Product Notice

Terms and Conditions

Use Restrictions

The copyright in all material provided on this site ("Site") is held by Creative Arts Financial, a division of FirstOntario Credit Union ("Creative Arts Financial") or by the original creator of the material. Any unauthorized use of any material contained on this Site may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Notice

Use of this Site is subject to certain Terms of Use which constitute a legal agreement between you and Creative Arts Financial. Please review this information and, if you do not agree, do not use this Site.

Although we strive for accuracy, timeliness and completeness, rates and information quoted are not guaranteed and may change at any time.

By use of this Site, you acknowledge that:

the information which may be provided on the Creative Arts Financial Website is for informational purposes only and is not intended to provide specific financial, tax, accounting or legal advice;

while Creative Arts Financial believes the information contained on the Website to be correct and attempts to keep the information current, Creative Arts Financialn does not warrant the accuracy or completeness of any such information and expressly disclaims any liability for errors or omissions in this information;

any links to other Websites are provided for convenience only and no endorsement of any third party products or services is expressed or implied by any information referred to or linked from or to the Creative Arts Financial Website;

Creative Arts Financial does not represent or warrant that the services provided through the Creative Arts Financial Website will be uninterrupted or error free, that defects will be corrected or that the Website or the server that makes it available are free of viruses or other harmful components;

Creative Arts Financial recommends that the member install, update and use an anti-virus program whenever the Creative Arts Financial Website is accessed. Creative Arts Financial also recommends that the member establish a data backup and recovery process to protect data from any loss or damage;

and in no event will Creative Arts Financial or any of its affiliates be liable to the member or any third party for any loss or damage of any sort (including destruction or loss of data, software or hardware) whether arising in contract, tort or otherwise, caused by or arising in connection purposes only and is not intended to provide specific financial, tax, accounting or legal advice.

Copyright and Trademarks

®ACCEL is a registered trademark owned by Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership.

® ACCULINK and ACCULINK Hand & Card Design are registered trade-marks owned by Canadian Credit Union Association, used under license.

®CIRRUS is a registered trademark of Mastercard® International used under license.

®CIRRUS is a registered trademark of Mastercard® International used under license.

™CUIS and the CUIS™ design are trademarks of Credit Union Central of Canada and are used under license.

 ®CUMIS is a trademark of CUMIS Insurance Society, Inc. and is used under license.

™DEPOSIT ANYWHERE is a trademark of Central 1 Credit Union. FirstOntario Credit Union is a licensed user.

®DING FREE & Design are registered trade-marks of Central1 Credit Union, used, used under license.

®HANDS & GLOBE Design is a registered trademark owned by the World Council of Credit Unions and is used under license.

®Interac, Interac Flash, Interac e-Transfer and the Interac logo are trade-marks of Interac Inc. Used under license.

®MASTERCARD is a registered trademark owned by Mastercard International and is used under license.

®MEMBERDIRECT is a registered trademarks owned by Credit Union Central of Canada and are used under license.

™MERITLINE and MERITLINE LINE OF CREDIT are Trademarks of Credit Union Central of Ontario Limited, used under licence.

®PLUS is a trademark owned by Visa Int'l and is used under license.

*The Collabria Visa Card is issued by Collabria Financial Services Inc., pursuant to a license from Visa.  Visa is a trademark of Visa Int. and is used under license.

*The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMV Co. LLC.

®THE EXCHANGE is a registered trade-mark of Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership.