TDCT Business Welcome Guide EN 1017

TDCT_Business_Welcome_Guide_EN_1017

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TD Business Visa* Card

Welcome Guide

Easily manage your business expenses and more.

Discover your TD Business Visa* Card

Getting Started

Business Card Benefits

Insurance

Convenience

Card Security

Contact and Support

Getting Started

Business Card Benefits

Your new TD Business Visa* Card

Enjoy these business advantages and more:

Quick steps to getting started and making the most of your Card
• Learn more about the features and benefits of your
TD Business Visa* Card by calling 1-800-983-8472 to speak with
a Business Credit Card Specialist. Don’t forget to sign your Card!
• Update your Card as the primary card on your favourite mobile
apps like auto-reloads and transportation to enjoy convenience of your
everyday business purchases.
• Learn how to add your Card to Apple Pay at tdcanadatrust.com/applepay
if you have an iPhone, to make convenient, everyday business payments
with just a tap of your phone.
• Set up regularly recurring bill payments on your
TD Business Visa Account with participating merchants
to save time and avoid late fees with business bills paid automatically on
their due dates.

• Conveniently access your TD Business Visa* Account online.
• Separate your business and personal spending.
• Establish a credit history in your business’s name.
• Access to a range of dedicated business solutions offered at TD.
• Discounts through the Visa SavingsEdge* Program.
• Security and protection for your Card when you shop and travel.

Dedicated business solutions
Experience you can trust, customer support you can count on, and solutions
that adapt as you grow. Our dedicated advisors will take the time to understand
your growing business and provide the knowledgeable advice and solutions that
are right for you.
w Book an appointment at td.com/appointment

• Register for online statements on EasyWeb to save time and
stay organized.

Enjoy discounts with Visa SavingsEdge*

• Download the TD app at td.com/app to view your TD Credit Card
Account almost anywhere. Plus, you can bank at home, or on the go.

Get discounts of up to 25% on business purchases made through the
Visa SavingsEdge* Program1.
w Learn more at VisaSavingsEdge.ca

Additional Cards
Easily apply for and manage additional Cards2 for your employees.

Insurance

Convenient services
• Fast replacement Cards. Report your lost or stolen Card immediately
and the TD Credit Card Contact Centre will do its best to get a
replacement Card to you wherever you are.

Explore the insurance coverage included with your
TD Business Visa* Card

• Fast, reliable access to cash. You can ask for an emergency
Cash Advance of up to $5,000 in emergency funds (subject to your
available credit limit), at over one million ATMs worldwide, at all
TD Canada Trust branches and at select financial institutions
around the world.

Your TD Business Visa* Card comes with a number of great benefits that add
convenience and security, wherever you go. See all the insurance types and other
features you have access to below. Plus, you can purchase optional benefits and
services to your TD Business Visa* Card that are suitable for you.

• Getting information when you need it. The TD Credit Card Contact
Centre can help you with important information, such as the location of
the nearest Visa member office for Cash Advances or contact numbers
for embassies and consulates.

Delayed and Lost Baggage Insurance4

• Staying connected to important people. In the event of an
emergency, messages can be forwarded to family members at home.

If your baggage is delayed more than six hours, each insured person on your trip
is covered for emergency purchases of essentials, such as clothing and toiletries.
Coverage is also provided if your baggage is lost by a Common Carrier. The total
benefits payable in respect of both delayed and lost baggage are subject to a
maximum of $1,000 per covered person per trip.

Optional Business TD Auto Club Membership

Common Carrier Travel Accident Insurance5

With optional Business TD Auto Club Membership3, you will know that in the
event of a road emergency, help is just a phone call away.

Travel protected in planes, trains and more. You are insured for up to
$500,000 while travelling on a common carrier (for example, a bus, ferry, plane,
or train) whenever you use your Card to cover the full cost of your transportation.

w Find out more at tdcanadatrust.com/autoclub

Auto Rental Collision/Loss Damage Insurance6
Simply use your Card to pay for the full cost of an eligible car rental, and get the
Collision/Loss Damage insurance coverage at no additional cost for up to
48 consecutive days. Please note, some rental agencies may require you to buy
the Collision Damage Waiver (CDW) coverage from them. It is important to contact
the rental agency before reserving a car to verify their policies.

