Online Policies 

Accuracy of Information Disclaimer

Although we believe this information to be correct, and attempt to keep the information in the pages of this web site current, we do not warrant the accuracy or completeness of any information in these pages and it is subject to change without notice. Please contact any branch of Pathwise Credit Union for complete and up-to-date information on products and services before acting on any information or data. This web site is not intended to provide specific individual advice including, without limitation, investment, financial, legal, accounting or tax. It is important to note that the products and services described in the pages of web sites of Pathwise Credit Union, including all affiliates, are only offered in jurisdictions where they may be legally offered for sale, and are subject to the terms and applicable agreements governing them.  This communication does not constitute an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation.

Internet E-mail

E-mail communication over the Internet is not a secure medium, and is subject to possible interception or loss, and is also subject to possible alteration.  Pathwise Credit Union cannot assume any responsibility for any harm or damage you may experience or incur by sending personal or confidential information to Pathwise Credit Union over the Internet by E-mail, or if we send such E-mail at your request. 

Third Party References and Links

References in this web site to third parties' goods or services are not endorsements or approval of such goods or services; links to web sites outside Pathwise Credit Union are meant for convenience only and not endorsements or approval of such sites. Pathwise Credit Union will not assume any liability for incompatibility, non-suitability, viral infection, worms, Trojan horses, or other destructive/disruptive components on or from such sites.Calculators or projections are for general illustrative purposes only, and are not guaranteed to be accurate or complete. Please use them only as guides or estimates. Contact your nearest Pathwise Credit Union branch to obtain more information.Rates of return are historical compounded annual returns, including changes in unit values and reinvestment.

Trademarks and Copyright

Certain words or designs at this web site may constitute trade names, trademarks or service marks of Credit Union Central of Canada, and/or of other entities and are used under license by Pathwise Credit Union. All information found in the pages of this web site is protected under copyright. Any unauthorized downloading, retransmission or other copying or modification of trademarks and/or the contents of this web site may be a violation of federal and/or common law trade mark and/or copyright laws and could subject the copier to legal action. Unless otherwise specified in writing, no one has permission to copy, redistribute, reproduce, or republish, in any form, any information found herein.  

Inquiries about permission should be directed to:

Pathwise Credit Union
Attention: Privacy Officer
322 King Street West
Oshawa, Ontario L1J 2J9
Tel. (905) 728.5187 
Fax (905) 728.9725
e-mail: privacyofficers@pathwise.ca 

Legal

Click on button below to download Terms and conditions.

 

Our Commitment

We are committed to ensuring our online services are accessible to all users. The information below suggests how to obtain the best user experience on our website and explains what we have done to make the website accessible.

Adjust your computer's settings for a better experience

You can improve your online experience by customizing your computer's settings to meet your individual needs. For example, you can increase the size of all fonts or change the colour scheme.

Keep your browser updated

We recommend you keep your browsers up-to-date. Newer browsers tend to provide more display options to make content accessible, and may work better with assistive technologies. For more information on which browsers we support, please look below.

How we have made our website accessible

We have created our website in accordance with the World Wide Web Consortium's (W3C) Web Content Accessibility Guidelines (WCAG) 2.0. These guidelines assist website developers by describing best practices for creating websites that are accessible to all users.Some of the ways we achieve online accessibility include:Building webpages in a way that allows you to disable the CSS (Cascading Style Sheets) on your browsers or modify the text size using browser controls if the colours or fonts make content difficult to read.Providing a 'skip to content' link at the top of all pages, allowing you to quickly access the body content on each page while avoiding headers and navigation.Creating webpages that allow visually impaired users to navigate the site effectively with a screen reading aid. For example, images have text-based descriptions, title attributes tell users where a link will take them if they click on it, and structured headings provide an overview of the site that lets users jump quickly to desired sections.

Contact us if you have trouble using our website

If you experience difficulties in accessing any content or functionality on our website, please contact us. We are always open to making improvements to provide the best possible online experience for our users.

Browser Requirements

Supported Browsers

To maximize your Internet banking experience and for your Internet security, we recommend using the latest supported browsers. Please note that we do not support Beta or test versions of browsers.

