Terms of Use


All services and information made available to users by BCU Foundation and its affiliates on this website are covered by these Terms of Use, unless otherwise provided in additional terms of use specific to certain services offered.

Read the terms and conditions carefully.

If you decide to use the BCU Foundation website, you accept and agree to be bound by and comply with the following terms of use.  If you do not agree with the terms and conditions below, do not enroll for, access or use the BCU Foundation website, or any pages contained in the BCU Foundation website.

As a user of the BCU Foundation website, you have to make sure you review the terms and conditions applying specifically to certain services provided on the BCU Foundation website as they may contain variations to what is provided in these Terms of Use and create additional obligations for you.


BCU currently provides users with a wide selection of services through the BCU Foundation website (hereinafter collectively referred to as the “Service” or the “Services”) to which these Terms of Use apply.

Unless otherwise specified, any new feature that enhances or augments one or more existing Services, or any new Service launched by BCU Foundation, will be subject to these Terms of Use.

You alone are responsible for paying the costs associated with the use of the Service, such as Internet connection charges or fees charged for connecting to networks that provide access to Internet content. As well, you are responsible for acquiring any equipment needed for such connections.


You are not required to identify yourself when making use of the Services, except when such identifying information is required to access BCU Foundation’s transactional tools, including but not limited to those offered by First Data Corporation (First Data).

The personal information First Data Corporation collects from you on our online donation application is collected by First Data in order to make a donation payment. First Data is also required by law to obtain, verify and record information that identifies each person who makes an online donation. Because of these requirements, they may ask you to provide any of the following:


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 & Limitation of Liability

We will do our best to ensure that you can use the BCU Foundation website and complete the transactions that can be done through the 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 the BCU Foundation website and our own computer system, is an obligation we take very seriously.

Although we do our best to make sure the BCU Foundation website is accessible, 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 to meet your needs, that access will never be uninterrupted, that there will never be delays, failures, errors or omissions or loss of transmitted information, or that the software we use will be compatible with your computer system. 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.

To the fullest extent permitted by law, in no event will BCU Foundation be liable for any damages, including, without limitation, direct or indirect, special, incidental or consequential damages, losses or expenses arising in conjunction with the BCU Foundation website or use thereof or inability to use the BCU Foundation website by any party, or in conjunction with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if BCU Foundation, or representatives thereof, are advised of the possibility of such damages, losses or expenses. BCU Foundation is also not liable for such damages following unauthorized access to the Website by a user or the actions or resulting from the conduct of third parties in the course of using the website.

We must also warn you that unencrypted e-mail communications over the Internet are not considered to be a secure form of communication. We strongly recommend that you do not send personal or financial information to us using unencrypted e-mail.

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.

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 response to your communication, and disclosing it to such other advisory parties as we deem appropriate for that purpose.

BCU Foundation 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 listed and/or described on the BCU Foundation website and the information found therein, is applicable to or available to every member of the general public.

You are not permitted to use (except for your personal use to make an online donation)or export or re-export any information contained in the pages of the BCU Foundation website 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.


The information and materials contained in these pages-and the terms, conditions and descriptions that appear-are subject to change. Your eligibility for particular Services is subject to final determination and acceptance by BCU Foundation or its affiliates.


BCU Foundation and/or its affiliates reserve the right to remove or relocate any content made available as part of the Services. This may be done for any reason.

BCU may terminate your access to the Services in whole or in part in accordance with the terms and conditions applying to such Service, without advance notice of any kind. BCU also reserves the right, at any time, to de-activate or delete with immediate effect any folder or any file within a folder, and/or to prohibit future access to such files or to any Service. In no event will BCU be liable to you or to any third party for the termination of your access to any Service or the BCU Foundation website.

BCU Foundation Does Not Provide Advice that is Specific to You

All non-customized and generic financial information as well as the various product features and services posted on the BCU Foundation website are provided for information only. This information originates from a variety of sources and is updated on a regular basis. Despite every effort to present information that is as up to date as possible, BCU, its officers, managers, employees and agents are in no event responsible for the consequences of any inaccurate information or for any damage sustained as a result of using such information.

The Service is provided to you for information purposes only. Therefore, content disseminated in connection with the Service is not destined to be used in conducting transactions or making investment decisions. BCU will not assume any responsibility for the content or the accuracy of all or part of the information transmitted in connection with the Service. Likewise, BCU will not be responsible for investment orders or decisions based on such information.

The information contained in the pages of the BCU Foundation website 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 or professionals who can properly assess whether or not it applies to your own situation.

No Third-Party Endorsements

No endorsement or approval of any third parties (other than persons or entities with which BCU Foundation has an affiliated arrangement to provide products and services to its members or clients), or their advice, opinions, information, products or services, is expressed or implied by any information contained on the pages of this website, 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.

Intellectual Property, Trade-Marks, Trade Names & Copyright Issues

Copyright ©2013  Buduchnist Credit Union Limited (“BCU”). All rights reserved.  BCU Foundation is an authorized user of the trademark.  BCU either owns the intellectual property rights in the underlying HTML, text and other content that is made available to you on the BCU websites, or has obtained the permission of the owner of the intellectual property in such content to use the content on the BCU websites. Product names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the BCU websites are trade names or trade-marks or service marks owned or licensed by Buduchnist Credit Union Limited or its network of businesses, partners or affiliates. Trademarks may be registered in Canada and in other countries as applicable. The display of trademarks on BCU websites does not imply that a license of any kind has been granted to anyone using the site. Any unauthorized downloading, re-transmission or other copying or modification of trademarks and/or the contents herein may be a violation of statutory 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 licensed by Buduchnist Credit Union Limited, carrying on business as BCU Financial, and its affiliated partners or businesses. All information on BCU websites 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 homepage, or if you wish to incorporate BCU Foundation’s name, product names, logos, trademarks, and/or trade-names within another site or product, please contact us for permission. Inquiries about permission should be directed to:


BCU Financial Group

2280 Bloor St. W.

Toronto, ON M6S 1N9 or

Jurisdiction for Disputes

BCU websites are managed by Buduchnist Credit Union Limited, carrying on business as BCU Financial, from its office 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.