Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, registered or unregistered trademarks of ME-DIAN CREDIT UNION, or may be used by ME-DIAN CREDIT UNION under license from a third party. You shall be entitled to copy any Content solely for your own personal use, provided such use includes a reference to the respective copyright and/or trademark notice or attribution. You many not republish or reproduce any Content in any manner, including electronic reproduction by uploading or downloading, or otherwise use Content for public or commercial purposes, without the prior written consent of ME-DIAN CREDIT UNION. You also may not gather, extract, reproduce and/or display on any other website or other online services, any Content, whether or not by the use of spiders or other scraping software or system used to extract data, without the prior written consent of ME-DIAN CREDIT UNION. Any unauthorized use of the Content may be a violation of federal or other laws and/or constitute infringement of ME-DIAN CREDIT UNION’s or a third party’s intellectual property rights.

®Collabria trademark is Collabria Financial Services’ property.

®The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

*The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa. *Trademark of Visa Int., used under license.

™Android is a trademark of Google, Inc.

®Apple, iPhone, and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries.

®iPad is a registered trademark of Apple Inc.

®CUMIS is a trademark of CUMIS Insurance Society, Inc. and is used under licence. Insurance is underwritten by CUMIS General Insurance Company.

®ding free is a registered trademark of Central 1 Credit Union, used under license.

®Interac, Interac e-Transfer†, Interac Flash, and the Interac logo are registered trademarks of Interac Corp. Used under license.

®PLAN 24, FAT CAT, CU BY PHONE, MemberDirect, and NEXT STEP are registered trademarks, MEMBER CARD and MEMBER CARD & Design are registered certification marks owned by Credit Union Central of Canada, used under license.

®ME-DIAN CREDIT UNION Direct is a registered trademark of Me-Dian Credit Union Ltd.

This Website may contain images of and links to third party Websites (Linked Sites) and/or their products. ME-DIAN CREDIT UNION provides these links to you only as a convenience, and the provision of these links does not imply the endorsement of said sites, products and services or the owners/operators of these sites by ME-DIAN CREDIT UNION. Your use of any such Linked Sites and/or Products provided by those sites is at your own risk. The Linked Sites are not subject to ME-DIAN CREDIT UNION privacy policy or security standards. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites, the conditions, exclusions and limitations of which privacy statements and terms of use shall govern your use of such Linked Sites. In the event of a conflict or inconsistency between the privacy statements and terms of use of such Linked Sites and these Terms or ME-DIAN CREDIT UNION’s privacy policy, the privacy statements and terms of use of the applicable Linked Site shall prevail and govern.

Access to this Website and the Content are provided as is and without warranties of any kind either express or implied. By agreeing to these Terms, you acknowledge and agree that the use of any Content is entirely at your own risk. ME-DIAN CREDIT UNION makes no representation or warranties regarding this Website or the Content, including, without limitation, that the Content will be accurate, complete, correct, timely, or suitable, that this Website will be available at all times or that this Website will be free from errors, viruses or other harmful components. ME-DIAN CREDIT UNION specifically disclaims any responsibility or liability for the accuracy, completeness, correctness, timeliness or usefulness of the Content. To the fullest extent permissible pursuant to applicable law, ME-DIAN CREDIT UNION disclaims all warranties, express or implied, including, but not limited to, warranties and conditions regarding use of this Website, including all implied warranties or conditions of merchantability, fitness for a particular purpose or non-infringement, whether express or implied.

Subject to applicable law, in no event shall ME-DIAN CREDIT UNION, its officers or directors, subsidiaries, affiliates, employees, representatives, agents, licensors or their respective successors and assigns, be liable for any direct, indirect, special, incidental, exemplary, consequential or punitive damages or any other damages whatsoever arising, caused, arising out of, or in connection with, the use of, or inability to use, this website, any accuracy, incompleteness, or incorrectness contained in the content, or your reliance or acting upon the content, including, without limitation, any losses or damages in the nature of or relating to lost business, lost savings, loss of data and/or profits, regardless of the cause and whether arising in contract, tort, in equity, at law or otherwise and whether or not ME-DIAN CREDIT UNION has been advised of the possibility of such damages.

You agree to indemnify and hold Me-Dian Credit Union, its officers, directors, subsidiaries, affiliates, employees, representatives, agents, licensors and their respective successors and assigns harmless from any claim or demand (including without limitation, reasonable legal fees), made by any third party in connection with your use of this Website or the Content, including without limitation, any violation of the law which result from your using this Website.

