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Online Policies

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Online Policies

  • Online Policies

Legal

IMPORTANT: This notice governs use of this world wide web site ("site") sudburycu.com. By accessing this site, you agree to the following terms found in this disclaimer and the conditions of use. By using this site you acknowledge that you have read the disclaimer and the Conditions of Use and that you accept the terms thereof. If you do not agree to these Conditions of Use, do not use this site.  This site includes information and functions which are subject to change without notice. Sudbury Credit Union wants the information and functions to be as up-to-date and accurate as possible, but we cannot guarantee and we expressly do not warrant that they are error-free or that your access will be uninterrupted or that material accessible from this site is free of viruses.

Conditions of Use

This site, including all content, software, functions and information made available on or accessed through this site, is provided “as is”. Sudbury Credit Union and its subsidiaries and affiliates make no representations or warranties of any kind whatsoever for the contents on this site or the information and functions made accessible by the software used herein or for any products or services or hypertext links to third parties. To the fullest extent permissible by law, Sudbury Credit Union and its subsidiaries and affiliates disclaim any express or implied warranties, including without limitation, non-infringement, merchantability or fitness for a particular purpose. Sudbury Credit Union and its subsidiaries and affiliates shall not be liable for damages resulting from the use of the site, including without limitation, for any errors contained herein related to the use or performance of this site or its contents under any circumstances, including, but not limited to, negligence, shall Sudbury Credit Union or its subsidiaries or affiliates be liable for any special or consequential damages that are related to the use of, or the inability to use, the materials and functions in this site, even if Sudbury Credit Union or its subsidiaries or affiliates or an authorized representative thereof has been advised of the possibility of such damages. In no event shall Sudbury Credit Union’s or its subsidiaries’ or affiliates’ total liability to you for all damages, losses, and causes of action (whether in contract or tort, including, but not limited to, negligence or otherwise) exceed the amount paid by you to Sudbury Credit Union, if any, for accessing the site.

Any or all material and information provided by any user to this site may be included in any database owned by Sudbury Credit Union and our subsidiaries and affiliates in which we have rights and interest, including but not limited to the compilation copyright. Sudbury Credit Union reserves the right to use any information you provide to us or that is obtained through your use of this Web site to the fullest extent permitted by law.

User shall not transmit any material or information to this site which infringes on any copyright or other proprietary rights of any other person.

The general information provided in this web site (intended, but not promised or guaranteed to be correct, complete, or up-to-date) is not intended to be a source of legal, accounting, financial, tax or any other advice.  Do not rely on information at this site or others in place of the advice of competent counsel. The webmaster of this site will gladly remove any link from this site upon request from the linked entity. This web site is not sponsored or associated with any particular linked entity unless specifically stated. The existence of any particular link is simply intended to imply potential interest to the reader.  Inclusion of a link should not be construed as an endorsement or otherwise (please see "Third Party References/Links" below).

Copyright

Copyright in the content of this site, including the screens displaying the pages and their arrangement, is owned by Sudbury Credit Union unless otherwise indicated. All rights reserved. Users of Sudbury Credit Union's web site pages (the "Work") shall only be entitled to copy the Work for their own personal use but may not republish nor reproduce any substantial part of the Work in any matter whatsoever, including but not limited to electronically producing the Work by "uploading", "downloading" or accessing the Work on the internet or any other local or international computer system, without the prior written consent of Sudbury Credit Union, and any such unauthorized use constitutes copyright infringement. An acknowledgment of the source must be included whenever Sudbury Credit Union's material is copied or published.

Calculators

Calculators or projections are for general illustrative purpose only, and are not guaranteed to be accurate or complete. Please use them only as guides or estimates. Contact any Sudbury Credit Union branch to obtain more information.

Third Party References/Links

References in this web site to third parties' goods or services are not endorsements or approval of such goods or services; links to web sites outside of Sudbury Credit Union are meant for convenience only and not endorsements or approval of such sites. Sudbury Credit Union will not assume any liability for incompatibility, non-suitability, viral infection, worms, Trojan horses, or other destructive/disruptive components on or from such sites.

® Hands & Globe Design is a registered certification mark owned by the World Council of Credit Unions, used under license.

Customer Service Statement

Providing Goods and Services to People with Disabilities

Sudbury Credit Union strives at all times to provide its products and services in a way that respects the dignity and independence of people with disabilities.  We are committed to giving people with disabilities the same opportunity to access our products and services and allow them to benefit from the same services, in the same place and in a similar way as other member owners.

This policy explains some of the things that Sudbury Credit Union has done to ensure individuals can use our products and services without barriers.  At the same time, individuals may have other needs that may need to be considered on a case-by-case basis.  This policy sets out a process to notify Sudbury Credit Union about these situations so that we can work with member owners to make our products and services accessible.

