To enjoy the benefits of the Build Up Plan program from Réno-Dépôt† (hereinafter called the “Program”), you must be a resident of Canada and have a Réno-Dépôt private label consumer card (hereinafter called the “Réno-Dépôt card”). All Réno-Dépôt card applications are subject to the approval of the Fédération des caisses Desjardins du Québec (the “Fédération”) Credit Department. Certain conditions apply. Cardholders must refer to the variable credit agreement (VCA) of the Fédération for all other terms of credit.
The Réno-Dépôt card is accepted at participating RONA, Réno-Dépôt, Botanix, Totem Building Supplies and Chester Dawe stores, as well as at other RONA Inc. (hereinafter called “RONA”) banners. The complete list of participating retailers is available at ronavdantages.ca.
The Program is open exclusively to individual consumers; corporations and other organizations are not eligible. With the exception of the AIR MILES® program, a Réno-Dépôt card cardholder may not combine Program offers with any other existing program, including but not limited to: an available volume discount or rebate program, or a commercial agreement, whether or not linked to a charge account at a particular store..
Réno-Dépôt card cardholders receive 1 AIR MILES reward mile for every $20 in purchases charged to their Réno-Dépôt card, according to their billing cycle. The number of AIR MILES reward miles awarded is rounded down to the next whole number; fractions of reward miles are not awarded. AIR MILES reward miles are awarded on all transactions made with the Réno-Dépôt card (sales minus returns) at participating RONA, Réno-Dépôt, Totem Building Supplies, Botanix and Chester Dawe stores, as well as at other participating RONA banners. Interest charges and other fees are excluded from the calculation of AIR MILES reward miles. AIR MILES reward miles are transferred to the collector’s AIR MILES account up to thirty (30) days following the issuance of the collector’s Réno-Dépôt account statement.
To receive AIR MILES reward miles, the cardholder must provide his/her AIR MILES collector number in the appropriate space on the Réno-Dépôt credit card application form. Réno-Dépôt card cardholders who do not have an AIR MILES Collector Card must request one online at www.airmiles.ca. Réno-Dépôt card cardholders must then provide the Fédération with their AIR MILES collector number by calling 1-800-363-3380. AIR MILES reward miles begin accumulating from the date on which the Fédération receives the Réno-Dépôt cardholder’s AIR MILES collector number. The retroactive issuance of AIR MILES reward miles is not authorized nor granted. This offer may be modified or cancelled without notice.
To receive up to 2x the AIR MILES reward miles, Réno-Dépôt card cardholders must pay for their transactions using the Réno-Dépôt card and present their AIR MILES Collector Card at the same time. The standard base AIR MILES offer at Réno-Dépôt is: 1 AIR MILES reward mile for every $20 in monthly purchases before taxes.
Bonus mile offers apply only upon presentation of the AIR MILES Collector Card and do not apply to the Réno-Dépôt card, with the exception of AIR MILES promotional offers linked to use of the Réno-Dépôt card which may be in effect from time to time.
If AIR MILES bonus miles are issued through a promotion linked to the use of the Réno-Dépôt card, they will be issued only in respect of the offer’s conditions.
Réno-Dépôt reserves the right to change, suspend or cancel the benefits described herein, in part or in whole, at any time, with or without notice to the cardholder.
Réno-Dépôt card cardholders can obtain from Réno-Dépôt up to 5% cash back annually in the form of Réno-Dépôt gift cards. The amount of the annual cash back in the form of Réno-Dépôt gift cards is determined as a percentage ranging between 2% and 5% according to the rebate scale shown below. All transactions charged to the regular limit, as well as those charged to the Desjardins Accord D financing limit for the Réno-Dépôt card, are included in cash back calculation. Taxes, interest charges and other fees are excluded from the calculation. To be eligible for the rebate, the value of the annual purchase transactions posted to the Réno-Dépôt card, less the value of the annual return transactions posted to the card, must exceed $2,000, in which case an annual cash back rebate percentage will be determined as per the rebate scheme below.
The annual limit for cash back in the form of Réno-Dépôt gift cards is $1,000.
