Legal & Policies

Foam Lake Savings and Credit Union Limited is committed to keeping the personal information of our members confidential, secure and private. We work hard to ensure the best possible protection for you, your identity and your money.

Take a moment to learn more about our policies, and about any precautionary steps you can take to help protect your accounts.

Privacy Policy of Foam Lake Savings and Credit Union Limited is committed to protecting the personal information of credit union members, employees and other individuals.  In order to protect all personal information collected, used or disclosed by Foam Lake Credit Union, we have adopted the Credit Union Code for the Protection of Personal Information.  Please see this document for more information Privacy Brochure

On our website, we only collect personal information required to improve the services we offer, to improve our site content and, with your permission, to contact you with information about our services.  We will not share any personal information obtained on this website with any other organization without your express knowledge and consent. 

Privacy Statement: You can visit all public areas of our site without providing any personal information about yourself.  Our website collects only non-personal information based on a visitor's Internet Protocol (IP) address (this is not personally identifiable).  Information collected includes the date and time of visit, the type of Internet browser used to access the site, the referring address (the link a visitor uses to access the site).  This data is used to create statistics on site usage and improve online services.  Foam Lake Credit Union's internal Web site is solely for the use of authorized members of boards, committees, management and staff of the Credit Union.  Access requires a special "User Name" and "Password."  Personal information that is collected on this internal website is used solely for security and site management purposes and to facilitate business functions of Foam Lake Credit Union.  Will a cookie be set on my computer when I visit this site?  To help us manage our website, we set a cookie on your computer that expires when you close your web browser.  If you send us an e-mail, any information provided by you will only be used for the purposes of responding to your inquiry or acting on your request.  We will not use your name or e-mail address for any other purposes without additional consent.

Links to other websites: Our website contains links to other websites that are part of, affiliated with, or have a business relationship with the Foam Lake Credit Union.  When you leave our site to visit one of these other sites, the only information transferred to the new site is the fact that you came from the Foam Lake Credit Union website (the referring address).  Transmission of this referring address allows other sites to monitor their own web traffic, but does not disclose any personal information about you.

Market Code: The credit union and its employees have always been committed to delivering a high quality of service to members and customers. The Market Code that follows builds on this commitment. This Market Code identifies the market practice standards and how the credit union subscribes to the standards. Please see this document for more information: Market Code.

At Foam Lake Savings and Credit Union Limited we take our member complaints very seriously and are committed to making every effort to resolve your concern.  We want to handle your complaint in the most efficient and professional manner possible. Please Contact Us with any concerns. 

For additional information, see Market Code - Complaint Handling

Statement of Commitment: Codes of Conduct for the Credit and Debit Card Industry in Canada Foam Lake Credit Union is committed to the Canadian Code of Practice for Consumer Debit Card Services and the Code of Conduct for the Credit and Debit Card Industry in Canada. These codes are designed to protect credit union members’ interests related to the issuance and acceptance of payment cards, and to the operation of payment card networks.

For more information, please see:

Canadian Code of Practice for Consumer Debit Card Services

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

Deposits held in Saskatchewan credit unions are fully guaranteed by Credit Union Deposit Guarantee Corporation. For more information, see CUDGC.
These Terms of Use (“Terms”) govern your use of any eligible Credit Union debit card (“Card”) when you add or keep your Card in a mobile wallet (“Wallet”) for use on any eligible device (“Device”) that supports the use of the Wallet.  Please read these Terms carefully.  If you add or activate your Card for use in a Wallet, it means that you accept and agree to these Terms. In these Terms, "you" and "your" means each Credit Union member who has been issued a Credit Union Card.  "We", "us", and "our" mean Credit Union.  For full Terms & Conditions, see Mobile Wallet Terms of Use.

These agreements outline the terms and conditions of operating accounts at Foam Lake Savings and Credit Union Limited.  

Central 1 Credit Union

®DING FREE & Design are registered trade-marks of Central 1 Credit Union, used under license.  Deposit Anywhere™ is a trademark of Central 1 Credit Union and used under license.

Canadian Credit Union Association

®STRICTLY BUSINESS and MAXIMIZER are registered trade-marks, MEMBER CARD and MEMBER CARD & Design are registered certification marks owned by Canadian Credit Union Association, used under license.

Mobile Banking

iPhone®, iPod Touch®, iPad® and iTunes® are trade-marks of Apple Inc. registered in the United States and other countries.  Android is a trademark of Google Inc. Google Play is a trademark of Google Inc.  The Trademark BlackBerry® is owned by Research In Motion Limited and is registered in the United States and may be pending or registered in other countries.

Interac Association

®INTERAC logo, INTERAC, INTERAC Flash, INTERAC e-Transfer, INTERAC Debit are registered trade-marks owned by Interac Inc., used under license.

World Council of Credit Unions

®HANDS & GLOBE Design is a registered certification mark owned by the World Council of Credit Unions, used under license.


®Collabria trademark is Collabria Financial Services' property®.  The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.


Lock'N'Block® is a registered trademark of Everlink Payment Services Inc.

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