Terms Of Service Contents

TERMS & CONDITIONS Download PDF

These terms and conditions apply to The GM Card® loyalty program (the “Earnings Program”) and constitute the entire agreement between you and General Motors of Canada Company (“GM Canada”) regarding your participation in the Earnings Program.

The accumulation of Earnings does not entitle a Cardholder to any vested rights and, in accumulating GM Earnings, you may not rely upon the continued availability of any award, reward, award/reward level, premium, privilege or other benefit. GM Canada specifically reserves the right to amend, alter, withdraw or terminate the Earnings Program (in whole or in part), any program, benefit, award, reward, award/reward level, premium or privilege or these terms and conditions. Any such changes may affect Earnings you already accumulated as well as any future accumulation of Earnings.

If you or another Cardholder activate, sign, or use any Card, it will mean that you have read these Terms and understand and agreed to abide by these Terms, including any changes that GM Canada makes to these Terms.

  1. What The Words Mean

    “Bank” means The Bank of Nova Scotia;

    “Card” means any credit card issued by the Bank on a GM Card Account and all renewals of and replacements for that credit card;

    “Cardholder” means an individual who has been issued a Card in their name;

    “Earnings” means the amount calculated as a percentage of eligible Net Purchases credited to the GM Card Earnings Account to be used toward the purchase or lease down payment of a new Chevrolet, Buick, GMC, or Cadillac;

    “GM Card Account” means a Scotiabank GM Visa Card account or a Scotiabank GM Visa Infinite Card account;

    “GM Card Earnings Account” means the account tied to a GM Card Account for the crediting and debiting of Earnings in connection with the Earnings Program;

    “Good Standing” means a GM Card Account that is not delinquent, overlimit, or past due and is not closed, charged off or in credit revoked status (according to credit risk policies of Bank that may change from time to time);

    “Primary Cardholder” means the individual who applied for a consumer GM Card Account as the primary borrower, to whom the Bank has issued a Card and in whose name the GM Card Account is established;

    “Secondary Cardholder” means the individual who applied for a consumer GM Card Account as the co-borrower, to whom the Bank has issued a Card and in whose name the GM Card Account is established jointly with the Primary Cardholder;

    “Terms” means these GM Card Earnings Program Terms and Conditions;

    “You” and “your” means, each of the Primary Cardholder and the Secondary Cardholder.

  2. Eligibility

    The Earnings Program and its benefits are offered at the sole discretion of GM Canada. To participate in the Earnings Program you must:

    • Be a Primary or Secondary Cardholder;

    • Reside within Canada; and

    • Accept these Terms when you apply for a GM Card Account.

    GM Canada reserves the right to disqualify any person from participation in the Earnings Program if, in GM Canada’s sole judgment, that person has violated any of these Terms, become bankrupt, committed fraud, misrepresented information, manipulated or otherwise abused the Earnings Program. Disqualification will result in termination of an individual’s participation in the Earnings Program and loss of any accumulated Earnings.

  3. Earnings

    Using the Scotiabank GM Visa Card (with no annual fee) you receive 5% of the first $5,000 of your Net Purchases annually, and 2% of your Net Purchases thereafter as Earnings. With the Scotiabank GM Visa Infinite Card you will receive 5% of the first $10,000 of Net Purchases annually and 2% for Net Purchases thereafter as Earnings.

    “Net Purchases” are purchases of eligible goods and services that are charged to your GM Card Account less any returns or other credits. Net Purchases do not include, and Earnings are not awarded for, cash advances, Scotia® Credit Card Cheques, returns, payments, annual membership or card fees, casinos and gambling, interest charges or service transaction charges. Credits for returns and adjustments will reduce or cancel your Earnings by the amounts originally charged to the Card and will be reflected in the Earnings summary.

  4. Use of Earnings

    Earnings may be applied toward the Total Purchase Price or lease down payment of any eligible new Chevrolet, Buick, GMC, or Cadillac. Fleet sales and commercial leases are excluded. The “Total Purchase Price” consists of the vehicle price (up to the Manufacturer’s Suggested Retail Price), freight and PDI, air tax, and applicable sales taxes. In accordance with federal and provincial tax legislation, GST, PST, QST, HST and any other applicable taxes are calculated and payable on the full amount of the purchase price before any reduction for redeemed rewards. The “Total Purchase Price” excludes costs associated with licensing, registration, insurance, dealer fees, accessories, additional options, extended warranties, maintenance or service plans and other services such as OnStar and SiriusXM.

    The customer redeeming the Earnings is solely responsible for the excluded fees and costs and for any taxes, fees, levies or other charges imposed by or with the authority of any government or governmental authority in respect to any rewards or benefit. Your available Earnings may not be redeemed for cash or any cash equivalent.

