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Legal & Privacy


    Privacy Statement


    A tradition of respect for rights

    As a co-operative financial institution, Kawartha Credit Union is committed to policies, procedures, products and services that maintain the rights of our members and employees. The protection of your privacy and the proper collection, use and disclosure of your personal information is of paramount importance to us.

    Kawartha Credit Union's Board of Directors has adopted the Credit Union Code for the Protection of Personal Information, including related policies and procedures, and our Privacy Officer ensures our compliance.
    At any time, you may review Kawartha's Privacy and Protection of Personal Information Board policy, or contact our Privacy Officer about a privacy concern.

    Your Personal Information

    We hold personal information about members to help us meet and maintain the highest standards of financial service while complying with the Canadian Federal privacy law, also known as the Personal Information Protection and Electronic Documents Act. This information can include your name, address, age, income, use of accounts, credit history, as well as the relationship of others linked to you for online banking. We obtain this information from you directly, and from the product and service arrangements you have entered into with us. With your permission, personal information is also obtained from credit bureaus, other financial institutions, and from the references you provide to us.

    How Our Privacy Code Protects Your Personal Information

    With our members consent, we only collect information that we absolutely need for the following purposes:

    • To understand your needs and to develop, offer and manage products and services that meet those needs.
    • To determine the suitability and your eligibility for member products and services.
    • To evaluate your credit standing and to share or exchange reports and information with credit reporting agencies.
    • To detect and prevent fraud, and to help safeguard the financial interests of Kawartha Credit Union and its' members.
    • To meet legal and regulatory requirements.
    Please contact Kawartha's Privacy Officer if you require more information, or if you have questions or concerns:

    Privacy Officer
    Kawartha Credit Union Limited
    14 Hunter Street East
    P.O. Box 116 Peterborough, ON K9J 6Y5
    Telephone: (705) 743-9966 ext. 7202
    Toll Free: 1-888-743-9966 ext. 7202
    Fax: (705) 743-9889

    Warranties and Limitation of Liability

    Please note that information and documents provided on this web site are provided “as is” without warranty. While Kawartha Credit Union uses reasonable efforts to post accurate and up-to-date information on this web site, we are unable to warrant its accuracy, adequacy, timeliness or completeness. Rates, fees and other information are subject to change at any time and the posted rates and fees on the site may not immediately reflect such changes. 

    Kawartha Credit Union is not liable for any damages arising from use of this site.

    Links to Third Party Sites

    Kawartha Credit Union provides third party links as a convenience and such links do not imply any endorsement by Kawartha Credit Union of those sites.  Any links to third party sites are not under Kawartha Credit Union's control. As a result, Kawartha Credit Union is not responsible for any information contained on the linked sites, including without limitation any content, links to other sites, any changes to those sites, or any policies those sites may have.

    Seek Personalized Advice

    This site is intended to supply general educational information only. This site is not intended to be used as a substitute for any kind of professional advice such as financial, tax, accounting or legal advice.  Please connect with our Contact Centre or a Kawartha branch and we would be happy to provide you with some personalized advice.


    Information on this site, including but not limited to text, graphics, images, downloadable content, and links to other Internet resources is protected under the copyright laws of Canada and other countries. Certain items on this site may be the copyright of other third parties. Unless otherwise specified, the information may not be copied, displayed, communicated, distributed, reproduced or republished, in any form, without advance express written consent.  Please contact us at if you have questions or concerns.

    For information on terms and conditions of use, please refer to the below documents:

    Kawartha provides access to your personal and business accounts anytime and anywhere with the Kawartha Mobile Banking App — available for iPhone®, iPad®, iPod touch® and Android™ devices.

    There are no additional charges for the use of the Kawartha Credit Union Mobile Banking App.  Your mobile carrier may charge you for using browser-related services on your mobile device.

    Terms and conditions

    Use of the Mobile App is subject to the terms and conditions found in the Kawartha Credit Union Direct Services Agreement.

    The Mobile Banking App employs strict security measures to help protect your accounts from unauthorized transactions. It is your responsibility as a Member to keep your login information private and confidential.

    iPhone, iPod Touch, and iPad are trademarks of Apple Inc. registered in the United States and other countries. Android and Google Play are trademarks of Google Inc.

