PRESTO Card Terms and Conditions

Effective July 2024

PRESTO Service Agreement

This is the agreement between you and the PRESTO Service ("PRESTO") operated through and by Metrolinx, a Crown Agency within the meaning of the Crown Agency Act (Ontario) ("Metrolinx"), for PRESTO cards issued by or on behalf of PRESTO (this "Agreement"). For the purposes of this Agreement and the other documents or agreements incorporated by reference herein or which incorporate this Agreement by reference therein, the term "PRESTO Service" means the use by you of the PRESTO card or PRESTO in Mobile Wallet card, and the services offered by PRESTO in connection with your use of the PRESTO card including, but not limited to, use of the PRESTO website (as defined below), the PRESTO Contact Centre (as defined below), and the PRESTO app (as defined below).

If you have not already agreed to be bound by this Agreement at the time you applied for the PRESTO card or PRESTO in Mobile Wallet card, then by activating or using your PRESTO card or PRESTO in Mobile Wallet card, you will be deemed to have agreed to the terms and conditions provided in this Agreement.

Definitions: In this Agreement, "PRESTO card" means a physical PRESTO card; "PRESTO in Mobile Wallet" means a PRESTO card stored on a mobile device; the applicant for PRESTO Service and/or a PRESTO card and the user of the PRESTO card is referred to as "you" or "your"; PRESTO is referred to as "PRESTO", "PRESTO app" means the mobile application published by Metrolinx for use with the PRESTO service; "Transit Agency" refers to GO Transit, Brampton Transit, Burlington Transit, Durham Region Transit, Hamilton Street Railway Company, MiWay (Mississauga), Oakville Transit, Toronto Transit Commission, Union-Pearson Express, York Region Transit, OC Transpo (Ottawa) and any other transit agency that accepts payment for its services by way of the PRESTO card that may be added from time to time, and "Transit Agency" refers to any one of them.

Privacy Policy and Authorization for Information Sharing

You agree that the information provided in your PRESTO card or PRESTO in Mobile Wallet card application and any data PRESTO receives as a result of the use of your PRESTO card, PRESTO in Mobile Wallet card, and the PRESTO Service may be collected, used and disclosed in compliance with the PRESTO Privacy Policy.

The PRESTO Privacy Policy can be accessed by visiting the PRESTO website at www.prestocard.ca (the "PRESTO website"). Without limiting the generality of the foregoing, as a registered cardholder who provides us with an email address or phone number, you hereby expressly authorize PRESTO to contact you from time to time by email or phone, for the purpose of managing your My PRESTO Account and providing you with services related to your PRESTO card or PRESTO in Mobile Wallet card, including confirmation of reloads and verification of accounts.

You hereby certify that all information provided by you to PRESTO is correct and that you will notify PRESTO in the event of any changes to such information.

You authorize PRESTO to share all such information and data with the Transit Agencies identified herein.

PRESTO Card and PRESTO in Mobile Wallet Use

To be able to use your PRESTO card, it must first be activated (which is done automatically when purchased from certain sources). You may activate your card by tapping it on a PRESTO reader. Once activated and when funds are made available in your My PRESTO Account (as defined below), you may use your PRESTO card to pay for transit services at any participating Transit Agency in Ontario within the scope of any applicable limitations imposed on the use of the PRESTO card by any Transit Agency, as applicable. PRESTO cards may be converted to a PRESTO in Mobile Wallet card via the PRESTO App. PRESTO in Mobile Wallet cards are activated using the mobile wallet on your device. PRESTO in Mobile Wallet cards may not be accepted at all Transit Agencies. A PRESTO card registered in the name of a card holder is referred to herein as a "Registered PRESTO card". A PRESTO in Mobile Wallet card registered in the name of a card holder is referred to herein as a "Registered PRESTO in Mobile Wallet card".

You agree to pay to PRESTO an issuing fee of $4.00 (the "Issuing Fee") for each PRESTO card and $0.00 (the "Issuing Fee") for each PRESTO in Mobile Wallet card issued to you. You agree that the term of each PRESTO card is from the date of issuance of the PRESTO card to the date your balance is transferred to another PRESTO card (the "Term"). PRESTO cards do not expire, even if there is an expiry date shown on the card. PRESTO cards can still be used after the indicated expiry date. PRESTO in Mobile Wallet cards do not expire and do not have an expiration date shown.

