Lighthouse CU becomes Ontario's newest credit union following FSRA approval →

Legal & Accessibility Agreement

In exchange for the Credit Union permitting the Member to use the services, the Member agrees as follows:



means any account under any membership held by the Member with the Credit Union;


means all of the services available through the use of the Password in combination with the Software and Equipment, currently known as;


means the equipment, such as a personal computer equipment which when, used in combination with the Software and the Password, permit access to the services;


means the personal alphanumeric password selected by the Member for the Member’s use, which, when used with the Software and Equipment, permits access to the services;

“Signing Authority”

means any person authorized to sign on an Account;


means the computer software which in combination with the Equipment and the Password permit access to the services, and includes all upgrades, revisions, releases and new versions of such computer software;


means any transaction performed using any of the services;

  1. Use of services
    The Member may use the services to access any permitted Account and to conduct Transactions as may be permitted with respect to any such Account. When using the services, the member will not be permitted to pay bills from, or transfer funds out of any Account on which more than one signature is required to authorize a transaction, unless prior authorization is received in writing from all required signers. The Member agrees to follow the instructions of the Credit Union in effect from time to time with respect to the use of the services.
    When a Password is used to conduct any Transaction, the authorization given at the time of the Transaction will be treated as if it was given by the Member in person, and the Member agrees to be bound by each such Transaction. The Member irrevocably authorizes and directs the Credit Union to debit or credit, as the case may be, the amount of any Transaction to the Account or Accounts designated by the Member at the time of the Transaction, in accordance with the Credit Union’s normal practices. The Credit Union’s practices respecting the debiting or crediting of any Transaction under any of the services may be revised from time to time with or without notice to the Member.
    The Member agrees not to conduct or try to conduct any Transaction that would result in a negative balance in any Account or would exceed the unused balance of any authorized overdraft or line of credit, if available. The Member will indemnify the Credit Union for all liability or loss arising out of any such Transaction.

  2. Limitations
    The Member agrees that the services will be available only on an “as is” and “as available” basis.
    The Credit Union offers the services in order to improve the accessibility of the Credit Union to its Members. However, the provision of services is dependent in part on communication lines and other third-party equipment and services. The member agrees that the credit union will not be liable for any delay, loss, damage (direct, indirect or consequential) or inconvenience whatsoever caused by or arising from the provision of or failure to provide services or the malfunction or failure to operate any software or equipment for any reason whatsoever. In no event will the credit union be liable for any personal injury, or property damage or any loss of business or profit or other indirect or consequential damages whatsoever.

  3. Confidentiality of Password
    The Password is for the Member’s use alone and may not be assigned or transferred. The Member agrees to keep the Password confidential and not to disclose it to any person other than to a Signing Authority on the Account. The Member agrees not to record the Password in any manner or on any media, whether in writing or otherwise, including without limitation in electronic form, or by voicemail or e-mail. For security reasons, the Credit Union recommends that each Member change the Member’s Password on a regular basis, such as every 90 to 120 days. If the Password becomes known to other than a Signing Authority on the Account, confidential information about the Member’s Account may be accessed.|

  4. Transaction verification and records
    All Transactions are subject to verification and acceptance by the Credit Union, and if not accepted will be reversed from the Account. Verification may take place on a date later than the date the Member authorized the Transaction, which may affect the Transaction date.
    The Credit Union’s records of each Transaction, and the Credit Union’s accounting records, will be deemed to be correct, and will be conclusive and binding upon the Member. Any record of a Transaction generated by the Software will be for the Member’s convenience only. If the Member believes that the Credit Union’s records contain an error or omission, the Member must give written notice of the suspected error or omission to the Credit Union within the time provided in the Application for Membership and Account Operation Agreement between the Member and the Credit Union for the relevant Account or Accounts.
    If the credit union does make an error or omission for any reason, with respect to the recording of any transaction, the liability of the credit union will be limited to the amount of the error or omission in recording, plus any applicable service charges that may have been charged to the member by the credit union. Specifically, the member agrees that the credit union will not be liable for any other loss, or any loss of business or profit or any other damage (direct or indirect or consequential) or delay or inconvenience whatsoever caused by or arising from any such error or omission.

