If you decide to use our Web site, you are telling us that you accept and agree to be bound by and comply with the following terms of use.

GENERAL

Your access to and use of all the services and products of Parama Lithuanian Credit Union Limited (“PARAMA”) and its network affiliates described on this site are governed primarily by the terms and conditions of the relevant paper agreements you have physically signed at your Branch or specific electronic agreements you have signed electronically. For traditional deposit, withdrawal, overdraft protection and chequing services, and Automated Banking Machine access, we refer you to your Member Account Agreement for a more thorough explanation of our respective responsibilities. For PARAMA MasterCard services, we refer you to the MasterCard Terms of Operation. For loans and mortgages, we refer you to the various forms of agreement used to document your borrowing transactions. For Internet and Telephone banking access, we refer you to the Home Banking User Agreement.

The terms and conditions of these other Agreements and any other conditions or agreements which now or may in the future exist between you and the Credit Union regarding any Accounts shall remain in full force and effect and shall apply to the relevant product or service you obtain from PARAMA, except as expressly modified or supplemented by these Terms of Use in order to take into consideration the additional factor of your use of the web site to access the product or service. In the event of an irreconcilable conflict, the terms and conditions of these other Agreements shall supercede the Terms of Use for this web site.

We reserve the right to change the information, material and content found in the pages of this site, including these Terms of Use, at any time without notice, by simply updating this site. You agree to review these Terms periodically, and your continued use of this site will tell us that you have agreed to the changes.


OUR RESPECTIVE RESPONSIBILITIES

We will do our best to ensure that you can use this web site and complete the transactions that can be done through this site safely and securely. Protecting the security of your funds, and the privacy and confidentiality of your personal information stored within the web server hosting our web site and our own computer system, is an obligation we take very seriously. If fraudulent activity occurs on your accounts because of a breach in computer security, we will restore your account balances to what they should be as long as you are not responsible in any way for the breach of security. In other words, we expect you to do your own part in preventing fraud, by, for example, keeping your password secret from others and taking other reasonable steps to prevent unauthorized access to your account balances.

Although we do our best to make sure this web site is always accessible and functioning properly, and contains accurate and up to date information, we are supplying it on an “as is” basis, without warranty of any kind, either express or implied We cannot and do not promise that the site will always be available and meet your needs, that access will never be uninterrupted, that there will never be delays, failures, errors or omissions or loss of transmitted information, that the software we use will be compatible with your system, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your own computer system. Please consult any PARAMA branch for complete and up-to-date information on products and services. Furthermore, it is your sole responsibility to adequately protect and backup your data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties on your own system.

We must also warn you that unencrypted e-mail communications over the Internet are not secure (i.e. private) at this time. We strongly recommend that you do not send personal or financial information to us using unencrypted e-mail or a web browser with less than 128 Encryption capability. If your computer doesn’t currently have this capability, we urge you to upgrade your web browser to a 4+ Version of either Internet Explorer or Netscape Navigator (Communicator) (a browser with 128 Encryption). This level of technology allows messages traveling back and forth between your browser and our site to be encoded and unencoded at either end so that anyone attempting to intercept the message will not be able to interpret it.

Notwithstanding this recommendation, we do not accept liability or responsibility for your personal or financial information becoming public through no fault of our own, by way of accident or fraud on the part of third parties.

Better, more secure means of communicating to us are available to members who sign up for our On-line Internet Banking Service. If you do sign up for this Service, however, a web browser with at least 128 Encryption capability is mandatory.

If you do communicate with us by means of e-mail, we will assume, unless you advise us otherwise, that you consent to our using the information you have sent to us, including your e-mail address, for the purpose of developing and sending an appropriate return e-mail response to your communication, and disclosing it to such other advisory parties as we deem appropriate for that purpose.


OUR PRODUCTS AND SERVICES ARE NOT OFFERED OR AVAILABLE TO EVERYONE

It is important for you to understand that not all of the products and services described in the pages of this web site and the information found therein, is offered to or available to every member of the general public. The information on this site is not to be construed as an offer or solicitation to buy or sell any currency, investment fund or other product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot lawfully be made or to any person or entity to which it is unlawful to make an offer. Only individuals or entities that qualify for membership in PARAMA under its By-laws and who are in fact admitted to membership, are eligible to purchase the products and services described in the pages of this web site, and make use of the information contained therein.

If you are not a PARAMA member and/or are accessing this site from outside of Ontario, you do so on your own initiative and are solely responsible for making sure that you comply with applicable local, national, provincial or international laws. For information specific to any jurisdiction outside Ontario, we refer you to your own financial advisor. You are not permitted to use or export or re-export any information contained in the pages of this web site or any copy or revision thereof in violation of any applicable laws or regulations, including export laws and regulations of Canada in force from time to time.>


WE ARE NOT OFFERING ANY ADVICE THAT IS SPECIFIC TO YOUR NEEDS

The information contained in the pages of this web site is of a general nature only, and is not intended to provide specific legal, accounting, financial or tax advice that might be relevant to your own individual circumstances. You should not act or rely on the information without first seeking the advice of professionals who can properly assess whether or not it applies to your own situation.


NO ENDORSEMENTS OF THIRD PARTIES

No endorsement or approval of any third parties (other than persons or entities with which PARAMA has a networking arrangement to provide products and services to its members), or their advice, opinions, information, products or services, is expressed or implied by any information contained on the pages of this web site, including Links to their own web sites. If you use the Links to access other Internet resources or web sites, you do so at your own risk. We do not investigate, verify, or monitor these Links.


JURISDICTION FOR DISPUTES

This site is managed by Parama Lithuanian Credit Union Limited from its offices in Toronto, Ontario. Its operation and these Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the applicable laws of Canada , without regard for any principles of conflict of laws operable in Ontario. All disputes, controversies or claims arising out of or in connection with the site shall be submitted to and be subject to the jurisdiction of the courts of the Province of Ontario. You agree that you submit and attorn to the jurisdiction of the courts of the Province of Ontario to finally rule on any suit, action, or proceeding arising out of or in connection with this site.


TRADE-MARKS AND COPYRIGHTS

The display of trademarks on pages at this web site does not imply that a license of any kind has been granted to anyone using this site. Any unauthorized downloading, re-transmission or other copying or modification of trademarks and/or the contents herein may be a violation of federal or common law, trademark and/or copyright laws and could subject the copier to legal action.

You are not permitted to use, without express authorization, any of the logos, names, or trademarks owned or licenced by Parama Lithuanian Credit Union Limited. All information at this site is protected under the copyright laws of Canada. Furthermore, certain information may be copyrighted by others. If you are interested in establishing a link from your website to our home page, or if you wish to incorporate the Credit Union’s name, or our product names within another site, please contact us for permission. Inquiries about permission should be directed to:

Manager

Parama Lithuanian Credit Union Limited

2975 Bloor St. West
M8X 1C1

e-mail address: info@parama.ca



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

® CU CREDIT, MEMBERDIRECT, and MEMBERDIRECT Design are registered trade-marks, MEMBER CARD and MEMBER CARD & Design are registered certification marks owned by Credit Union Central of Canada, used under license.

® MasterCard is a registered trade-marks owned by MasterCard Int’l., used under license.


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Revised: 09/ 22/04
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