Terms of Service

These Terms of Service govern your access to and use of the website located at credituniondirectory.ca (the "Site") and any associated services, content, or tools (collectively, the "Service"), operated by CreditUnionDirectory.ca ("we," "us," or "our").

By accessing or using the Site, whether by browsing, clicking, or otherwise, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, you must not use the Site.

CreditUnionDirectory.ca is an independent, informational website that:

• Aggregates and presents publicly available information about Canadian credit unions, including savings rates, GIC rates, mortgage rates, deposit insurance coverage, membership eligibility, and general operational details;
• Provides comparison tools, financial calculators, and educational content to help Canadians understand the credit union sector;
• Is operated independently and is not affiliated with, sponsored by, or endorsed by any credit union, banking regulator, or government body.

The Site is an information resource only. We do not provide personalized financial advice, accept deposits, offer credit, broker mortgages, or act as a financial intermediary of any kind.

CreditUnionDirectory.ca is not a financial advisor, investment advisor, mortgage broker, insurance agent, or licensed financial planner. Nothing published on this Site, including rate comparisons, editorial descriptions, rankings, ratings, guides, or calculator results, constitutes financial, investment, mortgage, insurance, tax, or legal advice of any kind.

Rates, fees, eligibility requirements, and product terms change frequently and without notice. Information on this Site may not reflect the most current offerings. Always confirm the terms that apply to you directly with the financial institution before making any decision.

We make reasonable efforts to ensure that rate and product information on the Site is accurate and current. However:

• Rates and terms can change at any time without notice. Information displayed may be out of date by the time you read it.
• We source rate data from publicly available sources including credit union websites, published rate sheets, and other public disclosures. We do not independently audit or guarantee the accuracy of this data.
• Promotional or introductory rates may apply only to new members, specific deposit amounts, or for a limited time. Such conditions may not be fully captured in our summaries.
• HISA rates displayed are typically the "standard" or "regular" rate. Bonus, promotional, or tiered rates may differ.
• GIC rates are subject to term, minimum deposit, and other conditions. Early redemption penalties may apply.
• Mortgage rates displayed are indicative only. Actual approved rates depend on creditworthiness, property type, amortization, and lender discretion.
• Eligibility information (including "open to all" status) reflects our best understanding at the time of data collection. Membership rules can change. Always confirm directly with the credit union.
• Deposit insurance limits and bodies are described for informational purposes. Coverage details may vary; consult the applicable insurer for authoritative coverage information.

We expressly disclaim any liability for decisions made based on information on this Site without independent verification.

The inclusion of a credit union in our directory does not constitute an endorsement, recommendation, or approval of that institution by CreditUnionDirectory.ca. Conversely, exclusion from the directory does not constitute a negative assessment.

Ratings, scores, and editorial descriptions on the Site reflect our independent research and editorial judgment based on publicly available information at the time of assessment. They are not guarantees of quality or financial stability. Credit unions can experience financial difficulty regardless of ratings. All deposits at Canadian credit unions are subject to the limits of the applicable provincial deposit insurer, not CDIC, which only covers federally regulated institutions.

We are not responsible for any act, omission, product, service, or conduct of any credit union listed on the Site.

CreditUnionDirectory.ca does not accept paid placements, sponsored listings, affiliate commissions, or referral fees from credit unions or any financial institution. All editorial content, including rankings, ratings, and descriptions, is produced independently.

The Site and all its original content, including but not limited to text, graphics, logos, page layouts, editorial analysis, financial calculators, comparison tools, site architecture, and software, are owned by or licensed to CreditUnionDirectory.ca and are protected by Canadian and international copyright, trademark, and other intellectual property laws.

Permitted use: You may view, print, or download content from the Site for your personal, non-commercial, informational use only.

Prohibited use: Without our prior written consent, you may not: reproduce, republish, distribute, transmit, sell, create derivative works from, or commercially exploit any content on this Site; use our content to train machine learning or artificial intelligence models; scrape or systematically copy data from the Site using automated tools; or represent Site content as your own.

Planning tools and calculators. The Canadian Retirement Calculator, Financial Future Simulator, and any other interactive planning tools on this Site are proprietary to CreditUnionDirectory.ca. While individual formulas used within these tools (such as published CRA tax brackets, CPP benefit schedules, and OAS clawback thresholds) are drawn from public sources, the selection, combination, implementation, projection methodology, and user interface design of these tools represent original creative and technical work protected by copyright. You may use these tools for your personal, non-commercial financial planning only. You may not reproduce, embed, reverse-engineer, replicate, commercially distribute, or use the output of these tools to power or populate any other product, service, website, or application without our prior written consent.

Credit union names, logos, and trademarks displayed on this Site are the property of their respective owners and are used solely for informational identification purposes. Their appearance on this Site does not imply sponsorship or endorsement by those entities.