    For complete details, including a list of ineligible vehicles, visit gmcard.ca or your authorized Chevrolet, Buick, GMC, or Cadillac dealer. GM Canada may, in its sole discretion, change the list of eligible vehicles at any time without notice.

  5. Redemption of Earnings

    Earnings must be redeemed during the operation of the GM Card Earnings Program and during the time that your GM Card Account is in Good Standing. To redeem the Earnings you have accumulated, visit gmcard.ca and select “My Earnings” or contact the GM Card Reward Centre at 1-888-446-6232 to verify your total Earnings available. Once verified, visit any authorized GM dealer and choose your eligible new vehicle. After you and the sales representative have discussed the sale or lease price of your vehicle, but before you sign the contract, tell the sales representative that you want to redeem your Earnings.

    You and the sales representative will then call the GM Card Reward Centre to confirm your total amount of eligible Earnings. During the call, the GM Card Reward Centre will ask for the Primary Cardholder’s information for authentication purposes and also obtain certain vehicle sale information from the sales representative and then provide the representative with an authorization number to complete the transaction. Upon issuance of the authorization number, the Earnings amount will be deducted from the Total Purchase Price or lease down payment of your new Chevrolet, Buick, GMC, or Cadillac.

    Only the Primary and Secondary Cardholder may redeem the Earnings associated with that GM Card Account toward the Total Purchase Price or lease down payment of any eligible new Chevrolet, Buick, GMC, or Cadillac. If the Primary or Secondary Cardholder redeem more Earnings than they are entitled to under the Earnings Program, the value of such excess credit toward the Total Purchase Price or lease down payment of any eligible new vehicle will be due to GM Canada and may be deducted from future Earnings.

  6. Earnings Information

    Your GM Card Earnings Account does not automatically adjust when you make an eligible Card purchase. Earnings are not eligible for redemption until they are posted to your GM Card Earnings Account. Your Card activity is recorded on the monthly account statement sent to you by the Bank. Each statement sent to you by the Bank contains an “Earnings Summary" which reflects your total accumulation of Earnings up to the close of that billing cycle. Earnings awarded and reflected on your monthly account statement will be expressed in whole dollars and rounded down by the next portion of a dollar spent.

    Information about the Earnings Program and your Earnings balance can be obtained by visiting gmcard.ca or by contacting the GM Card Reward Centre at 1-888-446-6232. Information about your GM Card Earnings Account will be provided only to the Primary or Secondary Cardholder. The GM Card Reward Centre will require information about the Primary Cardholder for authentication purposes. All Earnings discrepancies must be brought to GM Canada's attention within six months of the date of the transaction for which you are requesting an adjustment.

  7. Cancelled / Closed Accounts

    If you cancel your GM Card Account, your credit privileges are revoked by the Bank or your GM Card Account is otherwise closed, you may redeem any unused Earnings within a period of 90 days, provided your GM Card Account(s) is otherwise in Good Standing. After 90 days, all unredeemed Earnings will be forfeited.

  8. Death of Cardholder

    If there is no Secondary Cardholder on the GM Card Account: Upon the death of the Primary Cardholder, any unused Earnings will be available for 90 days for redemption by the Primary Cardholder’s estate, provided the GM Card Account is otherwise in Good Standing. After 90 days, all unredeemed Earnings will be forfeited.

    If there is a Primary and Secondary Cardholder on the GM Card Account: If the GM Card Account remains open in the name of the surviving Primary or Secondary Cardholder, then the GM Card Earnings Account will remain open and Earnings will continue to be available to such surviving Cardholder (who will then be treated as the Primary Cardholder) in accordance with these Terms. Where the GM Card Account is closed upon the death of the Primary Cardholder or Secondary Cardholder, any unused Earnings will be available for 90 days for redemption by the surviving Primary or Secondary Cardholder, provided the GM Card Account is otherwise in Good Standing. After 90 days, all unredeemed Earnings will be forfeited.

  9. Program Changes / Termination

    Subject to applicable law, GM Canada may terminate the Earnings Program or portions thereof at any time with or without notice to you. If GM Canada terminates the Earnings Program, you will have 365 days from the date the Earnings Program termination is announced to redeem accumulated Earnings toward an eligible, new Chevrolet, Buick, GMC, or Cadillac in accordance with these Terms.

    GM Canada may revise these Terms at any time upon thirty (30) days’ notice and GM Canada will post the revised terms and conditions on gmcard.ca. You should periodically visit this website to review the current Terms and to view your GM Card Earnings balance. You are responsible for keeping up to date on the Earnings Program Terms and your GM Card Earnings balance.

  10. No Claims

    Earnings have no monetary value and cannot form the basis of a monetary claim against GM Canada or the Bank. Earnings accumulated under this Earnings Program do not constitute property of the Earnings Program participants. The Earnings you have accumulated with your GM Card are non-negotiable, cannot be redeemed in whole or in part for cash or credit, may not be brokered, bartered, sold or transferred as part of a domestic relations matter, and will be declared void if sold, brokered, bartered, willed, traded, or otherwise assigned (except for a transfer permitted in Section 11).

