Legal

Terms and Conditions

Effective July 1, 2017, Terms and Conditions for Personal and Business Accounts were updated and are now in effect. Please click on each one to read the full Terms and Conditions.

Personal Account Contract

Personal Member and Account Contract

Business Member - Unincorporated Association

Business Member - Sole Proprietor, Partnership and Corporations

Night Deposit Service Contract


To view the full Terms and Conditions for our Registered and Non-Registered Term Deposits click here.
 
The RRSP and RRIF Terms and Conditions have been amended to reflect changes to the Income Tax Act and supersede and and all previously published terms and conditions relating to your RRSP or RRIF.

RRSP Terms and Conditions

RRIF Terms and Conditions


Copyrights and Trademarks

MEMBER CARD®is a registered trademark owned by Canadian Credit Union Association, used under license.

Warranties and Limitation of Liability

Information and documents provided on this Web site are provided "as is" without any warranty. Kootenay Savings Credit Union uses reasonable efforts to include accurate and up-to-date information on this Web site; it does not, however, make any representations as to its accuracy or completeness.

Your use of this Web site is at your own risk. Kootenay Savings Credit Union, its affiliates, Kootenay Insurance Services Ltd, and Kootenay Savings MoneyWorks Ltd., and the other parties involved in creating and delivering this website's contents are not liable for any damages arising from use of this site.

Links to Third Party Sites

The Kootenay Savings website may contain images of and links to third party websites. The linked sites are not under the control of Kootenay Savings and Kootenay Savings and its affiliates are 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.

Kootenay Savings and its affiliates are not responsible for webcasting or any other form of transmission received from any linked site nor are they responsible if the linked site is not working appropriately. Kootenay Insurance Services Ltd and Kootenay Savings MoneyWorks Ltd. are providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Kootenay Savings and its affiliates of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the linked sites. Any dealings that you have with third parties, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings are solely between you and the third party. Kootenay Savings shall not be responsible or liable in any way for any part of such dealings.

Use of Cookies

In order to provide better service, we will occasionally use a "cookie". A cookie is a small piece of information which a website stores on your web browser on your computer and can later retrieve. The cookie cannot be read by a website other than the one that set the cookie. We use cookies for a number of administrative purposes. They let us store information that you have already told us, so we don't have to ask you again. They also allow us to measure what parts of our site customers prefer to see, and what parts are less popular. Most cookies last only through a single session, or visit. None will contain information that will enable anyone to contact you via telephone, e-mail, or "snail mail". You can set up your web browser to inform you when cookies are set or to prevent cookies from being set.

However, our online banking system uses cookies, as a security measure, to maintain a connection with you. If you set your browser to prevent cookies, you will not be able to access online banking.