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Terms and Conditions of Use
All information and other materials contained on this Website (Content) is the property of SCU, unless otherwise noted. Rates, fees and other information are subject to change at any time without notice to users and the posted rates and fees on this Website may not immediately reflect such changes. This Website is for informational purposes only. The Content does not constitute an offer to buy or sell SCU products or services. This Website is not intended to be a comprehensive, detailed or personalized source of information about personal or business banking, finance, investment, insurance or financial planning issues, products or services, nor is it intended to provide you with legal, accounting or tax advice. We encourage you to seek personalized advice from qualified professionals before making any banking, finance, investment, insurance or financial planning decisions based upon any information provided on or through this Website. Any information or materials which you provide to SCU through this Website shall become the sole property of SCU and may be used freely by SCU. All SCU products and services are subject to the terms, conditions, exclusions and limitations contained in the applicable agreements governing their use. No endorsement or approval of any third party or its advice, opinions, services or products is expressed or implied by this Website or the Content.
Email is not secure or confidential unless properly encrypted. SCU discourages the use of email to send personal or financial information to SCU, including, for example, account numbers, passwords and balances. Persons that use email for those purposes do so at their own risk, and SCU 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 email to communicate with us, or the use of email by SCU to communicate with you or other persons at your request.
Trademarks and Copyrights
Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, registered or unregistered trademarks of SCU, or may be used by SCU under license from a third party. You shall be entitled to copy any Content solely for your own personal use, provided such use includes a reference to the respective copyright and/or trademark notice or attribution. You many not republish or reproduce any Content in any manner, including electronic reproduction by uploading or downloading, or otherwise use Content for public or commercial purposes, without the prior written consent of SCU. You also may not gather, extract, reproduce and/or display on any other website or other online services, any Content, whether or not by the use of spiders or other scraping software or system used to extract data, without the prior written consent of SCU. Any unauthorized use of the Content may be a violation of federal or other laws and/or constitute infringement of SCU’s or a third party’s intellectual property rights.
™Android is a trademark of Google, Inc.
®Apple, iPhone, and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries.
®iPad is a registered trademark of Apple Inc.
®Collabria trademark is Collabria Financial Services’ property.
®The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
*The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa. *Trademark of Visa Int., used under license.
®Credential is a registered mark owned by Aviso Wealth Inc. and is used under license.
®CUMIS is a trademark of CUMIS Insurance Society, Inc. and is used under licence. Insurance is underwritten by CUMIS General Insurance Company.
™DEPOSIT ANYWHERE is a trademark of Central 1 Credit Union, used under license.
®ding free is a registered trademark of Central 1 Credit Union, used under license.
®Interac, Interac e-Transfer†, Interac Flash, and the Interac logo are registered trademarks of Interac Corp. Used under license.
®PLAN 24, FAT CAT, CU BY PHONE, MemberDirect, and HEADSTART are registered trademarks, MEMBER CARD and MEMBER CARD & Design are registered certification marks owned by Credit Union Central of Canada, used under license.
®SCU Direct is a registered trademark of Steinbach Credit Union Ltd.
®VirtualWealth is a trade name of Credential Qtrade Securities Inc.
Access to this Website and the Content are provided as is and without warranties of any kind either express or implied. By agreeing to these Terms, you acknowledge and agree that the use of any Content is entirely at your own risk. SCU makes no representation or warranties regarding this Website or the Content, including, without limitation, that the Content will be accurate, complete, correct, timely, or suitable, that this Website will be available at all times or that this Website will be free from errors, viruses or other harmful components. SCU specifically disclaims any responsibility or liability for the accuracy, completeness, correctness, timeliness or usefulness of the Content. To the fullest extent permissible pursuant to applicable law, SCU disclaims all warranties, express or implied, including, but not limited to, warranties and conditions regarding use of this Website, including all implied warranties or conditions of merchantability, fitness for a particular purpose or non-infringement, whether express or implied.
Limitation of Liability
Subject to applicable law, in no event shall SCU, its officers or directors, subsidiaries, affiliates, employees, representatives, agents, licensors or their respective successors and assigns, be liable for any direct, indirect, special, incidental, exemplary, consequential or punitive damages or any other damages whatsoever arising, caused, arising out of, or in connection with, the use of, or inability to use, this website, any accuracy, incompleteness, or incorrectness contained in the content, or your reliance or acting upon the content, including, without limitation, any losses or damages in the nature of or relating to lost business, lost savings, loss of data and/or profits, regardless of the cause and whether arising in contract, tort, in equity, at law or otherwise and whether or not SCU has been advised of the possibility of such damages.
