Zero Liability applies to your purchases made with your credit card in the store, over the telephone, online for via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if:

• You have used reasonable care in protecting your cards from loss or theft.
• You have reported to Cardholder Service at 1.855.341.4643 (Canada and U.S.) or 1.647.252.9564 (International Collect) when you knew that your credit card was lost or stolen.

If you believe there has been unauthorized use on your account and you meet the conditions above, you are protected by Zero Liability. If you do not meet the conditions above, please reference your Cardholder Agreement for additional information regarding liability.