the Services during the two months prior to the date your claim arises. You are personally responsible for any damages, losses or expenses you suffer or incur above those amounts. If you have a dispute with the Service Provider or any of its affiliates or contractors, you release all Sigma Parties from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes.

Indemnification. You are responsible for any losses incurred by any Sigma Party in connection with: (a) your breach of this Agreement or any applicable policy, instruction or guideline issued by Sigma, the Service Provider or any contractor; (b) your use of or inability to use the Services; (c) any content generated or provided by you in the course of accessing or using the Services; or (d) your violation or misuse of any intellectual property of a third party. You agree to indemnify Sigma Parties against any such losses.

Assignment. Subject to applicable laws, Sigma may transfer or assign this Agreement at any time, including to Royal Bank, or to a new service provider designated by Royal Bank. The Service Provider may be replaced at any time by Sigma without notice. In the event of a transfer or replacement of Service Provider, Sigma makes no representations as to the content or quality of any replacement services.

General. This Agreement, together with Sigma’s privacy policy and the fees and subscription periods set out in the Service Terms, constitute the entire agreement between you and Sigma relating to the Services. This Agreement will govern to the extent of any conflict or inconsistency with any Service website or application, any materials provided to you by Sigma or with any statements made by representatives of Sigma, Royal Bank or the Service Provider. Any part of this Agreement which may expressly or by implication extend beyond cancellation of your Services will continue indefinitely following cancellation. If any provision of this Agreement other than sections titled “No Warranties” and “Limitation of Liability, Release” is void or declared void, the remaining provisions will remain in full force and effect. If any part of the Sections titled “No Warranties” and “Limitation of Liability, Release” is void or declared void then your Services will immediately and automatically be cancelled without further notice. This Agreement and all related documents and materials are intended to be governed by and interpreted in accordance with the laws of the Province of Ontario. You submit to the exclusive jurisdiction of the courts of the Province of Ontario with respect to any matter arising from the Services or this Agreement. You confirm your express wish that this Agreement and all documents related thereto be drawn up in the English language. Vous confirmez votre souhait expresse de voir la présente convention et tous les documents s’y rattachant être rédigés en anglais.

If you have any questions regarding the Services or this Agreement please contact Sigma at 1-855-826-5908. Contact Centre hours are 9:00am-9:00pm EST, Monday to Fridays and 10:00am-6:00pm EST on Saturdays.

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