Legal

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Direct Service Agreement

Understand the fine print

It’s easy to feel lost when reading legal jargon, but that sea of words is usually a binding agreement put in place to protect you and us, and to make you aware of your responsibilities. This is the nature of our Direct Services Agreement (DSA). It outlines what we do and what you need to do to keep your accounts and information safe when using a computer, telephone, mobile phone, wearable technology or ATM to access your SCU accounts.

In our DSA, we refer to these electronic options as Access Terminals. When you use any of them to access your SCU accounts, you’re interacting with our Direct Services. The agreement we make around these interactions is our DSA, a detailed contract that we both promise to follow when you use these services for your SCU accounts.

The terms of our DSA with you are comprehensive. They establish expectations for compliance with our security measures. They also address crucial matters such as how your personal information is used and protected, how fees are structured and what we’re both expected to do to authorize access, prove your identity and safeguard you from fraudulent activity. This DSA also makes clear who is responsible in the unlikely event of unauthorized transactions on your account and when you use the services of our third party providers. While the language in this agreement is a bit dry, understanding its message and contents is essential.

As this is an agreement about electronic services, our DSA will be updated as technologies evolve. We will alert you to these changes, but it’s important to understand that you agree to those changes if you use our Direct Services after the effective change date.

If any of this fine print doesn’t make sense to you, we’re here to clarify it for you in everyday language. If you have any questions about our DSA, connect with us. We’re happy to help.

Download Direct Service Agreement

SCU Website Terms and Conditions of Use

Your use of this website (Website) shall be governed by these Terms and Conditions of Use (Terms), the Privacy Code of Steinbach Credit Union (SCU) and any other policies, terms or conditions enacted by SCU from time to time. SCU may change these Terms at any time without notice to you, by updating these Terms on this Website, and your continued access of this Website following any such change to these Terms shall constitute your acceptance of any such change.

Website content

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.

Linked sites

This Website may contain images of and links to third party Websites (Linked Sites). SCU is providing these links to you only as a convenience, and the inclusion of any links does not imply endorsement by SCU of the Linked Sites or any association with the operators of Linked Sites. Your use of any such Linked Sites is at your own risk. The Linked Sites are not subject to SCU privacy policy or security standards. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites, the conditions, exclusions and limitations of which privacy statements and terms of use shall govern your use of such Linked Sites. In the event of a conflict or inconsistency between the privacy statements and terms of use of such Linked Sites and these Terms or SCU’s privacy policy, the privacy statements and terms of use of the applicable Linked Site shall prevail and govern.

No warranty

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.

Indemnity

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.

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.

®Acculink is a registered trademark owned by Credit Union Central of Canada and is used under license.
™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.
Apple Pay® is a trademark of Apple Inc., registered in the U.S. and other countries.
®Apple, iPhone, and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries.
®iPhone and iPad are registered trademarks of Apple Inc.
®Apple, iPhone, and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries.
®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.
® CU BY PHONE is a registered trademark owned by Credit Union Central of Canada, used under license.
CUMIS® is a trademark of CUMIS Insurance Society, Inc. and is used under license. Insurance is underwritten by CUMIS General Insurance Company
®Credential is a registered mark owned by Aviso Wealth and is used under license.
®ding free is a registered trademark of Central 1 Credit Union, used under license.
FICO and FICO® Scores are trademarks and/or registered trademarks of Fair Isaac Corporation.
©2018 Google LLC All rights reserved. Google Pay™ is a trademark of Google LLC.
®Interac is a registered trademark of Interac Corp. Used under license.
Interac e-Transfer^† is a registered trademark of Interac Corp. Used under license.
®Interac, the Interac logo and Interac Flash are trademarks of Interac Corp. Used under license.
®MemberDirect is a registered trademark owned by Credit Union Central of Canada, used under license.
®PLAN 24 is a registered trademark owned by Credit Union Central of Canada, used under license.
© 2017 Samsung Electronics Canada Inc. All rights reserved. Samsung and Samsung Galaxy are registered trademarks or trademarks of Samsung Electronics Co., Ltd., used with permission.
® VirtualWealth is a trade name of Credential Qtrade Securities Inc. Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc.

Miscellaneous

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.

Email

Email is not secure or confidential unless properly encrypted. SCU discourages the use of unencrypted email to send personal or financial information 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, any other party, or the use of email by SCU to communicate with you or other persons at your request.

Learn more about encrypted email.

Mobile Wallet Terms of Use

These Terms of Use (“Terms”) govern your use of any eligible Steinbach Credit Union (SCU) debit card (“Card”) when you add or keep your Card in a mobile wallet (“Wallet”) for use on any eligible device (“Device”) that supports the use of the Wallet.

Please read these Terms carefully. If you add or activate your Card for use in a Wallet, it means that you accept and agree to these Terms. In these Terms, "you" and "your" means each SCU member who has been issued a SCU Card. "We", "us", and "our" mean Steinbach Credit Union (SCU).

Use of Cards in the Wallet

If you want to add a Card to a Wallet, you must follow the procedures adopted by the Wallet provider, any instructions provided by us, and any further procedures the Wallet provider or we adopt. You understand that we may not add a Card to a Wallet if we cannot verify the Card, if your account is not in good standing, if we suspect that there may be fraud associated with your Card or for any other reason we determine at our sole discretion. The Wallet allows you to make purchases using your Card wherever that Wallet is accepted. Wallets may not be accepted at all places where your Card is accepted.