    Apple Inc. and Google Inc. are not sponsors or participants of Mobile Banking for Kawartha Credit Union

    Kawartha Credit Union is committed to meeting our members’ accessibility requirements. The following outlines our policy, practices and procedures for providing products and services to our members with disabilities. Kawartha complies with the Accessible Customer Service Standard under the Accessibility for Ontarians with Disabilities Act (AODA). For more information on the standard, visit

    Providing Products and Services to Members with Disabilities

    Kawartha Credit Union provides all members with safe and accessible banking in a helpful and respectful manner.


    We ensure that our employees are familiar with AODA requirements and are provided annual training to support members who need to access to our products, services and facilities. Employees are trained to communicate compassionately, respectfully and effectively with people who have a disability.

    The annual employee training includes the following:

    • The purpose of the Accessibility for Ontarians with Disabilities Act, 2005
    • The requirements of the Accessibility Standards for Customer Service
    • The requirements of the Integrated Accessibility Standards
    • How to communicate effectively with people who have different types of disabilities
    • How to interact effectively with people who have disabilities and are using assistive devices
    • How to interact with people using service animals or support persons
    • What to do if people with disabilities have difficulty accessing products and services
    • Kawartha Credit Union's policies, procedures and practices for providing accessible products and services to people with disabilities
    • What to do if planned or unplanned service disruptions impact the ability of people with disabilities to access products and services
    • How people can provide Kawartha Credit Union with feedback on its accessibility policies, procedures and practices
    • the Integrated Accessibility Standards Regulation (IASR) was enacted. The IASR introduced the five accessibility standards which are now law.
    • Kawartha’s multi-year accessibility plan which is updated every five years.


    We communicate with people with disabilities in ways that address their specific needs.


    Kawartha’s public website and web content meets the World Wide Web Consortium Web Content Accessibility Guidelines ("WCAG") 2.0. making it accessible to computer users with disabilities.

    Telephone Services

    Fully accessible telephone service is provided to our members. Our employees are trained to communicate clearly and slowly over the telephone in plain language. We communicate with members by e-mail, relay services, or any other means necessary if telephone communication is not suitable or available.


    Kawartha provides accessible account statements to all of our members and makes them available in alternate formats upon request. Member questions about their statements will be addressed in person, by telephone or e-mail.

    Notice of Temporary Service Disruption

    In the event of a planned or unexpected disruption to services or facilities, Kawartha Credit Union will attempt, where possible, to notify members promptly and provide information about the nature of the disruption, the anticipated duration, and a description of alternative facilities or services, if available. Notices will be posted in visible areas on our website and social media, or at the impacted location.

    Support Persons and Service Animals

    Kawartha welcomes people with disabilities who are accompanied by a support person and/or service animal. All employees are properly trained in how to interact with people with disabilities who are accompanied by a service animal.

    Questions, complaints or requests for information should be directed to our Complaints Officer via the following options:

    14 Hunter Street East
    P.O. Box 116
    Peterborough, Ontario K9J 6Y5


    Office: 705-743-9966
    Toll free: 1-888-743-9966
    Fax: 705-743-9889

    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 section is the area of our website that requires you to enter your password to gain access.

    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 Personal Access Code (PAC).  It is the members responsibility to keep the login information confidential and secure. Only you know your PAC. Our employees do not have access to your PAC, and they will never ask you to reveal it. Please contact us immediately if your PAC has been compromised. We strongly encourage members to set up alerts to indicate when your account has been accessed online. The alerts will immediately advise you if an unauthorised access has occurred.

    Transactional Services

    By nature, our online 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 online transactional information in the same fashion as if you performed the transaction at a branch or through any other service channel.

    Online Security

    We have advanced security protocols in place to protect your information when you use the site. To learn more about how we do this, please review our information on Internet Security.

    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 for purposes such as improving the pages where our members are having difficulties.  We do not use member specific information when reviewing online usage statistics. 

    The information collected may include your IP address, your browser type and your operating system, as well as web site information 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 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.

    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.


    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 confidentiality enroute 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.  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.


    Contact Us: 1-855-670-0510
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