Terms & Conditions

Scotia Rewards^® Program:

Scotia Rewards^® Program – Terms & Conditions for Scotiabank^® Visa* Cardmembers

These are the terms and conditions for the Scotia Rewards^® program (the “Program”) that apply to the following cards: Scotiabank Passport^TM Visa Infinite* Card, ScotiaGold Passport^® Visa* Card, Scotiabank Passport^TM Visa Infinite Business* Card, ScotiaGold Passport^® for business Visa* Card and Scotiabank^® Rewards Visa* Card (each a “Program Card” or “Card”) issued by The Bank of Nova Scotia (“Scotiabank”).

Other Definitions that you should know:

Cardmember or Scotia Rewards Cardmember: An individual that has a Program Card.

Co-Borrower: The secondary borrower on a joint Program Card Account.

Primary Scotia Rewards Cardmember or Primary Cardmember: The individual in whose name a Program Card Account is opened and who is the first name on that Account.

Program Site: The site where you can gain access to the Program (currently located at scotiarewards.com).

Supplementary Cardmember: An additional Cardmember on your Program Card Account that is not the Primary Scotia Rewards Cardmember or the Co-Borrower. Also known as an “authorized user”.

Your name: The name of the Primary Cardmember, Co-Borrower or name of the business.

A. Participation Requirements and Use of Personal Information

The Program is automatically available to each of the above Program Cards and the accounts associated with those Program Cards (the “Program Card Accounts” or “Accounts”), so long as the Cards and Accounts are in good standing¹.

The Program is offered at no extra cost on the Program Card with no additional application or enrollment required.

As a Scotia Rewards Cardmember, you can receive communications with updates and special offers as part of the Program by signing up at scotiarewards.com, or by telephone through our Scotia Rewards Program Site, or we may allow you to receive updates and special offers by other methods.

As a customer of Scotiabank and a Scotia Rewards Cardmember, the Scotiabank Privacy Agreement protects your privacy and your personal information.

B. Earning and Redeeming Scotia Rewards Points and Adding Delegates

1. Earning Points

The program is based on a points system of “Scotia Rewards points”. Scotia Rewards points are also referred to as “points”.

You are awarded one (1) Scotia Rewards point for every $1.00 in purchases of goods and services charged to a ScotiaGold Passport Visa Card account or a ScotiaGold Passport for business Visa Card account.

You are awarded one (1) Scotia Rewards point for every $2.00 in purchases of goods and services charged to a Scotiabank Rewards Visa Card account.

You are awarded one and a half (1.5) Scotia Rewards points for every $1.00 in purchases of goods and services charged to a Scotiabank Passport^TM Visa Infinite Business* Card account.

You are awarded two (2) Scotia Rewards points for every $1.00 in grocery, dining, entertainment and daily transit purchases charged and posted to the Scotiabank Passport Visa Infinite Account (the “Accelerated Earn Rates”) as more particularly described below:

Grocery, Dining, Entertainment and Daily Transit Purchases:

Eligible grocery stores and dining purchases (including Grocery Stores and Supermarkets; Eating Places and Restaurants, Drinking Places, Fast Food Restaurant); entertainment purchases (including Entertainment including Motion Picture Theaters, Theatrical Producers, Ticket Agencies, Bands, Orchestras, Miscellaneous Entertainers;) and daily transit purchases (including Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation Services (Not Elsewhere Classified). See the Merchant Categories below for further details on what qualifies in these categories based on the applicable merchant code as classified under the Visa credit card network).

You are awarded one (1) Scotia Rewards point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Passport Visa Infinite Account (the “Regular Earn Rate”).

Spend Threshold for the Accelerated Earn Rate (Scotiabank Passport Visa Infinite Accounts only):

The Accelerated Earn Rate for the Scotiabank Passport Visa Infinite Account applies to the first $50,000 in purchases charged to that Account annually at merchants qualifying for the Accelerated Earn Rate (under the categories of grocery stores and dining, entertainment and daily transit purchases as more particularly described above), with the annual period calculated on a 12-month basis. Annual period starts from the Account open date and resets every 12 months thereafter. Once you exceed the applicable annual spend (purchase) threshold, you will continue earning points at the Regular Earn Rate of one (1) Scotia Rewards point per $1.00 in purchases charged to the Scotiabank Passport Visa Infinite Account.

Bonus Scotia Rewards points on Spend Thresholds (Scotiabank Passport Visa Accounts only):

You are awarded ten thousand (10,000) bonus Scotia Rewards points for the first $40,000 (forty-thousand dollars) in purchases of goods or services posted to your Scotiabank Passport Visa Infinite Account annually (each year (12-months)). Annual period starts from the Account open date and resets every 12 months thereafter.

You are then awarded two thousand (2,000) bonus Scotia Rewards points for every additional $10,000 (ten thousand dollars) in purchases of goods or services posted to your Scotiabank Passport Visa Infinite Account thereafter in that same 12-month year, after the first $40,000 in annual purchases has been reached.

Any bonus Scotia Rewards points earned will be applied within two statement cycles after you have met the $40,000 annual purchases threshold on the Scotiabank Passport Visa Infinite Account or within two statement cycles after you have met each additional $10,000 annual purchases threshold on the Account, provided that Account is open and in good standing.

For all Program Card Accounts:
Points are earned only for purchases charged to the Program Card Account. Scotia Rewards points are not awarded for cash advances, balance transfers, Scotia^® Credit Card Cheques, returns, refunds or other similar credits, payments, fees, interest, or other charges. Cash advances include cash-like transactions which are monetary transactions posted to your Program Card Account and include wire transfers, foreign currency, travelers cheques, money orders and gaming chips.

Scotia Rewards points will be added to a Program Card Account shortly after a debit transaction for a purchase has been posted to that Account, and will be deducted (or cancelled) from the Program Card Account if a credit for any returned purchase (or similar credit such as a refund or credit voucher) is posted to that Account or for any other adjustments to previously billed purchases.

Scotia Rewards points will not be posted to a Program Card Account that is not in good standing¹ or to a Program Card Account that is not open at the time of posting.

Purchases made by a Supplementary Cardmember will earn points for the benefit of the Primary Scotia Rewards Cardmember on the Program Card Account (and any Co-Borrower on that Account). Supplementary Cardmembers earn the same number of points on purchases as the Primary Scotia Rewards Cardmember (and Co-Borrower) earn, unless we advise you otherwise.

Checking your Points Balance: Every month the statement for the Program Card Account will detail the number of points earned since the previous statement (for the prior statement period), the balance of points carried forward from a previous statement (for the prior statement period), the number of points redeemed or adjusted in that statement (for the prior statement period) and the new Scotia Rewards points balance for the Program Card Account. Scotia Rewards points information for a Program Card Account is also available to the Primary Scotia Rewards Cardmember (or Co-Borrower) by registering and logging into scotiarewards.com where points balances are updated daily based on the transactions that have been posted to the Program Card Account as of that date. Transactions may require several business days to be posted to the Account and the points balance shown may not always be up to date.

2. Redeeming Points

Scotia Rewards points can only be redeemed as set out in these terms and conditions. Redemptions of Scotia Rewards points can be made for a travel purchase (also referred to as a travel booking), merchandise and other non-travel rewards such as gift cards, pre-paid cards or other items/goods and services as described in these terms and conditions.

Scotia Rewards Cardmembers who redeem Scotia Rewards points are responsible for any taxes associated with their redemption and if applicable, must declare the value of those redemptions to appropriate tax authorities.

3. Redeeming Points on Closed Accounts

If a Program Card Account is closed (including if you cancel a Program Card), any unredeemed Scotia Rewards points can be redeemed within 60 days of closing the Account(s), provided the Account is in good standing¹, after which time the unredeemed points will be permanently cancelled.

If the Program Card Account is closed, you will not be able to redeem any points for a Post Purchase Travel Redemption.

If you have multiple eligible Program Cards, you may transfer any accumulated Scotia Rewards points to another Scotiabank Credit Card Account that earns Scotia Rewards points before electing to close the Account, provided the Account(s) are open and in good standing¹ and the Account(s) are in your name.

If the Scotia Rewards Account is closed by Scotiabank because it is not in good standing¹, the Scotia Rewards points associated with that Account cannot be redeemed and will be immediately cancelled.

4. Adding a Delegate

A Primary Scotia Rewards Cardmember or Co-Borrower may delegate a representative to redeem points on their behalf. Visit scotiarewards.com or contact the Scotia Rewards Centre for details.

C. Transferring Points

1. When Points can be Transferred

Scotia Rewards points are non-transferable. However, if you have more than one Program Card Account in your name, we may allow you to transfer Scotia Rewards points to an open Program Card Account in your name before electing to close a Program Card Account, provided the Account(s) are in good standing¹.

For a joint Program Card Account, if you are the Primary Scotia Rewards Cardmember or Co-Borrower, you may transfer Scotia Rewards points to another Program Card Account, provided each of those Accounts are in good standing¹ and each Account is in your name.

Supplementary Cardmembers cannot transfer, combine or redeem points on any Program Card Accounts.

Scotia Rewards Cardmembers can go to scotiarewards.com to complete a transfer of points. If you have any questions, visit us online or contact the Scotia Rewards Centre.

2. Points Transfer on Death or Separation/Divorce or Change in Business Ownership or Legal Structure

Upon the death of a Primary Scotia Rewards Cardmember and verification by Scotiabank, if there is no Co-Borrower on the Program Card Account, the estate of the Primary Scotia Rewards Cardmember can redeem unused Scotia Rewards points for up to 60 days from the date of death provided that Account is in good standing¹ after which time, unredeemed Scotia Rewards points will be permanently cancelled.

In the case of a joint Program Card Account, the surviving Primary Scotia Rewards Cardmember or Co-Borrower, as the case may be, can elect to redeem unused Scotia Rewards points for up to 60 days from the date of death or can request to transfer them to a new Program Card Account in their name, provided the Account(s) are in good standing¹. Otherwise, the unredeemed Scotia Rewards points will be permanently cancelled.

Points cannot be divided or otherwise transferred in the event of separation or divorce.

In the event that a change in legal structure (e.g., Sole Proprietor to incorporated) or changes in ownership of a business occurs, transfer of points to the Scotiabank credit card replacement account that earns points will be allowed.

D. Non-Travel Rewards

Scotia Rewards points can be redeemed for non-travel rewards on scotiarewards.com. Non-travel rewards include items such as merchandise, gift cards and Scotiabank Prepaid Cards. You may redeem Non-Travel Rewards, redeeming Scotia Rewards points only (“Points Only”) or redeeming Scotia Rewards points plus charging the balance to your Program Card (“Points Plus Charge”) on selected merchandise.

All merchandise appearing in the Scotia Rewards catalogue is subject to availability. Some rules and restrictions may apply. For additional information and a complete copy of the Scotia Rewards catalogue, please visit scotiarewards.com.

Other terms you should know about Non-Travel Rewards:

1. Scotiabank Visa Prepaid Card

For instructions on how to redeem Scotia Rewards points for Scotiabank Visa Prepaid Cards, please visit scotiarewards.com. Scotiabank Visa Prepaid Cards are subject to the terms of the Scotiabank Prepaid Cardholder Agreement.

2. Gift Cards

When redeeming Scotia Rewards points for a Gift Card, remember that the terms and conditions that apply to that Gift Card are set by the issuer that issues the gift card, not Scotiabank. Please review specific terms and conditions carefully upon receipt of your Gift Card.

3. How to Redeem Points for Non-Travel Rewards:

You can redeem Scotia Rewards points for non-travel rewards using two methods:

Redeem using points only
Redeem using points and a charge to your Program Card on selected merchandise.

4. Additional terms that apply to Non-Travel Rewards:

Non-Travel Rewards are sent by pre-paid delivery service during normal business hours and it may be necessary for you to make appropriate arrangements for receipt.
Every attempt is made to deliver the order as quickly as possible. However, Scotiabank is not responsible for delays due to a union dispute, postal disruption or any other reason.
Where applicable, merchandise non-travel rewards are delivered with the Manufacturer Warranties and Service Policies/Warranties.
Retain all documents for your records.
If the item ordered arrives damaged or is missing pieces, please contact the Scotia Rewards Centre immediately at scotiarewards.com or by calling 1-800-665-2582.

For details on how to cancel or return Non-Travel Rewards, please visit scotiarewards.com.

Note: Purchase Insurance: Your Program Card may include insurance coverage for purchases made on your Program Card, including non-travel rewards. Please refer to scotiabank.com or to the Certificates of Insurance provided with your Program Card for a full description of any included coverage. For all insurance coverages, certain limitations, restrictions and exclusions apply².

Please visit scotiarewards.com for additional terms and conditions that apply to non-travel rewards under the Program.

E. Travel Purchases through the Scotia Rewards Travel Service

The Scotia Rewards Travel Service is provided by a licensed third party travel agent (Hogg Robinson Canada Inc.) (“HRG”). The Bank of Nova Scotia and its affiliates are not responsible for the Scotia Rewards Travel Service website, any services provided to you by HRG (including omissions or errors in those services), or any of the third parties that provide services through the Scotia Rewards Travel Service.

