Legal & Privacy Terms of Use

Canada's Credit Unions – Canadian Credit Union Association – November 2022


These terms and conditions govern your access to and use of the “Canada’s Credit Unions” ( (this “site”) and the content, information, and services provided on or through this site. This site is owned by Canadian Credit Union Association (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. 


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.

The Site is maintained by CCUA staff and therefore information transmitted through the Site may be collected and used by CCUA. In general, you can visit all areas of the 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 here.


To help us manage the 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.


If you purchase items through the e-store, your name and order information will be retained within the Site to facilitate order tracking and information about previous purchases. No sensitive information, such as payment information is retained within the Site.


The Site may contain links to other websites that are part of or affiliated with the Canadian Credit Union System. When you leave the Site to visit one of these other sites, the only information transferred to the new site is the referring address. Transmission of this referring address allows other sites to monitor their own web traffic, but CCUA does not disclose any personal information about you.

CCUA is not responsible for the privacy practices or content of linked websites. We encourage you to be aware when entering a linked website or otherwise to read the terms of use and privacy policies of each and every website that collects personally identifiable information. The Privacy Statement applies solely to information collected by CCUA.


CCUA maintains physical, electronic and procedural safeguards that comply with requirements of the Personal Information Protection and Electronic Documents Act to guard personal information.

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 us by 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.  We also primarily use 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 the Privacy Officer at

Keep in mind that e-mail is not secure or confidential unless properly encrypted. Any unencrypted e‐mail message you send us 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.).  Consequently, CCUA discourages the use of unencrypted e-mail to send personal or financial information to CCUA. Persons that use e-mail for those purposes do so at their own risk, and 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.


You may contact the Privacy Officer to access, modify or correct inaccuracies in any of your personal information that is under CCUA’s custody or control by using the following contact information:

Privacy OfficerCanadian Credit Union Association 20 Queen St. W, Suite 2301A , Toronto, ON M5H 3R3, via e-mail at:

CCUA welcomes any questions or concerns about our Privacy Statement, or the practices of this Site. The Privacy Officer will investigate and respond to complaints within a reasonable time. If the complaint is well-founded, CCUA will take appropriate measures to rectify the source of the complaint. 

CCUA reserves the right to amend this Privacy Statement at any time with or without notice. By using the Site you signify your agreement to this Privacy Statement. If CCUA makes material changes to this Statement, we will notify you by posting an announcement on the Site. Changes will become effective when notice is posted to the Site.  Your continued use of the CCUA Site or following the posting of any such changes shall constitute your acceptance of those changes.

Contact Us

For more information, please contact our Privacy Officer at:


All material, trademarks or other intellectual property (“Intellectual Property”) appearing on this site is either the property of 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.


Below is a list of certain trademarks, trade names, logos, and names of associated goods and services (“Trademarks”) that appear throughout the Site (note that this is not a list of all Trademarks owned or used by CCUA):

®HANDS & GLOBE Design is registered certification mark owned by the World Council of Credit Unions, 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.

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 on this site; it does not, however, 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.

Links to Third Party Sites

This site provides links to third party sites which are not maintained or controlled by 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.


Unless you have a written agreement in effect with us that states otherwise, you may only provide a hypertext link to this site from your site pursuant to the following terms and conditions:

Links shall be text-based using the words: “Canada’s Credit Unions” or “”; 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.” 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 context 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

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. We reserve the right to seek all remedies available at law and in equity for violations of these terms and conditions, including the right to block access from a particular Internet address to this site.

Changes to these Terms and Conditions

In its discretion, CCUA may supplement or change these terms and conditions from time to time, for any reason and without any prior notice or liability to you by posting revised terms and conditions on this site. Each time you use this site you should check the date of these terms and conditions (which appears at the top of these terms and conditions) and review any changes since the last version. By using this after these terms and conditions have been revised, you accept and agree to be bound by the revised terms and conditions. If you do not agree with each provision of the revised terms and conditions you may not use this site. You may not supplement or change these terms and conditions in any way.

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