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Shopping by RBC Terms

  • Highlights. Some things you accept when you sign up for Shopping by RBC.
    When you sign up for the Shopping by RBC service we will use your RBC debit and credit card transaction history we have and information from your use of the service to personalize your experience by presenting you with tailored offers, recommendations and marketing (Personalization).

    To understand how RBC Royal Bank collects, uses and shares your personal information, please see the Collection, Use, and Disclosure of Personal Information section.

    Personalization is an integral part of the service. If you accept these terms, you are consenting to Personalization. If you do not wish to consent to Personalization, do not accept these terms.

  • You must read and accept these terms to use the Shopping by RBC service.
    These terms are a legally binding contract between you and us (Royal Bank of Canada) for the use of the Shopping by RBC service (Shopping by RBC).

    To use Shopping by RBC, you must read and agree to these terms by checking the on-screen box. By checking the box, you also confirm you are the age of majority in the place where you live. These terms apply to you on the date you check the box.

    You can download or print a copy of these terms using the download button, please keep a copy for your records. You can also view the current version at any time by accessing Shopping by RBC within the RBC Launch app.

    These terms do not change any other agreement between us or that you may have with one of our subsidiaries or affiliates.

    Additional terms, conditions, instructions or disclaimers that appear on your screen when using Shopping by RBC form part of these terms, and you accept them by continuing to use Shopping by RBC.

  • Services
    By “services” we mean all the features, functions, content and information that we provide through Shopping by RBC, including offers, alerts, search and payments functionality. The services may change over time. We may give you notice of changes as described in the “Changes” section. We currently provide the services in English only. There may be times when at least some of the services are not available.

    Shopping by RBC includes the following services:
    • A) OFFERS
      You may access promotional offers that permit you to receive cash back, discounts, enhanced services, benefits and other incentives or value. These offers may be available to you through a variety of different programs. Each offer may be governed by specific offers terms as well as terms applicable to the program through which it is available. It is your responsibility to review the program terms and offer terms and ensure you comply with all applicable terms.

      Offers are currently available through the Cash Back Deals program and the RBC Offers program (see details of each respective program in the Offers Programs section, below). As a result of Personalization, all offers may not be presented to all users.
    • B) ALERTS
      The Avion Rewards ShopPlus extension will present you with “alerts”, which are notifications presented when you are using the Safari browser on your mobile device. The alerts may be related to offers, coupons, merchants, pricing, payments, or similar shopping-related functionality.

      The alerts functionality is only available through the Avion Rewards ShopPlus extension.
    • C) SEARCH
      The search functionality allows you to search within Shopping by RBC for specific merchants and products and to filter the results based on certain criteria you set. Merchants with offers relevant to your search may be presented first in your search results, followed by other merchants matching your search criteria.

      The search functionality is provided by a third party (Microsoft Corporation). The search results are based on the search query you enter. We are not responsible for the results of your search.

      Please do not include any offensive, personal or sensitive information in the search query. If you enter personal information into the search query, Microsoft Corporation will have access to such personal information and will treat it in accordance with the Microsoft Privacy Statement, available at https://privacy.microsoft.com/en-us/privacystatement.

      Please note, if you select a product or service in the search result you will be directed to a third party’s website to view or purchase such product or service. Any use of a third party website will be subject to, and any information you provide will be governed by, the terms of the third party website, including those relating to confidentiality, data privacy and security. We are not responsible for the information, content, product(s) or service(s) of any third party website.
    • D) PAYMENTS
      The Avion Rewards ShopPlusextension will present you with certain payments-related functionality, which enables you to pay for certain purchases using RBC cards, points, or other payment products. The payments functionality may not be available on all merchant websites and will only be presented where compatible.

      The payments functionality is only available through the Avion Rewards ShopPlusextension.

  • Offers Programs

      A) Cash Back Deals
      Participation: To participate in Cash Back Deals you must have an RBC Royal Bank Canadian dollar personal deposit account to receive the cash back. You must also have the latest version of the RBC Launch app downloaded on a device with a minimum operating system of iOS 15.

      Cash Back Deals are available within the RBC Launch app as well as through the Avion Rewards ShopPlus extension.