1. Booking Travel through the Scotia Rewards Travel Service

You can purchase travel through the Scotia Rewards Travel Service in two ways:

Sign on to the Scotia Rewards Program Site to book your purchase online through the Program Site; or
call the Scotia Rewards Travel Service at 1-800-665-2582 and speak with a Travel Consultant. Remember: If you book travel by phone, a booking fee will be charged by the Scotia Rewards Travel Service (disclosed to you at the time of booking or by visiting scotiarewards.com for details) for that travel purchase and will be charged to your Program Card Account. Booking fee is subject to change.

2. Redeeming Points for Travel Purchases:

You can redeem your Scotia Rewards points for a travel purchase made through the Scotia Rewards Travel Service using the following options:

Redeeming points (“Points Only”)
This payment option allows you to redeem points for the entire amount of your travel purchase made through the Scotia Rewards Travel Service;
Redeeming points plus a charge to your Program Card (“Points Plus Charge”)
This payment option allows you to book travel through the Scotia Rewards Travel Service and the value of any Scotia Rewards points redeemed will be deducted from the total purchase with the difference in the amount for that travel purchase then charged to your Program Card.

You will earn points only on the amount of the travel purchase charged to your Program Card. You will not earn points on the amount of the travel purchase towards which you redeem points.

The minimum point redemption is 5,000 points (5,000 points is equivalent to $50 in travel savings) each time a redemption towards a travel purchase is made through the Scotia Rewards Travel Service.

3. Cash Back Rebate on Travel Purchases made through the Scotia Rewards Travel Service (ScotiaGold Passport Visa Card or ScotiaGold Passport for business Visa Cards only)

ScotiaGold Passport Visa Card accounts or ScotiaGold Passport for business Visa Card accounts can earn 5% in cash back (the “Cash Back Rebate”) on the amount of travel purchases made on their Program Card Account if:

the travel purchase is made through the Scotia Rewards Travel Service;
and
the entire amount of the travel purchase is charged to the ScotiaGold Passport Visa Card or ScotiaGold Passport for business Visa Card account either through (a) using a “Points Only” option to charge entire amount of the travel purchase (“Points Only”) to the applicable Program Card Account OR (b) using a “Points Plus Card” option to redeem points towards a partial amount of the travel purchase and applying the balance of that travel purchase to the Program Card.

Eligible purchases that can earn the Cash Back Rebate are limited to: airline tickets, pre-packaged tours and cruises booked through Scotia Rewards Travel Service.

Taxes, service charges, insurance, accommodations, car rentals, fully independent tours and personal expenditures, such as meals, are excluded from earning the Cash Back Rebate, unless such items are already included in the pre-packaged tours purchased through the Scotia Rewards Travel Service.

When using the “Points Plus Card” option to redeem points for a travel purchase through the Scotia Rewards Travel Service, the Cash Back Rebate is applicable only to the portion of the travel purchase that is charged to the ScotiaGold Passport Visa Card or the ScotiaGold Passport for business Visa Card accounts, not any amount of the travel purchase for which a points redemption is applied.

The Cash Back Rebate is provided by a third party provider. Scotiabank is not responsible for the Cash Back Rebate. A Cash Back Rebate can take up to 6 to 8 weeks to be posted to your Account and appear on your statement. For more information about the Cash Back Rebate, visit scotiarewards.com.

4. Other Information about Travel Purchases through the Scotia Rewards Travel Service

Availability / Pricing: All travel rewards listed in the Scotia Rewards Catalogue, Scotia Rewards Program Site or any other brochure or notice made available to you, are subject to availability by the travel supplier, hotel or any other applicable supplier. The Scotia Rewards Travel Service does not commit to price matching other than the Best Price Guarantee program.

Travel Confirmations: All correspondence and travel documents/itinerary provided by Scotia Rewards Travel Service will be sent to the Primary Cardmember’s (or Co-Borrower’s) address or email appearing in our records at Scotia Rewards Travel Service or at the address instructed by the Primary Cardmember (or Co-Borrower). We are not responsible for any failure to receive these travel documents if we send them to the address appearing in our records at the Scotia Rewards Travel Service or the instructions we receive from the Primary Cardmember or Co-Borrower.

Travel Documents: You and your travel companions are responsible to ensure that you have in your possession, on departure and as otherwise required, all necessary travel documents. We are not responsible if you do not have the necessary travel documents and you will not be entitled to any compensation from us. It is your responsibility to check with the airlines and other travel suppliers for all estimated departure times, arrival times, and check-in times.

Pay at Destination: While most hotel and car rental bookings will be prepaid (requiring Cardmembers to pay only local tax and incidentals at check-out/dropoff), there may be occasions where a prepayment is not possible. In these situations, your hotel and/or car bookings will be considered a “Pay At Destination” booking. For these bookings, points are redeemed in the form of a travel credit. The travel credit is applied to your Program Card Account within 14 days of the date of this booking. Full payment is collected by the hotel and/or car rental agency. Pay at Destination is only applicable to trips reserved through the Scotia Rewards Travel Service and paid with a Program Card.

Travel Cancellation: If you wish to cancel your travel booking before your travel departure date, or any portion of it, made through the Scotia Rewards Travel Service, we will attempt to assist you but you agree that any cancellation is subject to the terms and conditions of the third party travel supplier that is providing that travel purchase and the terms of the travel purchase itself. In some cases, this means that for non-refundable tickets, cancellations are not allowed or are subject to cancellation fees. Any cancellation fees will be charged directly to the Program Card Account on which the travel purchase was made.

Travel cancellations and/or changes made to travel purchases outside of Scotia Rewards Travel Service hours are dependent on the terms set by the third party travel providers and their hours of operation. The Scotia Rewards Travel Service is not responsible for earlier closures or any cancellation of these travel purchases by the third party travel providers.

Point redemptions for travel purchases are final. However, if you are able to cancel a travel purchase for which you redeemed Scotia Rewards points, we will credit the Program Card Account for the points redeemed at the value they were redeemed at.

Travel Insurance: Your Program Card may include insurance coverages related to travel. Please refer to the rewards and travel benefits posted online at scotiabank.com or to the Certificates of Insurance provided with your Program Card for a full description of any included coverage. For all insurance coverages, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits².

F. Post Purchase Travel Redemption

You can purchase eligible travel or related travel expenses at a travel provider other than the Scotia Rewards Travel Service (e.g. other travel agencies, tour operators and online travel websites) (the “Other Travel Suppliers”). These types of purchases at Other Travel Suppliers are called “Post Purchase Travel Redemptions” (also referred to as "Apply Points to Travel").

Scotia Rewards points are redeemable for Post Purchase Travel Redemptions made through your Program Card. To redeem Scotia Rewards points for a Post Purchase Travel Redemption at Other Travel Suppliers, the purchase must first appear (post) on the Program Card Account. Scotia Rewards Cardmembers can then redeem points towards the amount of the Post Purchase Travel Redemption charged to the Program Account through scotiarewards.com or by calling 1-800-665-2582.

The Post Purchase Travel Redemption must be charged on your Program Card Account and recognized by our systems with the Merchant Category Codes or identifiers: airlines & air carriers, airports, flying fields, and airport terminals; lodgings, hotels, motels and resorts, trailer parks and campgrounds; passenger railways, bus lines, steamship and cruise lines; travel agencies and tour operators, automobile rental agency, motor home and recreational vehicle rentals. These Merchant codes/identifiers and categories are subject to change.

The Post Purchase Travel Redemption can include related taxes, booking fees, airport fees and travel insurance premiums.

You must redeem Scotia Rewards points within 12 months from the date when the Post Purchase Travel Redemption is posted to the Program Card Account (the posting date). It may take up to two statement periods for the points redeemed towards a Post Purchase Travel Redemption to appear as a credit on your Program Card Account. Points redeemed cannot be reversed once posted to the Account. To redeem Scotia Rewards points towards your Post Purchase Travel Redemption, the Program Card Account must be open and in good standing¹.

The value of the points redeemed cannot exceed the amount of the Post Purchase Travel Redemption charged to your Program Card Account.

The minimum point redemption is 5,000 points (5,000 points is equivalent to $50 in travel savings) each time a redemption towards a Post Purchase Travel Redemption is made.

G. Redeem Scotia Rewards Points for Credit

A Primary Scotia Rewards Cardmember or Co-Borrower can redeem points online through scotiarewards.com for a credit that will be applied to the Program Card Account or we may from time to time send a Primary Scotia Rewards Cardmember or Co-Borrower an offer to redeem points for a credit.

Your Program Card Account must be open and in good standing¹ at the time the credit is applied to the Program Card Account.

It may take up to two statement periods, following a request to redeem points for a credit, for the credit to appear on the Program Card Account. Once the request to redeem Scotia Rewards Points for Credit has been submitted, you cannot cancel the request and no changes can be made. The credit will be applied towards the balance of the Program Card Account, not towards a particular transaction.

For additional information and instructions on how to redeem Scotia Rewards Points for Credit, including if any minimum redemption amounts are required, please visit scotiarewards.com.

H. Points Status when Switching Cards

If you switch your Program Card Account to another Program Card Account, then your accumulated Scotia Rewards points will transfer over to your new Program Card Account, so long as both Accounts are in your name and are in good standing¹.

If you switch (transfer) your Program Card to a Scotiabank credit card that does not offer the Scotia Rewards Program, your Scotia Rewards points will not transfer over to your new Scotiabank credit card. In that case, you may redeem any unused Scotia Rewards points for merchandise within 60 days of the switch, provided your Program Card Account and the other Scotiabank credit account are in good standing¹. After 60 days, unredeemed points will be permanently cancelled.

I. Cancelled, Lost or Stolen Program Cards

Cancelled Program Cards on Program Card Accounts are not eligible to earn Scotia Rewards points after their cancellation date. If your Program Card is lost or stolen, we will replace that Program Card and transfer your points to the new Program Card Account opened in your name for the replacement card.

J. Changes to this Program

Scotiabank reserves the right to modify, terminate, suspend or extend or otherwise alter all or any of the terms and conditions of the Scotia Rewards program by giving 30 days’ notice, including the following:

The amount of points earned or redeemed through the Program;
The value of points;
What you can or cannot redeem points for;
When you can transfer points and to whom;
The length of time available to redeem points; or
Any fees or charges that apply to this Program including booking fees.

In the event we terminate this Program, the Primary Cardmember will be notified and can redeem any unused points within 60 days after the Program’s termination date, provided their Program Account(s) is in good standing¹.

K. General Program Terms

Good Standing: If the Program Card Account is not in good standing, Scotia Rewards points are not eligible for redemption and the Account will not earn points.

Canadian $: All amounts referred to are in Canadian dollars unless otherwise noted.

L. Disclaimers

The Bank of Nova Scotia (Scotiabank) and any of the third party service providers that are retained by Scotiabank to assist us in providing the Scotia Rewards Program (each a “Program Provider”) are not liable or responsible for any damages, injuries or disabilities that occur, including during travel redeemed through the Program, while using any rewards redeemed through the Program or for any cash back under the Program.

Scotiabank and its Program Providers (including HRG), their affiliates, employees, agents or contractors are not liable or responsible for any damages or losses, including without limitation indirect, consequential, special, incidental or punitive damages resulting from or caused by the fulfillment or non-fulfillment of services (including rewards) under this Program. Scotiabank and its Program Providers (including HRG) are not responsible for any purchases or other goods and services provided by third parties including Other Travel Providers.

While we will try to satisfy Cardmembers with an equivalent replacement or a credit adjustment of points, Scotiabank and our Program Providers, will not assume any costs related to the failure of suppliers to deliver the rewards.

Please see the Revolving Credit Agreement that you received with your Program Card about settling disputes directly with a merchant or visit scotiabank.com for a copy of your Revolving Credit Agreement.

Scotiabank and its Program Providers do not make any warranties or representations with respect to the quality or fitness for use of any rewards, including the nature or quality of any of the travel rewards.

^® Registered trademark of The Bank of Nova Scotia.

^TM Trademark of The Bank of Nova Scotia.

* Visa Int./Licensed User.

All other trademarks or brand names are the property of their respective owners.

Services or rewards (including travel rewards through the Scotia Rewards Travel Service or non-travel rewards such as merchandise, gift cards, and other non-travel rewards) made available, or provided, through the Scotia Rewards Program by a third party are the responsibility of that third party. Scotiabank and its affiliates are not responsible for such services or rewards including their delivery, return, or fitness for use.

¹ A Program Card Account and associated Program Card(s) is in good standing if the Account is not delinquent (past due) or over limit and the Cardmember(s) is not in breach of the Revolving Credit Agreement that applies to the Program Card Account. If the Account is not in good standing, the accumulated Scotia Rewards points are not eligible for redemption.

² For ScotiaGold Passport Visa Cardmembers: Travel Emergency Medical Insurance is underwritten by American Bankers Life Assurance Company of Florida, except for travel in Cuba which is underwritten by Zurich Insurance Company Ltd. Trip Cancellation/Trip Interruption Insurance and Rental Car Collision/Loss Damage Insurance is underwritten by American Bankers Insurance Company of Florida. Travel Accident Insurance is underwritten by American Bankers Life Assurance Company of Florida. Purchase Security, Extended Warranty, Delayed/Lost Baggage Insurance and Hotel/Motel Burglary Insurance are underwritten by Elite Insurance Company.

