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”.

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Intellectual Property

Copyright © 2017 Libro Credit Union Limited. All rights reserved. The contents of this website 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 website 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.

Use of Cookies

What are cookies? They are small text files created and stored when you visit a website. These cookies keep track of where you go and what you do within that website. They are also specific to that website and cannot be used by other websites you might visit. Cookies store minimal information, including the URL of the website and a random number assigned to your visit. As a visitor, you can surf the website anonymously and access important information without revealing your identity.

Why does Libro use cookies? One of the goals of Libro’s website is to create a personalized informative experience, based on your interactions with our website, by putting the right information in-front of the right person. These cookies allow us to distinguish you from other users of our website and display contextual and relevant content, but this information does not allow us to identify you personally.

You may delete and block all cookies from our website, but please be aware that this will affect your access to parts of our website. For example, you will not be able to access our Online and Mobile Banking which use cookies to authenticate and validate each individual trying to use these online services.

Are cookies safe? Yes, under Canada’s Anti-Spam Legislation (CASL), “Cookies” are defined as “non- executable computer programs that cannot carry viruses and install malware.”

For additional resources, please review the following sites:


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.


Libro may change these terms by posting notice on its site. These terms were last revised on April 1, 2017.

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.

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Privacy Policy | Service Agreement | Trademarks & CopyrightsDebit Card Agreement | Aviso Wealth