      To receive notification of available offers while shopping from the Safari browser on your device, you must enable the Avion Rewards ShopPlus extension on your device. The extension allows us to present an offer to you from a participating merchant when you are browsing the participating merchant’s site. You can also search for offers from participating merchants using the extension.

      Loading Offers and Completing Transactions: How you load an offer and complete the transaction will depend on whether you are loading the offer in the app or the Safari browser.

      • RBC Launch App: To receive the offer you first have to load the offer within the app and then click on the link provided to access the merchant’s website and complete the eligible transaction.
        • Note: you can view the offers you have loaded in the RBC Launch app. They will remain loaded until either you have completed an eligible transaction using the link in the offer or the Merchant withdraws the offer.
      • Safari Browser Extension: To receive the offer you first have to load the offer when it is presented to you in the Safari browser on your device and then complete the eligible transaction during the same session you loaded the offer.
        • Note: the offer is only available at the time it is presented to you and may not be available the next time you browse the participating merchant’s site or search for the participating merchant
        Earning Cashback: The offer is funded by the participating merchant and the merchant is responsible for all terms applicable to the offer, including any exclusions, restrictions, limitations or requirements, which are set out in the offer terms. Any returns and adjustments will reduce or cancel the cash back earned by the amounts originally charged.

        Cash back is earned on the pre-tax amount of the personal purchase. Cash back is earned on the Canadian dollar equivalent (calculated same day) of qualifying purchases made in a currency other than Canadian dollars.
        • Note: : in limited circumstances, the cash back earned may be subject to foreign exchange fees, foreign currency fluctuations or other factors that may influence the amount of cash back earned. For more details, see our Adjustments and Disputes Policy for Cash Back Deals available at https://www.rbcroyalbank.com/ways-to-bank/mobile/rbclaunch/shopping/adjustment.html.
        Holding Period: Earned cash back will be subject to a holding period determined solely by the merchant. The applicable holding period is based on the participating merchant’s return policy and when the merchant funds the cash back.
        • Note: in some industries, for example travel and accommodations, the holding period may apply until the trip or stay has concluded and the merchant funds the cash back.
        Cash back that is subject to the holding period is referred to in the app as “pending” and will remain “pending” until the applicable return period has ended and the merchant has funded the offer.

        Receiving Cash Back: To receive the earned cash back from Cash Back Deals you must have an RBC Royal Bank Canadian dollar personal deposit account for us to deposit the cash back and you must maintain the account in good standing until the cash back is deposited.
        • Note: if you close or otherwise lose access to your RBC Royal Bank account we will not be able to deposit the cash back.
        After the applicable holding period, we will automatically deposit the earned cash back into your RBC Royal Bank Canadian dollar personal deposit account during the next monthly cash back cycle.
        • Note: you can expect to receive the cash back in your account by 10th business day of the month.
        Incorrect Cash Back Amount: The amount of cash back paid to you for Cash Back Deals is dependent on the amount received from the merchant. If you believe the amount of pending or paid cash back is incorrect, please see our Adjustments and Disputes Policy for Cash Back Deals available at: https://www.rbcroyalbank.com/ways-to-bank/mobile/rbclaunch/shopping/adjustment.html.
        • Note: we provide 100% of the cash back payment we receive from the merchant to you.
    • B) RBC Offers
      Shopping by RBC may include offers from merchants participating in the RBC Offers program. The RBC Offers program is available to RBC clients with an RBC Royal Bank debit card tied to a personal or business chequing account and/or personal or business credit card (other than an RBC Commercial Visa or RBC US Dollar Visa card).

      Access to the RBC Offers program is dependent on certain account preferences you have set. RBC Offers will not be displayed to you if you have previously asked us not to use your personal information to identify offers that may be relevant to you. If you would like to change these account preferences, please contact us at 1-800-769-2511 or visit an RBC Royal Bank branch and ask to have your client preferences updated to receive marketing communications on products and services.

      For more information about the RBC Offers program please see the RBC Offers page in your Online Banking or visit https://www.rbcroyalbank.com/rbcoffers/.

  • Fees
    There are no fees for using Shopping by RBC, but we may charge fees in the future. We will give you prior notice of any fees, in accordance with the “Changes” section.

