Canadian Credit Union Association – August 9, 2024
These Website Terms of Use (these “Terms of Use”) govern your access to and use of the Canadian Credit Union Association (CCUA) website (this “site”) and the content, information and services provided on or through this site. This site is owned by CCUA. Your use of this site will be deemed to constitute your acceptance of and agreement to be bound by these terms and conditions. Each time you use this site, the most current version of these terms and conditions will govern your use.
Your access to and use of this site is governed by the laws of Ontario, Canada without regard to the conflicts of laws principles thereof. You agree and hereby submit to the exclusive personal jurisdiction and venue of the courts of the Province of Ontario. CCUA reserves the right to seek all remedies available at law and in equity for violations of these Terms of Use, including the right to block access from a particular Internet address to this site.
Disclaimer of Warranties
Information and documents provided on this site are provided “as is” without any warranty. CCUA uses reasonable efforts to furnish accurate and up-to-date information, however, CCUA does not warrant its accuracy, adequacy, timeliness or completeness.
Your use of this site is at your own risk. In no event will CCUA, its suppliers and the other parties involved in creating and delivering this site’s contents be liable for any damages, losses or expenses of any kind arising from or in connection with this site or its use or any person’s inability to use this site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, loss of data or otherwise, even if CCUA, or its representatives, are advised of the possibility of such damages, losses or expenses.
No endorsement of any third-party products, services, or information is made or implied by any information, material, or content referenced or included on, or linked from or to this site.
Copyright
All material, trademarks or other intellectual property (“Intellectual Property”) appearing on this site is either the property of the Canadian Credit Union Association (CCUA) or is used with the authorization of the owner and is subject to copyright. You may copy information from this site for your personal or educational use only, provided that each copy includes any copyright or trademark notice or attribution as it appears on the pages copied. Information on this site (including Intellectual Property) may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes, without the express written permission of CCUA. Nothing on this site shall be construed as granting any license or right to use any Intellectual Property rights, whether by estoppel, implication or otherwise. You are also advised that CCUA will aggressively enforce its property rights to the fullest extent of the law, including criminal prosecution.
Trademarks
Below is a list of certain trademarks, trade names, logos, and names of associated goods and services (“Trademarks”) that appear throughout this site (note that this is not a full list of all Trademarks owned or used by CCUA):
®HANDS & GLOBE Design is a registered certification mark owned by the World Council of Credit Unions, used under license.
† Trademark of Interac Inc. used under license.
®ACCEC, ACCEC Design, ACCF Design, CCUA Design, ACCULINK, ACCULINK & Design, CU NATION, CU NEXTGEN, CUSOURCE, CUIC, CUDA, DING FREE, MEMBERDIRECT, MEMBERDIRECT & Design are registered trademarks owned by Canadian Credit Union Association.
® MEMBER CARD, MEMBER CARD Design, FAT CAT, various FAT CAT Designs, HEADSTART and HEADSTART & Design are registered certification marks owned by the Canadian Credit Union Association.
™CUSOURCE & Design, CUIC & Design, CUDA & Design, CU NEXTGEN & Design are trademarks owned by Canadian Credit Union Association.
®MasterCard, Cirrus and Maestro are registered trademarks owned by MasterCard International Inc., used with permission.
* Visa Int’l./Used with permission.
®THE EXCHANGE is a registered trademark licensed for use in Canada by FICANEX Services Limited Partnership.
®WEBEX is a registered trademark owned by WebEx Communications, Inc.
®TAMLO and TAMLO & Design are registered trademarks and ™ Flag the Money, and Flag the Money & Design are trademarks of TAMLO International Inc., used under license.
®Skillsoft is a registered trademark owned by SkillSoft Ireland Limited, used under license.
All other trademarks and service marks that appear on this site are the property of their respective owners and are used solely to refer to those companies’ product and services.
Use of E-mail
E-mail is the primary means of communication whether the e‐mail is generated by you or by a CCUA employee. If you do communicate with CCUA by e‐mail, we will assume, unless you advise us otherwise, that you consent to CCUA using the information you have sent, 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 CCUA deems appropriate for that purpose. CCUA also primarily uses e-mail communications to provide information about products and services that may be of interest. You have the option of withdrawing your consent to the use of your e-mail address for this purpose at any time by clicking the “unsubscribe” link included on all such e-mails or by contacting CCUA’s Privacy Officer at privacy@ccua.com.