  11. Transfer of Earnings

    You may transfer all or part of your Earnings to any supplementary Cardholder on your GM Card Account or the following immediate family members residing at the same address for the immediate purchase or lease of an eligible new Chevrolet, Buick, GMC or Cadillac: parents, grandparents, spouse, siblings, grandchildren, and children (step or in-laws). The supplementary Cardholder or immediate family member must not have, at the time of transfer, a GM Card Earnings Account. You may be required to provide proof of relationship. To transfer your Earnings to a supplementary Cardholder or an immediate family member, you must call the GM Card Reward Centre to authorize the transfer and provide the required information.

    You are permitted on a one time only basis, to transfer your Earnings from your BuyPower Card issued in the United States to your Earnings in Canada. Contact the GM Card Redemption Centre at 1-888-446-6232 to request a cross border transfer of your Earnings. The number of Earnings transferred will be based on a currency exchange rate determined by GM Canada and will not be equal to your Earnings balance before the transfer. In order for the transfer of Earnings to be processed, you will need to close your existing foreign BuyPower Card rewards account after requesting the transfer.

  12. No Pooling of Earnings

    Your GM Card Earnings may not be pooled with any other GM Card Earnings Account. When redeeming Earnings toward the Total Purchase Price or lease down payment of any eligible new GM vehicle, only Earnings associated with one GM Card Earnings Account may be used for each GM vehicle. GM Canada is not responsible, and bears no liability, for disagreements between participants concerning the use of Earnings.

  13. Taxes

    Earnings are inclusive of the Federal Goods and Services Tax (“GST”), Harmonized Sales Tax (“HST”), and Quebec Sales Tax (“QST”), and applicable Provincial Sales Tax. Determination of income or other tax liability related to participation in this Earnings Program is the responsibility of the participant/user. GM Canada does not make any representations as to the current or future tax consequences to the Earnings Program participant of the crediting, transfer, use, redemption, termination or disposition of the total Earnings accumulated with their GM Card.

  14. Audit

    GM Canada reserves the right to audit participants and/or dealers for compliance with the terms and conditions of the GM Card Earnings Program. In the event an audit reveals discrepancies, the processing of Earnings may be delayed until they are resolved.

  15. Changes to Contact Information

    You are responsible for advising the Bank of any change to your legal name or to your address, e-mail address or other contact information. GM Canada shall not be liable for misdirected communications such as mail, or any consequences thereof. If you wish to make an address or legal name change, please contact Scotiabank GM Visa at 1-844-259-5343 or Scotiabank GM Visa Infinite at 1-844-891-0484. Additional documentation may be requested by Bank to confirm such change.

  16. Operation of Earnings Program

    GM Canada is responsible for the operation and administration of the Earnings Program. GM Canada is the final authority as to the interpretation of these terms and conditions and any subsequent amendments or updates thereto. The Bank is responsible for the operation and administration of your GM Card Account.

  17. No Liability

    Neither GM Canada nor Bank shall have any liability to Cardholders whatsoever in relation to the Earnings Program, including without limitation, by reason of:

    • the termination or amendment of the Earnings Program in whole or in part

    • any changes to these Terms in whole or in part, including any changes to eligible purchases

    • any changes to GM vehicle eligibility

    • any rewards claimed

    • failure to communicate Earnings Program information of any kind.

    Neither GM Canada nor Bank shall have any responsibility for, and you specifically release GM Canada, Bank and their respective parent, affiliates, subsidiaries and representatives from, any and all liability arising out of or resulting from any accident, loss, injury or damage caused by any redemption of Earnings or use/misuse of any goods obtained under the Earnings Program.

  18. Governing Laws

    The Earnings Program is governed by the laws of Ontario and the laws of Canada applicable therein, without giving effect to their conflict of laws principles. You expressly consent to the exclusive forum, jurisdiction, and venue of the courts of Ontario in any and all actions, disputes, or controversies relating hereto. Any disputes regarding the Earnings Program, including Earnings accumulated or rewards claimed or received shall be submitted to the courts of Ontario whose courts shall have exclusive jurisdiction to hear such disputes.

  19. Privacy Information

    GM Canada will credit or debit your GM Card Earnings Account with Earnings based on the Net Purchases reported to GM Canada by the Bank. You authorize the Bank to provide GM Canada with information related to your application for and use of the GM Card and relating to the transactions from the GM Card Account, for the purpose of administering your GM Card Earnings Account and for those other purposes described in our GM Card Privacy Statement attached to and forming part of these terms and conditions (the “GM Card Privacy Statement”). Please carefully review the GM Card Privacy Statement for further details regarding GM Canada’s collection, use and disclosure of your personal information. GM Canada will share with the Bank your Earnings and redemption information, and such information will be used by the Bank in accordance with the Scotiabank Group Privacy Agreement. The Scotiabank Group Privacy Agreement is available at any Scotiabank branch or at scotiabank.com.

