HETER ISKA

The Financial Institution conforms to Jewish law and where required by Jewish law utilizes a heter iska kloli prepared for the Financial Institution by Halacha Institute of Toronto with respect to its loans and interest. The heter iska is held in the files of the Financial Institution.

Warranties and Limitation of Liability

Information and documents provided on this website are provided “as is” without warranty. Lighthouse uses reasonable efforts to post accurate and up-to-date information on this website; it does not, however, warrant its accuracy, adequacy, timeliness or completeness. Accordingly, you agree that Lighthouse is not responsible in any manner for direct, indirect, special or consequential loss you may suffer, regardless of the cause, as a result of your use of this website through any web browser, including any loss you may suffer if you transmit confidential or sensitive information to us or if we transmit, at your request, such information to you over the Internet. Rates, fees and other information is subject to change at any time without notice to users and the posted rates and fees on the some may not immediately reflect such changes.

Use of Electronic Services

Certain portions of the website relating to online banking may be accessed only by Lighthouse Members’ who have agreed to be bound by the applicable Electronic Services Agreement, the terms of which will supersede any conflicting Terms of Use.

Availability of Products and Services

By law, Lighthouse may not accept deposits from, or make loans to, a person who is not a Member of Lighthouse. As a result, this website and its contents, including any description of products and services, in no way represent an effort to solicit business from individuals or entities who are not eligible for membership. All Lighthouse products and services are subject to the terms of the applicable agreements governing their use.

Seek Personalized Advice

Except for Electronic Banking (including online applications and special requests), this website is for informational or general illustrative purposes only and is not intended to provide specific financial, tax, accounting or legal advice.

Privacy and Security

Lighthouse uses data encryption and firewalls to maintain the security of the information it receives through the website. Nevertheless, security and privacy risks cannot be eliminated. In order to protect your own security, you must access and use the website using commercially available browser software (such as a current version of Internet Explorer® or Safari® that provides a 128-bit encryption. Once you have initiated a session in connection with the website, you must not leave the computer from which you have access the website unless and until you have terminated the session and logged off the website. When you complete a session, you are responsible for clearing your browser’s cache or temporary internet files to ensure your personal information is not accessible to others. E-mail is not secure or confidential unless properly encrypted. Consequently, Lighthouse discourages the use of e-mail to send personal or financial information to Lighthouse. If you send e-mail to Lighthouse for these purposes, you do so at your own risk and Lighthouse will not be responsible or liable to you or any other person for any loss or damage suffered as a result of your use of e-mail to communicate.

If Lighthouse decides to send an email message to an apparent user of this website, and you are not the intended recipient or someone who is responsible for passing on the message to the intended recipient, please be advised that the message is intended for the use of the addressee(s) only and is confidential information. Any review, disclosure, conversion to hard copy, dissemination, reproduction or other use of any part of this email message by you is strictly prohibited. If you have received this email message in error or without due authorization, please notify Lighthouse immediately by return email message or some other means, and permanently delete the email message from any computer, disk drive, or other storage medium.

Links to Third-Party Sites

The Lighthouse website may contain images of and links to third party websites. The linked sites are not under the control of Lighthouse and Lighthouse is not responsible for the content of any linked site. Lighthouse is providing these links only as a convenience and the inclusion of a link does not imply endorsement of the linked site by Lighthouse.

Use of Cookies

In order to provide better service, we will occasionally use a “cookie”. A cookie is a small piece of information which a website stores on your web browser on your computer and can later retrieve. The cookie cannot be read by a website other than the one that set the cookie. We use cookies for a number of administrative purposes. They let us store information that you have already told us, so we do not have to ask you again. They also allow us to measure what parts of our site Members prefer to see, and what parts are less popular. Most cookies last only through a single session, or visit. None will contain information that will enable anyone to contact you via phone or email or regular mail. You can set up your web browser to inform you when cookies are set or to prevent cookies from being set. However, our online banking service uses cookies as a security measure, to maintain a connection with you. If you set your browser to prevent cookies, you will not be able to access Lighthouse’s online banking services.

Trademarks and Copyright

All content of this site is the property of Lighthouse Credit Union unless otherwise noted. Any downloading of text or graphics for purposes other than personal use is prohibited unless authorized by Lighthouse Credit Union.

™Trademarks of Lighthouse Credit Union Limited

All other marks are copyright of their owners.