Effective January 1, 2026: Conexus Credit Union 2006, Cornerstone Credit Union Financial Group Limited, and Synergy Credit Union Ltd. amalgamated as Conexus Credit Union. Learn more.
Legal
Codes of Conduct and Public Commitments
Industry and consumer practices and responsibilities related to debit cards.
Canadian Code of Practice for Consumer Debit Card Services
Conexus is committed to protecting our members, and one of the ways is by following the code of conduct set out by 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
The credit union and its employees have always been committed to delivering a high quality of service to members and customers. The Market Code that follows builds on this commitment. This Market Code identifies the market practice standards and how the credit union subscribes to the standards.
Personal Account Agreements
Electronic Services Agreement – Effective February 5, 2025
Terms and Conditions for Financial Services - Effective February 14, 2025
Business Banking
Electronic Services Agreement – Effective October 4, 2024
Terms and Conditions for Financial Services
Declarations of Trust
Declaration of Trust for RIF, RSP and TFSA have been updated effective April 1, 2023.
Digital Wallet
Website Terms of Use & Disclaimers
Updated: October 2024
Please carefully read these current terms and conditions, which govern your use of Conexus Credit Union's website and the content, information and services provided on or through the website. Your use of Conexus' website will be deemed to constitute your acceptance of these terms and conditions. If you do not agree with these terms and conditions, you may not use the website. If you are accepting the terms and conditions on behalf of a corporation or other legal entity, you represent and warrant that you are authorized to do so.
Responsibilities for Use
Your use of this website is at your own risk. Conexus maintains this website to provide you with information about our organization, our products and services, and to provide access to online banking services. We work with you to ensure that the use of this website and the online banking services available through it are safe and secure .
Unauthorized use of this website and our systems including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information on the website is prohibited.
Users are required to comply with all applicable laws and regulations when interacting with the website. Specifically, you must not submit any content (privately or publicly) that:
Is unlawful, threatening, abusive, harassing, defamatory, deceptive, fraudulent, invasive of privacy, or otherwise violates our policies.
Harasses, degrades, or intimidates anyone based on religion, gender, sexual orientation, race, ethnicity, age, or disability.
Infringes on patents, trademarks, copyrights, or any other intellectual property rights.
Is unauthorized advertising, spam, chain letters, or related to lotteries or gambling.
Restricts or inhibits others from enjoying the website.
Contains viruses or harmful code that disrupts or damages any software, hardware, or telecommunications equipment.
Impersonates any person or entity, including our employees.
Additionally, you acknowledge and agree to fully cooperate with any investigations into security violations of our website, including cooperating with law enforcement if needed.
Use of Online Banking Services Restricted
Certain portions of the website relating to online banking may be accessed only by Conexus members who have enrolled in the services and agreed to be bound by the agreement that governs access and use of the services. For more information on responsibilities and limitations of liability in connection with the use of online banking, please refer to the Electronic Access Agreement.
Use of Information
Except for online banking services, the website is for informational or general illustrative purposes only. The information provided on this website is general in nature and is not intended to be a comprehensive or personalized source of information, or specific investment, financial or tax advice and should not be relied upon for that purpose. When in doubt, it's always a good idea to consult with a financial advisor for personalized information and guidance.
All products and services are subject to the terms and conditions of applicable agreements. Please Contact Us for complete and current information on products and services.
Termination of Use
Your failure to comply with any of the above conditions and restrictions of use constitutes grounds for us to immediately, and in our sole discretion, terminate your access to and use of the website and its contents. You agree that we may at any time, and at our sole discretion, terminate your membership, account, or other affiliation with the website without prior notice to you for violating any of the above provisions.
Warranties
Information and documents provided on this website are provided “as is” without any warranty. Conexus uses reasonable efforts to furnish accurate and up-to-date information on this Website. However, Conexus makes no warranty that (a) the website and materials will meet your requirements or be fit for your purpose or particular use, (b) your use or access to the website and materials will be uninterrupted, timely, secure, or error-free, (c) the results that may be obtained from the use of the website or materials will be effective, accurate or reliable, or (d) the quality of any products, website, or information purchased or obtained by you from the website will meet your expectations or be free from mistakes, errors or defects. Conexus makes no warranty regarding any transactions executed through, or in connection with the website, and you understand and agree that such transactions are conducted entirely at your own risk. Additionally, you understand and agree that rates, fees and other information are subject to change at any time without notice to users and the posted rates and fees on the website may not immediately reflect such changes.