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates applicable Canadian federal, provincial, or local law or regulation;
• Attempt to gain unauthorized access to any part of the Site, our servers, or any connected systems;
• Introduce viruses, Trojan horses, worms, or other malicious or harmful code;
• Use automated bots, scrapers, crawlers, or spiders to extract data from the Site without written permission;
• Systematically download or cache data to build a competing product or service;
• Circumvent, disable, or interfere with security features of the Site;
• Impersonate or misrepresent your affiliation with any person or entity;
• Engage in any conduct that restricts or inhibits any other person from using or enjoying the Site.

We reserve the right to terminate or restrict access for any user we believe, in our sole discretion, is in violation of these Terms or is using the Site in a manner harmful to us, our users, or third parties.

The Site contains links to third-party websites, including the official websites of credit unions and regulatory bodies. These links are provided for convenience and informational purposes only. We have no control over the content, privacy practices, or availability of third-party websites and are not responsible for any loss or damage arising from your use of them. Your interactions with third-party websites are governed by those websites' own terms and privacy policies.

To the fullest extent permitted by applicable law, CreditUnionDirectory.ca has no liability for any loss, damage, or harm of any kind arising from your use of, or inability to use, this Site or its content. This Site is a free, independent information resource. The limitations below are a fundamental part of the terms under which it is made available.

CreditUnionDirectory.ca, its owners, operators, employees, contractors, and agents expressly disclaim all responsibility and shall have no liability for:

• Any financial loss, missed opportunity, or harm arising from reliance on rate information, product descriptions, rankings, ratings, or any other content displayed on this Site;
• Rates that are inaccurate, outdated, discontinued, no longer available, or that differ from what a credit union actually offers at the time of inquiry or application;
• A credit union declining your membership application, loan application, mortgage, or any other product or service for any reason, including eligibility restrictions;
• A credit union changing, withdrawing, or discontinuing any rate, product, or service at any time;
• Your failure to independently verify current rates, terms, fees, and eligibility directly with the applicable credit union before acting;
• Any act, omission, insolvency, or financial difficulty of any credit union listed or described on this Site;
• Deposit losses beyond applicable provincial deposit insurance limits;
• Direct, indirect, incidental, special, consequential, or punitive damages of any kind;
• Loss of profits, revenue, savings, data, goodwill, or any other intangible losses;
• Unauthorized access to or alteration of your data;
• Interruption, suspension, or cessation of the Site;
• Bugs, viruses, or other harmful content introduced by third parties.

Where applicable law does not permit the complete exclusion of liability, our liability shall be limited to the absolute minimum permitted by law.

You agree to defend, indemnify, and hold harmless CreditUnionDirectory.ca and its owners, operators, employees, contractors, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, and legal fees arising out of or relating to: (a) your use of or inability to use the Site; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any content you submit to us.

The Site and all content and services are provided on an "AS IS" and "AS AVAILABLE" basis, without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, or non-infringement.

We do not warrant that: (a) the Site will be uninterrupted, timely, secure, or error-free; (b) the results obtained from the Site will be accurate or reliable; (c) any errors will be corrected. Rate information in particular is provided without warranty of accuracy, completeness, or timeliness.

The Site is intended for users who are 18 years of age or older. If you are under 18, please do not use this Site.

These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Any dispute arising out of or relating to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of the Province of Ontario, and you irrevocably consent to such jurisdiction. If you are accessing the Site from outside Canada, you are responsible for compliance with local laws.

Informal resolution. Before filing any legal claim, you agree to first contact us and attempt to resolve the dispute informally via our contact page with a written description of the dispute and your proposed resolution. We will attempt to resolve the dispute within 30 days.

We reserve the right, in our sole discretion, to suspend or terminate your access to the Site at any time and for any reason, including for violation of these Terms, without notice and without liability to you. Upon termination, all rights granted to you under these Terms will immediately cease.

We also reserve the right to modify, suspend, or discontinue all or any part of the Site at any time without notice.

We may revise these Terms at any time by posting an updated version on this page. Changes take effect immediately upon posting. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

Entire agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and CreditUnionDirectory.ca with respect to the Site and supersede all prior agreements and understandings.

Severability. If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be severable from the remaining provisions, which shall remain in full force and effect.

No waiver. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

Assignment. You may not assign or transfer any rights or obligations under these Terms without our prior written consent. We may assign our rights or obligations without restriction.

Language. The parties confirm that these Terms, and all related documents, shall be drawn up in English. Les parties confirment leur volonté que la présente convention, ainsi que tous les documents s'y rattachant, soient rédigés en anglais.

Force majeure. We will not be liable for any failure or delay resulting from circumstances beyond our reasonable control, including but not limited to acts of God, internet or network outages, or government actions.

Questions or concerns about these Terms may be directed to us via our contact page. We aim to respond within 10 business days.