Scotiabank Internet Banking Terms of Access Agreement

Please read carefully the following Internet Banking Terms of Access. 

What this Terms of Access Agreement Covers:

This Agreement between you and Scotiabank Guyana ("Scotiabank", "the Bank”) governs the use of Scotiabank Internet Banking, an electronic service that permits Scotiabank customers to access account information and financial services through the use of personal computers or similar access devices. In this Agreement, the words "you" and "your" refer to the account holder(s) and its authorised signatories. This Agreement and your use of Scotiabank Internet Banking are subject to the Bank's Personal Financial Services Agreement (PFSA), as amended from time to time. Kindly click on the link provided to review the terms of the Personal Financial Services Agreement (PFSA) in force at the present time.

Account Access:

Account(s) to be accessed through Scotiabank Internet Banking will include all accounts listed on your Scotiabank Customer Profile. In order to link different accounts, you must be a signatory of these accounts.

Lost/ Stolen Card or Password:

You agree to keep your password safe and, in the event that you are a business customer given the facility to nominate persons authorised to access your accounts, you will ensure that all such authorised users keep their passwords safe and that you and all authorised users will not share the same with anyone. You agree that you will notify us immediately if your ScotiaCard is lost or stolen or if you suspect that your password or the password or an authorised user has been compromised or that your account(s) has been or may be accessed by an unauthorised party(ies), in which event you acknowledge that you are obliged to phone Customer Service immediately.

Security Procedures:

You acknowledge by clicking "I Agree" to this Terms of Access Agreement that you have read the Safe Computing Practices for protecting access to your accounts and information on your personal computer, and agree that those procedures are commercially reasonable. 

What Scotiabank Internet Banking Will Cost:

Scotiabank Internet Banking access is available to you at fees determined from time to time by the Bank, which you agree to pay by your access of the service. We will notify you of any changes in the Internet Banking Pricing and such notification may be made through the website. You hereby agree and acknowledge that the fees for use of the Scotiabank Internet Banking service will be debited from your account on a monthly basis. For further information or clarification of the Internet Banking Pricing Schedule, please call a Scotiabank Internet Banking specialist at 223-4357 or enquire at your local branch.

Changes in Services / Terms:

The Bank may change the Scotiabank Internet Banking services and the terms set forth in this Agreement at any time. You will be notified of any such change as required by applicable law. You understand that by using Scotiabank Internet Banking after a change to the Terms of Access becomes effective, you will be presented with the revised Terms of Access Agreement at the time of login and will be required to click ”I Agree“ to acknowledge that you accept these revised Terms of Access. If you do not agree to the revised Terms of Access, you will click ”I Disagree“ and you will not be able to login to Scotiabank Internet Banking.

Suspension / Cancellation of Scotiabank Internet Banking:

You may cancel this Agreement at any time by written notification to the Bank via the secure messaging feature. The Bank shall have the right in its sole discretion to (i) limit your use of Scotiabank Internet Banking; (ii) suspend your use of Internet Banking, or (iii) terminate your use of Scotiabank Internet Banking and cancel this Agreement, for any reason, at any time.

Confidentiality at Scotiabank:

You have a right to confidentiality and financial privacy provided always that the Bank, subject always to the confidentiality requirement based on Section 63 of the Financial Institutions Act, may disclose any information about you and your accounts:

  1. pursuant to legal process or subpoena, or
  2. if disclosure is necessary to protect the Bank's interests.

In addition to the preceding, by accepting the terms of this Terms of Access Agreement, you consent to and acknowledge that in order to provide the Customer Service/Technical Assistance as outlined below, certain employees of the Bank and its affiliates will have access to your account information as necessary to provide such service or assistance.

Limit of Liability:

The Bank agrees to make reasonable efforts to ensure full performance of Scotiabank Internet Banking. The Bank will be responsible for acting only on those instructions sent through Scotiabank Internet Banking, which are actually received. The Bank does not assume responsibility for malfunctions in communications facilities not under its control that may affect the accuracy or timeliness of messages you send. The Bank is not responsible for any losses or delays in transmission of instructions arising out of the use of any Access Service Provider or caused by any browser software. The Bank is not responsible should you give incorrect instructions or if your payment instructions are not given sufficiently in advance to allow for timely payment. Refer also to Section 8, Limitation of Liability, Personal Financial Services Agreement (PFSA).

Any information you receive from the Bank is believed to be reliable. However, it can only be provided on a best effort basis for your convenience and is not guaranteed. The Bank is not liable for any deficiencies in the accuracy, completeness, availability or timeliness of such information or for any investment or other decision made using this information.

