Date last modified: 26 October 2017

This website (the “Website”) is owned and maintained by Connect First Credit Union (“Connect First”), of which First Calgary Financial, Chinook Financial and Legacy Financial are divisions. References to the Website include all related web pages, content (including mobile content), social media pages, materials and information provided or made available by Connect First, but exclude Third Party Websites (as defined below).

Application

These Legal Terms of Use (the “Terms of Use”) apply to and govern your use of the Website. If you access or use the Website, or view, download, print or use any of the contents, documentation, web pages, information, materials, or features or functionality on or available through the Website, as well as any social media pages used or made available by Connect First (collectively, the “Content”), then you accept and agree to be legally bound by, and to comply with, these Terms of Use.

These Terms of Use will apply, without limitation, to your use of any downloadable application and any software or other technology to access the Content made available or provided by Connect First on the Website.

In the event of any conflict between these Terms of Use and any other legal statements on any of the Content or the Website, these Terms of Use will apply and take priority unless the other legal statement expressly provides otherwise.

Amendments and Changes to the Content

Connect First may change or amend these Terms of Use without notice at any time, and from time to time. You agree and confirm that it is your responsibility to check for such changes each time you access or use the Website or the Content, and such access or use will confirm your acceptance of these Terms of Use as amended. Any breach of these Terms of Use may result in legal action, and all legal rights of Connect First are expressly reserved.

Connect First may also change the Content or the Website from time to time, and at any time. These Terms of Use will apply and continue to apply to the Website and all Content, and you use thereof, regardless of any such changes. Connect First will have no liability to you for changes to the Content or to the Website, including removal of any features, functionality or Content you may wish to use.

No Offer of Advice

The Content and the Website are for informational purposes only and are not intended to provide specific financial, investment, tax, accounting, legal, business or any other advice to you, and should not be acted on or relied on without seeking appropriate professional advice from advisors who can help to ensure that proper consideration is given to your particular circumstances, and that any action you take or may avoid taking is based on professional advice and the latest information available.

Ownership of Website and Content

This Website and all the Content, and any and all trade-marks, trade names, designs and logos, and the layout, selection and arrangement of the Website and the Content, and their features are subject to copyright, trade-mark and other intellectual property rights of Connect First or its licensors, and to international laws and treaties protecting intellectual property. Any trade-marks of third parties are the property of such third parties. All rights not expressly granted are reserved.

Grant of Limited License

You are granted a limited, non-exclusive, temporary, revocable and personal license to download, display, view and print the Content for your own personal and non-commercial use, provided that you do not modify the Content, remove any proprietary notices or copy or use the Content in any manner not expressly permitted by these Terms of Use. The foregoing license is conditional upon your accepting and agreeing to these Terms of Use and your strict compliance with them. No other right, title, interest or license is granted.

Any other copying, reproduction, publication or republication, modification, download, upload, posting, distribution, dissemination or transmission of the Content not expressly permitted by these Terms of Use is prohibited and may constitute infringement and violation of the intellectual property rights, including without limitation copyright and trade-mark rights, and other rights of Connect First. Framing of the Content of this Website or linking to pages of this Website other than the home page without the express permission of Connect First is not permitted. Connect First reserves the right to revoke any permission, express or implied, to link to this Website at all.

Availability

The products and services of Connect First and the Content are not available where prohibited by law, and are only available where Connect First is permitted by law to offer or provide them and further where Connect First agrees to make the products, services and/or Content available.

Assumption of Risk and Compliance with Local Laws
If you choose to access the Website or the Content, you do so entirely at your own risk and on your own initiative, and you are responsible for compliance with all applicable local, provincial, state, national or international laws.

Information Provided by You

Any submission by you of any request, instructions or application is subject to acceptance by Connect First, and may be rejected or declined by Connect First.