® The GM Card is a Registered Trademark of General Motors LLC/Used under sublicense by General Motors of Canada Company.

Published in Canada.

Consent to the Collection, Use and/or Disclosure of Your Information

By submitting your application for a Scotiabank GM Visa credit card (the “GM Card”) and participating in the GM Card® Earnings Program (the “Earnings Program”), you consent to the collection, use and disclosure of information about you by us as described below and in the General Motors of Canada Company Privacy Policy also set out below (the “GM Canada Privacy Policy”). The words "we", "us" and "our" mean General Motors of Canada Company (“GM Canada”) and includes GM Canada and its world-wide affiliates.

The information that we collect, use and disclose includes personal, financial and other details about you that you provide to us directly and information that we obtain through The Bank of Nova Scotia (the “Bank”) or from others outside GM Canada.

For each applicant and co-applicant (if applicable) this information includes:

  • Name and contact information

  • Preferred language

  • Employer’s name (to identify your eligibility for special offers)

  • Birth year

  • GM Card and Earnings Program customer identifier and transaction information (such as account number [3 digits only], expiry date, account balance, purchase amount, transaction date, merchant description, product category, Earnings, and redemptions, including date of purchase of vehicle using Earnings)

  • The channel used to apply for the GM Card (e.g., online, phone, dealership, Bank branch)

We collect, use and disclose information about you for the purposes described in the GM Canada Privacy Policy including but not limited to, for the purposes of:

  • Providing you with and administering products and services you have acquired or requested, such as warranty or extended service plan coverage and roadside assistance;

  • Facilitating your application for financing or credit;

  • Meeting safety, security, legal and regulatory requirements;

  • Providing you with general marketing and business partner information, offers and advertisements;

  • Conducting market analysis and analyzing business results;

  • Maintaining the accuracy of our records to respond to your inquiries and provide you with warranty or other customer service communications, and otherwise better understand and manage our or our dealers' relationship with you; and

  • Satisfying other reasonable, legitimate business interests (such as maintaining our relationship with you; improving and analyzing our products, services, and customer satisfaction; and collecting outstanding debts).

ADDITIONAL DISCLOSURES AND USES

In connection with the GM Card and the Earnings Program, our collection, use and disclosure of your information also includes the following purposes:

  • Administering, analyzing and improving the Earnings Program and the GM Card, such as by recording the GM Card Earnings that you have accumulated through your use of the GM Card and with partners or that you have redeemed;

  • Communicating offers about accumulation and redemption opportunities, benefits, products and services provided by GM Canada, the Bank, and/or our partners that are most likely to be of interest to you (e.g., by considering trends in your accumulation and/or redemption of GM Card Earnings across various sectors to determine which partners, offers and services are most relevant to you);

  • Understanding your preferences, needs, interests and usage in order to develop, enhance, and provide products and services that best meet your expectations, and to measure the success of various GM Card and Earnings Program features and promotions;

  • In the case of a sale of all or part of the GM Card Earnings Program or GM Card business or assets, or a contract with a potential new partner, enabling potential purchasers or partners to evaluate the business after a confidentiality agreement has been executed;

  • Providing the Bank with certain GM Card Earnings and redemption information, including the date on which you redeemed Earnings, your Earnings balance and any Bonus Earnings you may have earned for use by the Bank to administer the GM Card and for the purposes identified by the Bank (all as more fully described in the Scotiabank Group Privacy Agreement, a copy of which can be found at scotiabank.com); and

  • Sharing with our authorized GM Canada dealers whether you have a GM Card and the approximate GM Card Program Earnings available for an eligible transaction.

You may access and rectify any of your information contained in our files by contacting us directly at http://www.gm.ca/gm/english/corporate/about/privacy/overview or at 1-800-GM-DRIVE or 1-800-463-7483.

To understand how you can withdraw your consent to our use for marketing purposes, refer to the “CAN I OPT-OUT OF GM CANADA MARKETING PROMOTIONS AND INITIATIVES” section of the GM Canada Privacy Policy at http://www.gm.ca/gm/english/corporate/about/privacy/overview or contact us at 1-800-GM-DRIVE or 1-800-463-7483.

For information about the Bank’s commitment to privacy, a copy of the Scotiabank Group Privacy Agreement can be obtained at scotiabank.com or from any Scotiabank branch. The Scotiabank Group Privacy Agreement explains how Scotiabank protects the privacy of individuals' personal information and your right to tell the Bank at any time to stop using information about you to promote Scotiabank services or the products and services of third parties.