Limitation of Liability
In no event shall Conexus or its affiliates be liable to you or any third party for any special, punitive, incidental, indirect or consequential damages of any kind, or any damages, losses, or expenses whatsoever, including, without limitation, those resulting from loss of use, data or profits, whether or not we have been advised of the possibility of such damages, and on any theory of liability, arising out of or in connection with the use of the website or of any websites referenced or linked to from the website, or in connection with the failure of performance, omission, interruption, defect, delay in operation or transmission, line or system failure or otherwise. Conexus neither endorses nor assumes any liability for the contents of any material on the website, including material uploaded or submitted by third party users to the website. Further, Conexus shall not be liable in any way for third party goods offered through the website or for assistance in conducting commercial transactions through the website, including without limitation the processing of orders.
Some jurisdictions prohibit the exclusion or limitation of liability for consequential or incidental damages, so the above limitations may not apply to you.
In the event that any claim or liability arises against Conexus, our aggregate liability in connection with this agreement, your use of the website and/or related website or any other circumstance giving rise to liability shall be limited to direct damages only, and such direct damages shall not exceed $50.
Indemnification
You agree to defend, indemnify, and hold Conexus and its affiliates harmless from all liabilities, claims, and expenses, including solicitor-client costs on a full indemnity basis, that arise from your use or misuse of the website, your violation of any of the terms, your violation of any third party right, including, without limitation, any intellectual property or privacy right, or any claim that your content caused damage to a third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses. This defense and indemnification obligation will survive these terms and your use of the website.
Changes to Website Terms and Conditions
In its discretion, Conexus may supplement or change these website terms and conditions from time to time, for any reason and without any prior notice or liability to you by posting revised terms and conditions on the website. Each time you use the website, you should check the date of the website terms and conditions (which appears at the top of the page)... By using the website after these terms and conditions have been revised, you accept and agree to be bound by the revised terms and conditions. If you do not agree with each provision of the revised terms and conditions you may not use the website. You may not supplement or change these terms and conditions in any way.
Governing Law
The website (excluding any linked site) is controlled by us from our offices within Saskatchewan, Canada. It can be accessed from all Canadian Provinces and Territories, as well as from other countries around the world. As each of these places has laws that may differ from those of Saskatchewan, by accessing this website you agree with us that the statutes and laws of the Province of Saskatchewan, without regard to any conflicts of laws principles or any other legislation of any other jurisdiction, will apply to all matters relating to the use of the website and the purchase of products and services available through the website. You agree to submit to the exclusive personal jurisdiction and venue of any court of competent jurisdiction within the Province of Saskatchewan for all matters arising from your use of the website.
Links to Third Party Sites
The website may contain images of and links to third party websites (Linked Sites). Conexus is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Conexus provides these links to you only as a convenience. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites.
Copyright
Unauthorized use of Conexus’s names, logos, trademarks, graphics, icons, and designs used on this website is strictly prohibited. By accepting these term and conditions, you acknowledge and agree that all content presented to you on the website is protected by copyrights, trademarks, service marks, patents, or other proprietary or intellectual property rights and laws, and is the sole property of Conexus or its affiliates. Except for a single copy made for personal, non-commercial use only, you may not copy, reproduce, modify, republish, upload, post, transmit, sell, license, distribute or otherwise exploit any documents or information from the website in any form or by any means without prior written permission from us or the specific content provider, and you are solely responsible for obtaining permission before reusing any copyrighted material that is available on the website. Any unauthorized use of the materials appearing on the website may violate copyright, trademark, and other applicable laws and could result in criminal or civil penalties. Conexus disclaims any and all liability for any consequences which may result from any unauthorized reproduction or use of the content of this website.
Assignment
You may not assign your rights and obligations under these terms of use to any party, and any purported attempt to do so will be null and void. We may freely assign our rights and obligations under these terms of use.
Privacy and Security
Users should not submit confidential or proprietary information to us unless we have mutually agreed in writing or otherwise. Subject to our Privacy Policy, any communication, content or material that you transmit to the website or to us, whether by electronic mail, post, or other means, for any reason, will be treated by default as non-confidential and non-proprietary. By agreeing to these terms and conditions, and using the website, you are also agreeing to the Privacy Policy.
To learn more about your privacy when you use the website, please refer to the Privacy Policy and Privacy Online page.
To learn more about internet security when you use the website, please refer to the Internet Security page.
Use of Cookies
To learn more about use of cookies when you use the website, please refer to the Use of Cookies information.
Reporting
Should you become aware of misuse of the website including libelous or defamatory conduct, you must report it to Conexus through our problem resolution process. All other feedback, comments, requests for technical support, and other communications relating to the website should be directed to our contact us support.
Disclaimers
View disclaimers here.