Mastercard Identity Check Terms and Conditions of Use  
for BMO Harris Bank  Card Customers  
 
Please read these terms carefully before using the MasterCard Identity Check  service  (the 
Service)  for online transactions using your  card issued by  BMO Harris Bank .  
In this Agreement, BMO Harris, we, us, or our refers to BMO Harris Bank N.A.  
You, your, or yours refers to the user of the Service.  
1.    DEFINITIONS  
1.1 �Verification Codes�  
A unique 6 -digit number sent to your chosen mobile number, landline telephone number, or 
email address.  
 
2.    DESCRIPTION OF THE SERVICE  
2.1 Mastercard Identity Check is a secure payment scheme that allows you to make online 
purchases from retailers part icipating in this scheme. When you use your BMO Harris Bank card 
to make an online transaction, your transaction may go through the Mastercard Identity Check 
authentication process where it will be assessed for risk. You may then be prompted to enter a 
Verification Code which will be sent by  text, voice, or email.   If you choose not to follow the 
Mastercard Identity Check authentication process when prompted, you will not be able to 
proceed with the transaction.  
2.2 Your Verification Code  can only be sent t o a mobile , landline number , or email address 
registered with BMO Harris Bank so you must make sure your contact details are up to date on 
your BMO Harris Bank card account.   You will have the opportunity to choose the method of 
receiving your Verification Code on the screen.  If your personal details change, you must notify 
us immediately to ensure that our records are up to date and so you can continue to transact 
online.  
2.3 You are responsible for any fees or charges imposed by your telephon e service provider in 
relation to receiving text, voice, or email . It is your responsibility to ensure your mobile , landline 
telephone  or email address  is able to receive the Verification Code.   2.4 By using this Service, you confirm that you accept these T erms and that you agree to 
comply with them. If you do not agree to these Terms, you must not use this Service.   
3. SECURITY  
3.1 You must ensure that your Verification Code is kept confidential at all times. You must not 
disclose the Verification Code to a nyone else or write it down.  
3.2 We reserve the right to pass any information we obtain in connection with the Service to the 
police, any prosecuting authority or any financial services regulatory authority to allow an 
investigation into suspected use of y our identity details by someone else, or other fraudulent 
activity.  
 
4.    LIMITATION OF LIABILITY  
4.1 You agree that BMO Harris shall not be liable to you or to any third party for any 
modification, suspension or discont inuance of the Service.  
 
4.2 You agree that to the extent permitted by applicable law, we will not be liable to you for any 
damages in connection with the use of the Service. In no event will we be liable to you for any 
indirect, special, punitive, conseq uential or other damages, including without limitation, loss of 
profits, loss of use, loss of data, interruption of business, damage to your computer or damage 
to your telephone or cable service resulting from your use of the Service.   
 
4.3 BMO Harris assu mes no responsibility for, and will not be liable for, any damages to, or any 
viruses which may affect, your computer equipment or other property on account of your use of  
this Service.  You should use your own virus protection software.  
 
5. TERMINATION  
5.1 Subject to any fees or charges which may be imposed by your telephone service provider 
(see section 2.3 above), the Service is provided to you free of charge. We do not guarantee that 
the Service will always be available or uninterrupted.  
5.2 We may suspend or terminate your use of the Service immediately if:  
 
5.2.1 We reasonably believe that someone else is using or trying to use your Verification Code 
and/or identity details ; 
5.2.2. A fraud investigation is taking place or we reasonably believe that you are, or someone 
else is, using the Service illegally;  
5.2.3. You are in breach of your BMO Harris Bank card agreement and/or these Terms; or   5.2.4. Your use of your BMO Harris Bank card  is suspended or terminated in accordance with 
your BMO Harris Bank card agreement, or your account with BMO Harris Bank is closed.  
5.3 We may suspend or withdraw or restrict the availability of all or any part of the Service for 
other reasons not listed a bove, such as where we are required to do so by Mastercard, to meet 
our legal or regulatory obligations, or due to business and operational reasons.  
6. YOUR OBLIGATIONS  
6.1 You will be liable for your use of the Verification Code.  
7. OTHER TERMS  
7.1 These Terms incorporate by reference the following additional terms, which also apply to 
your use of the Service:  
7.1.1 Our Privacy Policy � https://www.bmoharris.com/privacy . We will only use your informat ion 
as set out in the Privacy Policy.  
7.1.2 Your  governing  card agreement with BMO Harris Bank . 
8. TRADEMARKS  
8.1. BMO Harris Bank is a registered trademark of BMO Harris Bank N.A.  
8.2. Mastercard� and Mastercard Identity CheckTM are registered trademarks of Mastercard  
International Incorporated .