Removal, blocking, or suspension of Card

We may not permit the addition of a Card to a Wallet, or we may remove, suspend or cancel your access to a Wallet at any time, if we cannot verify the Card, if we suspect that there may be fraud associated with the use of the Card, if your account is not in good standing, if applicable laws change, or for any other reason we determine at our sole discretion. You may suspend, delete or reactivate a Card from a Wallet by following the Wallet Provider’s procedures for suspension, deletion or reactivation. In certain circumstances, your Card may be suspended or removed from the Wallet by the Wallet Provider.

Maximum dollar limit

Payment networks, merchants or we may establish transaction limits from time to time in their or our discretion. As a result, you may be unable to use a Wallet to complete a transaction that exceeds these limits.

Applicable fees

We do not charge you any fees for adding a Card to the Wallet. Please consult your Card agreement for any applicable fees or other charges associated with your Card. Your mobile service carrier or provider, Wallet Provider or other third parties may charge you service fees in connection with your use of your Device or the Wallet.

Security

You must contact us immediately if your Card is lost or stolen, if your Device is lost or stolen, or if your Card account is compromised. If you get a new Device, you must delete all your Card and other personal information from your prior Device.

You are required to contact us immediately if there are errors or if you suspect fraud with your Card. We will resolve any potential error or fraudulent purchase in accordance with the applicable account agreement.

You agree to protect and keep confidential your Wallet Provider ID and passwords. If you share these credentials with others, they may be able to access a Wallet and make purchases with your Card or obtain your personal information.

Before using a Wallet, you should ensure that only your credentials are registered on your Device as these will then be considered authorized to make transactions related to your Card. If the credentials of another person are used to unlock your Device or make transactions, these transactions will be deemed to be authorized by you.

You are prohibited from using a Wallet on a Device that you know or have reason to believe has had its security or integrity compromised (e.g. where the Device has been "rooted" or had its security mechanisms bypassed).

The Wallet Provider is responsible for the security of information provided to them or stored in the Wallet.

Liability for loss

You are solely responsible for all account transactions made using your Card processed through a Wallet. You are responsible for the completeness and accuracy of the account information you enter into the Wallet. Only the individual member whose name is associated with the Card should add the Card to a Wallet.

Privacy

You consent to the collection, use and disclosure of your personal information from time to time as provided in our Privacy Code, which is available on our website. We may share with or receive from the Wallet Provider such information as may reasonably be necessary to determine your eligibility for, enrollment in and use of a Wallet or its features you may select (for example, your name and details such as Card number and expiry date).

The Wallet Provider may aggregate your information or make it anonymous for the purposes set out in its privacy policy or terms of use. To help protect you and us from error and criminal activities, we and The Wallet Provider may share information reasonably required for such purposes as fraud detection and prevention (for example, informing the Wallet Provider if you notify us of a lost or stolen Device).

Communications

You agree to receive communications from us, including emails to the email address or text message to the mobile number you have provided in connection with your Card account. These communications will relate to your use of your Card(s) in the Wallet. You agree to update your contact information when it changes by contacting us. You may also contact us if you wish to withdraw your consent to receive these communications but doing so may result in your inability to continue to use your Card(s) in the Wallet.

No warranty and exclusion of liability

For the purpose of this Section, “SCU” means SCU and its agents, contractors, and service providers, and each of their respective subsidiaries. The provisions set out in this section shall survive termination of these Terms.

The Wallet service is provided by the Wallet Provider, and SCU is not responsible for its use or function. You acknowledge and agree that SCU makes no representations, warranties or conditions relating to the Wallet of any kind, and in particular, SCU does not warrant: (a) the operability or functionality of the Wallet or that the Wallet will be available to complete a transaction; (b) that any particular merchant will be a participating merchant at which payments with the Wallet are available; (c) that the Wallet will meet your requirements or that the operation of the Wallet will be uninterrupted or error-free; and (d) the availability or operability of the wireless networks of any Device.

SCU will have no liability whatever in relation to the Wallet, including without limitation in relation to the sale, distribution or use thereof, or the performance or non-performance of the Wallet, or any loss, injury or inconvenience you suffer. You may want to consider keeping your physical Card with you to use in the event you cannot make Wallet transactions.

Changes to the Terms of Use warranty

We may change these Terms, or the agreements associated with the use of your Card with the Wallet. You agree to any changes to these Terms or agreement(s) associated with the use of your Card or account by your continued use of your Card with the Wallet. If you do not accept the revised Terms or agreement(s), you must delete your Card from the Wallet.

Contacting us

You may contact us about anything concerning your Card or these Terms by calling our Member Contact Centre at 1.800.728.6440..

If you have any questions or complaints about the Wallet, or disputes with the Wallet Provider, you should contact the Wallet provider.

Standard Charge Mortgage Terms

Standard Charge Mortgage Terms (SCMT) are included in every mortgage that refers to this set of terms by its name and filing number, as provided in The Real Property Act.

Download Standard Charge Mortgage Terms