Detailed cash back scale based on annual purchases before taxes :
| $2 000,00 to $4 999,99 | = | 2% |
| $5 000,00 to $7 499,99 | = | 3% |
| $7 500,00 to $9 999,99 | = | 4% |
| $10 000,00 or more | = | 5% (max. $1,000) |
Annual cash back examples :
| Example 1 | |
|---|---|
| Total of all transactions (before taxes) charged to the Accord D Desjardins financing limit | 350 $ |
| Regular purchases (before taxes) charged to the card | 100 $ |
| Merchandise returns (before taxes) charged to the card | 25 $ |
| Total value of all transactions (before taxes) | 425 $ |
No cash back will be issued, as the $2 000 minimum has not been reached.
| Example 2 | |
|---|---|
| Total of all transactions (before taxes) charged to the Accord D Desjardins financing limit | 5 000 $ |
| Regular purchases (before taxes) charged to the card | 1 500 $ |
| Merchandise returns (before taxes) charged to the card | 100 $ |
| Total value of all transactions (before taxes) | 6 400 $ |
| Cash back percentage reached | 3 % |
| Value of the cash back in the form of Réno-Dépôt gift cards | 192 $ |
| Example 3 | |
|---|---|
| Total of all transactions (before taxes) charged to the Accord D Desjardins financing limit | 23 000 $ |
| Regular purchases (before taxes) charged to the card | 4 500 $ |
| Merchandise returns (before taxes) charged to the card | 500 $ |
| Total value of all transactions (before taxes) | 27 000 $ |
| Cash back percentage reached | 5 % ou maximum de 1 000$ |
| Value of the cash back in the form of Réno-Dépôt gift cards | 1000 $ |
Cardholders are responsible for verifying every account statement they receive. They must advise the Fédération of any error or omission on their account statement within 15 days of the statement date.
Réno-Dépôt reserves the right to ask the cardholder to provide copies of invoices for transactions posted to his or her Réno-Dépôt account in order to calculate the annual cash back in the form of Réno-Dépôt gift cards. Réno-Dépôt shall not be held accountable, and will not accept liability, in case of any error on the part of the Fédération.
Cardholders who believe that they have not received the correct annual cash back amount in the form of RONA gift cards must provide proof, in writing and with the supporting documents (sales receipts), to the following address:
RONA Inc.
Attention: Marketing Department - Build Up Plan
220 Chemin du
Tremblay
Boucherville QC J4B 8H7
Réno-Dépôt gift cards issued as part of the Program are considered to be promotional gift cards and are valid for a period of 36 months from their activation date. The Réno-Dépôt gift cards are deemed to be active from the moment they are sent by registered mail or delivered directly to the Réno-Dépôt cardholder in any other manner. The Réno-Dépôt cardholder must accept the Réno-Dépôt gift card’s terms and conditions as stated on the back of each card.
Réno-Dépôt reserves the right to change, suspend or cancel the benefits described herein, in part or in whole, at any time with or without notice to the cardholder.
At all times, to benefit from one of the payment options described below, the cardholder must request it from the merchant at the time of the transaction.
These payment options are, at all times, subject to approval by the Fédération Credit Department. Interest rates are subject to change at any time without notice to the cardholder.
The financing options offered by Réno-Dépôt cannot be used for the purchase of RONA gift cards.
A participating retailer may, at its sole discretion, ask the cardholder to pay the taxes at the time of the transaction, in which case they will be charged to the regular limit of the Réno-Dépôt card cardholder. This benefit does not apply to online purchases.
If the financed amount is not paid in full by the payment deadline, it will be converted into financing payable in equal monthly instalments (included in the minimum payment due on the credit card), in accordance with the financing plan offered by the merchant, up to a maximum of 19.9%, as per the table below:
| Balance at the due date | Number of equal monthly instalments |
|---|---|
| Less than $1 000,00 | 12 |
| $1 000,00 to $2 999,99 | 24 |
| $3,000,00 or more | 36 |
Example :
Annual interest rate of 19,9% on $500 balance on the due date; 12 instalments of $46,29; total of $555,52; cost of borrowing: $55,52.
