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I hearby authorize and instruct Shaunavon Credit Union to act on any information
received from me. I agree to be bound legally from the time the message is received
by Shaunavon Credit Union. I acknowledge that any information acted upon by
Shaunavon Credit Union will be conclusively deemed to be my valid instructions,
whether or not authorized by me or whether or not accurately communicated and
received. Shaunavon Credit Union's record will be conclusive evidence of the
information.
Shaunavon Credit Union my decline or delay acting on any message for any reason.
If, the instructions are incomplete or ambiguous or cannot be carried out due
to insufficient funds or otherwise, if we doubt the authenticity of any message,
or the lawfulness of any instructions given in any message, we may decline or
delay acting on the message.
Shaunavon Credit Union will use reasonable efforts during normal business hours
to monitor our telecommunications systems to determine if we have received any
messages. Our ability to act upon messages depends on the normal functioning
of our telecommunications systems.
Shaunavon Credit Union is not responsible for any delay, failure of performance,
damage, penalty, cost, expense or inconvenience resulting to you or any other
person from causes beyond our control. In no event is Shaunavon Credit Union
liable for any indirect, special, incidental or consequential damages regardless
of whether any claims are based upon contract, tort, or other legal or equitable
theory and regardless of whether Shaunavon Credit Union has been given notice
of such claims in advance.
Privacy
The credit union will adhere to Privacy standards which it has adopted from time to time, and will need my/our consent to release personal information gathered about me/us except when the law allows the credit union to so without my/our consent. For that purpose:
I/We acknowledge and accept this as written notice that the credit union will be collecting and gathering personal, financial and credit information from and about me/us (Information) to:
(i) obtain credit reports and evaluate my/our credit rating and credit worthiness;
(ii) determine my/our financial situation and make decisions about loan or credit applications;
(iii) administer, monitor and service my/our account and collect my/our loan;
(iv) administer and manage security and risk in relation to my/our loan and any of my/our accounts and the financial services provided to me/us;
(v) comply with legal, security and regulatory requirements;
(vi) assist in dispute resolution;
(vii) understand my/our needs and eligibility for products or services;
(viii) offer and provide me/us with the other products and services of the credit union and of its affiliates and service suppliers.
I/We understand
the credit union requires and may use my/our Social Insurance or Business Number
as may be applicable as an aid to identify me/us with credit bureaus and other
financial institutions for credit matching purposes or for income tax reporting
purposes. I/We also understand that the provision of my/our Social Insurance
Number for credit matching purposes is optional and is not a condition of service.
I/we understand that the Credit Union needs my/our consent to collect, use and
disclose Information gathered about me/us except when the law allows the Credit
Union to do so without my/our consent. For that purpose, I/we authorize, consent
to, and accept this as written notice of the Credit Union obtaining, gathering,
updating, disclosing, sharing or exchanging such Information about me/us at
any time for the purposes described including from or with any credit bureau,
government agency, credit grantor or other entity in possession of such Information
and I specifically direct and authorize such entities to provide Information
at the Credit Union's request. The Credit Union is also authorized to continually
update, obtain and use Information at any time in connection with my/our loans,
including enforcement purposes. The Credit Union may share and exchange information
with any guarantor of the loan. The Credit Union may use this Information for
so long as it is needed for the purposes described. I/we understand that I/we
can ask the Credit Union to stop using the Information to offer other products
or services at any time.
I/we also understand that I/we may ask the Credit Union to stop using my/our Social Insurance Number for credit matching purposes at any time. I/we understand it is necessary to keep my/our Information current and I/we agree to notify the Credit Union of any changes in my/our Information.
For the purpose of this authorization, Credit Union affiliates and service suppliers mean Credit Union affiliates and service suppliers that are engaged in the business of providing services or products to the public in Canada including, but not limited to, deposits, financing arrangements, credit, charge and payment card services, trust and custodial services, securities and brokerage services, insurance services, electronic services, information and technology services, educational and consulting services.
Credit Union and Privacy legislation prescribe and restrict the use of personal, financial or credit information (Information) without consent. To obtain details about Credit Union policies and procedures for protecting privacy of Information and Customer rights please contact Shaunavon Credit Union, Attention: Privacy Officer.
When viewing some of our application forms you may experience
some variances between different browsers. For best viewing please use Netscape
or Internet Explorer browsers version 4.01 or higher.