Legal and Copyright

Legal 


St. Joseph's Credit Union Limited provides its web site and services to you subject to the following terms and conditions of use, which may be updated by us from time to time without notice to you. Each time you use this Web site you indicate your acknowledgment and acceptance of the terms and conditions below. If you do not accept these terms and conditions, you should not use this Web site.


    

  1. Copyright Information 
    2. 

  2. Trademark Information 
    3. 

  3. Warranties and Limitation of Liability 
    4. 

  4. Information 
    5. 

  5. Privacy and Security 
    6. 

  6. Links to Third Party Sites 
    7. 

  7. Use of Cookies 
    8. 

  8. Direct Service Agreement-Personal
    9. 

  9. Direct Service Agreement- Small Business
    10. 

  10. Standard Terms and Conditions
    11. 

  11. Business Standard Terms and Conditions
    12. 





Copyright Information


The information, artwork, text, video, audio, and pictures contained our website, and the website design, content and arrangement are protected by copyright laws. You may download information from our website for your personal, non-commercial viewing, but you may not otherwise copy, reproduce, republish, post, transmit, distribute or modify anything from our website without our prior written approval.

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Trademark Information


St. Joseph's Credit Union , SJCU , the St. Joseph's Credit Union logo, MEMBERDIRECT and all other trade-marks and trade names of St. Joseph's Credit Union appearing on this web site are owned by (or licensed to) St. Joseph's Credit Union and may not be used in connection with any product or service that is not St. Joseph's Credit Union  , in any manner that is likely to cause confusion, or in any manner that disparages or discredits St. Joseph's Credit Union. 

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Warranties and Limitation of Liability


This website, and the information and documents provided on it, are provided “as is” without any warranties of any kind, express or implied, as to the operation of this website, our services, or the information, content, materials, services, or products included or referenced on this website. [St. Joseph's Credit Union uses reasonable efforts to include accurate and up-to-date information on this Web site; it does not, however, make any representations as to its accuracy or completeness. Your use of this Web site is at your own risk. St. Joseph's Credit Union, its suppliers, and the other parties involved in creating and delivering this Web site's contents are not liable for any direct, indirect, special or consequential damages arising from use of this site, including any damages you may suffer as a result of your personal information being transmitted between you and St. Joseph's Credit Union.


TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, ST. JOSEPH'S CREDIT UNION DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

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Information


All information provided on this website is believed to be accurate and reliable when it was posted on this site. However, we cannot guarantee that all information is accurate, complete or current at all times. The material on our website is for informational purposes only; it is not intended to be financial or legal advice. Please contact us at admin@stjosephscreditu.ca for more information before you act on any materials or information you see on our website. The information on this website does not constitute an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make such a solicitation. The products and services offered by [Credit Union Name] are subject to various terms and conditions. For more information, call TeleService at 1-800-563-3300 or email us at admin@stjosephscreditu.ca.

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Privacy and Security


For more information, please visit our Privacy and Security section.

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Links to Third Party Sites


St. Joseph's Credit Union Web site may contain images of and links to third party Web sites ("Linked Sites"). The Linked Sites are not under the control of St. Joseph's Credit Union and St. Joseph's Credit Union  is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. St. Joseph's Credit Union  is not responsible for webcasting or any other form of transmission received from any Linked Site nor is St. Joseph's Credit Union responsible if the Linked Site is not working appropriately. St. Joseph's Credit Union is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by St. Joseph's Credit Union of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites.


Any dealings that you have with third parties (including advertisers) using any Linked Sites, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings are solely between you and the third party. St. Joseph's Credit Union shall not be responsible or liable in any way for any part of such dealings.


If you wish to provide a link to our website from your website, please contact admin@stjosephscreditu.ca.

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Use of Cookies


Occasionally, in order to provide better service, a "cookie" will be used. A cookie is a small piece of information which a web site stores on your web browser on your computer and can later retrieve. The cookie cannot be read by a Web site other than the one that set the cookie. We use cookies for a number of administrative purposes. They let us store information that you have already told us, so we don't have to ask you again. They also allow us to measure what parts of our site customers prefer to see, and what parts are less popular. Most cookies last only through a single session, or visit. None will contain information that will enable anyone to contact you via telephone, mail, or e-mail. You can set up your web browser to inform you when cookies are set or to prevent cookies from being set.


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Direct Service Agreement


This Agreement outlines the terms and conditions governing the Depositor’s use of Direct Services (defined below). The Financial Institution does not offer Direct Services other than in accordance with these terms and conditions. By requesting and using Direct Services, the Depositor acknowledges their acceptance of these terms and conditions


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