Website Terms and Conditions

(last updated on April 2, 2009)

Your Acceptance of these Terms and Conditions


These terms and conditions govern your access to and use of Vancity’s Online Banking Website and the content, information and services provided on or through the Website. They exempt Vancity 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 (which appears at the top of these terms and conditions) and review any changes since the last version.

The Vancity Group of Companies

For the purposes of these terms and conditions, the Vancity Group of Companies (the “Vancity Group” or simply, “Vancity”) is comprised of Vancouver City Savings Credit Union, and its subsidiaries, affiliates and business partners, including Vancity Community Investment Bank (“VCIB”), Vancity Insurance Services Ltd., Vancity Investment Management Ltd., Vancity Enterprises Inc., Vancity Capital Corporation, Inhance Investment Management Inc. and Vancity Community Foundation.

Warranties and Limitation of Liability

Information and documents provided on this Website are provided “as is” without any warranty. Vancity 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 Vancity, its suppliers, and the other parties involved in creating and delivering this 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 transmission, computer virus or line or system failure, loss of data or otherwise, even if Vancity, 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 on-line banking (“Online Banking”) may be accessed only by Vancity customers who have agreed to be bound by the applicable Account and Services Guide and to whom a personal access number has been issued.

Availability of Products and Services

Products and services of the Vancity Group referenced or included on the Website are generally available only in British Columbia, except for products and services of Vancity Community Investment Bank, which are available in every province in Canada except Québec. These products and services are not intended for or available to persons resident or located elsewhere. Vancity’s products and services may be available in other provinces in accordance with provincial laws. Vancity reserves the right to make the final determination on whether or not you are eligible for any particular product or service.

Changes to these Terms and Conditions

In its discretion, Vancity 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 the Website. Each time you use the Website, 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 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.

Seek Personalized Advice

Except for Online Banking (including online applications 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 a comprehensive, detailed or personalised 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 provided on or though the Website.

All Vancity products and services are subject to the terms of the applicable agreements governing their use.

Privacy and Security

Vancity uses data encryption and firewalls to maintain the security of the information it receives through 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 session 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, Vancity discourages the use of e-mail to send personal or financial information to Vancity. Persons that use e-mail for those purposes do so at their own risk, and Vancity 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 Vancity to communicate with you or other persons at your request.

For more information, please visit our Privacy and Security section.

Links to Third Party Sites

The Vancity Website may contain images of and links to third party Websites (“Linked Sites”). The Linked Sites are not under the control of Vancity and Vancity 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. Vancity is not responsible for webcasting or any other form of transmission received from any Linked Site nor is Vancity responsible if the Linked Site is not working appropriately. Vancity is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Vancity 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 Sites, including the delivery of and the 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. Vancity 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 Vancity 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.

Use of Cookies

In order to provide better service, we will occasionally use a “cookie”. A cookie is a small piece of information which a Website stores on your web browser on your computer and can later retrieve. The cookie cannot be read by a Website other than the one that set the cookie. We use cookies for a number of administrative purposes. They let us store information that you have already told us, so we don’t have to ask you again. They also allow us to measure what parts of our site customers prefer to see, and what parts are less popular. Most cookies last only through a single session, or visit. None will contain information that will enable anyone to contact you via telephone, e-mail, or regular mail. You can set up your web browser to inform you when cookies are set or to prevent cookies from being set.

However, our Online Banking system uses cookies, as a security measure, to maintain a connection with you. If you set your browser to prevent cookies, you will not be able to access Vancity Online Banking.