• Microsoft Internet Explorer: Download the latest version of Internet Explorer.
• Firefox: Download the latest version of Firefox.
• Safari: Download the latest version of Safari.
• Google Chrome: Download the latest version of Google Chrome.

Please note that in downloading the supported required browser version, you acknowledge that these are third party sites and we cannot take any responsibility for the consequences of your downloading these browsers.

Biometric Login

Internet Explorer is the only browser that supports our current biometric login. Biometric login is required to access some Business Online Banking functionality.

Supported Standards

For our technically inclined users, the particular specifications that we support are XHTML 1.0 Transitional, CSS 1.0 and 2.0, DOM Level 1 and 2, and ECMA Script (JavaScript). The site will work using all the browsers that correctly implement these specifications.

128-Bit Secure Sockets Layer (SSL) Encryption

To access our services, your browser must also support 128-bit Secure Sockets Layer (SSL) encryption. All the browsers we support meet this requirement. If yours doesn't, please download the appropriate encryption support from your browser's supplier.

Cookies

To use our online banking services, you must enable your browser to accept cookies. For more information on enabling and disabling cookies, please refer to your browser's Help section or documentation.

JavaScript

To use our online banking services, you must change your browser and/or device settings to enable JavaScript. For more information on enabling JavaScript, please refer to your browser's Help section or documentation.

Hardware Configurations

We have no minimum hardware requirements; however, certain minimum requirements may be specified by the browser you are using.

Protect Yourself from Fraud

Click on button below to download information on fraud awareness.

 

Pathwise Credit Union is committed to protecting the personal information of credit union members, employees and other individuals. In order to protect all personal information collected, used or disclosed by Pathwise Credit Union, we have adopted the Credit Union Code for the Protection of Personal Information.

On our web site, we only collect personal information required to improve the services we offer, to improve our site content and, with your permission, to contact you with information about our services. We will not share any personal information obtained on this web site with any other organization without your express knowledge and consent.

Information we collect on our site

You can visit all public areas of our site without providing any personal information about yourself. Our Web site collects only non-personal information based on a visitor's Internet Protocol (IP) address (this is not personally identifiable). Information collected includes the date and time of visit, the type of Internet browser used to access the site, the referring address (the link a visitor uses to access the site). This data is used to create statistics on site usage and improve online services.

Pathwise Credit Union's internal Web site is solely for the use of authorized members of boards, committees, management and staff of the Credit Union. Access requires a special "User Name" and "Password." Personal information that is collected on this internal web site is used solely for security and site management purposes and to facilitate business functions of Pathwise Credit Union.

Will a cookie be set on my computer when I visit this site?

To help us manage our web site, we set a cookie on your computer that expires when you close your web browser.If you send us an e-mail, any information provided by you will only be used for the purposes of responding to your inquiry or acting on your request. We will not use your name or e-mail address for any other purposes without additional consent.

Links to other Websites

Our web site contains links to other web sites that are part of, affiliated with, or have a business relationship with Pathwise Credit Union. When you leave our site to visit one of these other sites, the only information transferred to the new site is the fact that you came from the Pathwise Credit Union web site (the referring address). Transmission of this referring address allows other sites to monitor their own web traffic, but does not disclose any personal information about you.

How do I contact Pathwise Credit Union with Questions or Concerns?

We welcome any questions or concerns about our Internet Privacy Statement, or the practices of this site. Please contact us by e-mail or in writing at the following address:

Privacy Officer
Pathwise Credit Union
322 King St W. 
Oshawa, Ontario L1J2J9
E-mail privacyofficers@pathwise.ca

Notice: Pathwise Credit Union reserves the right to amend its Internet Privacy Statement and its Privacy Code at any time with or without notice.

Privacy Online

This information page describes in general terms how your personal information is collected and used within the online banking section of our site. The online banking area of the site is the area of our website that requires you to use your Member ID and Personal Access Code (PAC) to enter.

Controlled Access to your Information

To ensure that you are the only person accessing your personal financial information, we restrict access to the online banking section of the site by requiring that you enter your Member ID and PAC to login. Only you know your PAC. Our employees do not have access to your PAC, and they will not ask you to reveal it. If someone does ask you to provide your PAC to them, we ask that you refuse to do so and contact us immediately.

Transactional Services

By nature, our Internet banking site has many transactional functions such as transfers between accounts and bill payment functions. These transactions are all logged to ensure that your accounts are debited or credited appropriately, and a history of each transaction is available to verify your account information. We store and use your transactional information in the same fashion as if you performed the transaction at a branch or through any other service channel.

We may also use transactional information for servicing your account — for example, billing you for the particular transactions that you perform, or for the services that you use.

Creating a Secure Channel

We create a secure channel between your browser and our server to protect your information when you use the site. To learn more about how we do this, please review our information on Internet Security.

Application Forms

To provide you with a convenient method for applying for loans and mortgages, or for purchasing other financial services products such as Registered Savings Plans, we may provide secure online application forms. These forms capture personal information that we use to provide you with the products and services you request. This information is processed in a similar way to application forms received through our other channels.

Website Usage Statistics

To continually improve our site, we often collect statistics about how our members are using it. These usage statistics are only viewed in the aggregate and are not associated with you as an individual. We use this information for purposes such as improving the pages where our members are having difficulties.

The information collected may include your IP address, your browser type and your operating system, as well as data such as the number and types of pages visited, and the length of time spent per page and on the site overall.

Our use of Cookies

We also use a key web technology called cookies. A cookie is a small information token that sits on your computer. As you use this site, cookies are passed back and forth between our server and your browser.

Specifically, we use two kinds of cookies — session cookies and persistent cookies. A session cookie exists only for the length of your browsing session and is deleted when you close your browser. A persistent cookie is a cookie that stays on your computer after you close your browser. A persistent cookie may or may not expire on a given date.

We use a session cookie to maintain the integrity of your online banking session. With each page that you visit, the cookie is passed back and forth between our server and your browser. We use the cookie to distinguish your session from the many others that may be happening at the same time. Our session cookies never store any personal information, such as your name, or date of birth, or financial information, such as your accounts and balances.

We may use persistent cookies to (i) provide you with a customized experience by recording your preferences; (ii) gather statistical information such as average time spent on a page; and (iii) to show you targeted marketing information about us when you visit other websites. The data gathered provides us with information on how we can improve the design, content and navigation of our website.

Most recent browser versions allow you to set some level of control over which cookies are accepted and how your browser uses them. For example, it may be set to notify you when it is receiving a cookie so that you accept cookies from only known, reliable sites such as this one. If you are concerned about cookies, we encourage you to upgrade your browser to a recent version and review the Help section of your browser to learn more about its specific control features.

Memorized Accounts Feature

We use a persistent cookie to store information to help you personalize the site and to make it easier to use. For example, we allow you to make the login easier by remembering your login information within our Memorized Accounts feature. Since the Memorized Accounts feature is optional, this cookie only contains information that you have entered into it. We never store your Personal Access Code (PAC) in a cookie.

Logout Button

To ensure that no-one else can access your personal information, always use the logout button to end an online banking session. It is located at the top of every page. When you exit using the logout button, we delete your session cookie so that your session cannot be resumed unless your Member ID and PAC are re-entered.

Automatic Session Time-outs

In the event that you leave your computer without logging out, the online banking feature of this site has been designed to end your session automatically if our system detects that you haven't provided any instructions or used the browser buttons to navigate for several minutes. To restart the session, you will need to provide your PAC again.

Email

To communicate with us electronically, we strongly recommend that you use our Contact Us feature. This feature provides a secure channel for sending us comments, questions or instructions.General email is not secure since it passes through many points on its route from you to us. If you are using general email to communicate with us, we strongly recommend that you do not include personal financial information (such as account numbers) within the email as we cannot guarantee its confidentiality en route to us.When you email us your comments, questions or instructions, you provide us your email address and we use it to correspond with you. We then store your email and our replies to you in case we correspond further.

Links to Other Sites

Our site may also contain links to other websites or Internet resources. As an example, from time-to-time we may provide links to assist you in upgrading your Internet browser. However, we have no control over these other websites or Internet resources and do not control their collection, use and disclosure of your personal information. Always review the Privacy Statements of the sites that you are viewing.

Contact Us

We welcome any questions or concerns about your privacy relating to use of our website. Please use the Contact Us form to submit your questions or comments.

As we continue to expand our online banking service to serve you better, and as new Internet technologies become available, we may update the information on this page at any time, to reflect changes.