This GM Card Earnings Program Privacy was posted on April 2015 and is effective as of April 2015.

SCOPE AND OVERVIEW

Your privacy is important to General Motors of Canada Company ("GM" or "we" or "our") as is your trust in GM's products and services. We want you to know that the information you share with us will be treated with care. This Privacy Policy describes how we collect, use and share your personal information, including information we obtain from our independent dealers in Canada as well as through your use of our Canadian websites, products and services.

This Privacy Policy does not apply to: (i) personal information we collect in our capacity as an employer; (ii) General Motors Financial's business in Canada; (iii) products and services with own privacy statements, which should be reviewed by you, for example the privacy statement for connected vehicle services (such as OnStar) can be viewed at https://www.onstar.com/ca/en/footer-links/privacy-policy.html. Certain mobile applications may also have separate privacy statements (that are independent of, or supplement, this or other privacy statements), as described in the Mobile Applications section below.


Key points about our information practices:

Collection

We may collect information about you and your vehicle, such as name, address, email address, phone number, vehicle identification number (VIN) and vehicle performance data through your use of our products or services, and through GM affiliates, dealers, GM partners and others who provide information to us. Click here to learn more.

Use

We may use your information to provide products and services, to maintain customer relationships, for safety and product research purposes, to provide customer and vehicle support and service, to communicate with you, and for targeted marketing and advertising purposes. Click here to learn more.

Sharing

We may share your information as required or permitted by law, within GM, with our GM controlled subsidiaries and affiliates, with GM dealers, with our service providers, and with our business partners. Click here to learn more.

Choices

You have choices regarding how we use and share your information for marketing and other purposes. Click here to learn more.

Cookies and Tracking

We may use cookies, pixel tags, web beacons and similar tracking technologies to help provide our products and services, understand and customize your preferences and provide you with a personalized experience that features products and services that may be of interest to you. Click here to learn more.

Interest-Based Advertising

We work with third party advertising companies to collect information about your activity on GM and non-GM websites and apps over time and across your different devices in order to deliver more relevant advertising to you. Click here to learn more.

Mobile Applications

GM has developed certain mobile applications that you may download to your mobile device or vehicle ("GM Applications"). When you download a GM Application, there may be an opportunity for you to provide us with or for us to obtain information about you or your vehicle. Click here to learn more.

Third Party Products and Services

Through the use of GM products and services, you may be able to access third party services, applications and websites not controlled by GM or covered by this Privacy Policy. Click here to learn more.

GM Dealers

GM and GM dealers are separate legal entities with their own privacy practices. For questions about your dealer's privacy practices including opting out of marketing communications from your dealer, please contact your dealer directly. Click here to learn more.

Access and Update

You may access your online accounts to update your information or you may contact us to learn about how to do so. Click here to learn more.

Security Measures

We maintain reasonable and adequate security controls to protect your information and require our service providers by contract to do the same. Click here to learn more.

Retention

We keep information for as long as necessary to provide our products and services, operate our business, and comply with legal obligations. Click here to learn more.

Children's Privacy

GM websites do not target or knowingly collect any information from children under the age of majority. Click here to learn more.

International Data Transfers

We maintain appropriate protections for cross-border transfers as required by law for international data transfers. Click here to learn more.

Contact Us

If you have concerns or questions regarding GM's consumer privacy practices or this Privacy Policy, or the manner in which our service providers treat your personal information, please contact us at 1-800-GM-DRIVE (1 800 463-7483). Click here to learn more.

Changes

We may update this Privacy Policy from time to time. We will do so by posting additions or modifications to this page. Click here to learn more.


INFORMATION COLLECTED

As you interact with GM, there may be opportunities for you to provide us with your information. Additionally, we may collect certain information about you or your vehicle as further described below.

You may provide us with information about you or your vehicle through a number of sources: GM websites, applications, product and related events, surveys, social media platforms, contest entries and through our customer call centers. We also may collect information that is publicly available. For example, in limited situations we may collect publicly available information you submit to a blog, a chat room, or a social media platform like Facebook, Twitter or Google+ and we may use your information for the purposes set out in this privacy policy. We may also combine on-line and off-line information that we receive from the various sources described in this Privacy Policy, including third-party sources, with information you provide and use or share it for the purposes identified in this privacy policy.

We also receive information about you through vehicle sales and service records provided by your dealer and we may obtain, with your consent, data obtained from your vehicle's Event Data Recorder ("EDR") as described in your owner's manual (i.e., how various systems in your vehicle operate, the speed and distance of your vehicle). For additional information about EDR data, please see your owner's manual.

We also may obtain information about you and your vehicle from GM affiliates, GM divisions, GM partners (for example, credit card partners, bank partners, financing partners, SiriusXM, etc.) and other sources such as companies that provide lists of potential vehicle purchasers and current owners, if such companies are permitted to share your information with us pursuant to their privacy statements and applicable law.