Every time you ride transit provided by any Transit Agency you tap the PRESTO card or PRESTO in Mobile Wallet card lightly on a card reader machine located at the transit vehicle door or at a transit station. The system instantly calculates and deducts the correct fare or recognizes your individual PRESTO card or PRESTO in Mobile Wallet card. If you have tapped on at the start of your journey, and are required to tap off, but you fail to tap off correctly, your contactless payment media may automatically be charged the maximum fare amount that is specified in the Transit Agency's by-laws or terms and conditions. When you use the PRESTO card or PRESTO in Mobile Wallet card at any Transit Agency location, you authorize PRESTO to debit your My PRESTO Account or PRESTO in Mobile Wallet card for the specific charges incurred per use or to validate that an active pass is loaded on the card.

We will not authorize a transaction at a Transit Agency location if: (i) there are insufficient funds in your My PRESTO Account (except as set out below); (ii) your My PRESTO Account, PRESTO card or PRESTO in Mobile Wallet card has been suspended; (iii) your My PRESTO Account has been closed; or (iv) your PRESTO card or PRESTO in Mobile Wallet card has been reported lost or stolen. Provided a Registered PRESTO card has a positive balance at the beginning of a travel transaction (and the events set out in (ii), (iii) or (iv) above have not occurred), the holder of a Registered PRESTO card can travel once, resulting in a negative balance, with the exceptions of GO Transit and UP Express. This is so that such holder is not stranded at a location prior to the suspension of the PRESTO card. PRESTO in Mobile Wallet cards will not be allowed to travel into a negative balance. For additional information on how fares work with PRESTO on GO Transit and UP Express, refer to the applicable agency website.

Your My PRESTO Account

When you apply and are accepted for the PRESTO Service pursuant to the terms hereof which are incorporated by reference into the PRESTO card application form, we will set up an account for you ("My PRESTO Account"), to keep track of the funds you deposit into your My PRESTO Account, the use of the PRESTO card(s) or PRESTO in Mobile Wallet card(s) connected to your My PRESTO Account, and all other transactions associated with your My PRESTO Account.

Registered PRESTO card holders can review their transaction history by visiting the PRESTO website or by contacting the PRESTO Contact Centre (the "PRESTO Contact Centre") at 1-877-378-6123 or TTY: 711 or 1-800-855-0511. Registered PRESTO in Mobile Wallet card holders can review their transaction history via the PRESTO app.

The My PRESTO Account is a prepaid account used to facilitate payments for transit services with the Transit Agencies. No interest will be paid on your My PRESTO Account, and any funds put into your My PRESTO Account are not considered to be deposits insured by the Canada Deposit Insurance Corporation or any other insurer. The funds put into your My PRESTO Account may be refunded to you, subject to a 4% administration fee, if (a) you have a Registered PRESTO card or Registered PRESTO in Mobile Wallet card, or (b) PRESTO closes your My PRESTO Account without cause (as defined below) and attempts to refund such amounts to you pursuant to the terms of this Agreement or as otherwise set out herein. Please see section entitled "Refunds" below for more details.

Options For Adding Funds To Your My PRESTO Account

General

You have several options for adding funds to your My PRESTO Account. In certain cases, there are references to a "CCDC Agreement" which means an agreement through which we will charge your credit card or debit card for the appropriate charge; and also to a "PAD Agreement" which is an agreement between us whereby you pre-authorize us to debit a chequing account of your choice at a Canadian financial institution (for convenience, referred to as a "bank"). There may be additional terms in a CCDC Agreement or PAD Agreement you may enter into.

The payment information provided by you on your CCDC Agreement or PAD Agreement is kept on file by PRESTO allowing you to add value to your PRESTO card via the PRESTO website or the PRESTO Contact Centre without having to provide that information every time you call the PRESTO Contact Centre or access the PRESTO website. For CCDC Agreements, PRESTO will charge your indicated payment method in the amount you chose in your CCDC Agreement, or in such other amount as you and we may later agree. For PAD Agreements, PRESTO will initiate a withdrawal request from the bank account provided in the amount you chose in your PAD Agreement, as applicable, or in such other amount as you and we may later agree. You must ensure that funds are available in your bank account to cover any Autoload or Saved Payment Method withdrawal request.