Purchase Security and Extended Warranty Protection7
You automatically have access to Purchase Security and Extended Warranty
Protection, which includes coverage for most eligible new items you’ve
purchased with your Card:
• Repair, replacement, or reimbursement should eligible items be stolen or
damaged within 90 days of purchase
• Double your warranty, up to 12 additional months if the eligible item
came with a manufacturer’s warranty valid in Canada

Enhance your TD Business Visa* Card with optional benefits
Optional TD Travel Insurance Coverages available to you
Apply for optional Travel Medical Insurance
When you’re travelling, the last thing you want to worry about is your
emergency medical coverage. As a TD Business Visa* Cardholder, you have the
option to purchase TD Travel Medical Insurance.8 You’ll enjoy:
• comprehensive emergency medical coverage for when you are
travelling outside of your province or territory, whether internationally
or within Canada;
• no out-of-pocket costs for eligible emergency medical expenses;
• 24/7 emergency medical assistance.
Apply for optional Trip Cancellation and Trip Interruption Insurance
Having Trip Cancellation and Trip Interruption Insurance9 means that, if due to a
covered cause such as an illness, injury and more, you need to:
• cancel your trip, we’ll help you recover your trip expense;
• return home early, we’ll cover the cost of your eligible return
transportation.
For information about Travel Medical Insurance, or Trip Cancellation
and Trip Interruption Insurance, and how to enroll, visit
tdcanadatrust.com/travelmedical or call 1-800-293-4941.

Convenience
Enjoy the convenience of your TD Business Visa* Card

Cover business expenses with TD Visa Cheques

Discover all the features that help make using your Card more convenient
every day, from making everyday business purchases easier to providing
assistance if you lose your Card.

If you need to pay for a business expense that can’t be charged to a credit card,
use TD Visa Cheques13 anywhere cheques are accepted and the amount of your
TD Visa Cheque will be processed directly to your TD Business Visa* Card
Account as a Cash Advance.

Emergency Travel Assistance Services10

w To learn more call 1-800-983-8472

Help is just a call away. With toll-free access to help in the event of a personal
emergency while travelling. Emergency Travel Assistance Services can help
you with:

Save time on regularly recurring bill payments

• translation services in the event of an emergency situation.
• lost document and ticket replacement.
• Emergency Cash Transfer in the event of a theft, loss or emergency.
Our Administrator can assist you to obtain a Cash Advance which
will be charged to your Account.
In Canada and the U.S., call 1-800-871-8334. In other countries, call
collect 416-977-8297.

Save with Avis Rent a Car and Budget Rent a Car
Save a minimum of 10% off the lowest available base rates11,12 in Canada and the U.S.,
and a minimum of 5% off the lowest available base rates11,12 internationally, on
qualifying car rentals at participating Avis and Budget locations.
Avis

You can reserve your Avis car rental by visiting avis.com/tdcreditcards
Quote Avis Worldwide Discount (AWD) #C078400 at time of
reservation and charge the full rental to your TD Business Visa* Card

Budget You can reserve your Budget car rental by visiting
budget.com/tdcreditcards. Quote Budget Customer Discount
(BCD) #A331700 at time of reservation and charge the full rental to
your TD Business Visa* Card

Set up regularly recurring bill payments on your Account with participating
merchants for things like business software subscriptions and phone bills.
You’ll save time and avoid late fees when your bills are paid automatically
on their due dates.

Ways to pay
Save time with Apple Pay
Apple Pay is accepted in a growing number of shops, restaurants and other
retailers. Many apps have also added Apple Pay to their accepted methods of
payment. Just look for the Apple Pay or contactless payment symbols at the
check-out.
w Learn how to add your Card at tdcanadatrust.com/applepay
Pay faster with Visa payWave*
Visa payWave technology is the secure, convenient, contactless way to pay for
small-dollar purchases at participating retailers. It’s faster and more convenient
than cash – and your Card never leaves your hand.
Shop online simply with Visa Checkout
Visa Checkout14 makes it easy to pay online with your TD Credit Card. Sign up
for Visa Checkout, a service available from Visa that simplifies the online
checkout process. It’s available anywhere you see the Visa Checkout logo.
w Enroll now: Visit visacheckout.ca

Manage your Account, your way
TD Green Machine® ATMs
Access and manage your Card Account at any of our ATMs.
w Find an ATM: Visit tdcanadatrust.com
EasyWeb® Online banking

Card Security
Explore your TD Business Visa* Card fraud security features
Protecting the security of your Card should always be a priority. That’s why your
TD Business Visa* Card comes with features that help protect you when you
shop online and in person.

Manage your Card Account easily online.
w Login to EasyWeb at easyweb.td.com
Business Credit Card Specialist
Give us a call to access or manage your Card Account.
w.
Call 1-800-983-8472
TD app
Get secure access to TD’s mobile banking service anywhere you are.
w Download the app at td.com/app

Security features
• Shop online and in person securely with Visa Zero Liability and be
protected in the event that unauthorized transactions are made on your
Card. See your Cardholder Agreement for complete information on
unauthorized transactions and your responsibilities, including your
responsibility to protect your PIN.
• Shop with confidence with chip & PIN technology. Chip & PIN
technology provides an added level of security through the use of a
Personal Identification Number (PIN).
• Verified by Visa* provides you with increased security and convenience
when you shop online.