  • Collection, Use, and Disclosure of Personal Information
    Our collection, use and disclosure of your personal information is governed by:
    • (i) the Privacy section(s) in your other agreement(s) with us,
    • (ii) the Privacy Statement you agree to when activating Shopping by RBC (available at https://www.rbcroyalbank.com/ways-to-bank/mobile/rbclaunch/shopping/privacy.html), and
    • (iii) our Global Privacy Notice and Digital Channel Privacy (available at www.rbc.com/privacysecurity).
    Please note, the privacy policy of a merchant will apply to any information you provide to such merchant while you shop with them.

  • Communications and Notices
    You can contact us at 1-800-769-2511.

    We will contact you and provide notices using the contact information that you provide to us. Our primary form of communication is email so please make sure it is correct and up-to-date at all times.

    If you have consented, we may send you promotional materials by email unless you change your communication preferences by unsubscribing. Changes to your communication preferences for promotional content will not change how we communicate with you for operational and non-promotional content.

  • Push Notifications
    If you have enabled push notifications on your device, we can send push notifications. These notifications are only for convenience and information purposes, unless you have consented to receive promotional push notifications within the RBC Launch app (under settings) via an on/off toggle. For example, you may receive push notifications near real-time for missed cash back (a transaction made at a merchant where there is an offer that you did not load). You can enable or disable push notifications on your device settings or you can change your promotional push notification preferences within the RBC Launch app (if applicable).

  • Termination
    Without giving you notice, and for any reason, we can suspend or terminate your access to Shopping by RBC and terminate these terms.

    We are not responsible for any loss or inconvenience that you may experience as a result of us suspending or terminating your access to Shopping by RBC.

    To delete your profile and terminate these terms and your access to Shopping by RBC, you can use the toggle within the RBC Launch app to disable access to Shopping by RBC. The provisions under the Ownership and Liabilities & Indemnities sections will survive any termination of these terms.

  • Changes
    Unless relevant laws or regulations say otherwise, we can change any part of the services without giving you notice and change anything in these terms by giving you notice of the change either before or after the change. When giving you notice, we will send you a link to the updated version of these terms. If you use Shopping by RBC after we give you notice of the change, you are deemed to have reviewed and accepted the updated terms.
  • Instructions
    If you provide sign-in credentials to use Shopping by RBC, then we can accept any instructions that you give using your sign-in credentials, and you are responsible for those instructions. Your instructions will have the same legal effect as if they were written instructions and signed by you.

  • Security
    To get access to Shopping by RBC you first need to sign-in through the RBC Launch app. You are responsible for keeping your sign-in credentials for the RBC Launch app secure and confidential. We will not be responsible for any losses that you may experience if others use your sign-in credentials or if you lose them.

    When using Shopping by RBC, it is important that you:
    • (i) Do not reveal any confidential information to anyone other than us and do not allow other people to see your device screen when viewing confidential information.
    • (ii) Do not leave your device unattended while using Shopping by RBC.
    • (iii) Take reasonable precautions to prevent losing your device or having it stolen.
    • (iv) Do not let other people use their fingerprints or other biometric tools to access your device.
    • (v) Use reasonable security measures to keep your device safe, such as up-to-date virus scanning software and firewall systems, if those measures are available for your device.
    We may impose additional security requirements in connection with the services, and you must comply with those as well.

  • Service Providers & Third Party Services
    We may use other parties to help us provide the services.

    These service providers retain all ownership rights, including all intellectual property rights, in their services and to their trademarks and logos that may appear when providing the services. These terms do not confer any right for you: (i) to use their services in any way other than as expressly permitted in Shopping by RBC, or (ii) to use any of their trademarks or logos.

    We may offer you access to services provided by third parties that are not affiliated with us or refer you to a third party for other services. We may receive referral fees from third parties when we refer you to them and / or you elect to purchase or obtain a product or service from them. These referral fees will not affect any fees that you may have to pay to us or to the third party.

    Your use of any third party services is at your own risk, and could be subject to additional terms and conditions imposed by the third party.