GM engages with consumers on multiple social media platforms and if you contact us on one of our social media pages, request assistance via social media or otherwise direct us to communicate with you via social media, we may contact you via direct message or use other social media tools to interact with you. In addition, when you engage with GM content on or through third-party social networking websites, plug-ins or applications (such as Twitter or Facebook feeds), we may have access to certain information associated with your social media account (e.g., name, username, email address, profile picture, gender) to deliver the content or as part of the operation of the website, plug-in or application. In these instances, your interactions with us are governed by this privacy policy as well as the privacy policy of the social media platform you use.


The types of information that GM collects about you may include, but are not limited to:

  • contact information (such as name, address, city, province, postal code, email address and telephone number)

  • payment information (such as your credit card number, CVV code and expiration date)

  • information about your vehicle (such as license plate number, vehicle identification number (VIN), make, model, model year, selling dealer, servicing dealer, date of purchase or lease, the lease/financing term and other loan-related information, service history, mileage, oil/battery status, fuel or charging history, electrical system function, gear status, and diagnostic trouble codes)

  • information about your connected devices (such as mobile phone, computer, or tablet) and how you interact with our products, services, apps and websites (such as IP address, browser type, unique device identifier, cookie data, and associated identifying and usage information

  • demographic information (such as gender, date of birth, marital status and household composition)

  • marketing profile information including purchasing patterns and preferences (such as when you plan to purchase or lease; the vehicle in which you're interested)

  • photographs and videos such as those that you may submit for contests, sweepstakes or social sharing

  • relationships you have with GM in addition to the purchase and servicing of your vehicle (such as through GM Dealers, GM Credit Card, OnStar, Maven etc.)

  • incentive eligibility verification information (such as school name, branch of service or company name for vehicle purchase programs)


USE

The information GM collects about you and your vehicle may be used:

  • to provide products and services and maintain customer relationships

  • to improve the quality, safety and security of our products and services

  • to administer your account(s) and process your payments for products and services

  • to operate our websites and applications, including online registration processes

  • to administer your participation in contests or promotions

  • to autofill data fields on our websites to improve your online experience

  • to develop new products and services, including connected, autonomous and car-sharing products and services

  • to provide customer and vehicle support and service (such as recall information)

  • for warranty administration and validation

  • to provide information and product updates

  • to evaluate vehicle performance and safety as described in the vehicle owner manual

  • for research, evaluation of use, and troubleshooting purposes

  • to verify eligibility for vehicle purchase or incentive programs

  • for marketing and analytics purposes, including to display targeted advertising

  • to support the electronic signature process between you and your dealer

  • to customize and improve our interactions with you and personalize your experience with GM

  • to comply with legal, regulatory or contractual requirements

Communications with you in connection with these uses may be via mail, telephone, e-mail, text message, social media and other electronic messages, through the in-vehicle OnStar system or via our websites and applications. Communications may contain information regarding products or services, events, special offers, promotions and contests offered by GM, its affiliates, partners and/or the originating dealer and may be tailored based on information we have about you. GM may send you text messages using an automated telephone dialing system to the mobile phone number you have provided if you have opted in to receive text/SMS messages standard data and message rates may apply. See "Choices" below to learn how to manage your communication preferences.

You may choose to forward information from one of our websites or emails to another person through our Forward to a Friend program. Email addresses submitted to our E-card or other Forward to a Friend programs will not be captured for later use in marketing unless the recipient opts into receiving additional marketing materials from GM. You must only submit information about individuals with whom you have a close personal or family relationship, and who would want to receive the Forward to a Friend message.


SHARING

GM may share the information it collects about you or your vehicle in the following instances:

  • within GM, with our GM controlled subsidiaries and affiliates, and with GM dealers

  • with our service providers who work on our behalf (such as hosting our websites, sending emails and other communications, conducting customer research, managing and analyzing data, providing advertising services) and who do not have an independent right to use the information to which they have access or that we provide to them

  • with our business partners for GM marketing activities, business partner marketing activities or both (e.g. we may share certain information, including contact and vehicle identification information, with SiriusXM in connection with the satellite radio hardware installed in your vehicle and the associated services and products provided by SiriusXM)

  • with third parties for research and development purposes (such as university research institutes for improving highway safety)

  • in connection with the prospective or completed sale, transfer or financing of a significant part of a GM business or its assets, including any such activities associated with a bankruptcy proceeding

  • when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud or respond to a law enforcement request

  • as required or permitted by applicable law, such as in conjunction with a subpoena, government inquiry, litigation, dispute resolution or similar legal process (which may include lawful access by US or other foreign courts, law enforcement or governmental agencies).

Apart from the purposes listed above, GM will not share information about you or your vehicle with other third parties for their independent use without your prior consent.