You agree to indemnify and hold SCU, its officers, directors, subsidiaries, affiliates, employees, representatives, agents, licensors and their respective successors and assigns harmless from any claim or demand (including without limitation, reasonable legal fees), made by any third party in connection with your use of this Website or the Content, including without limitation, any violation of the law which result from your using this Website.
The failure of SCU to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. These Terms shall be governed by and construed in accordance with the laws of the Province of Manitoba, and the laws of Canada applicable therein and shall govern as to the interpretation, validity and effect of these Terms, notwithstanding any conflict of law provision or your domicile, residence or physical location. You hereby consent and submit to the exclusive jurisdiction of the courts of the Province of Manitoba in any action or proceeding arising out of or relating to these Terms. If any provision of these Terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed servable from these Terms and shall not affect the validity and enforceability of any remaining provisions. These Terms may not be transferred or assigned by you but may be assigned by SCU without restriction.
Direct Service Agreements
Direct Service Agreement: Personal Accounts
Effective December 14, 2020, modifications were made to the Direct Services Agreement for Personal Accounts. These include minor information and grammatical changes for enhanced clarity, and material changes including acceptable use, behaviour, notifications and reimbursements regarding Interac e-Transfer†.
We have added and clarified the wording around the following:
Page 2 section 1, Definitions and Interpretation, We added “Wrongful Activity” and defined it as any use or attempted use of Interac e-Transfer Services that is fraudulent, unauthorized, in bad faith or improper, whether for financial gains or otherwise.
Page 6 section 28, Interac e-Transfer, subsection f) We’ve clarified the confidentiality requirement that members not share the Interac e-Transfer Answer with anyone but the intended recipient, that the Answer cannot be easily determined nor shared in the email or phone number used to send the Interac e-Transfer Notice.
Page 6 section 28, Interac e-Transfer, subsection i) We’ve added information to clarify SCU is not liable for any cost, expense, loss, damage or inconvenience as a result of a Third Party, other than the intended recipient, guessing or obtaining an Interac e-Transfer Answer through any means other than Wrongful Activity. As well, where an intercepted transaction occurs and the funds do not reach your intended recipient, you may receive reimbursement provided you did not participate in the Wrongful Activity and fully cooperate with the investigation.
Page 6 section 28, Interac e-Transfer, subsection k) We added information that transactions sent via account number, payment identifier, Autodeposit or Request Money may be automatically deposited into the account of the recipient.
Page 6 section 28 Interac e-Transfer, subsection m) We clarified that SCU cannot guarantee an Interac e-Transfer Notice will be delivered within 30 minutes and that we cannot guarantee the time of deposit.
Page 6 section 28 Interac e-Transfer, subsection v) This new subsection clarifies that the member is responsible for any charges related to transmitting and receiving data.
Page 6 section 28 Interac e-Transfer, subsection w) This new subsection explains that if you, as a recipient, have activated the Autodeposit feature, there is no requirement to provide an Interac e-Transfer Answer as the funds are automatically deposited into your account. This is subject to the sender’s financial institution offering the Autodeposit feature.
Page 6 section 28 Interac e-Transfer Services, subsection x) This subsection was added to clarify that when you request funds through Interac e-Transfer Services you must have the other party’s consent to provide their Interac e-Transfer Contact Information to SCU, the other participating Financial Institution and Interac Corp.
Page 6 section 28 Interac e-Transfer, subsection y) This subsection was added to confirm that when sending funds, it’s your responsibility to provide complete and accurate information about the recipient, and when you are a recipient, that you respond only to requests you are expecting and have consented to receiving.
Direct Services Agreement for Personal Accounts
Direct Service Agreement: Small Business Accounts
Direct Services Agreement for Small Business Accounts
Standard Charge Mortgage Terms
Standard Charge Mortgage Terms
Standard Charge Mortgage Terms (“SCMT”) are included in every mortgage which refers to this set of terms by its name and filing number, as provided in The Real Property Act. Download your copy here.