You agree, warrant and represent that you have all necessary rights to submit or provide all information and materials that you provide to Connect First through the Website, that the information and materials do not infringe, violate or misappropriate the rights of any third party, and that the information and materials are true, accurate, complete and correct. You grant an irrevocable and non-exclusive license to Connect First to use, copy, display, transmit and distribute any and all information and materials submitted via this Website for any lawful purpose. Personal Information submitted may be subject to our Privacy Code. [link to the code]

Disclaimers and Limitations

The Content is for general informational purposes only and is provided merely as a convenience for interested parties. The Content does not constitute business, financial, investment, tax, legal or other advice and you agree that you will not act, or refrain from acting, in reliance on or based on the Content.

WHILE CONNECT FIRST HAS MADE REASONABLE EFFORTS TO ENSURE THE ACCURACY OF THE CONTENT, AND IT IS BELIEVED TO BE REASONABLY ACCURATE AS OF THE TIME OF POSTING, CONNECT FIRST DOES NOT GIVE, AND YOU DO NOT RECEIVE, ANY REPRESENTATION, WARRANTY, CONDITION OR GUARANTEE AS TO THE VALIDITY, CORRECTNESS, ACCURACY, CURRENCY, TIMELINESS, COMPLETENESS, RELIABILITY, SUFFICIENCY OR OTHERWISE OF THE CONTENT OR THE WEBSITE, INCLUDING ALL CLAIMS OR INFORMATION CONTAINED IN THE CONTENT OR WEBSITE. YOU ACKNOWLEDGE AND AGREE THAT THE CONTENT AND THE WEBSITE MAY NOT ALWAYS BE THE MOST CURRENT SOURCE OF INFORMATION, AND YOU FURTHER AGREE THAT CONNECT FIRST ACCEPTS NO RESPONSIBILITY FOR, AND SHALL HAVE NO LIABILITY TO YOU FOR ANY FAILURE TO UPDATE THE CONTENT OR THIS WEBSITE IN A TIMELY FASHION, OR AT ALL.

YOU ACKNOWLEDGE AND AGREE THAT IN NO EVENT WILL CONNECT FIRST, OR ITS DIRECTORS, OFFICERS, EMPLOYEES, SERVANTS OR AGENTS, BE LIABLE TO YOU IN ANY MANNER WHATSOEVER FOR ANY LOSS, CLAIM, COST OR DAMAGES OF ANY KIND, INCLUDING DIRECT, INDIRECT, GENERAL, SPECIAL, CONSEQUENTIAL OR INCIDENTAL DAMAGES, ARISING OUT OF ANY USE OF OR MISUSE OF, OR DOWNLOADING OR VIEWING OF, OR INTERPRETATION OF OR RELIANCE UPON, THE CONTENT OR THIS WEBSITE, WHETHER AUTHORIZED OR UNAUTHORIZED, OR ANY ERRORS, INACCURACIES, OMISSIONS OR DEFECTS IN THE CONTENT OR THIS WEBSITE, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR BUSINESS LOSS, ECONOMIC LOSS, HARM TO BUSINESS, LOSS OF PROFITS, FAILURE TO REALIZE EXPECTED RESULTS, PROFITS OR SAVINGS, INTERRUPTION OF ACTIVITIES, LOSS OF OR DAMAGE TO DATA OR COMPUTER SYSTEMS, OR ANY OTHER ECONOMIC OR PECUNIARY LOSS OR DAMAGE WHATSOEVER, REGARDLESS OF THE FORM OF ACTION OR LEGAL THEORY, INCLUDING TORT (INCLUDING NEGLIGENCE AND NEGLIGENT MISSTATEMENT), CONTRACT, STRICT LIABILITY OR BREACH OF ANY DUTY. YOU AGREE THAT THE FOREGOING SHALL APPLY EVEN IF SUCH DAMAGES ARE REASONABLY FORESEEABLE OR IF CONNECT FIRST HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

