Our Mobile Security Guarantee

We will fully reimburse you in the unlikely event that you suffer direct financial losses due to unauthorized activity¹ in your accounts through Scotia Mobile² provided you have met all of your security responsibilities as outlined in the terms of our customer agreements³.

At Scotiabank, we're committed to ensure the online security of your financial transactions and the confidentiality of your information. As part of this commitment, we have instituted a number of security measures to help ensure the integrity of your transactions and your account information from login to logout, including:

• We use 128bit SSL (Secure Sockets Layer) ensuring end-to-end encryption from the device to the Bank, meeting industry best practices for cryptographic standards, during online/wireless transactions; in addition WAP 1.0 browser, are not allowed to use the application (automatic blocking in place) thus closing a well known security vulnerability with the WAP protocol
• We have firewalls and monitor our systems to prevent unauthorized access to our internal systems and maintain the safety of your information
• We provide security features like Remember My Card, User identity verification through multiple factors additional to the unique Scotia card password combination and Session Timeout
• We designed our interfaces so your account and credit card numbers are never displayed, neither your personal information

To ensure you are protected under the Mobile Security Guarantee, you must do your part too. That means it is your responsibility to abide by the terms of our customer agreements³ and follow the guidelines in the Safe Computing Practices section of Scotiabank's website. In particular, you must:

• Carefully select your Scotia OnLine / Mobile Banking sign-on password and never select a password that is the same as or similar to an obvious number combination such as your date of birth, bank account numbers, ATM PIN number or telephone numbers.
• Keep your ScotiaCard Visa Debit card number, Scotia OnLine / Mobile sign-on password, and ScotiaCard Visa Debit card Security Code number (last three italicized numbers printed on the back of your ScotiaCard Visa Debit card⁴) confidential. Do not divulge this information to anyone _ including family members, friends, employees, bookkeepers or anyone else. Do not write this information down or keep a poorly disguised record of it, or keep it together with your ScotiaCard Visa Debit card.
• Never store your banking passwords on your phone and secure your mobile phone with a password and biometrics if available.
• Notify us immediately in the event of loss, theft, misuse or compromise of your ScotiaCard Visa Debit card number, Scotia OnLine / Mobile Banking sign-on password or Mobile Device. Contact Us.
• Use your wireless data connection when you are banking _on the go_ and avoid defaulting to public wifi services on your smartphone - especially when you're transmitting sensitive information
• Never respond to pop-ups, emails, or SMS requests that ask you to reveal personal information about yourself or your Scotiabank accounts. Scotiabank will never send you unsolicited emails or text messages asking for your password, Personal Identification Number (PIN), credit card, account numbers, etc. We will never ask you to validate or restore your account access through unsolicited email or text message.
• Review your statements and report any errors in a timely manner. Different transactions have different reporting deadlines. Please see the applicable account agreement, statement for further details.
• Assist us in any investigation into improper access to your accounts.