For ScotiaGold Passport for business Visa Cardmembers: Flight Delay Insurance and Rental Car Collision Loss Damage Insurance is underwritten by American Bankers Insurance Company of Florida. Travel Accident Insurance is underwritten by American Bankers Life Assurance Company of Florida. Purchase Security, Extended Warranty, Delayed/Lost Baggage Insurance and Hotel/Motel Burglary Insurance are underwritten by Elite Insurance Company. All claims for insurance indemnities must be forwarded to the respective insurers. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance provided with the card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents, and take it with you when you travel.

For Scotiabank Passport Visa Infinite Cardmembers: Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC) and/or American Bankers Life Assurance Company of Florida (ABLAC). Travel Emergency Medical Insurance is underwritten by ABLAC, except for travel in Cuba which is underwritten by Zurich Insurance Company Ltd. Price Protection Service is a service provided by ABIC. The Bank of Nova Scotia is not an insurer.

For Scotiabank Passport Visa Infinite Business Cardmembers: Common Carrier Travel Accident Insurance coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC). Travel Emergency Medical Insurance is underwritten by ABLAC, except for travel in Cuba which is underwritten by Zurich Insurance Company Ltd. All other coverages are underwritten by American Bankers Insurance Company of Florida (ABIC). The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the insurers. ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant^®. ^®Assurant is a registered trademark of Assurant, Inc.

All claims for insurance indemnities must be forwarded to the respective insurers. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance provided with the card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents, and take it with you when you travel.

Scotia Rewards^® Program – Terms & Conditions for Scotiabank^®* American Express^® Cardmembers

These are the terms and conditions for the Scotia Rewards^® program (the “Program”) that apply to the following cards: Scotiabank^®* Platinum American Express^® Card, Scotiabank^®* Gold American Express^® Card and Scotiabank^®* American Express^® Card (each a “Program Card” or a “Card”).

Other Definitions that you should know:

Cardmember or Scotia Rewards Cardmember: An individual that has a Program Card.

Co-Borrower: The secondary borrower on a joint Program Card Account.

Primary Scotia Rewards Cardmember or Primary Cardmember: The individual in whose name a Program Card Account is opened and who is the first name on that Account.

Program Site: The site where you can gain access to the Program (currently located at scotiarewards.com).

Supplementary Cardmember: An additional Cardmember on your Program Card Account that is not the Primary Scotia Rewards Cardmember or the Co-Borrower. Also known as an “authorized user”.

Your name: The name of the Primary Cardmember or Co-Borrower.

A. Participation Requirements and Use of Personal Information

The Program is automatically available to each of the above Program Cards and the Accounts associated with those Program Cards (the “Program Card Accounts” or “Accounts”), so long as the Cards and Accounts are in good standing².

The Program is offered at no extra cost on the Program Card with no additional application or enrollment required.

As a Scotia Rewards Cardmember, you can receive communications with updates and special offers as part of the Program by signing up at scotiarewards.com, or by telephone through our Scotia Rewards Centre, or we may allow you to receive updates and special offers by other methods.

As a customer of Scotiabank and a Scotia Rewards Cardmember, the Scotiabank Privacy Agreement protects your privacy and your personal information.

B. Earning and Redeeming Scotia Rewards Points and Adding Delegates

1. Earning Points

The program is based on a points system of “Scotia Rewards points”. Scotia Rewards points are also referred to as “points”.

You are awarded Scotia Rewards points for purchases of goods and services charged to your Program Card.

Earn Rates and Accelerated Earn Rates:

For Scotiabank Platinum American Express Card account and Scotiabank American Express Card account: The accelerated earn rate for the Scotiabank Platinum American Express Card account is four (4) points per $1.00 in purchases of goods and services charged to that Program Card Account.

The regular earn rate for the Scotiabank Platinum American Express Card account is one (1) point per $1.00 in purchases of goods and services charged to that Program Card Account.

Merchants qualifying for the accelerated earn rate for a Scotiabank Platinum American Express Card account and Scotiabank American Express Card account: The accelerated earn rate applies to purchases made at American Express merchants in the Gas, Grocery, Dining and Entertainment categories, classified in the American Express network as: Gas Service Stations (with or without Ancillary Services and with Merchant Code: 5541) and Automated Fuel Dispensers (Merchant Code: 5542); Grocery Stores and Supermarkets (Merchant Code: 5411); Eating Places and Restaurants (Merchant Code: 5812); Drinking Places (Alcoholic Beverages) including Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques (Merchant Code: 5813); Fast Food Restaurants (Merchant Code: 5814); Entertainment including Motion Picture Theaters (Merchant Code: 7832), Theatrical Producers (except Motion Pictures) and Ticket Agencies (Merchant Code: 7922), Bands, Orchestras and Miscellaneous Entertainers - Not Elsewhere Classified (Merchant Code: 7929).

For the Scotiabank Gold American Express Card account, the first accelerated earn rate for the above Program Card Accounts is five (5) points per $1.00 charged in Canadian currency to the Account for eligible purchases made in Canadian currency at merchant locations classified as Groceries, Dining and Entertainment (as further described below).
The second accelerated earn rate is three (3) points per $1.00 charged to the Scotiabank Gold American Express Card account for eligible purchases made in Canadian currency at merchant locations classified as Gas, Daily Transit and Select Streaming Services.

Merchants qualifying for the first accelerated earn rate (5X points): The accelerated earn rate of 5X the points applies to purchases made at American Express merchants in the Grocery Stores and Supermarkets (Merchant Code: 5411), Dining including Eating Places and Restaurants, Drinking Places, and Fast Food Restaurants, and Delivery of Food as a primary business (Merchant Code: 5812, 5813, 5814, 5824, 5967 and 7311), Entertainment including Motion Picture Theaters, Theatrical Producers and Ticket Agencies, Bands, Orchestras and Miscellaneous Entertainers (Merchant Code: 7832, 7922, 7929).

Merchants qualifying for the second accelerated earn rate (3X points): Gas including Gas Service Stations (with or without Ancillary Services) and Automated Fuel Dispensers (Merchant Code: 5541 and 5542), Daily Transit including Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Transportation (Merchant Code: 4121, 4111, 4112, 4131, 4784, 4789), Select Streaming Service including (4899, 5967, 5969, 7399) and whose primary business and related services as identified by Scotiabank are eligible streaming services (excluding gaming). Eligible streaming service merchants are subject to change.

The regular earn rate for all other eligible purchases charged to the Scotiabank Gold American Express Card account is one (1) point per $1.00 charged whether charged in Canadian or foreign currency (after the foreign currency has been converted into Canadian dollars and posted on that Program Card Account).

Note: The first and second accelerated earn rates for the Scotiabank Gold American Express Card is for eligible purchases made in Canadian currency only. You will only earn the regular rate of one (1) point per $1.00 charged to Scotiabank Gold American Express Card account for any eligible purchase made in a foreign currency (once the amount of that foreign currency has been converted into Canadian currency and posted to your account).

Spend threshold for the Accelerated Earn Rate:

The accelerated earn rate for the Scotiabank Platinum American Express Card account applies to the first $100,000 in purchases charged to that Program Card Account annually at merchants qualifying for the accelerated earn rate, calculated annually from January 1st to December 31st each year.

The accelerated earn rate for the Scotiabank Gold American Express Card applies to the first $50,000 in purchases charged to that Program Card Account annually at merchants qualifying for the accelerated earn rate, calculated annually from January 1st to December 31st each year.

Once you exceed the applicable annual spend threshold, you will continue earning points at the regular earn rate of one (1) point per $1.00 in purchases charged to the Program Card Account.

Points are earned only for purchases charged to the Program Card Account. Scotia Rewards points are not awarded for cash advances, balance transfers, Scotia®* Credit Card Cheques, returns, refunds or other similar credits, payments, fees, interest, service or transaction charges. Cash advances include cash-like transactions which are monetary transactions posted to your Program Card Account and include wire transfers, foreign currency, travelers cheques, money orders and gaming chips.

Scotia Rewards points will not be posted to a Program Card Account that is not in good standing2 or to a Program Card Account that is not open at the time of posting.

Checking your Points Balance:

Every month the statement for the Program Card Account will detail the number of points earned since the previous statement (for the prior statement period), the balance of points carried forward from a previous statement (for the prior statement period), the number of points redeemed or adjusted in that statement (for the prior statement period) and the new Scotia Rewards points balance for the Program Card Account. Scotia Rewards points information for a Program Card Account is also available to the Primary Scotia Rewards Cardmember (or Co-Borrower) by registering and logging into scotiarewards.com where points balances are updated daily based on the transactions that have been posted to the Program Card Account as of that date. Transactions may require several business days to be posted to the Account and the points balance shown may not always be up to date.

2. Redeeming Points

3. Redeeming Points on Closed Accounts

If a Program Card Account is closed (including if you cancel a Program Card), any unredeemed Scotia Rewards points can be redeemed within 60 days of closing the Account(s), provided the Account is in good standing², after which time the unredeemed points will be permanently cancelled.

If the Program Card Account is closed, you will not be able to redeem any points for a Post Purchase Travel Redemption.

If the Scotia Rewards Account is closed by Scotiabank because it is not in good standing², the Scotia Rewards points associated with that Account cannot be redeemed and will be immediately cancelled.

4. Adding a Delegate

A Primary Scotia Rewards Cardmember or Co-Borrower may delegate a representative to redeem points on their behalf. Visit scotiarewards.com or contact the Scotia Rewards Centre for details.

C. Transferring Points

1. When Points can be Transferred

For a joint Program Card Account, if you are the Primary Scotia Rewards Cardmember or Co-Borrower, you may transfer Scotia Rewards points to another Program Card Account, provided each of those Accounts is in good standing² and each Account is in your name.

Supplementary Cardmembers cannot transfer, combine or redeem points on any Program Card Accounts.

Scotia Rewards Cardmembers can go to scotiarewards.com to complete a transfer of points. If you have any questions, visit us online or contact the Scotia Rewards Centre.

2. Points Transfer on Death or Separation/Divorce

Upon the death of a Primary Scotia Rewards Cardmember and verification by Scotiabank, if there is no Co-Borrower on the Program Card Account, the estate of the Primary Scotia Rewards Cardmember can redeem unused Scotia Rewards points for up to 60 days from the date of death provided that Account is in good standing² after which time, unredeemed Scotia Rewards points will be permanently cancelled.

In the case of a joint Program Card Account, the surviving Primary Scotia Rewards Cardmember or Co-Borrower, as the case may be, can elect to redeem unused Scotia Rewards points for up to 60 days from the date of death or can request to transfer them to a new Program Card Account in their name, provided the Account(s) are in good standing². Otherwise, the unredeemed Scotia Rewards points will be permanently cancelled.

Points cannot be divided or otherwise transferred in the event of separation or divorce.

D. Non-Travel Rewards

Other terms you should know about Non-Travel Rewards:

1. Scotiabank Prepaid Card

For instructions on how to redeem Scotia Rewards points for Scotiabank Prepaid Cards, please visit scotiarewards.com. Scotiabank Prepaid Cards are subject to the terms of the Scotiabank Prepaid Cardholder Agreement.

2. Gift Cards

3. How to Redeem Points for Non-Travel Rewards:

You can redeem Scotia Rewards points for non-travel rewards using two methods:

Redeem using points only
Redeem using points and a charge to your Program Card on selected merchandise.

4. Additional terms that apply to Non-Travel Rewards:

Non-Travel Rewards are sent by pre-paid delivery service during normal business hours and it may be necessary for you to make appropriate arrangements for receipt.
Every attempt is made to deliver the order as quickly as possible. However, Scotiabank is not responsible for delays due to a union dispute, postal disruption or any other reason.
Where applicable, merchandise non-travel rewards are delivered with the Manufacturer Warranties and Service Policies/Warranties.
Retain all documents for your records.
If the item ordered arrives damaged or is missing pieces, please contact the Scotia Rewards Centre immediately at scotiarewards.com or by calling 1-800-665-2582.

For details on how to cancel or return Non-Travel Rewards, please visit scotiarewards.com.

Note: Purchase Insurance: Your Program Card may include insurance coverage for purchases made on your Program Card, including non-travel rewards. Please refer to scotiabank.com or to the Certificates of Insurance provided with your Program Card for a full description of any included coverage. For all insurance coverages, certain limitations, restrictions and exclusions apply³.

Please visit scotiarewards.com for additional terms and conditions that apply to non-travel rewards under the Program.

E. Travel Purchases through the Scotia Rewards Travel Service

1. Booking Travel through the Scotia Rewards Travel Service

You can purchase travel through the Scotia Rewards Travel Service in two ways:

Sign on to the Scotia Rewards Program Site to book your purchase online through the Program Site; or
Call the Scotia Rewards Travel Service at 1-800-665-2582 and speak with a Travel Consultant. Remember: If you book travel by phone, a booking fee will be charged by the Scotia Rewards Travel Service (disclosed to you at the time of booking or by visiting scotiarewards.com for details) for that travel purchase and will be charged to your Program Card Account. Booking fee is subject to change.

2. Redeeming Points for Travel Purchases:

You can redeem your Scotia Rewards points for a travel purchase made through the Scotia Rewards Travel Service using the following options:

Redeeming points (“Points Only”)
This payment option allows you to redeem points for the entire amount of your travel purchase made through the Scotia Rewards Travel Service;
Redeeming points plus a charge to your Program Card - (“Points Plus Charge”)
This payment option allows you to book travel through the Scotia Rewards Travel Service and the value of any Scotia Rewards points redeemed will be deducted from the total purchase with the difference in the amount for that travel purchase then charged to your Program Card.

You will earn points only on the amount of the travel purchase charged to your Program Card. You will not earn points on the amount of the travel purchase towards which you redeem points.

3. Concierge Assistance Services:

Complimentary concierge services to Scotiabank Platinum American Express and Scotiabank Gold American Express Cardmembers are provided by our selected third party service provider¹.

General concierge assistance consists of car and limousine rentals, hotel information and reservations, luxury rental information and arrangements such as houseboats, villas, charter planes, cultural information, restaurant referrals and reservations, entertainment information and arrangements, business service referrals and arrangements, golf course referrals, leisure activity information and assistance, gift referrals and arrangement services, hard to find items, location of retailers/specialty stores, product research comparison, specialty in-home referrals and specialty service referrals. Services are available worldwide and are subject to limitations. In no event will the services be available in any country or territory which is the subject of governmental or quasi-governmental economic or political sanctions, which may be involved in an international or internal conflict, or where the existing infrastructure is deemed inadequate to guarantee service. Scotiabank Platinum American Express Cardmembers may redeem Scotia Rewards points to purchase services offered through our selected third party service provider.

4. Other Information about Travel Purchases through the Scotia Rewards Travel Service

F. Post Purchase Travel Redemption

You can purchase eligible travel or related travel expenses at a travel provider other than the Scotia Rewards Travel Service (e.g., other travel agencies, tour operators and online travel websites) (the “Other Travel Suppliers”). These types of purchases at Other Travel Suppliers are called “Post Purchase Travel Redemptions” (also referred to as "Apply Points to Travel").

The Post Purchase Travel Redemption can include related taxes, booking fees, airport fees and travel insurance premiums.

The value of the points redeemed cannot exceed the amount of the Post Purchase Travel Redemption charged to your Program Card Account.

The minimum point redemption is 5,000 points (5,000 points is equivalent to $50 in travel savings) each time a redemption towards a Post Purchase Travel Redemption is made.

G. Redeem Scotia Rewards Points for a Credit

Your Program Card account must be open and in good standing² at the time the credit is applied to the Program Card Account.

For additional information and instructions on how to redeem Scotia Rewards Points for Credit, including if any minimum redemption amounts are required, please visit scotiarewards.com.

H. Points Status when Switching Cards

If you switch (transfer) your Program Card to a Scotiabank Credit Card that does not offer the Scotia Rewards Program, your Scotia Rewards points will not transfer over to your new Scotiabank Credit Card. In that case, you may redeem any unused Scotia Rewards points for merchandise within 60 days of the switch, provided your Program Card Account and the other Scotiabank credit account are in good standing². After 60 days, unredeemed points will be permanently cancelled.

I. Cancelled, Lost or Stolen Program Cards

J. Changes to this Program

The amount of points earned or redeemed through the Program;
The value of points;
What you can or cannot redeem points for;
When you can transfer points and to whom;
The length of time available to redeem points; or
Any fees or charges that apply to this Program including booking fees.

K. General Program Terms

Good Standing: If the Program Card Account is not in good standing, Scotia Rewards points are not eligible for redemption and the Account will not earn points.

Canadian $: All amounts referred to are in Canadian dollars unless otherwise noted.

L. Disclaimers

^®* Registered trademark of The Bank of Nova Scotia.

^® American Express is a registered trademark of American Express. This credit card program is issued and administered by The Bank of Nova Scotia under license from American Express.

All brand names are the property of their respective owners.

¹ Concierge Assistance Services for Scotiabank Platinum American Express and for Scotiabank Gold American Express Cardmembers is provided by our third party provider Hogg Robinson Canada Inc.

² A Program Card Account and associated Program Card(s) is in good standing if the Account is not delinquent (past due) or over limit and the Cardmember(s) is not in breach of the Revolving Credit Agreement that applies to the Program Card Account. If the account is not in good standing, the accumulated Scotia Rewards points are not eligible for redemption.

³ Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC) and/or American Bankers Life Assurance Company of Florida (ABLAC). Travel Emergency Medical Insurance is underwritten by ABLAC, except for travel in Cuba which is underwritten by Zurich Insurance Company Ltd. Price Protection Service is a service provided by ABIC. The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the respective insurers. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance provided with the card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents, and take it with you when you travel.

Scotia Rewards^® Program – Terms & Conditions for Passport ScotiaCard Cardmembers

These are the terms and conditions for the Scotia Rewards^® program (the “Program”) that apply to the Passport ScotiaCard (the “Program Card” or “Card”). All dollar amounts are in Canadian dollars unless otherwise noted.

Other Definitions that you should know:

Cardmember, Scotia Rewards Cardmember, you, and your: The individual holder of a Program Card.

Program Site: The website where you can access the Program (currently located at scotiarewards.com).

Scotia Rewards Account: The Scotia Rewards account that is associated with your Card.

A. Participation Requirements and Use of Personal Information

The Program is automatically available to individuals 14 years of age and older who are holders of the Program Card and the Scotiabank accounts associated with the Program Card set out below (each, a “Program Card Account” or “Account”):

Ultimate Package, Preferred Package, Basic Plus Bank Account, Basic Banking Account, Student Banking Advantage Plan, Getting There Savings Program for Youth.

Excludes: any account requiring multiple signatures.

To earn Scotia Rewards points using your Card, it must be connected to your Account(s). The Program is offered at no extra cost and with no additional application or enrollment requirements.

As a Scotia Rewards Cardmember, you can receive communications with updates and special offers related to the Program by signing up at the Program Site or by other methods that we make available from time to time.

As a customer of Scotiabank and a Scotia Rewards Cardmember, the Scotiabank Privacy Agreement protects your privacy and your personal information.

B. Earning Scotia Rewards Points

1. General

You are awarded one (1) Scotia Rewards point (or “point”) for every $5.00 in purchases of goods and services made with a Program Card from a Program Card Account, provided that each such purchase is for a minimum of $2.50.^†

Scotia Rewards points you earn will be added to your Scotia Rewards Account within 2-3 business days after the purchase transaction has been posted to the Program Card Account. In the event of a return and/or exchange for which Scotia Reward points were allocated, Scotia Rewards points will be deducted automatically from the Scotia Rewards Account. Your Scotia Rewards points balance will be reduced by the equivalent number of Scotia Rewards points issued for the returned or exchanged items on the original transaction. Scotia Rewards points will not be added to a Scotia Rewards Account that is not open at the time of posting.

2. One-time Passport ScotiaCard offer for new customer accounts

Eligibility and Exclusions: Individuals who are currently holders of a Scotiabank Chequing Account are not eligible for the $350 or $300 cash offers (each an “Offer”, collectively the “Offers”).

Individuals who were previously holders of a Scotiabank Chequing Account within the last two (2) years are not eligible for the $350 or $300 cash offers.

“Scotiabank Chequing Account” means any of the following accounts: Ultimate Package, Preferred Package, Scotia One Account, Basic Plus Bank Account, Basic Banking Plan, Basic Bank Account, Momentum Chequing, Power Chequing, Scotia One Service, Scotia Value, Student Banking Advantage Plan.

Employees of Scotiabank are not eligible for the Offers.

Offer Description and Conditions: To qualify for the Offers, you must:

Open a new Ultimate Package (eligible for the $350 Offer) or new Preferred Package (eligible for the $300 Offer), each an “Eligible Account”, by December 30, 2019; and
Complete two (2) of the following three (3) activities in your Eligible Account within 60 days of opening:

Set up an eligible recurring direct deposit (e.g., employer payroll, pension provider, or government) which will recur monthly for a minimum of three (3) consecutive months, or
Set up a minimum of two (2) eligible separate recurring pre-authorized transactions (e.g., utility payments, property taxes, loan/mortgage payments) with a minimum value of at least $50 per transaction which will each recur monthly for a minimum of three (3) consecutive months, or
Make at least one eligible online bill payment (e.g. utility bill, hydro bill, credit card payment, cable) of at least $50 through the Scotiabank Mobile App or through Scotia OnLine.

Scotiabank reserves the right to determine whether a specific recurring direct deposit, pre-authorized transaction or bill payment is eligible for the Offers.

The $350 or $300 cash bonus, as applicable, will be paid into the primary account holder’s Eligible Account within two (2) months following the satisfaction of the conditions outlined above. The Eligible Account must be open and in good standing until the time of payout of the cash bonus. The Eligible Account is not in "good standing" if:

It has a negative balance exceeding the authorized overdraft limit, or
If it has been in continuous overdraft for a period of three (3) consecutive months.

These Offers are non-transferable and may not be duplicated. Limit of one (1) Offer per customer, regardless of the number of Eligible Accounts opened. If more than one (1) Eligible Account is opened, the Offer awarded will be based on the first Eligible Account opened. For joint accounts, only one (1) cash bonus will be applied to the primary account holder’s Eligible Account. All rates, fees, features and benefits are subject to change. Offers may be changed, cancelled or extended at any time and cannot be combined with any other offers.

3. Checking your Points Balance

Scotia Rewards Account information is available to the Cardmember by logging into Scotia Online or the Program Site where points balances are updated daily.

C. Transferring Points

1. When Points can be Transferred

Scotia Rewards points are non-transferable. However, you may transfer any accumulated Scotia Rewards points from your Scotia Rewards Account to a Scotia Rewards Account associated with a Scotiabank credit card.

Scotia Rewards Cardmembers can visit the Program Site to complete a transfer of Scotia Rewards points. If you have any questions, please contact the Scotia Rewards Centre at the Program Site or by calling 1-800-665-2582.

D. Non-Travel Rewards

1. General

Scotia Rewards points can be redeemed for non-travel rewards on the Program Site. Non-travel rewards include items such as merchandise, gift cards and Scotiabank Prepaid Cards. You may redeem for Non-Travel Rewards, redeeming Scotia Rewards points only or redeeming Scotia Rewards points plus charging the balance with your Program Card on selected merchandise. Cardmembers who redeem Scotia Rewards points are responsible for any taxes associated with their redemption and if applicable, must declare the value of those redemptions to appropriate tax authorities.

2. Gift Cards

When redeeming Scotia Rewards points for a Gift Card, remember that the terms and conditions that apply to that Gift Card are set by the issuer of the Gift Card, not Scotiabank. Please review specific terms and conditions carefully upon receipt of your Gift Card.

3. Other Terms

Non-Travel Rewards are sent by pre-paid delivery service during normal business hours and it may be necessary for you to make appropriate arrangements for receipt.
Every attempt is made to deliver the order as quickly as possible. However, Scotiabank is not responsible for delays due to a union dispute, postal disruption or any other reason.
Where applicable, merchandise Non-Travel Rewards are delivered with the Manufacturer Warranties and Service Policies/Warranties.
Retain all documents for your records.
If the item arrives damaged or is missing pieces, please contact the Scotia Rewards Centre immediately at the Program site or by calling 1-800-665-2582.
For other information about Non-Travel Rewards, including information about how to cancel or return Non-Travel Rewards, please visit the Program Site.

E. Travel Purchases through the Scotia Rewards Travel Service

1. Booking Travel through the Scotia Rewards Travel Service

You can purchase travel through the Scotia Rewards Travel Service in two ways:

Sign on to the Scotia Rewards Program Site to book your purchase online; or
call the Scotia Rewards Travel Service at 1-800-665-2582 and speak with a Travel Consultant. Remember: If you book travel by phone, a booking fee will be charged by the Scotia Rewards Travel Service (disclosed to you at the time of booking or by visiting the Program Site) for that travel purchase. This fee can be paid with points, or with a Scotia Rewards Credit Card. Booking fee is subject to change.

The Scotia Rewards Travel Service is provided by a licensed third party travel agent, Hogg Robinson Canada Inc. (“HRG”).

2. Other Information about Travel Purchases through the Scotia Rewards Travel Service

Points Only: To make a travel purchase through the Scotia Rewards Travel Service, you must redeem Scotia Rewards points for the entire amount of the travel purchase, sometimes referred to as “Points Only”.

Minimum Redemption: The minimum point redemption is 5,000 points (which is equivalent to $50 in travel savings) each time a redemption towards a travel purchase is made through the Scotia Rewards Travel Service.

Availability / Pricing: All travel rewards listed in the Scotia Rewards catalogue, the Program Site or any other brochure or notice made available to you, are subject to availability by the travel supplier, hotel or any other applicable supplier. The Scotia Rewards Travel Service does not commit to price matching other than the Best Price Guarantee program.

Travel Confirmations: All correspondence and travel documents/itinerary provided by Scotia Rewards Travel Service will be sent to the Cardmember’s address or email appearing in our records at Scotia Rewards Travel Service or to the address instructed by the Cardmember. We are not responsible for any failure to receive these travel documents if we send them to the address appearing in our records at the Scotia Rewards Travel Service or the instructions we receive from the Cardmember.

Travel Cancellation: If you wish to cancel your travel booking before your travel departure date, or any portion of it, made through the Scotia Rewards Travel Service, we will attempt to assist you but you agree that any cancellation is subject to the terms and conditions of the third party travel supplier that is providing that travel purchase and the terms of the travel purchase itself. In some cases, this means that for non-refundable tickets, cancellations are not allowed or are subject to cancellation fees. Cancellation fees can be paid with points or with a Scotiabank credit card connected to the Scotia Rewards program.