    We are not responsible for any representations or warranties (express or implied) related to any third party services, including any warranties relating to accuracy, completeness, merchantability or fitness for a particular purpose.

  • Use
    Your use of Shopping by RBC is voluntary and solely for your own personal use.

    When you use Shopping by RBC you must comply with these terms and with all applicable laws and you cannot do the following things:
    • (i) Provide information that is untrue, inaccurate or incomplete;
    • (ii) Use Shopping by RBC for any activities that are illegal, fraudulent, harassing or defamatory;
    • (iii) Use any robot, spider, or any other indexing device;
    • (iv) Sell or otherwise distribute the services or allow someone else to sell or distribute the services;
    • (v) Do anything that could undermine the security, integrity, effectivity or goodwill of the app or the services; or
    • (vi) Reverse-engineer or reverse-compile the source code for the app or any of the service technology.
  • Ownership
    We grant you a non-exclusive license to use Shopping by RBC in accordance with these terms. You cannot transfer this license or assign it to anyone else.

    We or our licensors own Shopping by RBC at all times, including:
    • (i) The copyright in Shopping by RBC; and
    • (ii) All intellectual property rights subsisting on each screen made available through Shopping by RBC.
    For greater certainty, unless otherwise indicated, trademarks and logos, and all works, including texts, images, illustrations, software, HTML codes, audio clips and videos appearing within Shopping by RBC are our property, or that of our licensors, and without our express written permission, may not be reproduced, republished, downloaded, posted, transmitted, distributed or modified, in whole or in part, in any form whatsoever, except for personal and non-commercial use, including viewing, printing or archiving of electronic copies of your activities, in accordance with these terms and as we may further instruct you.

    Nothing in these terms or within Shopping by RBC is to be interpreted as conferring a right to use our works, trademarks or logos in any other way.

  • Liabilities and indemnities
    We provide Shopping by RBC on an “as is” and “as available basis” and we don’t make any representations or warranties about Shopping by RBC. More specifically, we don’t make any warranties (express or implied) about merchantability, fitness for a particular purpose, non-infringement or about anything else with respect to Shopping by RBC.

    You are responsible for all the information or content that you give us.

    We do not control, endorse, sponsor, recommend, or otherwise accept responsibility for any product or service you obtain from a third party or for any content, terms of use or policies on any third party website.

    Neither we nor any of our subsidiaries or affiliates are responsible for any loss, harm, delay or inconvenience that you may suffer with respect to:
    • (i) these terms;
    • (ii) your use of Shopping by RBC; or
    • (iii) any products or services that you buy from us or from a third party that to whom we’ve referred you.
    Neither we nor any of our subsidiaries or affiliates will be responsible or liable for any of these things even if we have been advised of their possibility, or even if we have been negligent.

    You release and indemnify us (including our subsidiaries and affiliates) for any claim, cost and liability incurred (i) as a result of your use of Shopping by RBC or (ii) as a result of your breach of these terms.

  • Records, Enforceability & Assignment
    The records (electronic or otherwise) that we keep with respect to Shopping by RBC are final and conclusive. They will be admissible in any legal or administrative proceedings. Electronic records will be admissible in the same manner as original paper documents. You waive any right to object to the introduction of any such electronic records into evidence.

    You agree to these terms in electronic form and these terms are binding between you and us. You will not contest that these terms are not valid or enforceable because you accepted these terms electronically.

    If any provision of these terms is found to be invalid or unenforceable, the other provisions will remain valid and enforceable. If we fail to enforce the performance of any provision it does not mean that we have waived the provision or any right.

    We can assign or transfer these terms, including the rights and obligations under these terms, to another person on notice to you.

    You cannot assign or transfer these terms, or any of the rights or obligations set out in these terms, to any other person.

  • Language
    You and we have expressly requested that these terms and all related documents, including notices, be drawn up in the English language. Vous et nous avons expressément demandé que cette entente et tout document y afférent, y compris tout avis, soient rédigés en langue anglaise. (Quebec only / Québec seulement).

  • Governing law
    These terms are governed by the laws of Ontario and the laws of Canada applicable in Ontario. Ontario courts have exclusive jurisdiction over each of us for the determination of any matters arising out of these terms.

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