The Energy Credit Union Limited
(hereinafter referred to as TECU or Credit Union)

Web Site - Terms of Use

All content on this site is the property of TECU unless otherwise noted. If you use our Web site, you accept and agree to be bound by and comply with the following terms of use.

General

Your access to and use of all the services and products of TECU Credit Union Limited and its network affiliates described on this site are governed primarily by the terms and conditions of the relevant paper agreements you have physically signed at the Branch or specific electronic agreements you have signed electronically. For deposit, withdrawal, LOC/overdraft protection, chequing services, Automated Banking Machine access, and Internet and Telephone Teller Banking access, we refer you to your Member Account Agreement for a more in-depth explanation of our respective responsibilities. For loans and mortgages, we refer you to the various forms or agreements used to document your borrowing transactions. For MasterCard® services, we refer you to the MasterCard Terms of Operation. The terms and conditions of other Agreements and any other conditions or agreements which now or may in the future exist between you and the Credit Union regarding any Accounts shall remain in full force and effect and shall apply to the relevant product or service you obtain from the Credit Union, except as expressly modified or supplemented by these Terms of Use in order to take into consideration the additional factor of your use of the web site to access the product or service. In the event of an irreconcilable conflict, the terms and conditions of these other Agreements shall supercede the Terms of Use for this web site.

We reserve the right to change the information, material and content found in the pages of this site, including these Terms of Use, at any time without notice, by simply updating this site. You agree to review these Terms periodically, and your continued use of this site will tell us that you have agreed to the changes.

While TECU believes the information contained on the TECU web site to be correct and attempts to keep the information current, TECU does not warrant the accuracy or completeness of any such information and expressly disclaims any liability for errors or omissions in this information; and any links to other web sites are provided for convenience only and no endorsement of any third party products or services is expressed or implied by any information referred to or linked from or to the TECU web site. Your use of this web site is at your own risk. TECU, its suppliers, and the other parties involved in creating and delivering this web site's contents are not liable for any damages arising from use of this site.. We cannot and do not promise that the site will always be available and meet your needs, that access will never be uninterrupted, that there will never be delays, failures, errors or omissions or loss of transmitted information, that the software we use will be compatible with your system, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your own computer system. Please consult any branch of The Energy Credit Union Limited for complete and up-to-date information on products and services. Furthermore, it is your sole responsibility to adequately protect and backup your data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties on your own system.

We must also warn you that unencrypted e-mail communications over the Internet are not secure nor private. We strongly recommend that you do not send personal or financial information to us using unencrypted e-mail or a web browser with less than 128 Encryption capability. Notwithstanding this, we do not accept liability or responsibility for your personal or financial information becoming public through no fault of our own, by way of accident or fraud on the part of third parties.

If you do communicate with us by means of e-mail, we will assume, unless you advise us otherwise, that you consent to our using the information you have sent to us, including your e-mail address, for the purpose of developing and sending an appropriate response to your communication, and disclosing it to such other advisory parties as we deem appropriate for that purpose.

Members Only

It is important for you to understand that not all of the products and services described in the pages of this web site and the information found therein, is offered to or available to every member of the general public. The information on this site is not to be construed as an offer or solicitation to buy or sell any product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot lawfully be made or to any person or entity to which it is unlawful to make an offer. Only individuals or entities that qualify for membership in TECU under its By-laws and who are in fact admitted to membership, are eligible to purchase the products and services described in the pages of this web site, and make use of the information contained therein.

Non-Specific General Information Only

The information contained in the pages of this web site is of a general nature only, and is not intended to provide specific legal, accounting, financial or tax advice that might be relevant to your own individual circumstances. You should not act or rely on the information without first seeking the advice of professionals who can properly assess whether or not it applies to your own situation. All product features explained throughout this site are correct at time of issuance and subject to change. The information supplied within this site is for our members' use only and does not constitute an offer or contract. You may contact our Member Service Representatives at 416-542-2522 Monday to Friday, 8:30am to 3:00pm for details including up-to-the minute features and other information.

Third Parties/Linked Web Sites

Linked web sites are not under the control of TECU and TECU is not responsible for their content. You are responsible for viewing and complying with the privacy statements and terms of use posted at the linked web sites. No endorsement or approval of any third parties (other than persons or entities with which TECU has a networking arrangement to provide products and services to its members), or their advice, opinions, information, products or services, is expressed or implied by any information contained on the pages of this web site, including Links to their own web sites. If you use the Links to access other Internet resources or web sites, you do so at your own risk. We do not investigate, verify, or monitor these Links. Any dealings that you have with third parties using any linked web sites including the delivery of and payment for goods and services, and any other terms, conditions, representations or warranties associated with such dealings are solely between you and the third party. TECU will not be responsible for any part of such dealings.