Point redemptions for travel purchases are final. However, if you are able to cancel a travel purchase for which you redeemed Scotia Rewards points, we will credit your Scotia Rewards Account for the points redeemed at the value they were redeemed at.

F. Post Purchase Travel Redemption

You can purchase eligible travel or related travel expenses at a travel provider other than the Scotia Rewards Travel Service (e.g., other travel agencies, tour operators and online travel websites) (the “Other Travel Suppliers”). These types of purchases at Other Travel Suppliers are called “Post Purchase Travel Redemptions” (also referred to as “Apply Points to Travel”).

Scotia Rewards points are redeemable toward Post Purchase Travel Redemptions you have previously made using your Program Card. To redeem Scotia Rewards points toward a Post Purchase Travel Redemption at Other Travel Suppliers, the purchase must first appear on the Program Card Account. Scotia Rewards Cardmembers can then redeem points towards the amount of the Post Purchase Travel Redemption, charged to the Program Account, by visiting the Program Site or by calling 1-800-665-2582.

The Post Purchase Travel Redemption must be debited to your Program Card Account and recognized by our systems with the Merchant Category Codes or identifiers: airlines & air carriers, airports, flying fields, and airport terminals; lodgings, hotels, motels and resorts, trailer parks and campgrounds; passenger railways, bus lines, steamship and cruise lines; travel agencies and tour operators, automobile rental agency, motor home and recreational vehicle rentals. These Merchant codes/identifiers and categories are subject to change.

The Post Purchase Travel Redemption can include related taxes, booking fees, airport fees and travel insurance premiums.

You must redeem Scotia Rewards points within 12 months from the date that the Post Purchase Travel Redemption was posted to the Program Card Account. It may take up to 2-3 business days for the points redeemed towards a Post Purchase Travel Redemption to appear as a deposit on your Program Card Account. Points redeemed cannot be reversed once posted to the Program Card Account. To redeem Scotia Rewards points towards your Post Purchase Travel Redemption, the Program Card Account must be open.

The value of the points redeemed cannot exceed the amount of the Post Purchase Travel Redemption charged to your Program Card Account.

The minimum point redemption towards a Post Purchase Travel Redemption is 5,000 points.

G. Redeem Points for Cash

A Scotia Rewards Cardmember can redeem points online through the Program Site for cash that will be deposited to the Program Card Account.

Your Program Card Account must be open at the time the deposit is made to the Program Card Account.

It may take up to 2-3 business days, following a request to redeem points for cash, for the deposit to appear on the Program Card Account. Once the request to redeem Scotia Rewards points for cash has been submitted, you cannot cancel the request and no changes can be made.

For additional information and instructions on how to redeem Scotia Rewards points for cash, including if any minimum redemption amounts are required, please visit the Program Site.

H. Points Status when Switching Cards

If you switch your Program Card to another type of debit card, you can (i) transfer your points to the Scotia Rewards Account associated with your Scotiabank credit card, as long as both accounts are in good standing, or (ii) redeem any unused Scotia Rewards points, subject to the conditions set out in Section I below.

I. Closed Program Card Accounts

If you close a Program Card Account or cancel a Program Card:

any unredeemed Scotia Rewards points associated with the applicable Program Card can be redeemed within 60 days of closing the Account, after which time the unredeemed Scotia Rewards points will be permanently cancelled; and
you will not be able to redeem any Scotia Rewards points for a Post Purchase Travel Redemption or for Credit redemption.

If Scotiabank initiates the closure of a Program Card Account or cancellation of a Program Card, your Scotia Rewards points cannot be redeemed and will be immediately cancelled.

J. Cancelled, Lost or Stolen Program Cards

Program Cards are not eligible to earn Scotia Rewards points after their cancellation date. If your Program Card is lost or stolen, we will replace that Program Card and transfer your points to a new Scotia Rewards Account opened in your name for the replacement card. In the event your Program Card is lost, stolen or damaged, you must immediately notify your Scotiabank branch or call 1-800-4SCOTIA (1-800-472-6842).

K. Changes to this Program

Scotiabank reserves the right to modify, terminate, suspend or extend or otherwise alter all or any of the terms and conditions of the Scotia Rewards program, upon 30 days’ notice, including the following:

The amount of points earned or redeemed through the Program;
The value of points;
What you can or cannot redeem points for;
When you can transfer points and to whom;
The length of time available to redeem points; or
Any fees or charges that apply to this Program including booking fees.

In the event we terminate this Program, the Cardmember will be notified and can redeem any unused points within 60 days after the Program’s termination date, provided their Program Account(s) is open.

L. Disclaimers

Scotiabank and any of the third party service providers that are retained by Scotiabank to assist us in providing the Scotia Rewards Program, including HRG (each a “Program Provider”) are not liable or responsible for any damages, injuries or disabilities that occur, including during travel redeemed through the Program, while using any rewards redeemed through the Program or for any cash back under the Program.

Scotiabank and its Program Providers, their affiliates, employees, agents or contractors are not liable or responsible for any damages or losses, including without limitation indirect, consequential, special, incidental or punitive damages resulting from or caused by the fulfillment or non-fulfillment of services (including rewards) under this Program. Scotiabank and its Program Providers are not responsible for any purchases or other goods and services provided by third parties including Other Travel Providers.

While we will try to satisfy Cardmembers with an equivalent replacement or an adjustment of points, Scotiabank and its Program Providers will not assume any costs related to the failure of suppliers to deliver the rewards.

Your Passport ScotiaCard is subject to the terms of the ScotiaCard Cardholder Agreement that you received with your Program Card and is also available at scotiabank.com. It includes terms about settling disputes directly with a merchant.

^® Registered trademarks of The Bank of Nova Scotia.

^TM Trademark of The Bank of Nova Scotia.

^† Maximum points that can be earned per transaction is 300. Maximum daily points that can be earned is 600.

All brand names are the property of their respective owners.

Scotia Rewards Program Terms and Conditions - Conversion

These Points Conversion Feature - Terms and Conditions (the “Terms”) apply to your Scotiabank credit card account or debit account (including associated credit or debit cards for each account) that earns Scotia Rewards points (also referred to as a “Program Card Account” and each card associated with the Program Card Account referred to as a “Program Card”) and your SCENE points and SCENE membership including the SCENE program terms and conditions (the “SCENE Program”).

These Terms are in addition to and supplement the terms and conditions that apply to your Scotia Rewards program (at scotiarewards.com) and SCENE program (at scene.ca). You should review your program terms and conditions before each points conversion under these Terms.

You agree that each time you submit a request to convert Scotia Rewards points to/from SCENE points, you are agreeing to these Terms.

Conversion of Scotia Rewards points to/from SCENE points: The Bank of Nova Scotia (also referred to as “Scotiabank”) and SCENE LP (collectively, “we” or “our” or “us” ) may permit you to convert Scotia Rewards points earned or associated with a Program Card Account to SCENE points or convert SCENE points to Scotia Rewards points, and those points will be applied to the Scotia Rewards or SCENE Account, as the case may be, that you designate for such conversion, subject to the conditions and restrictions set out in these Terms.

There is a maximum of four conversions permitted in a 24 hours period, either from or to your Scotia Rewards Accounts or SCENE Account, as applicable, unless we allow you an exception to that maximum number of conversions in our sole discretion.

We may also prohibit the conversion of Scotia Rewards or SCENE points, or further limit the number of Scotia Rewards or SCENE points that may be converted, including the number of points required for any conversion, all in our sole discretion.

Rates that Apply to Conversions: The rate of conversion of Scotia Rewards points to/from SCENE points in each case will be determined by us, Scotiabank for Scotia Rewards points and SCENE LP, for SCENE points, each in our sole discretion. We may modify the rate of conversion at any time in our sole discretion. Visit scotiarewards.com to see the current rates of conversion that apply to points at the time you request your conversion.

Requirements to Convert Points:

To convert Scotia Rewards or SCENE points under these Terms:

the Program Card Account associated with those Scotia Rewards points and the SCENE Account associated with those SCENE points must be in good standing under your Scotia Rewards program terms and conditions and under the SCENE program terms and conditions,
the individual in whose SCENE Account you want to convert your Scotia Rewards points must be a member the SCENE program and have a valid SCENE Account,
the Program Card Account must be in good standing under the Scotia Rewards program terms and conditions,
you must have the minimum number of Scotia Rewards or SCENE points, as the case may be, required for conversion to/from SCENE points that are set at the time that you request the conversion; and
you must be able to successfully log-in to both the Scotia Rewards Account and SCENE points Account at the time of the transaction.

Timing: The conversion of Scotia Rewards points into SCENE points and/or the conversion of SCENE points into Scotia Rewards points will occur in real time and will appear in your Scotia Rewards Account or SCENE Account, as applicable.

Conversion of Scotia Rewards points or SCENE points once submitted is final and may not be reversed or cancelled.

Conversion is a Redemption: A conversion of Scotia Rewards points under these Terms is the same as redeeming Scotia Rewards points under the Scotia Rewards program terms and conditions.

Changing or modifying the terms and conditions of this Points Conversion Feature: We reserve the right to terminate, change, or modify these Terms, including the requirements for conversions and the rates that apply to conversions. We will provide you with any notice required to make such changes as required by law and as required by the Scotia Rewards program or SCENE points program.

Non-Travel Rewards - Apple and Best Buy Terms & Conditions

The terms and conditions below apply when merchandise is redeemed from a retailer (each called a store) through the Scotia Rewards^® Program.

All rewards are delivered to Canadian street addresses only. Rewards will not be delivered to a P.O. Box, U.S. address or International address.

Other Definitions that you should know:

“Store” – Direct online retailer (such as Apple or Best Buy) where Cardmember can redeem merchandise through the Scotia Rewards^® Program.

“Apple” – Apple, Inc.

“Apple Store^‡” – Any Apple store in Canada.

“Best Buy” – Best Buy Canada Ltd.

A. Replacements

General Rules:

Items redeemed from the Apple and/or Best Buy Catalogue are not eligible for returns and a refund of your Scotia Rewards points and/or a credit to your Program Card. If you have received an incorrect or defective item, you can contact the Scotia Rewards Centre by calling 1-800-665-2582 to initiate the replacement process for the same item.

It is important to inspect the delivered item(s) upon receipt to ensure correct item(s) delivered, and for any apparent damage or missing parts.

Within thirty (30) days of receipt of delivery of items from Best Buy Canada, and within fifteen (15) days of receipt of delivery of items from Apple, Inc.:

If you have received an incorrect or defective item, you can contact the Scotia Rewards Centre to initiate a replacement for the same item.
In the event that you have received an incorrect or defective item, and a replacement for the same item is not available, then a refund of your Scotia Rewards points and/or credit to your Program Card used for the redemption will be applied.
Shipping, handling and restocking fees may apply. These fees will be deducted from the amount of the Scotia Rewards points returned and/or credit applied to your Program Card.

After thirty (30) days of receipt of delivery of items from Best Buy Canada, and after fifteen (15) days of receipt of delivery of items from Apple, Inc.:

No replacement or a refund of your Scotia Rewards points and/or credit to your Program Card will be permitted.

Returning Merchandise for a Replacement:

To initiate the replacement process due to incorrect or defective item delivered, please contact the Scotia Rewards Centre by calling 1-800-665-2582 during regular business hours. You will need either your order confirmation notice or shipping confirmation notice available to provide relevant information which includes your order number, item number, and item name. You will need to indicate at this time that you require a replacement due to incorrect or defective item. Providing all the requested information will help to expedite your replacement request.
After contacting the Scotia Rewards Centre to initiate the replacement process, a return shipping label will be emailed to you.
For all replacements, the return shipping labels must be used within the time frame designated (usually ten (10) calendar days); once the label expires the item is no longer eligible for replacement.
Each return shipping label is coded for a specific shipment and specific items; please do not include items from other orders, or other items from the same order, in the same box, or you will not receive the correct replacement.
For large items (i.e. refrigerators, large televisions, etc.) which require a scheduled delivery or other items that require a pick up by a freight carrier, a reference number assigned to that item will be provided by email once available. Additionally, a contact phone number will be included in the email to you for use in contacting the freight carrier to arrange for a local pick-up on an agreed upon date and time range.
Return shipping labels, and freight carrier pickups are valid only for replacement of items originally shipped to addresses in Canada.
Eligible Scotia Rewards points will be deposited back into your Scotia Rewards Account and/or a credit will be applied to the Program Card used for the redemption within approximately four (4) weeks of the merchandise being received and approved by the supplier; and confirmed by the Scotia Rewards Centre. An email notification will be sent to you once the refund of the Scotia Rewards points have been deposited into the Scotia Rewards Account and/or a credit to the Program Card.

Exclusions for Replacement:

The following items are ineligible for a replacement:

Hazardous items that are gas-powered or contain flammable liquids
Any product missing the serial number or Universal Product Code (UPC)
Gourmet gift baskets
Opened Memory (i.e. Digital Memory, Memory Card, Hard Drive, USB Flash Drives, etc.)
Electronic Software/Digital Downloads
Print Products (i.e. Books, Magazines, Copyright Materials, etc.)
Software Up-to-Date Program Products (software updates)
Apple Developer Products (i.e. Membership, technical support incidents, WWDC tickets, etc.)
Opened Software

Product Specific Replacements from the Best Buy and/or Apple Catalogue:

The following table outlines the replacement policy for items in product lines with special restrictions or replacement policies.