  5. Service Fees
    The Credit Union will establish service fees for use of the services and/or for conducting Transactions and may change these service fees from time to time. The Member authorizes the Credit Union to deduct any applicable service fees from any Account.

  6. Transaction Processing
    When the Password is used by the Member to conduct a Transaction by accessing the services the Member may not revoke or stop any such Transaction once the Transaction request has been processed.

  7. Member’s Liability
    The Member agrees to notify the Credit Union immediately, in writing, if their Password becomes known to anyone other than the Member. The Member is liable for all unauthorized use of the Password until such notification is made and acknowledged, in writing, by the Credit Union. Until the Credit Union’s acknowledgment is received by the Member, notification is not deemed to be received by the Credit Union.

  8. Termination
    The Credit Union may at any time without notice withdraw permission to use any of the services, or cancel or alter any of the services without being liable for any loss resulting from such action. The termination of services for any reason will not relieve the Member of any obligations under this Agreement with respect to the services.

  9. Changes to Agreement
    The Credit Union can add to or change the terms and conditions of this Agreement from time to time, but the Credit Union will give at least 30 days notice of any such additional or amended terms and conditions. The 30-day notice will run from the date a notice is mailed or is first displayed on a sign-on screen. If the Member continues to use any of the services after the effective date of any additional or amended terms or conditions to this Agreement, then the Member will be deemed to have accepted such additional or amended terms or conditions.

  10. Other Agreements
    The terms and conditions of the Application for Membership and Account Operation Agreement with the Credit Union and any other conditions or agreements between the Member and the Credit Union regarding any Accounts shall remain in full force and effect and shall apply to each Transaction, except as expressly modified by the terms of this Agreement. If there is a conflict between any provision of any of these other agreements and this Agreement, this Agreement will prevail with the exception that the Application for Membership and Account Operation Agreement between the Member and the Credit Union will prevail over this Agreement.

  11. Execution
    This Agreement may be executed in several counterparts or electronically. When executed in counterparts, each counterpart shall be deemed to be an original and such counterparts together shall constitute one and the same instrument and notwithstanding the date of execution shall be deemed to bear date as of the date written below. When executed electronically, use of services shall be deemed to be acceptance of the terms and conditions hereof as of the date of first use.

  12. General
    If the Member is the joint holder of an Account, then each joint holder of that Account will be jointly and severally liable for all Transactions conducted using the services with respect to that Account.


Accessibility Statement:

We are committed to ensuring our online services are accessible to all users.

The information below suggests how to obtain the best user experience on our website and explains what we have done to make the website accessible.

Adjust your computer’s settings for a better experience

You can improve your online experience by customizing your computer’s settings to meet your individual needs. For example, you can increase the size of all fonts or change the colour scheme.

Keep your browser updated

We recommend you keep your browsers up to date. Newer browsers tend to provide more display options to make content accessible and may work better with assistive technologies.

How we have made our website accessible

We have created our website in accordance with the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines (WCAG) 2.0. These guidelines assist website developers by describing best practices for creating websites that are accessible to all users.

Some of the ways we achieve online accessibility include:

  • Building webpages in a way that allows you to disable the CSS (Cascading Style Sheets) on your browsers or modify the text size using browser controls if the colours or fonts make content difficult to read.
  • Creating webpages that allow visually impaired users to navigate the site effectively with a screen reading aid. For example, images have text-based descriptions, title attributes tell users where a link will take them if they click on it, and structured headings provide an overview of the site that lets users jump quickly to desired sections.

Contact us if you have trouble using our website

If you experience difficulties in accessing any content or functionality on our website, please contact us. We are always open to making improvements to provide the best possible online experience for our users.

Notice of Disruption

We will provide Members with notice in the event of a planned or unexpected disruption in the 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 services, if available.


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