Personal membership terms and conditions

The information, artwork, text, video, audio, and pictures contained on our website, and the website design, content and arrangement are protected by copyright laws. You may download information from our website for your personal, non-commercial viewing, but you may not otherwise copy, reproduce, republish, post, transmit, distribute or modify anything from our website without our prior written approval.

Gulf & Fraser, the Gulf & Fraser logo, and all other trademarks and trade names of Gulf & Fraser appearing on this web site are owned by [or licensed to] Gulf & Fraser and may not be used in connection with any product or service that is not Gulf & Fraser's, in any manner that is likely to cause confusion, or in any manner that disparages or discredits Gulf & Fraser.

®MEMBERDIRECT is a registered trademark owned by Credit Union Central of Canada, used under license.

®MEMBER CARD and MEMBER CARD & Design and MEMBERLINK are registered certification marks owned by Credit Union Central of Canada, used under license.

This website, and the materials on it, are provided "as is". Gulf & Fraser makes no representations or warranties of any kind, express or implied, as to the operation of this website, our services, or the information, content, materials, services or products included or referenced on this website. Gulf & Fraser is not responsible for any direct, indirect, special or consequential damages arising out of your use of this website, including any damages you may suffer as a result of your personal information being transmitted between you and Gulf & Fraser.

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, GULF & FRASER DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Gulf & Fraser will not be liable to any party for any damages of any kind including but not limited to direct, indirect, special or other consequential or incidental damages, lost profits, business interruption or otherwise arising directly or indirectly from the use of this website or Gulf & Fraser's services, even if Gulf & Fraser is expressly advised of the possibility of such damages.

All information provided on this website is believed to be accurate and reliable when it was posted on this site. However, we cannot guarantee that all information is accurate, complete or current at all times. The material on our website is for informational purposes only; it is not intended to be financial or legal advice. Please contact one of our customer service representatives for more information before you act on any materials or information you see on our website.

The information on this website 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 such a solicitation. The products and services offered by Gulf & Fraser are subject to various terms and conditions.

The laws in force in the province of British Columbia, Canada, will govern these disclaimers, terms, conditions and any claims you make against Gulf & Fraser. You agree that any action at law or in equity arising out of or relating to these disclaimers, terms and conditions will be filed only in the courts located in the province of British Columbia, and you hereby consent and submit to the personal jurisdiction of such courts for the purpose of litigating such action.

If any of these terms or conditions is unlawful, void or unenforceable, then that term or condition is severable and will not affect the validity and enforceability of the remaining terms and conditions.

Gulf & Fraser may amend these Website Terms of Use at any time. Accordingly, you should periodically re-visit these terms to review the then-current Website Terms of Use governing your use of this website. Certain portions of these Website Terms of Use may be superseded by terms of other contracts between you and Gulf & Fraser.