Legal

Website terms and conditions of use

Greater Vancouver Community Credit Union provides its website and services to you subject to the following terms and conditions of use, which may be updated by us from time to time without notice to you. Your use of our website constitutes acceptance of these terms and conditions.

Direct Services Agreement

If you access and use this Website, including online banking services, you accept and agree to be bound by the Direct Services Agreement. It outlines the terms and conditions governing the Depositor's use of Direct Services.

Personal Accounts Direct Services Agreement (PDF)
Business Accounts Direct Services Agreement (PDF)

Copyright

The information, artwork, text, video, audio, and pictures contained on our website, and the website design, content and arrangement are protected by copyright laws. You may download information from our website for your personal, non-commercial viewing, but you may not otherwise copy, reproduce, republish, post, transmit, distribute or modify anything from our website without our prior written approval.

Trade-marks

Trademarks of Greater Vancouver Community Credit Union

Greater Vancouver Community Credit Union, the Greater Vancouver Community Credit Union logo, For Real People, Real Banking, Real Investing, Real Borrowing, Real Savings, Real Solutions For Real People, and all other trade-marks and trade names of Greater Vancouver Community Credit Union appearing on this web site are owned by [or licensed to] Greater Vancouver Community Credit Union and may not be used in connection with any product or service that is not Greater Vancouver Community Credit Union's, in any manner that is likely to cause confusion, or in any manner that disparages or discredits Greater Vancouver Community Credit Union.

Trademarks of Third Parties
ACCULINK	^®ACCULINK is a registered trade-mark owned by Credit Union Central of Canada, used under license.
Android, Google Play	Android and Google Play are trademarks of Google Inc.
Apple, App Store, Apple Logo	Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPhone, iCloud and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Apple Inc. is not a sponsor or participant of Mobile Banking or Greater Vancouver Community Credit Union Mobile Deposit for Greater Vancouver Community Credit Union.
DING FREE	^®DING FREE & Design are registered trade-marks of Central 1 Credit Union, used under license.
Interac e-Transfer^®, Interac^® Flash, the Interac logo	^®Trade-mark of Interac Inc. Used under license.
HANDS & GLOBE	^®HANDS & GLOBE Design is a registered certification mark owned by the World Council of Credit Unions, used under license.
MEMBERDIRECT MEMBER CARD	^®MEMBERDIRECT, ®MEMBER CARD and MEMBER CARD & Design are registered certification marks owned by Canadian Credit Union Association, used under license.
Plan 24^® Savings	^®Plan 24 is a registered trademark owned by Canadian Credit Union Association, used under license.
THE EXCHANGE	^®THE EXCHANGE is a registered trade-mark of Fiserv Inv., licensed for use in Canada by FICANEX Services Limited Partnership.
Collabria MasterCard	^®The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Disclaimer

This website, and the materials on it, are provided "as is". Greater Vancouver Community Credit Union makes no representations or warranties of any kind, express or implied, as to the operation of this website, our services, or the information, content, materials, services or products included or referenced on this website. Greater Vancouver Community Credit Union is not responsible for any direct, indirect, special or consequential damages arising out of your use of this website, including any damages you may suffer as a result of your personal information being transmitted between you and Greater Vancouver Community Credit Union.

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, GREATER VANCOUVER COMMUNITY CREDIT UNION DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Limitation of liability

Greater Vancouver Community Credit Union will not be liable to any party for any damages of any kind including but not limited to direct, indirect, special or other consequential or incidental damages, lost profits, business interruption or otherwise arising directly or indirectly from the use of this website or Greater Vancouver Community Credit Union's services, even if Greater Vancouver Community Credit Union is expressly advised of the possibility of such damages.

Information

All information provided on this website is believed to be accurate and reliable when it was posted on this site. However, we cannot guarantee that all information is accurate, complete or current at all times. The material on our website is for informational purposes only; it is not intended to be financial or legal advice. Please contact one of our member service representatives for more information before you act on any materials or information you see on our website. The information on this website 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 such a solicitation. The products and services offered by Greater Vancouver Community Credit Union are subject to various terms and conditions.