Principles

The following principles will guide Sudbury Credit Union in making its processes accessible:

Products and services should be provided in a manner that respects the dignity and independence of member owners.

  • Products and services should be provided in a manner that fosters physical and functional access to Sudbury Credit Union and promotes the inclusion, and full participation of member owners and potential member owners.
  • All persons within our Bond of Association should be given equal opportunity to obtain, use, and benefit from Sudbury Credit Union’s products and services.  Where required, individualized accommodation will be provided, short of undue hardship.

Sudbury Credit Union is committed to excellence in serving all member owners and will carry out our functions and responsibilities as outlined in the Accessibility for Ontarians with Disabilities Act, 2005 (AODA) in the following areas:

1. Communication

We will communicate with people with disabilities in ways that take into account their disability. We will train our staff who communicate with our member owners to interact and communicate with people with various types of disabilities in a manner that respects the needs of the individual.

2. Telephone Services

We are committed to providing fully accessible telephone service to our member owners.We will train our staff to communicate with customers over the telephone in clear and plain language.

3. Assistive Devices

Sudbury Credit Union recognizes that some individuals require the use of support services to assist with daily needs including communication or mobility devices.  Sudbury Credit Union will work to accommodate such services but will not generally arrange for them. As these needs are brought to our attention, we are committed to familiarizing our staff with the assistive devices that our member owners require in order to access our products and services.   Requests for accommodation should be forwarded to the Human Resources department.

4. Use of Service Animals and Support Persons

We are committed to welcoming people with disabilities who are accompanied by a service animal on the parts of our premises that are open to the public and other third parties. While conducting business, it is the responsibility of the person with a service animal to control the animal at all times.

We will ensure that staff, are properly trained in how to interact with people with disabilities who are accompanied by a service animal.

We are committed to welcoming people with disabilities who are accompanied by a support person.  At no time will a person with a disability who is accompanied by a support person be prevented from having access to his/her support person while on our premises.  Fees will not be charged for support persons.

5. Notice of Temporary Disruption

Sudbury Credit Union will make reasonable effort to provide member owners with notice in the event of a planned or unexpected disruption in the facilities or services usually used by people with disabilities.  This notice will include information about the reason for the disruption, its anticipated duration, and a description of alternative facilities or services if available.

The notice will be placed at all public entrances and service counters on our premises, on our web page, and telephone message.  In order to make information accessible the signs and printed notices should be clearly laid out, of sufficient size, and easily readable.

6. Training for Staff

Sudbury Credit Union will provide training to all personnel who deal with the public and all those who are involved in the development and approval of policies, practices, and procedures.  Individuals in the following positions will be trained:  Senior Managers, Middle Managers, Administrative Support, Supervisors, Financial Service Representatives, Member Service Representatives, and Board of Directors. Training will be completed with each new employee during the first month of employment. 

Training will include the following: 

  • The purposes of the Accessibility for Ontarians with Disabilities Act, 2005 and the requirements of the customer service standard.
  • How to interact and communicate with people with various types of disabilities.
  • How to interact with people with disabilities who use an assistive device or require the assistance of a service animal or a support person.
  • How to initiate the automatic door device, how to contact Bell Telephone Relay services.
  • What to do if a person with a disability is having difficulty in accessing Sudbury Credit Union’s products and services.
  • Sudbury Credit Union’s policies, practices, and procedures relating to the customer service standard.

Applicable staff will be trained on policies, practices and procedures that affect the way products and services are provided to people with disabilities.  Staff will be trained on an ongoing basis when changes are made to these policies, practices, and procedures.

7. Feedback Process

The ultimate goal of Sudbury Credit Union is to meet and surpass member expectations while serving member owners with disabilities.  Comments on our service regarding how well those expectations are being met are welcomed and appreciated.

Feedback regarding the way our products and services are delivered to people with disabilities can be made by email, verbally, suggestion box, and over the phone.  All feedback will be directed to the Human Resources department.  Member owners can expect to hear back within two business days, upon receipt of the feedback.

8. Modifications

We are committed to developing member service policies that respect and promote the dignity and independence of people with disabilities.  Therefore, no changes will be made to this policy before considering the impact on people with disabilities.

9. Questions about this policy

This policy exists to achieve service excellence to member owners with disabilities.  If anyone has a question about the policy, or if the purpose of this policy is not understood, an explanation will be provided by Human Resources department.

Direct Services Agreement

Select the Direct Services Agreements below to view.

Direct Services Agreement - Personal Accounts

Direct Services Agreement - Small Business Accounts

Statement of Commitment: Code of Conduct for the Credit and Debit Card Industry of Canada

2021

Sudbury Credit Union is stating our re-commitment to the Code of Conduct for 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.

Code of Conduct for the Credit and Debit Card Industry of Canada