Item(s) redeemed from the Best Buy Catalogue

Books Computer Games DVDs Electronics Music Videos Video Games Software	For replacement, these items must be unopened and still in their plastic wrap unless the item is damaged or defective upon opening of the item’s packaging.
Large Screen TV delivered by freight carrier	Inspect your television carefully for damage while the carrier is still present. If you discover any damage, please refuse delivery and the carrier will remove the television and you will receive a replacement for the same item. Do not sign the carrier’s release form unless you have inspected the television for damages. All cabling or additional installation is your responsibility. Your signature on the carrier’s delivery receipt acknowledges that you understand the replacement policy. If you accept delivery and later find out that the television is not working properly, please review package enclosures to see if the problem is covered by a manufacturer’s in-home service warranty. If you are unable to locate warranty information for a particular model, contact the manufacturer.
Outdoor Living Tools & Hardware Kitchen	For replacement, these items must be unopened and still in their original packaging, unless the item is damaged or defective upon your opening of the item’s packaging. For safety reasons, items that use flammable liquids or gases cannot be replaced. Please contact the manufacturer directly for service, warranty, return, and refund information.
Apparel	For replacement, these items must be unopened and still in their original packaging, unless the item is damaged or defective upon your opening of the item’s packaging. It must be in its original condition with all tags and packaging intact.
Health & Personal Care	For replacement, these items must be unopened and in new condition.
Computers	Computers may not be replaced more than fourteen (14) days from the date of delivery in the event of a damaged item.

Item(s) redeemed from the Apple Catalogue

Apple Products

Returns for Apple products are not allowed. In the event that a delivered item is damaged, you can coordinate to receive a replacement for the same item within fifteen (15) days of receipt of the original delivery of item(s).

You can buy AppleCare Protection Plan or AppleCare in Apple Stores only within sixty (60) days of your device purchase for your new product.

If you are having trouble with your new Apple product, please visit Apple’s Website, Apple Store or contact AppleCare Technical Support before attempting a replacement.

Wireless carriers have different service cancellation policies. Returning your iPhone or iPad may not automatically cancel or reset your wireless account; you are responsible for your wireless service agreement and for any applicable fees associated with your wireless account. Please contact your service provider for more information.

If you choose to contact the merchant directly for replacement (for all shipped items) instead of the Scotia Rewards Centre:

The Scotia Rewards Centre will not be able to provide the necessary assistance and/or support for your replacement(s)
Refund of the Scotia Rewards points and/or a credit to the Program Card used for the redemption will not be available when dealing with the merchant directly.

Coordinating your replacement through the Scotia Rewards Centre provides a traceable method for replacing damaged, defective or incorrect items. If you choose to work directly with the merchant, it is recommended that you use a traceable courier service provider and insure any items exceeding $500 in value. Shipping costs including insurance will be at your expense.

B. Backordered Items

The catalogue within the Scotia Rewards store is a "live" catalogue which means items come in and out of stock in real time. When an item is shown on the online catalogue, it is in fact available at that time, but by the time the order is placed with the supplier, it may be out of stock. It is impossible to confirm in advance if or when an item will become out of stock as it is a “live” catalogue. Items which are no longer available or on back order for more than twenty-one (21) days may be cancelled due to unavailability; a full refund of the Scotia Rewards points and/or a credit to the Program Card used for the redemption will be processed for the cancelled item(s).

C. Order Cancellations

An order may be cancelled for a full refund only before the item is shipped, or is being prepared for shipment. This cancellation must be initiated through the Scotia Rewards Centre during regular business hours. Once an order is cancelled, an email notification will be sent to you and full Scotia Rewards points will be restored and/or a credit will be processed on the Program Card used for the redemption.

D. Best Buy Only: In-Store Ordering and Pick Up

General Rules:

The catalogue(s) allows you to search for all items in the catalogue(s), as well as identify items that are available for the Reserve for Pick Up (RPU) option.
If a RPU option for an item is available, you can pick up the item in-store, if desired. If a RPU option is not available, that item must be shipped to an address you have provided in the ordering process.
If the order is placed, and you have selected to utilize the RPU option, the order cannot be modified and shipped to an address on the order.
Store availability will be based upon the item(s) selected and the Best Buy stores within an 80 km radius of the location supplied. Best Buy stores used for RPU search availability are based upon a postal code or the city and province provided in the search process. A maximum of six (6) Best Buy stores with availability will be displayed.
Upon completion of the checkout process, an order placement confirmation email will be sent to the email address you have provided on the order. It is important to understand this does not mean the item is ready for pick up.
The order is then sent to the selected Best Buy store and processed for fulfillment. If there is an issue at the selected Best Buy store with inventory of the item(s) in the order, you will receive a follow-up email notifying you the order cannot be processed due to the item no longer being available. Sometimes the selected Best Buy store’s inventory is depleted from the time order is placed and when the order is processed for fulfillment by the selected Best Buy store.
Once the order is ready for pick up, an email will be sent to the email address provided on the order, notifying you that the order is ready for pick up at the selected Best Buy store. An e-Gift Certificate for the total amount required to purchase the item(s) in your order will be emailed to you. You must present the e-Gift Certificate when you pick up your item(s) at the selected Best Buy store. You can present a paper copy of the e-Gift Certificate or you can decide to show it to the Best Buy specialist via your mobile device.
Only the person listed on the order can pick up the order. This person must present the e-Gift Certificate at time of pick up. The e-Gift Certificate will contain the order number needed to identify your individual order. The person will also need a government issued photo ID that matches the name as listed on the order and listed on the e-Gift Certificate email. If this person does not have this information, the order cannot be picked up from the selected Best Buy store.
Typically, the item(s) are ready for pick up from the selected Best Buy store within one (1) hour of the order being placed and receipt of the order confirmation email. However, some items may take longer to process at the selected Best Buy store, especially during busy seasonal business operations.
Upon entering the selected Best Buy store to pick up the order, please proceed to the area identified by the Reserve and Pick Up sign. If this cannot be identified easily, please ask a Best Buy specialist for directions to this area to retrieve the order.
The item(s) that you reserved will be held and available for pick up at the selected Best Buy store for a 24 hour time period, after the order has been processed by the Best Buy store and upon sending the e-Gift Certificate email notification. If the order is not picked up within this period, the item(s) is no longer reserved. If the person is picking up after the 24 hour time period has elapsed, and the item(s) is still in the selected Best Buy store, you can still utilize the e-Gift Certificate for the item(s). You may also utilize your e-Gift Certificate for any other item(s) in the Best Buy store or retain it and use it for a future purchase as the e-Gift Certificate does not expire.
Upon picking up the order, the Best Buy specialist will provide a store receipt for this order. It is important to keep this store receipt in the event you need to return/exchange an item to the Best Buy store. Returns/exchanges will not be processed without this receipt.

Returns, Replacements and Exchanges at Best Buy Stores:

It is important to inspect the item(s) redeemed from the Best Buy store via Reserve for Pick Up option. In the event the item is defective or is missing parts post Pick Up at the Best Buy store, you will need to return the item at the Best Buy store where the item was originally picked up.
You must bring the store receipt you received when the item was picked up and your government issued photo ID. You must include all original packing materials, manuals, and accessories, or the item may be denied for return, replacement or exchange.
A re-stocking fee may be applied for open items in some product categories. A return may also result in an in-store credit. The in-store credit is at the individual Best Buy store’s discretion and must be initiated by the individual returning the item. For all in-store credits, no Scotia Rewards points will be refunded and/or a credit will not be made to the Program Card if used for the redemption.
Additional funds may be requested from you if you decide to exchange your item for a higher priced item in-store. These funds will need to be supplied by the person exchanging the item, and will not be provided by the Scotia Rewards Program. Once an item is exchanged, you may not be eligible to return the exchanged item for a refund of the Scotia Rewards points and/or a credit to the Program Card if used for the redemption. However, you may receive an in-store credit or gift card if the exchanged item is returned in-store.

E. Customer Support

If you have additional questions, please contact the Scotia Rewards Centre by calling 1-800-665-2582 or visit the FAQ page.

^® Registered Trademark of The Bank of Nova Scotia.

^‡ All other trademarks are the property of their respective owner(s).

Other Non-Travel Rewards - Terms & Conditions

The terms and conditions below apply when Other Non-Travel Rewards are redeemed through the Scotia Rewards^® Program.

Points accumulated on an account that is not in good standing¹ will not be eligible for redemption.

A. Rewards Availability

All reward items shown in the Scotia Rewards Catalogue are subject to availability. If the ordered item has been discontinued, a similar item of equal value will be substituted whenever possible. If a suitable substitution is not available, the Scotia Rewards points used will be credited back to the appropriate Program Card account, and you will be contacted and advised to make another selection. If an item is temporarily out of stock, you will be notified and advised of the anticipated delivery date. The items received may not be exactly as illustrated in the Catalogue or website, due to the fact that manufacturers sometimes change models or the displayed articles are in limited quantities.

B. Delivery of Non-Travel Rewards

Allow 4 to 6 weeks for delivery. All rewards are delivered to Canadian street addresses only. Rewards will not be delivered to a P.O. Box, U.S. address or International address. The Bank and the Scotia Rewards Centre are not responsible for any merchandise or Gift Cards that are lost or stolen after delivery.

Merchandise

Merchandise items will be sent via pre-paid delivery to the address you specify with your order. Please note we do not ship to P.O. Boxes. It may be necessary for you to make appropriate arrangements for receipt. You can track your reward shipment online through the Shipping Tracking Number when you log on to scotiarewards.com and select your Order History. Every attempt will be made to deliver the order as quickly as possible. However, we are not responsible for delays due to a union dispute, postal disruption or any other valid reason. Where applicable, merchandise rewards are delivered with the Manufacturer Warranties and Service Policies. Retain all documents for your records. In the event that the item ordered arrives damaged or is missing pieces, please contact the Scotia Rewards Centre immediately at 1-800-665-2582. Items will be replaced without charge, if reported to the Scotia Rewards Centre within 48 business hours of receipt. It is important to inspect the delivered parcel upon receipt for any apparent damage, and to save the packing materials for inspection and possible return. If the package is damaged, note the damage on the delivery receipt before you sign for the merchandise. If damage to the ordered item is noticed after opening the packing materials, or if missing parts are noticed, immediately call the Scotia Rewards Centre before you take any action and they will provide instructions for returning the item.

C. Cancellations

You may cancel your order on the Scotia Rewards website, as long as your order is “Pending”. To cancel a pending order:

Log on to the Scotia Rewards website (scotiarewards.com);
Go to your “Order History”;
Browse through your orders to identify the order you wish to cancel;
Click on the trash can icon to cancel your order. If the trash can does not appear, it means that your order has been sent for fulfillment and cannot be cancelled.

D. Return policy for other non-travel rewards

MERCHANDISE

If you are not completely satisfied with the item you ordered, you have 30 days (10 days for jewelry) from receipt of the item to request a return by contacting the Scotia Rewards Centre for return instructions, prior to returning the item and to ensure you will receive full credit of your Scotia Rewards points to your Program Card Account.

When you receive your shipment, please ensure you immediately inspect that the item(s) did not arrive damaged, and please retain all original packaging and warranties. If damaged, please notify the Scotia Rewards Centre within 2 business days at 1-800-665-2582. Damage/defects identified after use are subject to the manufacturer’s warranty – please check the warranty card enclosed for instructions.

Once your return is authorized, the Scotia Rewards Centre will send you an email with a return shipping label so that you can return your item. Upon receiving a return shipping label, you must promptly return the merchandise. If the return is not processed within 10 days, no credit will be applied against the order. The item must be returned in original condition, it must not be used, tampered with, must include all pieces/parts and warranty materials and must be returned in its original packaging.

Non-Refundable Items

Due to hygienic and safety reasons, the following items/categories are non-returnable:
- Personal care items that include, but not limited to, hair straighteners, shavers, toothbrushes, and hairbrushes
- Bedding
- Apparel and Jewellery
The following products/brands are not eligible for returns:
- Le Creuset
- KitchenAid
- Heys
- Apple
- Links of London
- Bose
- Hamilton Beach
However, if the item is found damaged when received, please notify the Scotia Rewards Centre within 2 business days at 1-800-665-2582 and you will be provided with contact information to have the item repaired or exchanged. Upon receipt of the return instructions by telephone, you must ship the merchandise back in original condition and in its original packing along with warranty materials to the Scotia Rewards Centre within 10 days.
Missing Pieces

If the item is missing pieces, please notify the Scotia Rewards Centre within 2 business days at 1-800-665-2582. If missing pieces are confirmed to be included as part of the merchandise, the missing piece will be sent to you within 5 - 10 business days via courier. If additional information regarding this item is required, please contact the Scotia Rewards Centre at 1-800-665-2582 and additional specs or manufacturer links will be provided to you upon request.

ELECTRONICS and AUDIO-VISUAL EQUIPMENT

If you are not completely satisfied with the item you ordered, you have 30 days from receipt of the item to request a return by contacting the Scotia Rewards Centre for return instructions, prior to returning the item and to ensure you will receive full credit of your Scotia Rewards points to your Program Card Account.