Jurisdiction

The laws in force in the province of British Columbia, Canada, will govern these disclaimers, terms, conditions and any claims you make against Greater Vancouver Community Credit Union. You agree that any action at law or in equity arising out of or relating to these disclaimers, terms and conditions will be filed only in the courts located in the province of British Columbia, and you hereby consent and submit to the personal jurisdiction of such courts for the purpose of litigating such action.

Severance

If any of these terms or conditions is unlawful, void or unenforceable, then that term or condition is severable and will not affect the validity and enforceability of the remaining terms and conditions.

General

Greater Vancouver Community Credit Union may amend these Website Terms of Use at any time. Accordingly, you should periodically re-visit these terms to review the then-current Website Terms of Use governing your use of this website. Certain portions of these Website Terms of Use may be superseded by terms of other contracts between you and Greater Vancouver Community Credit Union.

Deposit Insurance

At Greater Vancouver Community Credit Union, your deposits are 100% protected by the Credit Union Deposit Insurance Corporation of British Columbia ("CUDIC").

Please refer to the CUDIC Brochure for more information.

Code of Conduct for the Credit and Debit Card Industry in Canada

"The purpose of the Code is to demonstrate the industry’s commitment to:

Ensuring that merchants are fully aware of the costs associated with accepting credit and debit card payments, thereby allowing merchants to reasonably forecast their monthly costs related to accepting such payments.
Providing merchants with increased pricing flexibility to encourage consumers to choose the lowest-cost payment option.
Allowing merchants to freely choose which payment options they will accept." - Government of Canada

Review the Code of Conduct for the Credit and Debit Card Industry in Canada here.

Market Conduct Code

Credit unions are unique institutions. Operating in Canada for over 100 years, credit unions are financial cooperatives that are governed and financed differently than banks. At credit unions, members are shareholders. Being a member means sharing in the credit union’s success.

At Greater Vancouver Community Credit Union (GVCCU), our primary motivation is providing quality products and services to our members. We are committed to ensuring that our members are completely satisfied with the level of services they receive.

This is Greater Vancouver Credit Union’s Market Conduct Code.

The Code recognizes the best practice principles we pledge to follow for soliciting, promoting, advertising, marketing, selling or distributing our products or services. The Code demonstrates our commitment to the fair treatment of all those who use our services. We believe in fair sales practices, comprehensive access to banking services, transparency and openness, and a reasonable approach to settling complaints. Individuals are entitled to the best possible care of their financial interests. We respect all our provincial regulatory obligations, and continually practice absolute excellence in consumer protection. Our best practices can be summarized in five key principles:

Business Practices:

We are committed to providing fair treatment to all our members and customers using our products and services. It is a core component of our governance and corporate culture.

Fair Treatment and Fair Sales:

Treating members and customers fairly and demonstrating fair sales practices at all times are integral parts of our business practices.

Access to Banking Services:

We ensure that all credit union members and customers are granted access to fundamental financial services.

Transparency and Disclosure:

The credit union uses plain-language descriptions of products and services in its communications to ensure people make informed decisions.

Complaint Handling:

We examine complaints and work to settle them fairly, and we track complaints to help ensure our practices continue to improve. Click here* for the complaint handling process.

Click here to read our complete Market Conduct Code.

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Your money is 100% protected by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).

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Website terms and conditions of use

Direct Services Agreement

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Trade-marks

Trademarks of Greater Vancouver Community Credit Union

Trademarks of Third Parties

Deposit Insurance

Code of Conduct for the Credit and Debit Card Industry in Canada

Market Conduct Code

This is Greater Vancouver Credit Union’s Market Conduct Code.

Business Practices:

Fair Treatment and Fair Sales:

Access to Banking Services:

Transparency and Disclosure:

Complaint Handling:

Connect with us

Empowering people along
their financial journey.

Banking

Borrowing

Investing

About

Legal

Website terms and conditions of use

Direct Services Agreement

Copyright

Trade-marks

Trademarks of Greater Vancouver Community Credit Union

Trademarks of Third Parties

Deposit Insurance

Code of Conduct for the Credit and Debit Card Industry in Canada

Market Conduct Code

This is Greater Vancouver Credit Union’s Market Conduct Code.

Business Practices:

Fair Treatment and Fair Sales:

Access to Banking Services:

Transparency and Disclosure:

Complaint Handling:

Connect with us

Empowering people alongtheir financial journey.

Empowering people along
their financial journey.