CHOICES

You have certain choices regarding how we use and share your information (e.g. marketing and related purposes):

  • To make choices about how we use and share your information as described in this Privacy Policy contact us (see "How to Contact Us" below for contact information). For example, you can contact us to make choices about marketing telephone, email and other electronic communications or by following the unsubscribe instructions in the message/communication;

  • To make choices about whether you would like to receive GM marketing communications (including telephone, direct mail, email, text message or other electronic communications), contact us (see "How to Contact Us" below for contact information). For email and text message communications, you may also follow the unsubscribe instructions in the message/communication you receive;

  • To make choices relating to interest-based advertising or cookies and digital tracking technologies, please see the "Cookies/Tracking Technologies" and "Interest-Based Advertising" sections of this Privacy Policy or contact us (see "How to Contact Us" below for contact information);

  • To change previously submitted opt-out preferences, please contact us (see "How to Contact Us" below for contact information).

Please note that if you opt out of receiving marketing communications from GM, your personal information will not be used to send marketing communications, but may still be used for the other purposes described in this Privacy Policy (such as vehicle support and service). In addition, we may still contact you with transactional or account-related information or where we are permitted to do so by law.


COOKIES/TRACKING TECHNOLOGIES

GM may use cookies, pixel tags, web beacons and other tracking technologies on our websites, applications, email messages and advertisements to gather information about your visit (such as demographic data, browser type, device ID, IP address, pages visited, activities conducted on the page, and the day and time of your visit). Using cookies provides benefits to you, such as allowing you to maintain your account login information or contact information on Request a Quote forms between visits, or locating a nearby dealer. In addition, we use information gathered from cookies to autofill fields on forms such as the city, province or postal code associated with your IP address. This information can be corrected by you before submitting any form or inquiry or you can disable the cookie as discussed below and the information will not be collected.

We place pixel tags and web beacons in our emails to measure the effectiveness of our email campaigns by identifying the individuals who open or act upon an email message, when an email message is opened, how many times an email message is forwarded, the type of software, device, operating system and browser used to deliver the email and any URL accessed through our email message.

To measure site activity, provide a better user experience, and tailor our marketing communications, we or our service providers or business partners may compile information from the cookies, pixel tags, web beacons or other tracking technologies on our websites. This information may be combined with other information collected online or offline about you, including data provided by third party sources, and may be used or shared for the purposes described in this Privacy Policy.

To the extent that Internet Protocol (IP) addresses or similar identifiers are considered personal information by local law, we treat these identifiers and associated information as personal information. Similarly, to the extent that non-personal information is combined with personal information, we treat the combined information as personal information for the purposes of this Privacy Policy.

At this time, we do not honor "do no track" signals from a web site browser. However, you may refuse or delete cookies. Please refer to your browser Help instructions to learn more about cookies and other technologies and how to manage their use. If you elect to refuse or delete cookies, you will need to repeat this process if you use another computer, or change browsers. If you choose to decline cookies, some of the functionality of a website may be impaired.


INTEREST-BASED ADVERTISING

We work with third party advertising networks and other advertising and personalization partners that use their own tracking technologies (including cookies and pixel tags) on GM and non-GM websites and apps in order to provide you with tailored advertisements on our behalf across the Internet (including on social networking websites and apps). These companies may collect information about your activity over time and across your different devices on GM and non-GM websites and apps (such as web pages you visit and your interaction with our advertising and other communications) and use this information to make predictions about your preferences, develop personalized content and deliver ads that are more relevant to you on third party websites and apps. This information may also be used to evaluate our online advertising campaigns or to tailor promotions or other marketing messages to you across your devices.

GM adheres to the Digital Advertising Alliance of Canada's Self-Regulatory Principles for Online Behavioral Advertising (www.youradchoices.ca). If you do not wish to receive personalized advertising or content from participating third-party advertising companies while visiting GM web sites, you may click on the AdChoices icon or link located on the web site or visit the Digital Advertising Alliance of Canada's Opt-Out page. If you do not wish to receive personalized advertising or content from participating third-party advertising companies on non-GM websites, please visit the Digital Advertising Alliance of Canada's Opt-Out page or click on the AdChoices icon on a GM advertisement and follow the instructions on how to opt out. To learn more about interest-based advertising in mobile apps and to opt out of this type of advertising by third-party advertising companies that participate in the Digital Advertising Alliance of Canada's AppChoices tool, please download the version of AppChoices for your device at https://youradchoices.ca/appchoices/.

Opting out of relevant advertising will not opt you out of all advertising, but rather only those advertisements that are personalized to your interests by GM or its service providers.

To successfully opt-out, you must have cookies enabled in your web browser. Please see your browser's instructions for information on cookies and how to enable them. Your opt-out only applies to the web browser you use so you must opt-out of each web browser on each device that you use. Once you opt out, if you delete your browser's saved cookies, you may need to opt-out again.