This plan enables cardholders to obtain a two-month, interest-free grace period, starting from the time of the first purchase, to carry out all purchases and returns related to a given project. At the end of this two-month grace period, the total value of the purchases charged as part of the plan are split into 36 equal instalments bearing a fixed annual interest rate.
The annual interest rate is a function of the final balance of multiple purchases made as part of the renovation project by the last day of the two-month grace period.
The table below illustrates the payment terms :
For a final balance of $2 499,99 or less
| Financed amount | Annual interest rate | Equal instalment amount | Total | Total cost of borrowing |
|---|---|---|---|---|
| 400 $ | 13,5 % | 36 instalments of $13,57 | 488,87 $ | 88,67 $ |
For a final balance of $2 500 or more
| Financed amount | Annual interest rate | Equal instalment amount | Total | Total cost of borrowing |
|---|---|---|---|---|
| 3 000 $ | 6 % | 36 instalments of 91,27 $ | 3285,57 $ | 285,57 $ |
Interest rates are subject to change without prior notice. See details in store.
Other promotional, interest-free financing plans may be offered now and then and will apply for a limited time and with certain conditions.
Réno-Dépôt reserves the right to change, suspend or cancel the benefits described herein, in part or in whole, at any time with or without notice to the cardholder.
Les Idées Réno-Dépôt magazine will be sent free of charge to the address listed on the Réno-Dépôt card account. Réno-Dépôt reserves the right to choose which edition of the Les Idées Réno-Dépôt magazine to send. This offer may be modified or cancelled without notice.
Réno-Dépôt reserves the right to change, suspend or cancel the Build Up Plan Program, in part or in whole, at any time with or without notice. Aspects affected by the change may include the AIR MILES reward mile offer linked to the Réno-Dépôt credit card, the value of the annual cash back in the form of Réno-Dépôt gift cards, or the scale used to calculate the cash back. AIR MILES reward miles and cash back in the form of Réno- Dépôt gift cards may not be transferred to another person. Réno-Dépôt reserves the right to reclaim previously issued AIR MILES and/or cash back in the form of Réno-Dépôt gift cards without notice to the cardholder in the event that the cardholder, with respect to the Program: fails to honour its terms and conditions; commits fraud or makes false or misleading statements; or otherwise misuses the Program. The Réno-Dépôt card cannot be used to pay, in part or in whole, the balance of a charge account held with a Réno- Dépôt retailer. Réno-Dépôt is solely responsible for administering the Program. By taking part in the Program, the cardholder agrees to compensate, indemnify and hold harmless Réno-Dépôt its subsidiaries and all merchants of the RONA network with respect to any loss or damages that may be incurred by the cardholder while taking part in the Program, including but not limited to any litigation respecting the cardholder’s AIR MILES reward miles balance and the value of the cash back in the form of Réno-Dépôt gift cards. The collection, use and disclosure of personal information is governed by the privacy policy published and made available on renodepot.com, and in accordance with the consent clause included on the Réno-Dépôt credit card application and the relevant terms and conditions of the VCA. The Program is subject to the applicable laws and bylaws of both the province of Quebec and of Canada.
The Fédération shall not be held accountable in the event that a merchant refuses to accept the Réno-Dépôt card. The Fédération shall not be responsible for the management and advantages of the À vos Rénos program associated with the Réno-Dépôt card, and any dispute regarding the advantages and rules of said program must be settled between Réno-Dépôt and the cardholder. The cardholder thus releases the Fédération, its members, agents, clerks, employees, administrators and officers from all claims associated with this program.
The Réno-Dépôt card is the property of the Fédération, which reserves the right to withdraw or have withdrawn and terminate, in part or in whole, one or more of the services it offers, without notice to the cardholder. In none of the above cases shall the Fédération’s liability be called into question. RONA shall not be held liable for any decision on the part of the Fédération in this respect.
* The information about the deferred-payment and multi-purchase financing plans are for information purposes only. Cardholders must consult their variable credit contract for the conditions that overrule the information presented herein.
®/™ Trademarks of AIR MILES International Trading B.V.
Used under license by LoyaltyOne and RONA Inc.
† 4536631 Canada inc.
(Réno-Dépôt) hereinafter referred to as “Réno-Dépôt”.