Terms and Conditions

This agreement (the “Agreement”) outlines the terms and conditions governing the Depositor’s use of Direct Services (defined below). The Financial Institution does not offer Direct Services other than in accordance with these terms and conditions. By requesting and using Direct Services, the Depositor acknowledges their acceptance of these terms and conditions. In consideration of the Financial Institution providing access to any of the Depositor’s Accounts using Direct Services, the Depositor agrees as follows:

Legal Terms and User agreement for Luminus Financial Services & Credit Union Limited's internet site and member services

Trademarks and copyrights protected

Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, trademarks or service marks belonging or licensed to Luminus Financial Services & Credit Union Limited. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks and/or the contents hereof may be a violation of statutory or common law governing trademarks and/or copyrights and could subject the copier to legal action. All of the information found and placed in the pages of this Website is protected under copyright. Unless otherwise specified in writing, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found herein.

Use of information

The information placed on this Website is believed to be complete and accurate at the time the information was placed on the Website by Luminus Financial Services & Credit Union Limited. The information on this Website may change at any time, without notice to you. Luminus Financial Services & Credit Union Limited does not guarantee the completeness or accuracy of the information contained on this Website. For complete, current and detailed information please contact our corporate office at 416.366.5534. The information contained in this Website is not intended to provide you with specific legal, accounting, financial, or tax advice, and you should not rely upon it as such specific advice. Please contact your own legal, accounting, financial, and/or tax advisors in this regard.

References and links not endorsements

Luminus Financial Services & Credit Union Limited references in this Website to products or services other than those offered by Luminus Financial Services & Credit Union Limited, or hyperlinks to other Websites offering products or services.References and Links do not imply or constitute endorsement by Luminus Financial Services & Credit Union Limited of such products or services, or of those providing them.

Trademark references

® INTERAC is a registered trademark owned by INTERAC Inc., authorized user of the mark

™ THE PERSONAL 1 is a trademark owned by Credit Union Central of Ontario, used under license

® GOLDEN ACCOUNT is a registered certification mark owned by Credit Union Central of British Columbia, used under license

VISA is a trademark of Visa International Service Association and used under license..

® CU CREDIT is a registered trademark owned by Canadian Credit Union Association, used under license, and is a service provided by Concentra Financial Services Association.

® CHOICE REWARDS is a registered trademark of CU Electronic Transaction Services Inc. and is used under license.

® ACCULINK is a registered trademark owned by Canadian Credit Union Association, used under license

® PLUS is a registered trademark owned by Visa International, used under license

® MEMBER CARD is a registered trade-mark owned by Canadian Credit Union Association, used under license.

® MEMBER DIRECT is a registered trademark owned by Canadian Credit Union Association, used under license.

® AMERICAN EXPRESS is a registered trademark owned by American Express Co., authorized user of the mark

Member Terms & Conditions

Please click here to view the Luminus Financial Member Terms & Conditions.