The failure of ME-DIAN CREDIT UNION to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. These Terms shall be governed by and construed in accordance with the laws of the Province of Manitoba, and the laws of Canada applicable therein and shall govern as to the interpretation, validity and effect of these Terms, notwithstanding any conflict of law provision or your domicile, residence or physical location. You hereby consent and submit to the exclusive jurisdiction of the courts of the Province of Manitoba in any action or proceeding arising out of or relating to these Terms. If any provision of these Terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed servable from these Terms and shall not affect the validity and enforceability of any remaining provisions. These Terms may not be transferred or assigned by you but may be assigned by ME-DIAN CREDIT UNION without restriction.

Me-Dian Privacy Principles

Ten interrelated principles form the basis of the Credit Union Code for the Protection of Personal Information (the Code). Each principle must be read in conjunction with the accompanying commentary.

Accountability - Me-Dian Credit Union is responsible for personal information under its control and shall designate a Privacy Officer who is accountable for the credit unions compliance with the principles of the code.

Identifying Purposes - The purposes for which personal information is collected shall be identified by the credit union at or before the time the information is collected.

Consent - The knowledge and consent of the member are required for the collection, use and disclosure of personal information, except in specific circumstances as described in this Code.

Limiting Collection - The collection of personal information shall be limited to that which is necessary for the purpose identified by the credit union. Information shall be collected by fair and lawful means.

Limiting Use, Disclosure and Retention - Personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the consent of the member or as required by law. Personal information shall be retained only as long as necessary for the fulfilment of those purposes.

Accuracy - Personal information shall be accurate, complete, and up-to-date as is necessary for the purpose for which it is to be used.

Safeguards - Personal information shall be protected by security safeguards appropriate to the sensitivity of the information.

Openness - The credit union shall make readily available to members specific, understandable information about its policies and practices relating to the management of personal information.

Individual Access - Upon request, a member shall be informed of the existence, use and disclosure of their personal information, and shall be given access to that information. A member is entitled to question the accuracy and completeness of the information and have it amended as appropriate.

Challenging Compliance - A member shall be able to question compliance with the above principles to the Privacy Officer accountable for the credit union's compliance. The credit union shall have policies and procedures to respond to the member's questions and concerns.

History

How Me-Dian Credit Union uses your personal information

Me-Dian Credit Union will only gather information that is essential to the product or service that our members request from us. Me-Dian Credit Union will collect your personal information fairly and legally, and you will be fully informed of these actions. We will only use the gathered information for its purpose and for nothing else. We will not rent, trade or sell you information to any third parties.

The following information listed will show how Me-Dian Credit Union gathers information from you.

Name, Contact Information, Occupation, Age, Gender and Date of Birth

We require name, contact information and occupation to establish your identity and to communicate all future account information and available services. This information is also frequently queried and updated to meet the minimum industry and regulatory requirements necessary for all members. Age, Gender, and Date of Birth helps Me-Dian Credit Union confirm you identity, detect and prevent error, identity theft, fraud and helps safeguard you financial interests. This information may also be used to ascertain the suitability and/or eligibility for certain products or services we offer.

Identification Numbers, Social Insurance Number (SIN)

Me-Dian Credit Union is legally required to acquire your social insurance number if there are any tax consequences to your transitions. We also use your SIN to conduct personal investigations, such as credit bureaus, and in conducting identity verifications as required.

Personal Financial Records and Meeting Your Needs

We may examine you financial information to identify appropriate products and services, or to determine you eligibility if applying for new credit or account services. To best serve your future needs, we'll often reexamine the products and services you have with us in an effort to promote other services that may be of value to you. You may opt to stop receiving promotional offers at any time.

Internal Audit, Legal, Security, and Regulatory Requirements

Your personal information may be accessed during internal audit. These audits help us protect you from illegal or fraudulent activity. If required by law or for security or regulatory reasons, we may disclose your information to a third party, such as our insurance provider if a claim is made. Me-Dian Credit Union will only disclose the specific information required and nothing more.

Contact Information

We have appointed a Privacy Officer to be accountable for the security and collection of your personal information. Our Privacy Officer will also answer any questions you may have about how Me-Dian Credit Union collects and uses your information.

To Contact Our Privacy Officer

By Mail:
Me-Dian Credit Union
Attn: Privacy Officer
303 Selkirk Avenue
Winnipeg, Manitoba
R2W 2L8

By Phone: 204-943-9111
By Fax: 204-942-3698
By Email: privacyofficer@mediancu.mb.ca

TIPP Application Form [PDF]
Standard Charge Mortgage Terms [PDF]
Personal Direct Deposit Pre-Authorization Form - Me-Dian [PDF]
Direct Deposit Enrolment Form - Government [PDF]