In-Person My PRESTO Account Loading

You can load money or passes on your PRESTO card or PRESTO in Mobile Wallet card through PRESTO salespeople at certain locations. Funds will be available on your My PRESTO Account immediately.

Web-Based My PRESTO Account Loading

You can use your credit card and/or debit card to load money or passes on your PRESTO card through the PRESTO website. Simply click through the instructions starting with "Load Your Card." It can take up to 24 hours for the funds to be added to your My PRESTO Account. Please note that you must tap your card to a device within 30 days in order for your transaction to be completed. If you do not tap within 30 days your transaction will be cancelled and funds will be refunded to your method of payment. Passes are not eligible for refunds. All pass sales are final.

PRESTO in Mobile Wallet cards may be loaded through the mobile wallet application on your mobile device or the PRESTO app.

Autoload

As a holder of a Registered PRESTO card or Registered PRESTO in Mobile Wallet card you can authorize PRESTO to arrange for your My PRESTO Account to be automatically topped up when your My PRESTO Account goes below a minimum balance of your choosing ("Autoload"). This can either be done by credit or debit card or by pre-authorized debit. You will set the minimum balance and related increase on your CCDC Agreement or PAD Agreement, as applicable. When your account goes below the indicated balance, funds will be immediately added to your account. There is a minimum load limit of $20.00.

Reload with Saved Payment Method

As a holder of a Registered PRESTO card or Registered PRESTO in Mobile Wallet card you can authorize PRESTO to arrange for your My PRESTO Account to be topped up upon your request for an amount you choose from time to time ("Saved Payment Method"), by contacting the PRESTO Contact Centre or by visiting the PRESTO website, through the use of the payment information provided by you in the CCDC Agreement or PAD Agreement, as appropriate. Your funds will be credited to your My PRESTO account within 24 hours if you are using a credit card or debit card, or within 5-6 days if you are using pre-authorized debit. Please note that you must tap your card to a device within 30 days in order for your transaction to be completed. If you do not tap within 30 days your transaction will be cancelled and funds will be refunded to your method of payment.

Autorenew

As a holder of a Registered PRESTO card or a Registered PRESTO in Mobile Wallet card you can authorize PRESTO to arrange for your My PRESTO Account to have your transit pass automatically renewed ("Autorenew") based on your selected Transit Agency's pass product and chosen end date as identified by you on the applicable CCDC Agreement or PAD Agreement. Provided that there are no issues with payment, your pass should be activated on the first day of the pass' period. Autorenew may not be available for all transit passes.

Changes to banking information

In order to prevent disruption to any Autoload, Saved Payment Method or Autorenew withdrawal request, you must notify us at least ten (10) days in advance if your credit card, debit card, or bank account information specified in your CCDC Agreement or PAD Agreement associated with your Autoload, Saved Payment Method or Autorenew arrangement changes.

Refused Autoload, Saved Payment Method or Autorenew

If any Autoload, Saved Payment Method or Autorenew transaction is not honoured for any reason, such as your bank account having insufficient funds or your credit or debit card having been cancelled, PRESTO: (i) may charge you a fee for the failed refill transaction; (ii) will reverse any provisional credit given to your My PRESTO Account in respect of the refill transaction; and/or (iii) will suspend or end the Autoload, Saved Payment Method or Autorenew arrangement; upon confirmation, satisfactory to PRESTO, that the funding account has been restored to good status, a new Autoload, Saved Payment Method or Autorenew arrangement can be established. In addition, an Autoload/Saved Payment Method/Autorenew collection letter (the "Autoload/Saved Payment Method/Autorenew Letter") may be sent to the address you provided to PRESTO upon registering for your PRESTO card or PRESTO in Mobile Wallet card. You will be required to comply with the terms of the Autoload/Saved Payment Method/Autorenew Collection Letter in order to reactivate your PRESTO card. You may be asked to enter into a new CCDC Agreement or PAD Agreement.

Account Creation

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