The Bank is not responsible for system disruptions including disruptions caused by any computer virus or related problems.

Neither the Bank, nor any other information provider, makes any express or implied warranties concerning Internet Banking software or services or browsers including, but not limited to, any warranties of merchantability, fitness for a particular purpose or non-infringement of third party proprietary rights unless disclaiming such warranties is prohibited by law. 

Prohibitions on Use:

You will not: (i) access or use the Services for an illegal, fraudulent, or defamatory purpose, or (ii) take steps or actions that could or do undermine the security, integrity, effectiveness, goodwill, or connectivity of the Services (including but not limited to fraudulent, malicious, or other activities that threaten to harm or cause harm to any other person). You expressly authorise and instruct the bank to suspend your use of Scotiabank Internet Banking and without prior notice, when it has been deemed that the use of Scotiabank Internet Banking may infringe any of the aforementioned prohibitions on use.

Authorised Users:

For business customers, Internet banking access to account information and financial services will be made available to those persons who are authorised to access the account by means of their own personal and individual login and password identification. You agree to assume full responsibility for any and all actions taken by an authorised user. You agree and acknowledge that your personal login information and password is not to be shared, divulged, or disclosed to anyone and that the authorised users will only access your account information and financial services by means of login identification and password assigned to that particular authorised user.

Customer Service / Technical Assistance:

If you need technical assistance with Scotiabank Internet Banking, or if you need to communicate with the Bank, telephone Customer Service at (592) 223-4357 toll-free.

Electronic Messages:

Because normal Internet email transmissions may not be secure, you agree to contact us regarding your account electronically only through the Scotiabank Internet Banking Secure Messaging function or by phone and not through other email methods. You also agree to receive communications regarding your account electronically and will not attempt to circumvent receiving any messages. You are deemed to have received any electronic messages sent to you when they are made available to you.


Access to Scotiabank Internet Banking is by means of a ScotiaCard Number and password unique to you. You must transmit your password correctly to use Scotiabank Internet Banking. You agree that we are authorised to process any instructions we receive under your password, and that these procedures are commercially reasonable.

Account Transfers and Bill Payments:

When you instruct the Bank to transfer funds between your Scotiabank accounts to other Scotiabank customers or to customers that have an account at another Financial Institution or pay a bill through Scotiabank Internet Banking, you authorise the Bank to withdraw the necessary funds from the Scotiabank account you designated. You agree that you will instruct the Bank to make a withdrawal only when a sufficient balance is or will be available in your designated account at the time of withdrawal. The Bank will not be obligated to act on any withdrawal instruction from you if sufficient funds, including overdraft lines of credit, are not available in the account you designated.

Data Transmission and Storage:

Your Scotiabank Internet Banking data, which includes instructions by you to access your accounts, and your access codes or other means of gaining access to your accounts and other personal information, will be secured between the Scotiabank computer in Bahamas and the Scotiabank service provider's Internet Server presently located in the United States of America (USA). Scotiabank will not assume liability for your data en route from the computer you use to perform Scotiabank Internet Banking to the Scotiabank computer in Bahamas and from that computer to the computer you use to perform Scotiabank Internet Banking. You authorise us to collect from you, use and distribute to Scotiabank's service providers in and outside of Bahamas, for their collection, use and distribution, your data for the purpose of providing the Scotiabank Internet Banking services to you. You authorise us and our service providers to store your Scotiabank Internet Banking data in an out-of-country Internet Server presently located in the USA.


You agree to indemnify and hold harmless the Bank, its associates, subsidiaries and affiliates and their officers, directors, employees and agents, all third party suppliers and their respective officers, directors, employees and agents, from and against any and all liabilities, damages, awards, settlements, losses, claims and expenses, including reasonable attorney's fees and expenses and costs of investigation (collectively, "Damages") resulting from third party claims to the extent such claims, if brought by you directly against Scotiabank, would be excluded pursuant to the Personal Financial Services Agreement (PFSA).


In the event any one or more of the provisions of this Agreement shall for any reason be held to be invalid, illegal or unenforceable, the remaining provisions shall remain valid and enforceable.


If there is a conflict between any provisions of your Personal Financial Services Agreement (PFSA) and this Agreement your Personal Financial Services Agreement (PFSA) prevails, except for the provisions of this Agreement regarding Account Transfers and Bill Payment.


Notices to the Bank shall be in writing and sent to: Scotiabank (Bahamas) Ltd. Rawson Square, P.O. Box N7518, Nassau, Bahamas. Notices to you shall be issued in writing to your address on record or otherwise as provided herein.

Governing Law:

This Agreement shall be governed by the laws of Guyana.