Terms of Use

Updated October 30, 2007

These terms and conditions govern your access to and use of Oshawa Community Credit Union's Website and the content, information and services provided on or through the website. They exempt Oshawa Community Credit Union and other persons from liability or limit their liability and contain other important provisions that you should read.  Each time you use the website, the most current version of these terms and conditions will govern your use. Accordingly, when you use the website you should check the date of these terms and conditions and review any changes since the last version.

Warranties and Limitation of Liability

Information and documents provided on the Website are provided "as is" without any warranty. Oshawa Community Credit Union uses reasonable efforts to furnish accurate and up to date information on this website; it does not, however, warrant its accuracy, adequacy, timeliness or completeness.  Rates, fees and other information is subject to change at any time without notice to users and the posted rates and fees on the site may not immediately reflect such changes.

Your use of this website is at your own risk.  In no event will Oshawa Community Credit Union, its suppliers, and the other parties involved in creating and delivering theirs website's contents be liable for any damages, losses or expenses of any kind arising from or in connection with this website or its use or any person's inability to use the site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or tansies, computer virus or line or system failure, loss of data or otherwise, even if Oshawa Community Credit Union, 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 website.

Use of Online Banking Services Restricted

Certain portions of the website relating to E-Z access banking ("Online Banking") may be accessed only by Oshawa Community Credit Union members who have agreed to be bound by the applicable E-Z Access banking and Cardholder Agreement and to whom a personal access number has been issued.

Seek Personalized Advice

Except for Online Banking (including online application and special requests), the website is for informational or general illustrative purposes only.  The website is not guaranteed to be accurate, complete, or timely.  The website is not intended to be comprehensive, detailed or personalized source of information about personal or business banking, finance, investment, insurance or financial planning issues, products or services.  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's provided on or through the Website.

All Oshawa Community Credit Union products and services are subject to the terms of the applicable agreements governing their use.

Privacy and Security

Oshawa Community Credit Union used data encryption and firewalls to maintain the security of the information it receives throughout the Website.  Nevertheless, security and privacy risks cannot be eliminated.  In order to protect your own security, you must access and use the website using commercially available browser software (such as a current version of Netscape or Internet Explorer) that provides 128-bit encryption and SSL (Secure Sockets Layer) technology, and avoid using your browser software';s "save password" feature.  Once you have initiated a session in connection with the website, you must not leave the computer from which you have accessed the website unless and until you have terminated the sessions and logged off the website.  When you complete a session, you are responsible for clearing your browser's cache or temporary internet files to ensure your personal information is not accessible to others.

E-mail is not secure or confidential unless properly encrypted.  Consequently, Oshawa Community Credit Union discourages the use of e-mail to send personal or financial information to Oshawa Community Credit Union.  Persons that use e-mail for those purposes do so at their own risk, and Oshawa Community Credit Union 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 us, or the use of e-mail by Oshawa Community Credit Union to communicate with you or other persons at your request.

Links to Third Party Sites

The Oshawa Community Credit Union Website may contain images of and links to third party Websites.  The linked sites are not under the control of Oshawa Community Credit Union and is not responsible for the contents of any linked site, including without limitation any link contained in a linked site, or any changes or updates to a linked site.  Oshawa Community Credit Union is not responsible for webcasting or any other form of transmission received from any linked site nor is Oshawa Community Credit Union responsible if the linked sited is not working appropriately.  Oshawa Community Credit Union is providing these links to you only as a convenience , and the inclusion of any link does not imply endorsement by Oshawa Community Credit Union of the site or any association with its operators.  You are responsible for viewing and abiding by the privacy statements and terms of use posted at the linked sites.

Any dealings that you have with third parties (including advertisers) using any linked sties, including the delivery of and payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings are solely between you and the third party.  Oshawa Community Credit Union shall not be responsible or liable in any way for any part of such dealings.  Any collection, use or disclosure of your personal information by the third party will be governed exclusively by the third party's privacy policy and any consent or agreement between you and the third party relating to such collection, use or disclosure.

Additional terms and conditions that pertain to the use of a specific linked site will be disclosed to you, from time to time, on the Oshawa Community Credit Union Website in the form of a notice accompanying the link to such a site.  Such notices form part of these terms and conditions and by accessing a linked site to which such a notice applies, you agree to be bound by the additional terms and conditions contained in the notice.

Changes to these Terms and Conditions

In its discretion, Oshawa Community Credit Union 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 posing revised terms and conditions on the Website.  Each time you use the Website, you should check the date of these terms and conditions and review any changes since the last version.  By using the Website 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 the Website.  You may not supplement or change these terms and conditions in any way.