1. In these Terms and Conditions, unless the context requires otherwise, the following terms have the meanings set out below:

    "Recipient" means the holder of the Recipient Visa Card.

    "Recipient Visa Card" refers to the Visa Card to which funds are transferred using the Visa Money Transfer Service.

    "Us/we/our" means The Toronto-Dominion Bank and its affiliates.

    "Visa Card" means an eligible personal credit, debit or prepaid card bearing the name Visa and/or the service mark of Visa.

    "Visa Money Transfer Service or Service" means the money transfer service operated through the Visa system and made available to you by us in accordance with these Terms and Conditions.

    "You" means the individual using the Visa Money Transfer Service.

  2. You may, from time to time, use the Service to transfer funds from your eligible personal chequing or savings account to a Visa Card issued worldwide. You agree that you will not use the Service in any manner that conflicts with these Terms and Conditions or for any illegal or improper purpose.

  3. The minimum transfer amount per transaction is $10.00 CDN (or equivalent). The maximum transfer amount per transaction is $2,000.00 CDN (or equivalent) for transfers from eligible Canadian dollar accounts and $2000.00 USD (or equivalent) for transfers from eligible U.S. dollar accounts. The maximum transfer amount per day is $2,500.00 CDN (or equivalent). The maximum total amount of transfers sent during a seven day rolling period is $10,000.00 CDN (or equivalent). The maximum total amount of transfers sent during a thirty day rolling period is $25,000.00 CDN (or equivalent). Transfer limits, other than per transaction limits, apply on an aggregate basis and are not per account. We reserve the right to change the frequency and dollar amount of transfers for security or other reasons without notice to you.

  4. We shall process the transfer in accordance with the information and instructions provided by you, to the Recipient Visa Card in the currency of the Recipient Visa Card, at an exchange rate determined by us at the time the transfer is processed.

  5. You are responsible for ensuring that the Recipient Visa Card number that you provide to us is correct. While we may, at our discretion, obtain certain other details of the Recipient from you like name, address or other information, we shall not be liable to verify or authenticate the information obtained from you. We will process the transfer instructions based on the information provided by you. If the information you provide is incorrect, the funds could be transferred to an incorrect Visa Card. In the event you provide erroneous information, we are not responsible for reversing the transaction or recovering the funds transferred as a result of that transaction.

  6. We are not responsible for the time taken by the Recipient's financial institution to credit the proceeds of the transfer to the Recipient's Visa Card. You acknowledge that the Recipient's financial institution may charge a fee to process the transfer and that this fee may be deducted from the transfer amount, resulting in the Recipient receiving a lesser amount. We are not liable for any fees that may be deducted.

  7. By providing us with the Recipient Visa Card number and other details about the Recipient, you represent and warrant to us that you have permission to do so from the Recipient. You further agree that we may disclose this information to our suppliers and agents and they and we may use it for the purposes of providing the Service to you.

  8. The information provided will be used in order to complete your transaction and fulfill our regulatory requirements and it will be treated in accordance with our privacy code which is available at td.com. The undersigned certifies that the individuals whose information is being disclosed in this form are aware of the purpose for which the information is being collected, used and disclosed and have consented to such collection, use and disclosure.

  9. We will charge our current service charges for use by you of the Service. If you don't have enough money in your account to cover the service charges, they may be charged to any other account you have with us or your account may by overdrawn. Our services charges are subject to change from time to time.

  10. We may, at any time, with or without notice to you change the Visa Money Transfer Service and these Terms and Conditions without liability to you. If we revise these Terms and Conditions we will post the revised version on our website at www.tdcanadatrust.com. By using the Service after we have changed these Terms and Conditions you will be deemed to have accepted the changes.

  11. We may terminate this Agreement or suspend or refuse to provide the Visa Money Transfer Service without notice to you. In all cases, you still must fulfill all of your obligations under these Terms and Conditions and you are not relieved of your obligations until all amounts owed to us, including interest, services charges and costs have been paid in full.

  12. These Terms and Conditions are in addition to and do not replace any other agreement you may have with us.

  13. These Terms and Conditions are governed by and construed in accordance with the laws of the Province of the Ontario and applicable federal laws of Canada.

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