Warranties and Limitation of Liability

Information and documents provided on this Web site are provided "as is" without any warranty. Ladysmith & District Credit Union uses reasonable efforts to include accurate and up-to-date information on this Web site; it does not, however, make any representations as to its accuracy or completeness.

Your use of this Web site is at your own risk. Ladysmith & District Credit Union, its affiliates, LCU Insurance Agencies Ltd., and the other parties involved in creating and delivering this Web site's contents are not liable for any damages arising from use of this site.

Links to Third Party Sites

The Ladysmith & District Credit Union Web site may contain images of and links to third party Web sites. The linked sites are not under the control of Ladysmith & District Credit Union and its affiliates are not responsible for the contents of any Linked Site, including without limitation any link contained in a linked site, or any changes or updates to a linked site.

Ladysmith & District Credit Union and its affiliates are not responsible for webcasting or any other form of transmission received from any Linked Site nor are they responsible if the linked site is not working appropriately. Ladysmith & District Credit Union is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Ladysmith & District Credit Union and its affiliates of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the linked sites. Any dealings that you have with third parties, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings are solely between you and the third party. Ladysmith & District Credit Union shall not be responsible or liable in any way for any part of such dealings.

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 web site stores on your web browser on your computer and can later retrieve. The cookie cannot be read by a Web site 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 don't have to ask you again. They also allow us to measure what parts of our site customers 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 telephone, e-mail, or "snail 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 system, MemberDirect® Internet Banking, 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 our MemberDirect online banking system.


With the addition of e-Transfers LDCU requires you to read the extended Direct Service Agreement.

Direct Services Agreement - Personal Accounts
Direct Services Agreement - Small Business Accounts

Copyright and Trade-marks

® MEMBERDIRECT is a registered trade-mark owned by Credit Union Central of Canada, used under license.
® MEMBER CARD and MEMBER CARD & Design are registered certification marks owned by Credit Union Central of Canada, used under license.