Keep in mind that any non-encrypted e‐mail message you send to CCUA is not secure and is open to interception as any other non‐encrypted form of communication (e.g. ordinary mail, conversations on ordinary or cellular telephones, etc). CCUA accepts no responsibility for the security of confidential information forwarded to us by e‐mail, and expressly discourages users of the website from sending confidential information in this manner. CCUA will not be responsible or liable to you or any other person for any loss or damage suffered as a result of your use of e-mail to communicate with CCUA, or the use of e-mail by CCUA to communicate with you or other persons at your request.
Any information you communicate to CCUA through this site (including any remark, suggestion, idea, graphics, etc.) will become exclusive property of CCUA, without compensation to you or any other party. In addition, any such information will not be treated by CCUA as confidential.
Links to Third-Party Sites
This site provides links to third-party sites which are not maintained or controlled by the CCUA. CCUA does not warrant the accuracy, completeness, or timeliness of any information available via linked third-party sites. CCUA provides the linked sites to you only as a convenience and the inclusion of any such link on this site does not imply that CCUA endorses the site, the organization operating such site, or any products or services or any opinions expressed on such sites. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the linked sites. Your access or use of linked sites is entirely at your own risk.
Hyperlinks
Unless you have a written agreement in effect with us that states otherwise, you may only provide a hypertext link to this site from another site (“your site”) pursuant to the following terms and conditions: Links shall be text-based using the words: “Canadian Credit Union Association” or “www.ccua.com”; Use of the CCUA logo, the HANDS&GLOBE® Design or any other Intellectual Property as a link to this site is not permitted. By linking, you acknowledge and agree that, other than as set forth herein, all rights to the Intellectual Property, the information and content on this site and the design of this site are the property of CCUA or other identified parties. You must ensure any link to this site points to the URL “https://www.ccua.com” and not to any other page within this site. You will ensure that the appearance, position and other aspects of any link to this site does not damage or dilute the goodwill associated with CCUA or its property. You must not misrepresent your relationship with CCUA or present false or misleading impressions about CCUA. Any link to this site may not be used in a manner that implies or suggests that CCUA approves or endorses you, your site or your products and services. You may not create frames around this site or use other techniques that alter in any way the visual presentation or appearance of this site. CCUA shall have no responsibility or liability for any content appearing on your site. You agree to indemnify and defend CCUA against all claims arising out of or based upon any hypertext link to this site. Your site must not contain any content or materials that may be interpreted as libelous, obscene, or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of any third-party rights. CCUA reserves the right at any time and in its sole discretion to request that you remove all links or any particular link to this site from your site.
Applicable Laws and Regulations
CCUA Privacy Code
CCUA is committed to protecting the personal information of credit union/co‐operative directors, employees, members and other individuals. In order to protect all personal information collected, used or disclosed by CCUA, we are bound by the Canadian Credit Union Association Code for the Protection of Personal Information. View our Privacy Code here.
This site is maintained by CCUA staff and has been integrated with the data platform, Wicket, for member onboarding and access. To enhance your experience and improve our services, we track certain activities on our website. This includes:
- Sign-Ins: We record the date and time you sign in to keep your account secure and provide personalized support.
- Article Visits: We monitor the articles you visit to understand our users’ interests and improve our content and navigation.
- File Downloads: We track the files you download to ensure you have access to the resources you need and to improve our offerings.
Therefore information transmitted through this site may be collected and used by CCUA.
In general, you can visit all public areas of this site without providing any personal information about yourself. General information collected includes the date and time of visit, the type of Internet browser used to access the site, the referring address (the link a visitor uses to access the site). This data is used to create statistics on site usage and improve online services through the use of Google Analytics. No personal information is exchanged with Google Analytics in the provision of this service. You may opt out of the collection of your activity information through Google Analytics by downloading a tool available at https://tools.google.com/dlpage/gaoptout.
To help us manage this site, we set a session cookie on your computer that expires when you close your web browser. You are able to manage the use of cookies on your computer. For more information, please consult the privacy features available within your web browser.
Changes to these Terms of Use
In its discretion, CCUA may supplement or change these Terms of Use from time to time, for any reason and without any prior notice or liability to you by posting revised Terms of Use on this site. Each time you use this site you should check the date of these Terms of Use (which appears at the top of this document) and review any changes since the last version. By using this site after these Terms of Use have been revised, you accept and agree to be bound by the revised Terms of Use. If you do not agree with each provision of the revised Terms of Use you may not use this site. You may not supplement or change these Terms of Use in any way.
Contact Us
For more information, please contact inquiries@ccua.com