We may also use services provided by third-party platforms (such as social networking and other websites) to serve targeted advertisements on such platforms to you or others, and we may provide a hashed version of your email address or other information to the platform provider for such purposes. To opt-out of the use of your information for such purposes, please contact our customer care center at 1-800-GM-DRIVE (1 800 463-7483).


MOBILE APPLICATIONS

GM has developed certain mobile applications that you may download to your mobile device or vehicle ("GM Applications"). When you download a GM Application, there may be an opportunity for you to provide us with or for us to obtain information about you or your vehicle. Each GM Application will display a separate Privacy Policy that will inform you about how any information is collected, used and shared via the application and how to decline such use or uninstall the application.

Through the Infotainment system, GM may also offer applications developed by third parties ("3rd Party Application"). When you download a 3rd Party Application to your mobile device or vehicle, the 3rd Party Application may collect information about you in connection with your download or use of that application. GM is not responsible for the collection or use of information by 3rd Party Applications. We recommend that you carefully review the privacy statement of each 3rd Party Application prior to downloading or using them.


THIRD PARTY SERVICES, APPLICATIONS AND WEBSITES

Through the use of GM products and services, you may be able to access third party services, applications and websites not controlled by GM or covered by this Privacy Policy, such as those belonging to GM dealers, co-branded websites offered in conjunction with a business partner, or independent product review sites. We recommend that you carefully review the Privacy Policy of other third party services, applications and websites before providing any personal information.


GM DEALERS

GM and GM dealers are separate legal entities with their own privacy practices. For questions about your dealer's privacy practices including opting out of marketing communications from your dealer, please contact your dealer directly.

When you buy or lease a vehicle from a GM dealer, the dealer will share your information with GM. Please be aware that each dealer operates as a separate legal entity and you should read the dealer's privacy statement to ensure that you understand its privacy practices and procedures. Additionally, because the GM dealer often is the first contact with you, the dealer can answer any questions you may have about its privacy practices. While GM encourages its dealers to ensure full compliance with all applicable privacy legislation and has provided information to our dealers relating to privacy obligations, GM is not responsible for dealers' compliance with applicable law.

When completing a purchase or lease agreement or signing a service repair order with the GM dealer, you should be provided with information describing the dealership's privacy practices and related policies that explain that certain personal information that you provide to the dealer may be shared with GM for some or all of the purposes described in this Privacy Policy.


ACCESS AND UPDATE

You may contact us, as provided under "How to Contact Us" below, to request to access, review, correct, update, or delete the information about you in our records subject to limited exceptions set out under applicable law. We may need to retain certain information for recordkeeping purposes, to complete any transactions that you began prior to your request, or for other purposes as required or permitted by applicable law.


HOW WE SAFEGUARD YOUR INFORMATION

We maintain reasonable and adequate technical, administrative, and physical security and confidentiality measures designed to help protect your information from unauthorized access or acquisition. We also require by contract that third party services providers acting on our behalf or with whom we share your information also undertake to provide such security and confidentiality measures in accordance with industry standards.


HOW LONG WE KEEP YOUR INFORMATION

We may keep the information we collect for as long as necessary to provide products or services to you, to operate our business, to enable us to communicate with you, for our safety, research, evaluation of use, or troubleshooting purposes, or to satisfy our legal or contractual obligations. Where required, we will anonymize or dispose of the information we collect when we no longer need it for the uses described above.


CHILDREN'S PRIVACY

GM websites do not target or knowingly collect any information from children under the age of majority.


INTERNATIONAL DATA TRANSFERS

We store your information in Canada, the United States, the European Economic Area (EEA), and other locations where we or our service providers maintain servers. With respect to such transfers between Canada, the EEA, the United States and other non-EEA jurisdictions, we implement standard contractual clauses and other mechanisms to protect such data. Your information may be accessible by law enforcement, governmental agencies or courts in the country where the data is processed or stored pursuant to a lawful access request in accordance with the laws of that jurisdiction. You may contact us, as set out below, in order to receive information about our policies and practices with respect to service providers outside of Canada.


HOW TO CONTACT US

If you have concerns or questions regarding GM's consumer privacy practices (including the use of service providers located outside of Canada) or this Privacy Policy you may contact us at:

  • 1-800-GM-DRIVE (1 800 463-7483);

  • By mail at 1908 Colonel Sam Drive, Oshawa, Ontario L1H 8P7, Attention: Privacy Coordinator, Mail Code: CA1-163-005; or

  • By email at contactus@gm.com with the term "Privacy" in the subject line

If you have questions about the Scotiabank GM Visa Card or would like to update the contact information associated with this card please call Scotiabank customer service.


CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time. We will do so by posting additions or modifications to this page.

Effective date: April 6, 2018

Last modified: April 6, 2018