When you receive your shipment, please ensure you immediately inspect that the item(s) did not arrive damaged, and please retain all original packaging and warranties. If damaged please notify the Scotia Rewards Centre within 2 business days at 1-800-665-2582. Damage/defects identified after use are subject to the manufacturer’s warranty – please check the warranty card enclosed for instructions. For an authorized dealer in your area, please contact the Scotia Rewards Centre.

Once your return is authorized, the Scotia Rewards Centre will send you an email with a return shipping label so that you can return your item. Upon receiving a return label, you must promptly return the merchandise. If the return is not processed within 10 days, no credit will be applied against the order. Item must be returned in original condition, it must not be used, tampered with, must include all pieces/parts and warranty materials and must be returned in its original packaging.

Non-Refundable Electronics

Returns on electronic items will only be processed if the products are unopened and/or damaged. Based on the Personal Information Protection Electronics Act, electronic items which store data, such as, but not limited to mp3 players, cellular phones, laptops, cameras, and desktop computers are non-refundable. To confirm if your electronic item is eligible for a return, please contact the Scotia Rewards centre at 1-800-665-2582.

When you receive your shipment, please ensure you immediately inspect that the item(s) did not arrive damaged, and please retain all original packaging and warranties. If damaged, please notify the Scotia Rewards Centre within 2 business days at 1-800-665-2582 so you can be provided with contact information to have the item repaired. Damage/defects identified after use are subject to the manufacturer’s warranty – check the warranty card enclosed for instructions. For an authorized dealer in your area, please contact the Scotia Rewards Centre.
Missing Pieces

If the item is missing pieces, please notify the Scotia Rewards Centre within 2 business days at 1-800-665-2582. If missing pieces are confirmed to be included as part of the merchandise, the missing piece will be sent to you within 5 - 10 business days via courier. If additional information regarding this item is required, please contact the Scotia Rewards Centre at 1-800-665-2582 and additional specs or manufacturer links will be provided to you upon request.

GIFT CARDS

Gift Cards are non-refundable. The terms and conditions that apply to each Gift Card are defined by the respective issuer of the gift card, and not by Scotiabank. Scotiabank is not responsible for the gift cards made available to you by third parties under the Scotia Rewards Program. If additional information regarding this item is required, please contact Scotia Rewards Centre at 1-800-665-2582.

SCOTIABANK VISA PREPAID CARD

The Scotiabank VISA Prepaid Card is non-refundable. Please refer to the Scotiabank Visa Prepaid Cardholder Agreement. If additional information regarding this item is required, please contact Scotia Rewards Centre at 1-800-665-2582.

^® Registered trademark of The Bank of Nova Scotia.

¹ For Scotia Rewards Credit Cards: In order for the account to be in good standing, the account must not be delinquent or over limit and the Cardmember(s) must not be in breach of the Revolving Credit Agreement. If the account is not in good standing, the accumulated Scotia Rewards points are not eligible for redemption. For Passport ScotiaCard: The account is considered in good standing if your card and eligible deposit account is open. If the account is not in good standing, the accumulated Scotia Rewards points are not eligible for redemption.

Scotia Rewards Travel Service - Terms & Conditions

The Scotia Rewards Travel Service website (the "website") is owned and operated by Hogg Robinson Canada Inc. doing business as HRG North America (“HRG”). The Bank of Nova Scotia and its affiliates are not responsible for the Scotia Rewards Travel Service website or HRG’s terms and conditions below.

For the purposes of these terms & conditions, the term "you", “your”, “customer”, "passenger" and "cardholder" refer to each, any and all person(s) who request(s), receive(s) or purchase(s) travel and travel related services through the Scotia Rewards Travel Service or related travel benefits (the “travel services” or “Scotia Rewards Travel Service”) by or through HRG.

Please review the “Customer’s Responsibility” section below regarding the terms and conditions about Scotia Rewards Travel Service requests, purchases, arrangements and documents that will help ensure your travels go smoothly.

Acceptance of Terms & Conditions: The use of the Scotia Rewards Travel Service confirms your consent and acceptance, without modification, of the terms, conditions, and notices contained herein.

Eligibility: You must be at least the age of majority in your province/territory of residence to request, receive or purchase Scotia Rewards Travel Service and must be a resident of Canada. By using the Scotia Rewards Travel Service, you represent that you meet these eligibility requirements.

Travel Redemption

You may request, receive or purchase Scotia Rewards Travel Service in two ways:

1. Purchase Travel through the Scotia Rewards Travel Service: You can purchase travel through the Scotia Rewards Travel Service in two ways:

Sign onto the Scotia Rewards Program website to book and purchase your travel online through the Scotia Rewards Travel Service website; or
Call the Scotia Rewards Travel Service at 1-800-665-2582 and speak with a Travel Consultant to purchase travel services. PLEASE BE ADVISED: If you request and book travel services by phone, a booking fee (disclosed to you at the time of booking) will apply for that travel purchase. You may pay for this service fee using your Scotia Rewards points or with a Scotia Rewards credit card.

2. Redeeming Scotia Rewards points through Scotia Rewards Travel Service: You can redeem your Scotia Rewards points for a travel purchase through the Scotia Rewards Travel Service using the following options:

Redeeming Scotia Rewards points (”Points Only”) - This payment option allows you to redeem Scotia Rewards points for the entire amount of your travel purchase made through the Scotia Rewards Travel Service. This payment option is available on all Program Cards;
Scotia Rewards Credit Card customers: Redeeming Scotia Rewards points plus a charge to your Program Card - (“Points Plus Charge”). This payment option allows you to book travel through the Scotia Rewards Travel Service and the value of any Scotia Rewards points redeemed will be deducted from the total purchase with the difference in the amount of the travel purchase then charged to your Program Card. This payment option is only available to Scotia Rewards credit card customers; Passport ScotiaCard is excluded from this option.

Point Minimum: The minimum point redemption is 5,000 points (5,000 points is equivalent to $50 in travel savings) each time a redemption towards a travel purchase is made through the Scotia Rewards Travel Service.

Credit Card Payment: Your authorization to use your credit card further indicates your consent and acceptance of Scotia Rewards Travel Service Terms and Conditions, and those of the Airlines’/Tour Operators’/Cruise lines’ travel services you have purchased. By providing authorization to use your credit card to pay for travel services, you are confirming that you will pay the total amount charged according to your cardholder agreement. In addition, you agree not to dispute payment for the travel services you request and receive.

Please be advised, the billing address provided as part of the transaction must be the one associated with the credit card. If we are unable to validate the billing address, your booking will be cancelled with or without prior notice.

Currency: Prices displayed on the Scotia Rewards Travel Service website are in Canadian Dollars. However, cruise prices may be shown in US dollars or Canadian dollars as some supplier rates are quoted to HRG in U.S dollars or other currencies. The amount(s) listed on the invoice is converted into Canadian Dollars at the prevailing exchange rate of the date of invoice. Sometimes, payments processed at a later date to your Program Card may have a different exchange rate than the one calculated at the time of booking, which will be applied either by the supplier or Scotiabank. HRG is not responsible for currency fluctuations and foreign transaction fees, nor does it guarantee the Canadian equivalent of the purchase will be the same, as this is beyond our control.

Price Increases: For Ontario and Quebec residents, in accordance with travel regulations, where there is an increase of more than 7 per cent in the price of services after a deposit has been paid, and such price increase is not a result of an increase in government taxes or a fuel surcharge allowed by the Canadian Transportation Agency, the customer may cancel their booking provided you contact Scotia Rewards Travel Service by calling 1-800-665-2582 within 7 days of receipt of notice of the increase. Please refer to websites of the Travel Industry Council of Ontario or the Office de la protection du consommateur for further details.

Pricing or Point Value Errors: Scotia Rewards Travel Service obtains its prices from several systems from which it does not control. Occasionally, suppliers have an incorrect price for a flight, package, cruise, etc. If the price is incorrect, the tour operator or supplier has the right to cancel that booking at anytime and Scotia Rewards Travel Service has no control over these pricing errors. In the event of such an occurrence, you will be immediately notified by telephone, by a Scotia Rewards Travel Service representative to ensure that alternative arrangements can be made.

Price or Point Value Changes: Prices or point values displayed on the Scotia Rewards Travel’s Service’s website may change during the same session. This may be the result of an unavoidable delay between the third party service provider and the most current tour operator, airline, consolidator, or hotel price. If you leave the website, and return later, prices could change at your next visit to the website.

Refunds: No refund will be made for unused travel services or any unused portion of the services. Any changes to your booking are subject to the terms and conditions of the tour operator, airline, or cruise line as stated in their brochure or on their website. Cruise lines from time to time must change itineraries, skip ports of call or even substitute vessels for safety, weather, or other reasons. These events are beyond the control of HRG and the cruise lines and are not subject to compensation or refunds.

Booking Fees: If you choose to book travel by phone, please be advised that you will be charged a booking fee of $15 (plus applicable taxes) by the Scotia Rewards Travel Service. Fees are charged for each airline ticket, stand-alone hotel & car bookings, combinations of both, as well as on tour packages. You may pay for this service fee using your Scotia Rewards points or with a Scotia Rewards credit card. We’ll let you know of the amount of any service fee, if applicable, before you book. Fees do not apply to Scotiabank Platinum American Express Cardmembers using the Concierge Service.

Changes to a Booking: Any changes to a booking will be subject to a $50 (plus applicable taxes) administration fee, in addition to any supplier change fees accessed by the supplier (airline, hotel, car, tour operator, cruise company). Some suppliers do not permit changes to their product/services and failure to travel as booked for any reason will be subject to 100% cancellation penalty. You may pay for this service fee using your Scotia Rewards points or with a Scotia Rewards credit card. Fees do not apply to Scotiabank Platinum American Express Cardmembers using the Concierge Service.

Special Requests: If you make a special request for a room allocation, adjoining rooms, bed type, airline seating, etc. please be advised that these requests are not guaranteed, and HRG cannot be held responsible for requests that are not granted.

Programs and Offers

Concierge Service: Scotiabank Platinum American Express Cardmembers and Scotiabank Gold American Express Cardmembers may use the Concierge service operated by HRG. General concierge assistance consists of the following services; Travel Related (e.g. car and limousine rentals, hotel information and reservations, luxury rental information and arrangements, private planes), Entertainment (e.g. concerts, sporting event tickets, golf course tee times), Lifestyle (cultural information, restaurant referrals and reservations, gift referrals and arrangement services, specialty in-home referrals and specialty service, flowers, personal assistants) and Experiential (e.g. luminary experiences, meet greet, fashion, styling sessions, once-in-a-lifetime trips). Services are available worldwide and are subject to limitations. In no event will the services be available in any country or territory which is the subject of governmental or quasi-governmental economic or political sanctions, which may be involved in an international or internal conflict, or where the existing infrastructure is deemed inadequate to guarantee service. Fees do not apply to Scotiabank Gold American Express Cardmembers and Scotiabank Platinum American Express Cardmembers. To cancel or modify your booking, please contact a Scotia Rewards Concierge Representative at 1-800-665-2582. To cancel or modify your booking, please contact a Scotia Rewards Concierge Representative at 1-800-665-2582.

Travel Advantage: As a Scotiabank American Express Cardmember and Scotiabank Visa Reward Cardmember, you are also entitled to Travel Advantage¹. Travel Advantage offers Cardmembers access to year-round travel benefits. The Travel Advantage program may be terminated at any time. Individual offers are subject to change and offer expiration dates vary. Offers are subject to merchants’ standard booking requirements, terms, and conditions. To qualify, purchase must be booked through your Scotia Rewards Travel Service at 1-800-665-2582 or online and purchase must be made on a valid Program Card.

Platinum VIP Offers: Scotiabank Platinum American Express Cardmembers are entitled to Platinum VIP offers². Platinum VIP offers are a selection of unique lifestyle, travel, entertainment and once-in-a-lifetime experiences. Platinum VIP Offers may be terminated at any time, and are subject to change and expiration dates vary. Offers are subject to merchants’ standard booking requirements, terms, and conditions. To qualify, purchase must be booked through your Scotia Rewards Travel Service at 1-800-665-2582 or online and purchase must be made on a valid Program Card.

Customer’s Responsibility

Minimum Age: You confirm you are the age of majority in your province/territory of residence and have the authority to book travel services on behalf of yourself and on behalf of all those included in your booking including for those bookings where another age is required. Many cruise lines have a minimum age of 21 in a cabin without an accompanying adult of at least 25 years of age (ages and terms may vary). Most hotels and car rentals also have a minimum age requirement. Check with the cruise line, hotel, or car rental company for their policy prior to booking.

Fraudulent Activity: You agree not to make any speculative or fraudulent redemption on this website. If we find your booking shows signs of fraud or suspicious activity, HRG may cancel any bookings associated with your name and/or email address. If you have conducted any fraudulent activity, HRG will take legal action and you may be liable for any losses to HRG, including legal costs and damages. To contest the cancellation of a booking please contact Scotia Rewards Travel Service at 1-800-665-2582.

Correct Spelling On Your Documents: It is your responsibility to ensure that the spelling of all names is correct and corresponds to the names listed on the passport of each person on the booking. These exact spellings will appear on your ticket(s) and if they are incorrect, you may be refused travel by the airline, cruise line, or immigration authorities.

