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Terms of use

Your acceptance of these terms and conditions

Please read these terms and conditions carefully, as they govern your use of this Vancity Good Money blog website and any content, information and services provided on or through the website (the “Website). Your use of the website will constitute your acceptance of, and agreement to be bound by, these terms and conditions. These terms and conditions exempt Vancity and other persons from liability or limit their liability and contain other important provisions that you should read. Each time you use this Website, the most current version of these terms and conditions will govern your use. Accordingly, when you use the Website you should review them for any changes since the last version. Additional or different conditions of use may apply to other Vancity sites, and you should review the conditions of use posted on the site(s) you wish to use.

The Vancity Group of Companies

For the purposes of these terms and conditions, the Vancity Group of Companies (“we” the “Vancity Group” or simply, “Vancity”) is comprised of Vancouver City Savings Credit Union, and its subsidiaries, affiliates and business partners, including Citizens Bank of Canada (“Citizens Bank”), Vancity Insurance Services Ltd., Vancity Investment Management Ltd., Vancity Enterprises Inc., and Vancity Capital Corporation.

Warranties and Limitation of Liability

Information and documents provided on this Website are provided “as is” without any warranty. Vancity uses reasonable efforts to furnish accurate and up-to-date information on this Website; it does not, however, warrant its accuracy, adequacy, timeliness or completeness. Information, including any references to rates and fees, is subject to change at any time without notice to users.

Your use of this site shall be entirely at your risk. Vancity, its officers, directors, employees or agents thereof, as well as any person associated with the creation and maintenance of this Website or its contents will not be responsible in any manner for any harm, loss or damage, however caused, arising out of your use of this site, including direct, indirect, special, third party or consequential damages. We will not be responsible for any detrimental reliance that you may place upon the site or its contents.

Vancity and its affiliated companies and representatives will have no liability:

  1. (a) for your use of this Website;
  2. (b) for the accuracy or completeness of the information provided by third parties;
  3. (c) for delays, errors, interruptions or omissions in such information;
  4. (d) for actions taken in reliance on this information; or
  5. (e) for loss or damages of any kind (including, without limitation, lost profits, indirect, special or consequential damages) arising from the provision of this information.

THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND THE WARRANTY AGAINST INFRINGEMENT WITH RESPECT TO THE INFORMATION PROVIDED AND THE USE OF THIS SERVICE. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

Third Parties

No endorsement of any third party products, services or information is made or implied by any information, material or content referenced or included on, or linked from or to this Website.

The content on this site represents the views and opinions of the specific author(s) and does not necessarily represent those of Vancity.

Vancity may use third party service providers to provide certain content, tools and/or programs, some of which may be housed on a third party server or a site which has been independently developed by others. As such, while accessing this site you may be linked to such other third party servers. Access to other sites or use of any third-party tools or programs on this site are subject to all the terms and conditions found on such third party site(s).

Third-party websites accessed by hypertext links appearing on this site may have been independently developed by others. We are not responsible for the contents or operation of such third party sites and we do not guarantee the accuracy of any information in them. The listing of an organization not affiliated with Vancity on this site should not be interpreted as an endorsement of its services or products by any of the Vancity or their representatives. Vancity disclaims any and all responsibility and liability for the accuracy, content, completeness, legality, reliability or operability of such third party websites or the services and resources available on them. Any concerns regarding any such service or resource should be directed to the particular service or resource.

Services and Advice – Disclaimer

Nothing on this site constitutes an offer to buy or sell products or services of Vancity. All products and services are subject to the terms and conditions of any applicable agreements.

This site is not intended to provide you with any personalized financial, accounting or tax advice. It should not be used as a substitute for personal advice from a representative of Vancity or an appropriate professional advisor. This site is not intended to provide you with any legal advice. If you require legal advice, please consult with your lawyer.

Personal Information

You acknowledge and agree that Vancity may disclose any information as necessary to satisfy any law, regulation or other governmental or court request.

Vancity is committed to respecting the privacy of your personal information. For further information on how we protect your personal information refer to our privacy policy. However, it is important to keep in mind that the Internet is not a secure medium of communication. For this reason, we cannot guarantee the privacy of any information you input, send to us, or request be delivered to you during its transmission over the Internet. We will not be responsible for any damages you or others may suffer as a result of the loss of confidentiality of such information in the course of transmission over the Internet.

Intellectual Property

The content of this site is protected by copyright.

The Website, as well as the selection and arrangement thereof, are the sole property of Vancity and/or its licensors and are protected by patent, copyright, trademark and other intellectual property laws and may not be used except in accordance with these terms or with Vancity’s express written consent. Vancity grants no other privileges or rights in the Website to you, and you must keep intact all patent, copyright, trademark and other proprietary notices on the Website. Any content owned by Vancity’s licensors may be subject to additional restrictions. Except as expressly provided in these terms and conditions, no part of the Website may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way to any other computer, server, website or other medium for publication or distribution or for any commercial enterprise, without Vancity’s express prior written consent. For the purposes of clarity, sharing this Website through social media is expressly permitted by Vancity, provided that no modifications or alterations of any kind are made to any content that has been shared.

All trademarks, service marks, trade names, logos and trade dress, whether registered or unregistered (collectively the “Marks”) that appear on the Website are proprietary to Vancity or such Marks’ respective owners. You may not display or reproduce the Marks other than with the prior written consent of Vancity or the Marks’ respective owner, and you may not remove or otherwise modify any trademark notices from any content on the Website. The Marks are protected by trademark, trade dress, copyright, and various other intellectual property rights and unfair competition laws. All rights reserved.

In addition, all page headers, custom graphics, button icons, and scripts are trademarks, service marks, trade names and/or trade dress of Vancity or their respective owners, and may not be copied, imitated, or used, in whole or in part, without the prior written permission of Vancity.

General

If any provision in these conditions of use is held invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. These conditions of use shall be governed by and construed in accordance with the laws of the Province of BC and applicable laws of Canada. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of BC sitting in the City of Vancouver in any action or proceeding related to your use of this site.

Infringement/Complaint Notice Procedure

Vancity respects intellectual property and privacy rights. If you believe that any of the content on the Good Money™ blog infringes or violates your legal rights, please let us know by sending an email to good.money.feedback@vancity.com with the subject “Complaint” and setting out the following information:

•  your full legal name;

•  your email address and telephone number (so that we can reply to your notice);

•  the title and date of the relevant blog post and a brief description of the infringing content; and

•  a brief explanation of why you believe the content infringes or violates your legal rights.

We will send an email to you acknowledging receipt of your email.

Thank you.

Vancity Good Money™ Blog Team