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  • Scotiabank is a business name used by The Bank of Nova Scotia
  • La Banque Scotia est un nom commercial utilisé par La Banque de Nouvelle-Écosse
  • Copyright
  • Terms of Use
  • Privacy Policy
  • System Requirements

©2021. All rights reserved

Terms of use

Terms of use

Notice

This Website (“Site”) is provided to you by Buck Canada HR Services Limited (“Buck”). Your access to and use of this Site is subject to these Terms and Conditions (“Conditions”). Carefully read these Conditions before proceeding. By accessing this Site and any pages hereof, you (“you”) acknowledge these Conditions and agree to be bound by them whether or not you have read them.

If you do not agree to these Conditions, do not access this Site or any pages hereof. You agree to review these Conditions regularly and your continued access or use of this Site means that you have agreed to any and all changes in these Conditions.

No Legal, Financial, Or Other Advice

The information provided on this Site is not intended to provide or be legal, financial or other advice. Many factors unknown to us, as well as your individual circumstances, may affect the applicability of any statement or comment made on this Site. You should not act or rely on any information contained in this Site without consulting a professional advisor. Buck and its affiliates are not responsible in any manner for any damages (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) whatsoever and howsoever caused, arising out of, or in connection with, the use of or inability to use this site, its content or any links or services provided through this site, or reliance on links, information or materials it contains to take any action or make any decision, or the unauthorized use or reproduction of the content of this site. For the purposes of these conditions, “affiliate” means affiliated companies within the meaning of the business corporations act (Ontario).

No warranties or conditions

This site may include inaccuracies or typographical errors and all information and materials contained on this site, including without limitation, plan texts and summaries, are provided on an "as is" basis without any representation, warranty or condition of any kind. Buck provides no representation, warranty or condition of any kind, whether implied or express, statutory or otherwise, including without limitation warranties and conditions of merchantable quality, quality or fitness for a particular purpose, noninfringement of third party rights, error-free or uninterrupted service, availability, accuracy, reliability, security and completeness arising from or relating to this site, its content or any links or services provided through this site.

Changes

Changes may be made at any time to these Conditions, information and materials contained in and services provided through this Site without prior notice. Your use of this Site on or after any such modification will constitute acceptance of these Conditions, as modified.

Transmission and Security

Internet software or transmission problems may produce inaccurate or incomplete copies of information and materials that may be downloaded and displayed on a party's computer. It is not possible to ensure that information will be completely secure as it is being sent over the Internet. Except for gross negligence or wilful misconduct, Buck will not accept any liability for any loss you may suffer as a result of inaccuracy of or a breach in the security of your information as it is being sent.

Intellectual Property Notice

Buck or its licensors own the intellectual property rights in the underlying HTML, text, audio clips, compilations video clips and other content that may be made available to you on this Site. Unless otherwise specified, no one has permission to copy, redistribute, reproduce, republish, store in any medium, re-transmit, modify or make public or commercial use of, in any form, the information or any other material found on this Site. Certain names, graphics, logos, icons, designs, words, titles, phrases or other content at this Site may constitute trade names, trade-marks or service marks of Buck or its licensors. The display of any such marks on this Site does not imply the granting of any form of licence to you. All product names mentioned on this Site are the trade-marks of their respective owners. Any unauthorized downloading, re-transmission, or other copying or modification of trade-marks and of the contents of this Site may be a violation of applicable laws.

Privacy Policy

Buck’s personal information practices on this Site are governed by Buck’s privacy policy. This Site does not intend to target or collect personal information from individuals under the age of majority.

No Endorsement for Links/Software

Hyperlinks to other Internet resources or web sites ("External Site(s)") are meant for your convenience only and are to be used entirely at your own risk. The content, accuracy, opinions expressed, and other links provided by External Sites are not reviewed, investigated, verified, monitored, endorsed, approved or controlled by Buck and its Affiliates. Buck makes no representations whatsoever about any External Site which you may access through this Site. When you access an External Site, such sites are independent from Buck, and Buck has no control and no responsibility over the content on External Sites. In addition, a link to an External Site does not mean that Buck endorses or accepts any responsibility or liability for the content, or use, of such External Site, and any damages in connection with the linking. It is up to you to take precautions to ensure that whatever External Site that you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature. Links to External Sites that allow for downloadable software are also for convenience only and Buck accepts no responsibility or liability for any difficulties, consequences or damages associated with such downloading. The use of any such downloaded software is governed by the terms of the particular license agreements which accompanies or is provided by the software. The use of any External Site is subject to the terms of use and privacy policy of such External Site.

Available Only Where Permitted by Law

All services of Buck or any other entity described or referred to or provided on this Site are only offered or available in jurisdictions where they may be legally offered.

Legal Capacity

You represent and warrant that you possess the legal right, capacity and ability to agree to these Terms and Conditions and use of this Site in accordance with them. If you are an individual, you represent and warrant that you have reached the age of majority in the jurisdiction in which you reside, and that you are in any event at least 18 years old. If you are using the Site on behalf of a corporation or other organization, you represent and warrant that you have the ability to agree to these Terms and Conditions on behalf of such organization and all references to "you" throughout these Terms and Conditions will include such organization, jointly and severally with you personally.

Jurisdiction

This Site is administered by Buck from its offices in Canada. These Conditions are deemed to be entered into in Ontario. This Site is governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable thereto. You consent to the exclusive jurisdiction of the courts of Ontario in all disputes arising out of or relating to these Conditions without regard to the conflict of laws.

Privacy Policy

Privacy Policy

Buck Canada HR Services Limited ("Buck") has been retained by The Bank of Nova Scotia to provide certain employee benefits processing and recordkeeping services. In connection with these services, Buck makes this Web site available to The Bank of Nova Scotia employees and others eligible for The Bank of Nova Scotia employee benefits. At Buck, we take the issues of privacy very seriously. Visitors to this Web site can be assured that Buck will treat their personal information with the care and attention they have come to expect from a company that provides administrative services.

