Terms & Conditions

Website terms and conditions of use

(Last updated on June 23, 2025)

These website terms and conditions of use, together with any documents and additional terms referred to herein (collectively, these “Website Terms of Use”), govern your access to and use of content, information and services offered on or through www.beemcreditunion.ca, www.gulfandfraser.com, www.interiorsavings.com, www.blueshorefinancial.com and www.npscu.ca (collectively, the “Website”).

BY USING THE WEBSITE, YOU ACCEPT AND AGREE TO BE BOUND BY AND COMPLY WITH THESE WEBSITE TERMS OF USE AND BEEM CREDIT UNION’S (“Beem”, “we”, “us”, “our”) PRIVACY CODE FOUND AT https://www.beemcreditunion.ca/privacy-code, INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT AGREE TO THESE WEBSITE TERMS OF USE OR THE PRIVACY CODE, YOU MUST NOT ACCESS OR USE THE WEBSITE.

Each time you use or access the Website, the most current version of these Website Terms of Use will govern your access or use.

Account and services agreements

Certain portions of the Website, including online banking, may be accessed only by persons who we have provided a personal access code or password and who have agreed to be bound by the applicable account and services agreement available here.

All of our products and services are subject to the terms of the applicable agreements governing their use, including the account and services agreements available in the Personal Membership & Accounts section below.

Copyright

As between you and us, we are the owner of all intellectual property rights on each Website page. Unless otherwise indicated, trademarks and logos, and all works, including texts, images, illustrations, software, HTML codes, audio clips and videos appearing on our Website are our property and, without our express written permission, may not be reproduced, republished, downloaded, posted, transmitted, distributed or modified, in whole or in part, in any form whatsoever, except for personal and non-commercial use. Nothing in these Website Terms of Use or on our Website is to be interpreted as conferring a right to use the works, trademarks or logos in any other way.

Trademarks

Beem Credit Union, BlueShore Financial, Interior Savings, GFCU Savings, Gulf & Fraser, North Peace Savings and all related names, logos, product and service names, designs, images and slogans appearing on this website are owned by or licensed to us and may not be used without our prior written consent.

®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.

All other marks are copyright of their owners.

Disclaimer and limitation of liability

Your use of this Website is at your own risk. This Website, and the materials on it, are provided “as is”. We make 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. We are not responsible for 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 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 us, even if we are advised of the possibility of such damages.

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

No reliance

All information and documents provided on this Website are provided “as is” without any warranty. We use reasonable efforts to furnishaccurate and up-to-date information on this Website; however, we do not warrant its accuracy, adequacy, timeliness or completeness. Rates, fees, terms, conditions and other information is subject to change at any time without notice and the posted rates and fees on the Website may not immediately reflect such changes.

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.

Unless expressly stated otherwise, the information on this Website does not constitute an offer or contract.

Third party links

Our public access Website and Online Banking accessed through our Website may provide links to other websites, including those of third parties. Thirdparty websites are independent of ourWebsite and their use may be subject to separate agreements. We have no liability or responsibility for, or control over, third party websites or their content. Links are provided for convenience only, and you assume all risk resulting from accessing or using third party websites. No endorsement of any third party products, services or information is made or implied by any information, material or content referenced or included on, or linked from or to this Website. Any collection, use or disclosure of your personal information by the third party will be governed exclusively by the third party's privacy policy and any consent or agreement between you and the third party relating to such collection, use or disclosure.

Privacy and security

The security of your personal information is very important to us, and will be collected, used and disclosed in accordance with our Privacy Code. Unfortunately, the transmission of information via the Internet (including via email) is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on this Website.

Your access to and use of online banking services through the Website are subject to your agreement and compliance with the applicable agreements governing such use, including the applicable account and services agreement found here. Please refer to these agreements for additional requirements you should be aware of for your access to and use of online banking including, without limitation, requirements around keeping your password secret.

You are prohibited from attempting to circumvent and from violating the security of this Website.

Use of cookies

We use cookies and other automatic data collection technologies to collect anonymous or aggregated statistical information about your visit to the Website, such as:

Details of your visits to the Website, including traffic data (such as the number and types of pages visited, and the length of time spent per page), location data, logs and other communication data and the resources that you access and use and the time you spend on the Website.
Information about your computer and Internet connection, including your IP address, operating system, and browser type.

A cookie is a small data file that sits on your computer. As you use this Website, cookies are passed back and forth between our server and your browser. Cookies help us provide more personalized service, like targeted advertising based on your interests (including remarketing campaigns).

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.

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 choose not to accept cookies when using the Website, your experience during your visit to the Website may be affected. If you are concerned about cookies, we encourage you to upgrade your browser to a recent version and review its Help section to learn more about its specific control features.

This Website uses a number of third party products. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use the Website. The information these third parties collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioural) advertising or other targeted content. Read their privacy statements to find out how they track and use your information:

Facebook cookie policy
Google Analytics privacy statement
Google AdWords cookie usage

We do not control these third parties' tracking technologies or how they are used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

Jurisdiction

The laws in force in the province of British Columbia, Canada, will govern these Website Terms of Use and any claims you make against us. You agree that any action at law or in equity arising out of or relating to these Website Terms of Use 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.

Severability

If any of the provisions of these Website Terms of Use are unlawful, void or unenforceable, then that provision is severable and will not affect the validity and enforceability of the remaining terms and conditions.

Updates

We may amend these Website Terms of Use from time to time, without notice to you. Any and all such amendments are effective immediately upon posting and apply to all access to and continued use of the Website. Accordingly, you agree that each time you access or use the Website, you should review the then-current Website Terms of Use governing your use of this website and your continued use shall be your acceptance of such amendments.

The information and material on this Website may be changed, withdrawn or terminated at any time in our sole discretion, without notice to you. We will not be liable if, for any reason, all or any part of the Website is restricted or unavailable at any time or for any period.

Code of Conduct for the Credit and Debit Card Industry in Canada

Canadian Credit Union Association (CCUA) on behalf of the credit union system, is stating our re-commitment to the Code of Conduct for the Credit and Debit Card Industry in Canada. The Code was designed to protect credit union members’ interests related to the issuance and acceptance of payment cards, and to the operation of payment card networks.
Learn more about the Code of Conduct for the Credit and Debit Card Industry in Canada.