Correct Documentation: Please contact the Consulate, Embassy, or government website of your travel destination and airline to ensure you have the correct travel documents required to travel to every country you will visit on your itinerary including the United States. Depending on the country of origin of your passport, you may be restricted from travel to some destinations, or you may require a visa that must be arranged well ahead of time. Please be aware that many countries now require that a passport be valid for 6 MONTHS after the date of return of your trip. Please check the government website of the country you are travelling to.

Although HRG has given certain advice about the relevant laws, customs and travel documentation required for your travel destination and your return to Canada, it is your responsibility to be aware of and prepared for all legal, documentation, health, and other requirements of the destination you are travelling to. If you need assistance with this or are unclear about where to get the correct information, please call us at 1-800-665-2582.

Documentation to Return to Canada: It is your responsibility to ensure that you have the appropriate documentation (passport, visa, permanent resident card, etc.) to re-enter Canada upon your return.

Travellers Requiring Special Assistance: If anyone on your booking requires accommodation for accessibility needs, please call Scotia Rewards Travel Service at the time of booking or immediately after booking at 1-800-665-2582 or via e-mail to scotiarewardsservice.ca@hrgworldwide.com, so that we may assist you with notifying the relevant suppliers and making the necessary arrangements.

Review Tickets and Invoice: Please review your invoice, tickets, and itinerary thoroughly to ensure all dates, times, products are exactly what you requested and that your names are all exactly as on your passports. By paying for travel services you acknowledge you have reviewed and accepted our Terms and Conditions. If you have booked a cruise, please be sure to fill out any required personal information by the cruise line in advance of your trip, according to the requirements of that cruise line.

Flights

Best Price Guarantee on Airfare from HRG: If, within 24 hours after completing an airline ticket purchase on the Scotia Rewards Travel Service website or with a Scotia Rewards Travel Service Representative, you find a price for the exact same itinerary that's at least $10 less, HRG will offer you a Scotia Rewards points credit equal to the price difference, per passenger. See travel.scotiarewards.com for complete details and instructions on how to submit your claim.

Flights & Baggage Restrictions: We recommend you check the website of your airline for check-in and cut-off times prior to departure for your flight and destination. You should also contact your airline to determine if there is any charge for checked baggage, excess baggage, as well as any weight and carry-on requirements specific to your airline, or your carry-on items could be refused. You should also check what items are permitted in your carry-on luggage.

Airport Check-in: Most Airlines require travelers to obtain a boarding pass and complete check-in of their baggage up to 2 hours prior to departure. The times vary from airline to airline and HRG recommends that you confirm this information with the airline at least 24 hours prior to departure. The airline reserves the right to deny boarding to travelers that fail to meet the above mentioned timelines. HRG will not be responsible for missed flights due to delays in getting to an airline check in counter in time.

Flight Reconfirmation: Flight times are subject to change. Please be sure to reconfirm all flight times 12 - 24 hours prior to departure by contacting your airline or checking their website.

Connecting Flights: All connecting flights displayed on this website allow for ample time required to connect between different airlines and between different airports within the same city, however HRG assumes no liability for customers unable to make their connection for any reason.

Foreign Travel: Air travel to other countries is governed by various conventions and agreements between Canada and other governments, which are incorporated into the terms and conditions of your purchase of applicable air travel services. Incorporated terms may include, but are not restricted to:

limits on liability for personal injury or death;
limits on liability for lost or damaged baggage and its contents, including fragile or perishable goods, and availability of excess valuation coverage;
claims restrictions, including time periods within which passengers must file a claim or bring an action against the air carrier;
rights of the air carrier to change the contract;
rules on re-confirmation of reservations, check-in times and refusal to carry; and
rights of the air carrier and limits on liability for delay or failure to perform service, including schedule changes, substitution of alternate air carriers or aircraft and rerouting.

It also is your responsibility to become familiar with the relevant laws and customs of the countries of destination. You acknowledge that the living standards and practices at the destination and the standards and conditions there with respect to the provision of utilities, services and accommodation may differ from those found in Canada

Hotel

Hotel Check-in/Check-out times: Every hotel has standard check in and check-out times. We are not able to make special arrangements for our customers outside this policy. Generally the check-out time is 12:00 noon on the day of the return flight, regardless of the flight time. Note that some flights may leave as late as a few hours after midnight. The check-out time for these flights is still 12 noon the previous day. Late check-outs are subject to additional charges paid to the individual hotel locally.

Hotel/Car Pay at Destination (Scotia Rewards Credit Cards only): While most hotel and car rental bookings will be prepaid (requiring Cardmembers to pay only local tax and incidentals at check-out/drop-off), there may be occasions where a prepayment is not possible. In these situations, your hotel and/or car bookings will be considered a “Pay-At-Destination” booking. For these bookings, points are redeemed in the form of a travel credit. The travel credit is applied to your Program Card Account within 14 days of the date of this booking. Full payment is collected by the hotel and/or car rental agency. Pay at Destination is only applicable to trips reserved through the Scotia Rewards Travel Service and paid with a Program Card.

Hotel Terms and Conditions:

All Prices quoted based on the Scotia Rewards Travel Service website and may vary based on current daily exchange rates
Most hotel reservations are prepaid. Your Program card will be charged when you complete your reservation
If your hotel is to be paid locally, please note that the price shown does NOT include any applicable hotel taxes. Exact taxes and any other charges applicable to your hotel stay will be billed by the hotel. Most hotels are charged locally upon check out unless otherwise specified or charged to your Program card.
Any incidental charges will be assessed directly to you by the hotel upon check-out. Examples: Parking, Phone Calls, Room Service, etc.
HRG hotel rates are based on double occupancy. Charges for extra persons (including children) may apply and will be due directly to the hotel
Any changes to, or cancellation of, an hotel reservation may result in 100% penalties and/or administration fees
No refunds for unused nights, including those resulting from delayed check-in or early check-out, will be given
Guests must be at least 18, or in some cases 21 years of age at time of check-in (depending on individual hotel policy) unless accompanied by a parent or guardian

For any hotel changes and cancellations please contact us at 1-800-665-2582.

Car

Car Rentals: If a car rental is included in your booking, please be aware that car rental companies, and governments in every jurisdiction, determine the minimum age that applies to your booking. If the driver does not meet the minimum age requirement in a particular jurisdiction, the car rental will be denied. Also, please be aware that you will need a valid driver’s license and a valid credit card for any car rental. Some local fees and taxes may be applicable to be paid locally and are not covered by Scotia Rewards Travel Service. Furthermore although it may not be disclosed by the supplier at the time of booking, some foreign car rental companies mandate that renters purchase their own insurance locally.

Cruise Line

Cruise Line Departure Times: Cruise lines must adhere to their departure times from port. It is highly recommended you allow sufficient time to get to your cruise to allow for any flight delays. You may choose to travel the day before your cruise with an overnight in their port of embarkation to ensure you are on time for the departure.

Cruise Line Flights: If you have elected to buy flights arranged by your cruise line, please be aware that cruise lines do not confirm airlines, routing, dates and times until two or three weeks prior to departure.

Cancellations: If you need to cancel your booking, you must contact HRG immediately. All cancellations are subject to charges according to the airline, supplier, insurance company, and cruise line cancellation policies, which will be determined by the amount of time before departure that you cancel. Please note that in the event of a partial or full refund, taxes, fees and charges are NOT refunded by the supplier.

Local Customs and Holidays in Your Destination: Please be aware that every country has its own local customs, holidays, holiday closures, etc. Please check the tourist board website for your destination to be aware of any customs or holidays that may affect your vacation.

HRG Privacy and Governing Law

Privacy: The HRG privacy policy that applies to the Scotia Rewards Travel Service website (the “Privacy Policy”) is available for review by clicking the Privacy Policy link on the Scotia Rewards Travel Service website.

By purchasing travel or related services through the Scotia Rewards Travel Service website, you expressly consent to the use of your information (as referenced in this Privacy Policy) and agree that HRG may contact you in connection with the purchase of such travel or travel related services.

Governing Law: These Terms and Conditions shall be governed by and construed in accordance with the laws of the province of Ontario and the laws of Canada applicable in it and shall in all respects be treated as a contract of that province.

This Scotia Rewards Travel Service website may contain hyperlinks to websites operated by third parties. Such hyperlinks are provided for your reference only. HRG and The Bank of Nova Scotia do not control such web sites and is not responsible for their contents. Inclusion of hyperlinks to such web sites does not imply any endorsement of the material on such web sites or any association with their operators.

Travel Agent and Contact Information

Travel Agent: Fulfillment services for Scotia Rewards Travel Service is provided by Hogg Robinson Canada Inc. d/b/a HRG North America (“HRG”), 370 King Street West, Toronto, ON M5V 1J9, TICO Registration No.:1355825/R

In this Agreement, HRG is the travel agent of record. Business registration and GST number - R136445095 RT0001. All inquiries pertaining to the legal registration of HRG should be directed to 1-877-342-3253.

Liability: HRG, in its capacity as a travel agency, makes arrangements with suppliers who provide travel services such as flights, cruises, hotels, package holidays and car rentals, including VIP Offers and Travel Advantage. The services arranged by HRG are subject to the conditions imposed by these individual suppliers, and their liability may be limited by their own tariffs, conditions of carriage, and international conventions.

HRG does not own, manage, operate or control any vehicle, hotel, resort, cruise ship, restaurant, or other supplier of services, and is not responsible for their acts or omissions. HRG does not guarantee any suppliers’ rates, reservations, connections, scheduling, or protection of personal belongings.

HRG assumes no responsibility for the actions of its suppliers, i.e. airlines, tour operators, cruise lines, hotels, car rental companies, etc. for overbooking, route changes, cancellation or delays. All information, prices and availability are subject to change.

HRG will not be responsible for the acts or omissions of any person other than our agency and our employees acting on our behalf.

HRG shall not be liable for any damages due to illness, theft, labour action, acts of God, mechanical failure, equipment failure, quarantine, rescheduling, government action, war, insurgency or act of terrorism, or other event beyond our control.

Legal Claims: You must notify HRG, via e-mail at scotiarewardsservice.ca@hrgworldwide.com or by mail to the address indicated below, of any claim you may have against HRG, within 30 days from the event giving rise to the claim. Should you not file a written complaint with HRG within 30 days of the end of your vacation or use of the travel services obtained through this website, it will be deemed that you are satisfied with the services delivered to you. You may not commence any legal proceeding against HRG unless you have submitted a notice as set out above.

This website constitutes your agreement to all such terms, conditions, and notices.

Contact information:
If you have additional travel questions or concerns, please contact us at 1-800-665-2582, scotiarewardsservice.ca@hrgworldwide.com or:

Hogg Robinson Canada Inc. d/b/a HRG North America (“HRG”),
370 King Street West,
Toronto, ON M5V 1J9

^®* Registered trademarks of The Bank of Nova Scotia.

* Visa Int./ Licensed User.

^® American Express is a registered trademark of American Express. This credit card program is issued and administered by The Bank of Nova Scotia under license from American Express.

¹ Travel Advantage is brought to all Scotiabank American Express Cardmembers and Scotiabank Visa Reward Cardmember by/from HRG with offers from participating merchants. Minimum booking requirements may apply. Terms, conditions, and restrictions apply and vary per offer. Cancellation policies, payment policies, and all other booking conditions will be advised at the time of booking. Blackout dates may apply. All reservations and offers are based on availability and are subject to taxes and assessments. Travel Advantage may be terminated at any time. Offers are subject to merchants’ standard booking requirements, terms, and conditions. Neither HRG, its subsidiaries and affiliates, nor its licensed issuers are responsible for the products or services offered by other participating companies and shall not be liable for any acts or omissions of the products or services provided in connection with this offer.

² VIP Offers are brought to Scotiabank Platinum American Express Cardmembers by/from HRG with offers from participating merchants. Minimum booking requirements may apply. Where applicable dates cannot be finalized until the experiences have been confirmed with the luminary. Terms, conditions, and restrictions apply and vary per offer. Cancellation policies, payment policies, and all other booking conditions will be advised at the time of booking. Blackout dates may apply. All reservations and offers are based on availability and are subject to taxes and assessments. VIP Offers may be terminated at any time. Offers are subject to merchants’ standard booking requirements, terms, and conditions. Neither HRG, its subsidiaries and affiliates, nor its licensed issuers are responsible for the products or services offered by other participating companies and shall not be liable for any acts or omissions of the products or services provided in connection with these offers.

Terms & Conditions

Scotia Rewards® Program:

Additional Terms:

Non-Travel Rewards:

Scotia Rewards Travel Service:

Scotia Rewards® Program – Terms & Conditions for Scotiabank® Visa* Cardmembers

Scotia Rewards® Program – Terms & Conditions for Scotiabank®* American Express® Cardmembers

Scotia Rewards® Program – Terms & Conditions for Passport ScotiaCard Cardmembers

Scotia Rewards Program Terms and Conditions - Conversion

Non-Travel Rewards - Apple and Best Buy Terms & Conditions

Other Non-Travel Rewards - Terms & Conditions

Scotia Rewards Travel Service - Terms & Conditions

Scotia Rewards^® Program:

Scotia Rewards^® Program – Terms & Conditions for Scotiabank^® Visa* Cardmembers

Scotia Rewards^® Program – Terms & Conditions for Scotiabank^®* American Express^® Cardmembers

Scotia Rewards^® Program – Terms & Conditions for Passport ScotiaCard Cardmembers