This Privacy Policy provides information about what type of personal information is gathered and tracked on the Web site, how the information is used, and the circumstances under which such information may be disclosed to third parties. By visiting this Web site, and/or using the services offered on or through this Web site, you agree to the terms of this Privacy Policy. As we update and expand our services, this Privacy Policy may change, so check back to this screen from time to time. This Privacy Policy is incorporated into the Terms of Use, which govern your use of this Web site. A link to the Terms of Use is located at the bottom of each screen on this Web site.

How information is collected

In general: Buck collects personal information from you, your employer or any other service provider mandated by your employer (such as a third-party administrator for a health or other benefit plan). Buck also collects information about you by means of “cookies” as described in this Privacy Policy.

The personal information that we collect about you includes:

  • Your contact information: name, address, email and phone number
  • Demographics: date of birth, marital status and gender
  • Financial information: social insurance number, bank account numbers, benefits information and salary
  • Your transactions in connection with our services delivery

Transactional Services: You may perform transactions at this Web site utilizing Buck services. In order to protect the security and confidentiality of information provided through these services, Buck requires that users have a browser that supports 128-bit "strong" encryption.

Use of “cookies”: We use cookies to track site users. Cookies are small text files that a website places on your computer to store information about your visit. Buck uses cookies to facilitate easier navigation within the Web site, to provide a higher level of convenience for the visitor, and for administrative purposes. We do not use cookies for any other purposes. The information collected through the use of cookies is not shared with any other party for commercial purposes. You can set your browser (e.g. Microsoft Internet Explorer) to inform you when a Web site attempts to send cookies. The browser will allow you to accept the cookies or not. If you choose to disable cookies in your browser, you may not be able to take advantage of all the features of this site, or of other Web sites.

How information collected is used

We use your personal information for the following purposes:

  • To provide better customer service;
  • To provide a registry of communications between you and Buck;
  • To process a transaction, membership or service you have requested directly or through a third-party;
  • To enable you to manage your benefits program;
  • To communicate with you when necessary and respond to your inquiries and requests for information;
  • To meet legal and regulatory requirements.

We respect your privacy. Any sensitive or confidential information you provide to us via this Web site will be kept confidential. We have also implemented appropriate technical and organizational measures to protect your information from loss or unauthorized access. However, while we have made every effort to ensure that our security measures are effective, no system is infallible. We cannot guarantee the security of our systems or that information provided by you or on your behalf is secure from interception during transmission over the Internet.

How information collected is disclosed

The Bank of Nova Scotia / Plan Administrator: Buck may share your information with The Bank of Nova Scotia or the applicable plan administrator to the extent necessary for the administration of benefits or otherwise in accordance with the terms and conditions of the applicable benefit plans.

Affiliates and Service Providers: Other subsidiaries or affiliates of Buck, as well as non-affiliated Service Providers that have been mandated to assist Buck in meeting the needs of its customers, may receive personal information from your employer or from another service provider hired by your employer (such as a third-party administrator for a health or other benefit plan). These companies may also collect information from you as a website visitor. This information is disclosed only to respond to your requests and to provide you with information about other products and services offered. The companies to whom we provide information are required by law or contractual requirements to maintain the confidentiality and security of your personal information.

Other Third parties: Buck does not transmit any personal information collected through its Web site to any third-party for marketing purposes.

Legal Issues: From time to time, we may be required to provide personal information in response to a court order, subpoena, government investigation, or any other legal or regulatory obligations. We also reserve the right to report to law enforcement agencies any activities that we, in good faith, believe to be unlawful. We may disclose your personal information to government authorities at our discretion. We may release certain personal information when we believe that such release is reasonably necessary to protect the rights, property, and safety of others or ourselves.

Business Transfer: In the event that Buck or substantially all of its assets may be acquired by one or more third parties as a result of a merger, sale, consolidation or liquidation, your personal information may be part of the assets transferred to the buyer.

Where is your information processed?

Information collected through this Web site will be processed and kept in and subject to the laws of Canada. In addition, we may transfer your personal information outside Canada to our affiliates, subsidiaries, and service providers located in other countries. By using the Web site, you consent to such transfer of your personal information to, and processing in, Canada and such other countries.

Third-party Web sites

This Web site may contain links run by third-party sites that you may find useful. If you access a third-party site by clicking on a link provided, it is possible that the third-party may collect information about you. Except to the extent required to provide services that you request, Buck does not provide any of your personal information to a Web site run by a third-party. You should review the privacy policy of any Web site run by a third-party before you provide personal or confidential information. Buck is not responsible for the content of these other sites or any business you transact or information you share with them.

Right to Change this Privacy Policy

Buck reserves the right to change or update this Privacy Policy at any time and will notify users of this Web site by posting such changed or updated Privacy Policy on this screen. Any changes or updates will be effective immediately upon posting to this Web site.

Privacy Policy Effective Date: September 2022

System Requirements

System Requirements

Screen Resolution

For best results your desktop screen setting should be no smaller than 1024 x 768 pixels.

To change your screen settings:

  • Right click on your desktop and select Properties.
  • Select the Settings tab.
  • In the Screen Resolution box, move the slider until it indicates 1024 x 768 or larger.
  • Click on Apply then OK.

Browsers

For best viewing results, use Microsoft Edge or Internet Explorer 11 or later, Google Chrome, Mozilla or Safari.

Mobile Devices

Any mobile devices running on Android and iOS are supported. The vast majority of browsers in use today are capable of rendering this site. But some browsers do not display the layout and design of the site exactly as intended.