Legal, Disclaimer
& Privacy Policy

General Terms

By accessing and using this website you agree to the following terms and conditions.

Information or data contained in this website is not guaranteed to be current, accurate, or complete, and is subject to change without notice. Changes to the information, products or services described in this website may be made without updating this website to reflect such changes. Please contact us for confirmation before acting on any such information or data. This website is not intended to provide specific individual advice including, without limitation, investment, financial, legal, accounting or tax. Please consult with your own professional advisor on your particular circumstances.

This website is presented on an "as is" basis only; Internet software or transmission problems may produce inaccurate or incomplete copies of information and materials that may be downloaded and displayed on a party's computer.

Products and services advertised on this website or linked Affiliate Websites are:

• Subject to the terms of the applicable agreements governing them
• Available in applicable provinces and territories of Canada only, or other jurisdictions where they may be legally offered

This communication does not constitute an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot legally be made or to any person to whom it is unlawful to make a solicitation.

The disclaimers, terms and conditions on this legal information page are of general application and shall be read to be supplementary to, and in harmony with, any disclaimer, term, or condition of specific application on a particular page or pages of this website. In case of conflict, the specific shall take precedence over the general.

This site does not contain the complete record or the official copies of Ontario Educational Credit Union public disclosure documents.

Trademark / Copyright

Certain names, logos, designs, titles, words or phrases on this page or other pages of this website may constitute trademarks, service marks, or trade names of Ontario Educational Credit Union or other affiliate entities. The display of any trademarks does not imply that a license has been granted for any further use.

The display of trademarks, trade names, or service marks on this website does not convey or create any license or privilege of any kind. Unauthorized use or exploitation of such marks and names is strictly prohibited.

This website is protected under national laws and international treaties.

Except for the purpose of downloading the pages of this site for viewing, the downloading, retransmission, storage in any medium, copying, redistribution, reproduction, or republication of any part of this website for any purpose is strictly prohibited.

No content from this site may be posted to newsgroups, mail lists, or electronic bulletin boards, or incorporated into any other website nor may links be created to this website without prior written consent of Ontario Educational Credit Union.

Internet E-Mail

E-mail over the Internet is not a secure medium and privacy cannot be assured. Ontario Educational Credit Union cannot assume any responsibility for any harm or damage you may experience or incur by sending personal or confidential information to any member of Ontario Educational Credit Union over the Internet by e-mail, or if we send such information at your request.

Third Party References / Links

References in this website to third parties' goods or services are not endorsements or approval of such goods or services; links to other websites are not endorsements or approvals of such sites, the third parties named therein, or their products and services, nor is any liability assumed for incompatibility, non-suitability, viral infection, worms, Trojan horses, or any other destructive or disruptive components on or from such sites. You should always use appropriate anti-virus or other protective software to protect your data and equipment.

Calculators

Calculators, tools and projections are for general illustrative purposes only and are not guaranteed to be accurate or complete. Please use them only as guides or estimates. Visit our Financial Calculators page for OECU's suite of financial planning tools.

Insurance Products

Creditor Life and Disability insurance is underwritten by Credit Union Insurance Services.

Travel Medical Insurance is underwritten by Credit Union Insurance Services.

All insurance products are subject to limitations and conditions in the applicable insurance policies; certificates of insurance supplied to customers are summaries only.

Disclaimer of Liability

Ontario Educational Credit Union is not responsible in any way for any damages (direct, indirect, special, economic, or consequential) in respect of use of this website, any of its content, or any Web browser.

Effective January 1, 2004, Ontario Educational Credit Union became subject to the Personal Information Protection and Electronic Documents Act (PIPEDA). To comply with the Act, your credit union has adopted the Credit Union Code for Protection of Personal Information (the Code).

What is Personal Information?

OECU obtains information from you directly when you obtain a product from the credit union and, with your permission, from credit bureaus, other financial institutions and references. This information can include your name, address, age, income, use of accounts and credit history and the relationship of others linked to you in account services.

What Does This Mean to You?

OECU has always maintained a high level of confidentiality. We collect only the information required to provide you with the products and services you request; to meet legal and regulatory requirements; and for analytical purposes that assist the credit union in managing our activities.

How We Share Information

OECU provides information to third parties only when required for you to purchase the service or product offered by the third party; for legal requirements such as T5s; and for the purpose of conducting audits or verifications of information. OECU does not sell, lease or disclose any lists of information, personal or otherwise, to any party for any reason except our auditor and regulatory bodies when required.

What Are Your Rights?

Members have the right to see what information OECU holds, to correct information and the right to change the way OECU uses the information. However, changing the way OECU uses your information will limit the services that OECU can provide to you. OECU has appointed a Privacy Officer to ensure compliance with the Code and the regulations.

If you have any comments, inquiries or complaints about the handling of personal information, please contact the Privacy Officer at (905) 795-1637 or by email to mail(at)oecu.on.ca with the subject line "Privacy Issue."

Website Privacy Statement

The following discloses our information gathering and dissemination practices for the OECU website.

Cookies

Cookies are small files containing information generated by a Web server and stored in a user's computer, ready for future access. Our website does not use cookies to record information about our visitors.

Statistical Data

Our hosting servers (as most) track IP addresses and referring pages to help with site maintenance and improvements. This data is viewed only as anonymous statistics to show the busiest times of the day or week, pages with errors and how effective our advertising has been. This information is not used for any other purpose.

External Links

This site may on occasion provide links to other sites for your convenience or additional information. OECU is not responsible for any content or practices of these websites. See our Links & Learning page for a curated directory of trusted resources.

Client Information

Any confidential information that may be collected (electronically or otherwise) from our members for the purpose of conducting business on their behalf is not shared with third parties without the consent of our members.