Legal

All content of this site is the property of Heritage Credit Union unless otherwise noted. Any downloading of text or graphics for purposes other than personal use is prohibited unless authorized by Heritage Credit Union. Although we strive for accuracy, timeliness and completeness, information and rates quoted are not guaranteed and may change at any time.

Heritage Credit Union Internet web sites

The Member acknowledges that:
The information that may be provided on the Heritage Credit Union web site is for information purposes only and is not intended to provide specific financial, tax, accounting or legal advice.

While Heritage Credit Union believes the information contained on the Heritage Credit Union web site to be correct and attempts to keep the information current, Heritage Credit Union does not warrant the accuracy or completeness of any such information and expressly disclaims any liability for errors or omissions in this information; and any links to other web sites 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 Heritage Credit Union web site.

Information and documents provided on this web site are provided "as is" without any warranty. Heritage Credit Union uses reasonable efforts to include accurate and up-to-date information on this web site; it does not, however, make any representations as to its accuracy or completeness. Your use of this web site is at your own risk. Heritage Credit Union, its suppliers, and the other parties involved in creating and delivering this web site's contents are not liable for any damages arising from use of this site.

Cookies

In order to provide better service, we will occasionally use a "cookie." A cookie is a small piece of information that a web site stores on your web browser on your computer and can later retrieve. The cookie cannot be read by a web site 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 "snail mail". You can set up your web browser to inform you when cookies are set or to prevent cookies from being set. However, MemberDirect® Internet Banking 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 Heritage Credit Union online banking services.

Mutual Funds

Commission, trailing commissions, management fees, and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. The indicated rates of return are the historical annual compounded total returns including changes in (share or unit) value and reinvestment of all (dividends or distributions) and do not take into account sales, redemption, distribution, or optional charges or income taxes payable by any security holder that would have reduced returns. Mutual funds are not guaranteed. Their values change frequently, and past performance may not be repeated.

Product Features and Rates

All product features and rates quoted throughout this site are correct at time of issuance and subject to change and/or market fluctuations. The information supplied within this site is for our customers' use only and does not constitute an offer or contract. You may contact us directly for all final details including up to the minute features and rate information.

Linked Web Sites

Linked web sites are not under the control of Heritage Credit Union and Heritage Credit Union is not responsible for their content. You are responsible for viewing and complying with the privacy statements and terms of use posted at the linked web sites. Any dealings that you have with third parties using any linked web sites including the delivery of and payment for goods and services, and any other terms, conditions, representations or warranties associated with such dealings are solely between you and the third party. Heritage Credit Union will not be responsible for any part of such dealings.

Direct Services Agreement  

This Agreement was last updated in 2021 and outlines the terms and conditions governing the Depositor's use of Direct Services, please click here to view.

Code of Conduct for the Credit and Debit Card Industry

Heritage Credit Union is committed to protecting our members, and one of the ways is by following the code of conduct set out by the credit and debit card industry in Canada.

The Code was designed to protect credit union members’ interests related to the issuance and acceptance of payment cards, and to the operation of payment card networks.

The code of conduct is available on our website, as well as on the Financial Consumer Agency of Canada if you require more information.