![]() "ScotiaPoints Account" means the Scotiabank Aero Rewards Account opened in your name for crediting and debiting of ScotiaPoints earned or redeemed in connection with the Program.Ī "Supplemental Cardholder" is a person to whom we have issued a Card on your Card Account at your request. ![]() ![]() "Scotiabank Aero Rewards" means airline or other travel rewards and Travel Expense Credits redeemed as part of the Scotiabank Aero Rewards Program as set out herein. ""ScotiaPoints" and "points" mean the points credited to your ScotiaPoints Account. We reserve the right to determine in our sole discretion whether a particular Card transaction is a Qualifying Purchase. Payments of existing Card balances, balance transfers, cash advances, ATM transactions, convenience and credit card cheques, finance charges, insurance premiums, annual fees or other fees, credits, disputed transactions, fraudulent transactions or penalties, payments made for travellers cheques, money orders, wire transfers and similar products and services are not Qualifying Purchases. "Qualifying Purchase" means any retail, signature-based or Chip & Pin purchases, internet purchase, phone or mail order purchase, or automatic bill payment made with a Card for personal, household or family purposes. "Program" means the Scotiabank Aero Rewards Program. "Primary Cardholder" and "Additional Cardholder" mean, respectively, the person who signed or submitted the Card Application as a Primary Cardholder or Additional Cardholder, as the case may be, and whose name is on the Account or to whom a Card on the Card Account has been issued, other than a Supplemental Cardholder. "Net Monthly Purchases" means Qualifying Purchases performed during a month less refunds, merchandise returns and disputed charges posted to the account during the same period. "Local Time" means the local time in the Country where card is issued. "Card Agreement" means the Scotiabank Credit Card Cardholder Agreement between you and us. "Card Account" means the Scotiabank Visa or Mastercard Aero Card account opened in your name. "Card" means a Scotiabank Visa or Mastercard Aero Card we issue in connection with a Scotiabank Card Account and all renewals and replacements of that card which participates in the Scotiabank Aero Rewards Program. "Cap" means the maximum number of ScotiaPoints you can earn in any consecutive twelve-month period based on the total net monthly purchases made by you and any Additional and Supplemental Cardholder when using a Card. "Business days" means any day (other than Sundays and statutory holidays) on which the supplier is open for business. "Annual" means the calendar year (January – December of any year). and Scotiabank Trinidad and Tobago Limited. "We," "our," "us," "Scotiabank" and "the Bank" mean, as applicable, The Bank of Nova Scotia and its branches and subsidiaries operating outside of Canada, including, but not limited to, Scotiabank (Barbados) Limited, Scotiabank (Bahamas) Limited, The Bank of Nova Scotia Jamaica Limited, Scotiabank (Turks and Caicos) Ltd. "You", "your" and "Cardholder" mean the Primary Cardholder to whom a Scotiabank Visa or Mastercard Aero Card is issued.
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