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Legal Information

The following information pertains to legal issues and disclosures as it pertains to responsibilities, trademark usage, copyrights, and other related issues.

Confidentiality and Security
The Internet banking feature of this Website supports versions of Netscape Navigator(tm) and Microsoft(r) Internet Explorer that use 40-bit or 128-bit encryption. Encryption is a means of "scrambling" information for transmission between computers. The information is "scrambled by the software on your computer and transmitted in a "scrambled" form to Equity FS's computers, which have software to "unscramble" the information.
(tm)Netscape is a registered trademark and Netscape Navigator is a trademark of Netscape Communications Corporation.
(r)Microsoft is a registered trademark of Microsoft Corporation Of course, 128-bit encryption is stronger and more secure than 40-bit encryption. Equity FS recommends the use of 128-bit encryption for all financial transactions conducted using the "Internet Banking" feature available on this web site, because of the added risk of breaches of confidentiality and security using the older, less secure 40-bit encryption technology. Please be aware that any e-mail messages you forward to us are NOT encrypted in any way, and are therefore as insecure, and as open to interception, as any other non-encrypted form of communication (e.g. ordinary mail, conversations on ordinary or cellular telephones, etc). Equity FS accepts no responsibility for the security of confidential information forwarded to it by e-mail, and expressly discourages members from doing this. Although Equity FS makes all reasonable efforts to ensure the security of Internet banking, Equity FS cannot warrant its complete security, even using 128-bit encryption technology.

Members' Responsibility for Security
You must become familiar with, and be constantly aware of, the icon used by your browser to indicate the encryption status, and therefore the security, of your connection with Equity FS. You agree not to enter the Internet banking function of this web site, or, having entered it, to exit it without conducting any transaction, if your browser does not indicate that you have a secure connection with Equity FS. You agree not to leave your computer unattended while conducting an Internet banking session. You also agree not to leave your computer unattended after having completed an Internet banking session without first terminating the session, exiting the web site, and exiting the browser to erase any temporary files that might contain confidential information in non-encrypted form. You must also be aware that Internet banking files may exist in an non-encrypted state in your computer's permanent memory until erased. You agree to secure or erase these files as soon as possible after completing each Internet banking session. Use of the Internet banking function requires an alias and a password. Equity FS will be aware of the alias you select, but not your password. Although you must disclose your alias to Equity FS, you agree to select an alias that will not identify you or be easily traceable to you. You agree not to disclose your password to any person, and to take all necessary precautions to ensure no one becomes aware of your password while you are entering it into your computer. You agree to notify Equity FS, at 1-800-871-6302, immediately if you become aware of any breach of security or any unauthorized access to your accounts. Equity FS accepts no responsibility for unauthorized use of your alias and/or password, and accepts not obligation to confirm the identity of any user of Internet banking. You agree that access to Internet banking using your alias and password is the legal equivalent of your written signature. You will be responsible for, and bound by, all transactions conducted by using your alias and password to access Internet banking, whether those transactions were done by you, by another person with your consent (e.g. your attorney under a Power of Attorney, or an employee of your business), or by another person without your consent.

Trademarks and Copyrights Protected
Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, trade marks or service marks belonging or licensed to Equity FS ("Equity FS"). Any unauthorized down loading, re-transmission, or other copying or modification of trademarks and/or the contents hereof may be a violation of statutory or common law governing trade marks and/or copyrights and could subject the copier to legal action. All information found in the pages of this Website is protected under copyright. Unless otherwise specified in writing, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found herein.

Not Intended to Solicit business Outside Bond of Association
Equity FS is not entitled to accept deposits from, or make loans to, a person who is not a member of Equity FS. This Website, and the information contained herein, is in no way an effort to solicit business from individuals who are not eligible for membership in Equity FS. In particular, this Website is not an offer to buy or sell products or services outside Ontario.

Use of Information
Equity FS believes the information placed on this Website to be complete and accurate at the time the information was placed on the Website. Information on this website may change at any time, without notice to you. Equity FS does not guarantee the completeness or accuracy of the information contained on this Website; please contact your branch of Equity FS for complete, current information. The information contained in this Website is not intended to provide you with specific legal, accounting, financial, or tax advice, and you should not rely upon it as such specific advice. Please contact your own legal, accounting, financial, and/or tax advisors in this regard.

References and Links Not Endorsements
References in the Website to products or services other than those offered by Equity FS, or hyperlinks to other Websites offering products or services, do not imply or constitute endorsement by Equity FS of such products or services, or of those providing them.

Trademark References
HANDS AND GLOBE and Design is a Canadian certification mark owned by World Council of Credit Unions, Inc., used under license by Credit Union Central of Ontario, and used by Equity FS under sub-license. MEMBER CARD, MEMBER CARD and Design, ACCULINK, MEMBERCARE, ACCULINK HAND & CARD Design and CUIS are trademarks owned by Credit Union Central of Canada, used under license by Credit Union Central of Ontario, and used by Equity FS under sub-license. MASTERCARD is a trademark owned by Mastercard International Incorporated, and is used under license. INTERAC and INTERAC & Design are trademarks owned by Interac Inc. Equity FS is an authorized user of the trademarks. PLUS SYSTEM and PLUS & Design are trademarks owned by Visa International Service Association, and are used under license. CUMIS is a trademark owned by Cumis Insurance Society, Inc., and is used under license. ETHICAL FUNDS and ETHICAL FUNDS & DESIGN are registered trademarks owned by Ethical Funds Inc. and are used under license. MEMBERCARE is a trademark of Credit Union Central of Canada and is used under license by MemberCARE Financial Services.

GENERAL
All documents within this site may not be reprinted or used without our permission. We strongly recommend consultation with one of our many trained professionals to determine the appropriate products and services which best suit your personal needs. The product and service information on this site provides highlighted features only and is not to be considered all inclusive or exhaustive. All products and services which are available are subject to applicable provincial and federal laws.

Should you have any remaining questions, please contact us.