CONNECT FIRST DOES NOT WARRANT OR GIVE ANY CONDITION THAT THE WEBSITE OR THE CONTENT WILL BE FREE OF VIRUSES, WORMS, TROJANS, SPYWARE, MALWARE OR ANY OTHER MALICIOUS OR DESTRUCTIVE CONTENT OR CODE, OR THE RESULTS OF HACKING, CRACKING OR OTHER MALICIOUS HUMAN ACTIVITIES (COLLECTIVELY, THE “THREATS”). YOU ACCESS, VIEW, DOWNLOAD AND USE THE CONTENT AND THE WEBSITE SOLELY AT YOUR OWN RISK AND YOU WARRANT AND REPRESENT THAT YOU HAVE TAKEN REASONABLE PRECAUTIONS BY WAY OF, WITHOUT LIMITATION, PURCHASE AND USE OF THE LATEST FIREWALL, ANTI-VIRUS, ANTI-SPY WARE AND OTHER TECHNOLOGICAL MEANS TO AVOID ANY LOSS OR DAMAGE TO YOU FROM ANY OF THE THREATS.

YOU FURTHER AGREE THAT THE INTERNET IS AN INHERENTLY INSECURE AND NOT FULLY DEPENDABLE MEDIUM AND THAT DATA AND INFORMATION MAY BE LOST, MODIFIED, DISTORTED OR INTERCEPTED IN TRANSIT, THAT THE CONTENT MAY NOT BE ACCURATE OR COMPLETE WHEN VIEWED, ACCESSED OR DOWNLOADED BY YOU TO YOUR COMPUTER FOR DISPLAY AND/OR USE AND THAT CONNECT FIRST SHALL HAVE NO LIABILITY WHATSOEVER FOR ANY SUCH LOSS, MODIFICATION, DISTORTION OR INTERCEPTION.

Third Party Websites

You agree that any hypertext links contained in the Website and linking to third party websites (“Third Party Websites”) are provided to you as a convenience only and link to websites which are not within the control of Connect First, which do not form part of the Content, and which are subject to change at any time. You access such Third Party Websites solely at your own risk and agree that in no event shall Connect First be liable for the contents of any such Third Party Website, or for any use of or reliance upon any such Third Party Website by you.

No approval or endorsement of the contents of any Third Party Website, or of any third party, or any information, advice, opinions, products or services of any third party or Third Party Website is expressed or implied by any of the Content or this Website, or by any posting or making available of links to Third Party Websites.

Any social media websites used or made available by Connect First shall be subject to these Terms of Use and are considered Third Party Websites. However, you agree to comply with the terms of use of any social media website used or made available by Connect First in addition to your compliance with these Terms of Use. Connect First reserves the right to remove, delete or hide any posting made by you to social media websites controlled, used or made available by Connect First.

Forward-Looking Statements

This Website may contain forward-looking statements that may be identified by the use of words such as “outlook”, “estimate”, “anticipate”, “expects” or similar words, phrases or expressions. Such forward-looking statements are based on assumptions that involve a number of risks, unknowns or uncertainties, and are not guarantees of future performance. Past performance does not guarantee or imply any specific future performance. Actual results could materially differ.

Alberta Law Applies

The laws of the province of Alberta, excluding its conflicts of laws provisions, and the laws of Canada applicable in Alberta, shall govern your use of this Website and the construction, interpretation, validity, enforcement and effect of these Terms of Use. The foregoing shall apply notwithstanding your physical location, jurisdiction, residence or domicile. Subject to the rights of Connect First to commence an action for equitable or injunctive relief in any court of competent jurisdiction to restrain any breach of these Terms of Use by you, you hereby attorn and submit to the exclusive jurisdiction of the courts of the province of Alberta, sitting at Calgary, and without regard to the conflicts of laws provisions of such courts, in any action or proceeding related to this Website or these Terms of Use and undertake and agree to not commence any action or proceeding except in Calgary, Alberta, Canada. You further agree to not commence any action by way of class action or class proceedings.

©2017 Connect First Credit Union

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*Terms and conditions apply. Rates are subject to change without notice. Specials offers may be changed, withdrawn or extended at any time, without notice. All products are subject to Legacy Financial lending criteria, fees and charges for residential properties. The advice on our website is prepared without knowing your personal objectives, fit for you. Legal Terms of Use apply.

A Division of ConnectFirst Credit Union