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    Terms of Use

    This page states the terms under which you may use this site, which is the property of Libro Credit Union Limited ("Libro"). Your use of this site constitutes acceptance of these terms. Note that this contains provisions that may limit your rights, such as under the section entitled "Warranties and Limitation of Liability".

    Page Contents

    Click the links below to jump to a section.

    Intellectual Property ›
    Warranties and Limitation of Liability ›
    Links to Third Party Sites ›
    Seek Personalized Advice ›
    Website Use ›
    Governing Law ›
    Privacy ›
    Changing These Terms ›
    Contact ›
    Trademarks and Copyright ›

    Intellectual Property

    Copyright © 2014 Libro Credit Union Limited. All rights reserved. The contents of this site are owned by and copyrighted by Libro and its suppliers and contains trademarks of Libro and others used by Libro with permission. You may print, copy or save portions of this site for your own use only - provided that all copyright and trademark provisions contained on the site remain intact.

    Unauthorized use of any portion of this site beyond that contained in the previous paragraph may violate copyright, trademark and other laws.

    Warranties and Limitation of Liability

    Information and documents provided on this Website are provided "as is" without any warranty. Libro uses reasonable efforts to furnish accurate and up-to-date information on this Website; it does not, however, warrant its accuracy, adequacy, timeliness or completeness. Rates, fees and other information is subject to change at any time without notice to users and the posted rates and fees on the site may not immediately reflect such changes.

    Your use of this Website is at your own risk. In no event will Libro, its suppliers, and the other parties involved in creating and delivering this Website's contents be liable for any damages, losses or expenses of any kind arising from or in connection with this Website or its use or any person's inability to use the site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, loss of data or otherwise, even if Libro, or its representatives, are advised of the possibility of such damages, losses or expenses.

    Links to Third Party Sites

    Any third party sites that are linked to this site are not under Libro's control. Libro is not responsible for anything 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. Libro provides links as a convenience only and such links do not imply any endorsement by Libro of those sites.

    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.

    Website Use

    Libro's services are available for those residing within the Province of Ontario and/or otherwise as provided by Libro's charter. The use of Libro services and this site by Libro owners is subject to the terms of the Libro Service Agreement.

    Governing Law

    This site is governed by the laws of the Province of Ontario excluding any conflicts of law provisions and excluding the United Nations Convention on Contracts for the International Sale of Goods. Any legal action against Libro shall take place in the courts of Ontario.


    Please see our Privacy Policy ›

    Changing these terms

    Libro may change these terms by posting notice on its site. These terms were last revised on January 1, 2014.

    Contact Libro

    Libro may be contacted at 1-800-361-8222 or service@libro.ca. For more contact options please visit our Contact Us page.