Personal Identification Number (PIN) security tips
• Choose a PIN you can remember that’s difficult to guess. Don’t use a
phone number or birthday.
• Never write down your PIN.
• Protect your PIN and use your hand or body to shield the keypad when
you enter your PIN.
• Never let anyone else know or use your PIN or use your Card.
• Make transactions only when and where you feel secure. If in doubt,
don’t use your Card.
w Reset your PIN easily and conveniently at a TD Canada Trust branch or
24/7 at any TD Canada Trust Green Machine ATM.

Fraud protection (24-hour)

The Visa SavingsEdge Program is provided by Visa Canada. The Toronto-Dominion Bank and its affiliates accept no
responsibility in respect of this Program.
2 Business and business owners are jointly and severally liable for all charges made to each TD Business Card Account.
3 Auto Club Membership is provided by AXA Assistance Canada Inc., an independent third party service provider.
The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.
4 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, your trip must be paid for
in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and
exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.
5 Underwritten by Allianz Global Risks U.S. Insurance Company (Canadian Branch). Details of insurance benefits,
including terms, conditions, limitations and exclusions are outlined in the Certificate of Insurance included with
your TD Credit Cardholder Agreement.
6 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card, cannot
exceed 48 consecutive days and the rental agency’s Collision Damage Waiver coverage must be declined by the
Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage
from them--it is important to call before booking your car rental to confirm their insurance requirements. Refer to
the Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental
exclusions and further details.
7 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for
in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and
exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.
8 All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Travel Medical
Insurance underwritten by TD Life Insurance Company. Some applications are subject to underwriting approval.
Medical and claims assistance, claims payment and administrative services are provided by our Administrator.
Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing
condition exclusion, that are fully described in the Certificate of Insurance which is issued if accepted for
enrollment. Travel Medical Insurance can be purchased by calling 1-800-293-4941, or visiting tdcanadatrust.com
Note that this optional insurance offers different benefits, on different terms and conditions, than the Travel
Medical Insurance that is automatically included with other TD Credit Cards.
9 All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Trip Cancellation
and Trip Interruption Insurance, underwritten by TD Life Insurance Company (medical covered causes) and
TD Home and Auto Insurance Company (non-medical covered causes). Claims assistance, claims payment and
administrative services are provided by our Administrator. Benefits, features and coverages are subject to
conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the
Certificate of Insurance. Trip Cancellation and Trip Interruption Insurance can be purchased by calling
1‑800‑293‑4941 or by visiting tdcanadatrust.com. Note that this optional insurance offers different benefits, on
different terms and conditions, than the Trip Cancellation/Trip Interruption Insurance that is automatically included
with other TD Credit Cards.
10 Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance
benefit but assistance services only.
11 Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code and to terms and
conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometre/
mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any
vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.
12 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and
conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometre/mile
1

Our protection measures help protect you from credit card fraud. In the event
that we detect unusual activity relating to your Account:
• You may receive a phone call from a TD Credit Card Customer Service
Representative asking you to confirm that you, or an Authorized User,
performed a transaction on your TD Business Visa* Card or Account.
• During a transaction, a merchant may receive an electronic message
requesting that they contact the TD Credit Card Contact Centre and allow
you to speak with one of our Customer Service Representatives.
• Your Card may be temporarily blocked until we can contact you for
verification.

charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles,
services, discounts or other offers made available by Budget Rent A Car System, Inc.
13 TD Visa Cheques (“Cheques”) are processed as Cash Advances to your TD Canada Trust Credit Card Account
(“Account”) and interest is charged at the annual interest rate that applies to your Account for Cash Advances
from the transaction date until the total amount of the Cheque is paid in full. Your transaction date appears on
your monthly statement. A Cheque will not be processed if the total amount exceeds the available credit on your
Account or if the Account is not in good standing. Cheques cannot be used for repayment of any TD Canada Trust credit
account. Stop payments are not allowed on Cheques. See your TD Credit Cardholder Agreement for more details.
14 The Visa Checkout service is made available through Visa. The Toronto-Dominion Bank and its affiliates are not
responsible for the service including any offers made available to you through the service.

More about your TD Business Visa* Card
Cardholder Agreement
For complete information about your Card, please refer to your
Cardholder Agreement.
w Download the PDF at www.td.com/businesscardagreements

Contact and Support
Important Numbers
For more information about your Card:
TD Credit Card Contact Centre (7 a.m. to 12 midnight ET, seven days a week):
Within Canada and U.S.:

1-800-983-8472

Outside Canada and U.S.:

call collect 416-307-7722

TTY (text telephone):

1-866-704-3194

To report a lost or stolen Card and arrange a replacement Card:
Loss Prevention Centre (24 hours):
Canada and U.S.:

1-888-347-3261

Outside Canada and U.S.:

call collect 416-308-3763

For information on travel protection or to make a claim:
Travel Insurance:
Canada and U.S.:

1-866-374-1129

Outside Canada and U.S.:

call collect 416-977-4425

* Trademark of Visa International Service Association and used under license.
All trade-marks are the property of their respective owners.
®
The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

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TDCT Business Welcome Guide EN 1017