Frequently Asked Questions
 
   
  What is Aggregation ?
  • What is Account Aggregation?
  • How does Account Aggregation work?
  • Are there any charges associated with this feature?
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  • Who is CashEdge?
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      What about Privacy & Security ?
     
  • Does CashEdge now have access to all my passwords?
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  • How does CashEdge protect privacy?
  • Do I have to store my password with this feature?
  • What is the maximum number of eligible accounts I can add?
    •    
    What can I Aggregate ?
     
  • What type of accounts can I consolidate?
    •  
  • I have more than one account at a particular financial institution. Do I have to consolidate all of those
  • I have my mortgage (loan) account online at another financial institution. Can I consolidate this account?
  • Can I consolidate both my personal and my small business accounts?
  • How do I delete one or more of my added accounts?
  • Can I transfer money or pay bills from any of my accounts at other financial institutions?
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  • When I update my accounts, how long do I have to wait?
    •  
  • Can I add accounts that are not accessible via the Internet?
  • What if I no longer want account aggregation?
  • What exchange rates does Cashedge use for currency conversion?
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    What can I do about problems?
     
  • I tried to update my accounts and it didn't work. Why?
  • What if I accidentally removed an account?
  • I don't see my bank - what should I do?
    •  



    		 
      What is Aggregation ?  
      Q: What is Account Aggregation?  
      A: Account Aggregation allows you to view all of your online checking, savings, investment and credit card accounts from most financial institutions (not just those you hold with each bank) in one place.  
      Q: How does Account Aggregation work?  
      A: You simply input your user identification and password for each online financial institution that you would like to aggregate. This is stored in a secure area where it is protected and is not accessible by any party or parties (not even Cashedge). When you click on the update button, you will unlock your logon id and password and CashEdge will then log into your selected Internet services and on your behalf, copy the information, and present it.  
      Q: Are there any charges associated with this feature?  
      A: No. Currently CashEdge provides this feature free of charge. However, we do reserve the right to change our pricing policy. If we do change our pricing policy, you will be advised at least 30 days before the change becomes effective.  
      Q: Who is CashEdge?  
      A: CashEdge is an innovative technology company with headquarters in both New York and California. CashEdge also provides the servers that store all of the account information that you request be updated. CashEdge will not share any of this information with any other party unless you provide your express consent.  
         
      What about Privacy & Security ?  
      Q: Does CashEdge now have access to all my passwords?  
      A: No. A unique feature of aggregation is that your other login ids and passwords are always stored in a secure encrypted format and are not unscrambled during updating. In addition, your account balances from other financial institutions will only be updated at your request. This occurs in much the same way as when you use your bank's client card in another financial institution's bank machine. Your passwords are encrypted end-to-end and no one gets access to them. Other similar services may update your account balances automatically without being prompted. In order to be able to do this, the service provider must have access to your login id and password. CashEdge does not recommend these services, as you should never disclose this personal information to anyone without permission. Please read your account agreements with each of your financial institutions as you may be taking on additional liability if you disclose this information. Please note, as discussed above, CashEdge service does not require you to disclose this information because it is stored in an encrypted from and is not accessible by CashEdge.  
      Q: How does CashEdge protect privacy?  
      A: Protecting your privacy and safeguarding your personal information is of utmost importance to us. In order to fulfill this commitment, we have developed a series of policies and practices that govern the protection and use of your information. We utilize state-of-the-art technologies and maintain current security standards and physical, electronic or procedural safeguards to ensure that your personal and financial information is protected against unauthorized access or disclosure and inappropriate alteration or misuse. All data in the CashEdge system is stored and communicated using state of the art encryption (128-bit SSL). This standard is one of the strongest encryption methods available. Our employees are also guided by a set of Privacy principles and are required as a condition of employment to respect and maintain the security of your information. The core tenant of our policies and practices is that you control how your information is used and who has access to it. Without your consent, no one has access to your personal information.  
      Q: Do I have to store my password with this feature?  
      A: No. If you choose not to store your password you will be prompted at each update to input it at that time.  
         
      What can I Aggregate ?  
      Q: What type of accounts can I consolidate?  
      A: With CashEdge, you can consolidate bank accounts, credit cards and investments from financial institutions that you have online access with. We will work to broaden these account types over time (some upcoming options may include mortgages and RRSP).  
      Q: What is the maximum number of eligible accounts I can add?  
      A: In general, there is no limit to the number of eligible accounts you can add.  
      Q: I have more than one account at a particular financial institution. Do I have to consolidate all of those accounts within Account Aggregation?  
      A: No. You will be presented with the complete list of online accounts you hold at the financial institution and you can pick which of those accounts you would like to view.  
      Q: I have my mortgage (loan) account online at another financial institution. Can I consolidate this account?  
      A: You can view the balance of any account that is part of your online relationship with a financial institution. However, we can only provide you the transaction details for chequing, savings, credit card and investment accounts.  
      Q: Can I consolidate both my personal and my small business accounts?  
      A: Yes. You can now view both your personal and small business accounts in one convenient place.  
      Q: How do I delete one or more of my added accounts?  
      A: On the Profile page, highlight the account you wish to delete, and click on the delete button.  
      Q: Can I transfer money or pay bills from any of my accounts at other financial institutions?  
      A: No. If you would like to perform a transaction using an account from another financial institution you must click "EZ" button that will take you directly to the login page for that financial institution.  
      Q: When I update my accounts, how long do I have to wait?  
      A: Typically, when you click on the update ("U") button the balances are refreshed in less than 30 seconds. However the actual time depends on how busy the network is at that time.  
      Q: Can I add accounts that are not accessible via the Internet?  
      A: No. At this time we can only access financial institutions that you have an online relationship with.  
      Q: What if I no longer want account aggregation?  
      A: You can unsubscribe from Account Aggregation. On the Profile Page, click on the unsubscribe button.  
      Q: What exchange rates does Cashedge use for currency conversion?  
      A: Currency exchange rates are provided by xe.com, an independent reseller of currency exchange information. xe.com gathers currency exchange data from a variety of actual money-market trades and calculates exchange rates based on this data. A time-weighted average of these rates is then provided to CashEdge at 12pm EST each day. The exchange rates used by CashEdge therefore do not represent either a buy rate or a sell rate for the displayed currency relative to the denominated currency. In addition, the exchange rates used by CashEdge represent only an indication of the value of an account in a different currency and are calculated using an exchange rate that was obtained up to 24 hours previously. Neither xe.com nor CashEdge bears any responsibility for the accuracy of this information, nor for any action resulting from the use of this information. Click for more information on xe.com.  
         
      What can I do about problems?  
      Q: I tried to update my accounts and it didn't work. Why?  
      A: There are generally four potential reasons why an account balance update will fail. If an update fails, the date stamp will appear in red and an error code will follow it. The four error codes are:
    1. The user ID and/or password are incorrect or out of date. Please verify that the information for that institution is correct in the Profile section.
    2. The financial institution's site did not respond or is taking too long to reply. Please try to update again later.
    3. We are currently experiencing technical difficulties. Please try again later.
    4. You must enter your password for your account at the financial institution you are trying to access. For your convenience, you may store your passwords in the Profile section.    		  
      Q: What if I accidentally removed an account?  
      A: Unfortunately, if you mistakenly remove one of your accounts from the view feature, you will have deleted all of the information relevant to that account and you will need to add that account again.  
      Q: I don't see my bank - what should I do?  
      A: We intend to continually add financial institutions to our current list. Please contact Customer Service with your request where it will be added to the priority list.  


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