TDCT Business Welcome Guide EN 1017

TDCT_Business_Welcome_Guide_EN_1017

TDCT_Business_Welcome_Guide_EN_1017

TDCT_Business_Welcome_Guide_EN_1017

User Manual:

Open the PDF directly: View PDF .
Page Count: 8

Easily manage your business expenses and more.

Discover your TD Business Visa* Card

Getting Started 3

Business Card Benefits 4

Insurance 6

Convenience 9

Card Security 12

Contact and Support 16

TD Business Visa* Card

Welcome Guide

3 4

Business Card Benefits

Enjoy these business advantages and more:

• 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

Enjoy discounts with Visa SavingsEdge*

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.

Getting Started

Your new TD Business Visa* Card

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.

• Register for online statements on EasyWeb to save time and

stayorganized.

• 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.

5 6

Explore the insurance coverage included with your

TD Business Visa* Card

Your TD Business Visa*Cardcomeswithanumberofgreatbenets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benetsand

services to your TD Business Visa*Cardthataresuitableforyou.

Delayed and Lost Baggage Insurance4

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

benetspayableinrespectofbothdelayedandlostbaggagearesubjecttoa

maximumof$1,000percoveredpersonpertrip.

Common Carrier Travel Accident Insurance5

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.

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.

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.

• 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nancialinstitutions

aroundtheworld.

• 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ofceforCashAdvancesorcontactnumbers

forembassiesandconsulates.

• Staying connected to important people.Intheeventofan

emergency,messagescanbeforwardedtofamilymembersathome.

Optional Business TD Auto Club Membership

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.

wFind out more at tdcanadatrust.com/autoclub

Insurance

7 8

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.

910

Cover business expenses with TD Visa Cheques

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.

wTo learn more call 1-800-983-8472

Save time on regularly recurring bill payments

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simpliestheonline

checkoutprocess.It’savailableanywhereyouseetheVisaCheckoutlogo.

wEnroll now: Visit visacheckout.ca

Enjoy the convenience of your TD Business Visa* Card

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.

Emergency Travel Assistance Services10

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:

• 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

Convenience

11 12

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.

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Identication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difcult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.

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

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

Card Security

13 14

Fraud protection (24-hour)

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conrm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.

1 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

15 16

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

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.

Contact and Support

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