Offer Terms & Conditions

Under our Refer a Friend Program (the "Program"), Coast Capital Savings will from time to time offer different Refer a Friend promotions (each a "Promotion").  Under each Promotion, eligible members may earn rewards by asking eligible individuals to participate in the Promotion.  Each Promotion will have its own rewards and its own set of Promotion specific rules (the "Promotion Rules").

Please review these Terms carefully.  By clicking to accept, or by participating in a Promotion, you agree to be bound by the Promotion Rules and these Terms.  If you do not accept the Promotion Rules and these Terms, do not participate in the Promotions.

  1. Definitions

    For the purposes of the Program,

    • "Account in Good Standing" means a chequing or savings account with Coast Capital Savings that:
      1. Does not have a negative balance exceeding the authorized overdraft limit;
      2. Is not closed due to service charges;
      3. Does not have an unauthorized overdraft written off status; and
      4. Has not been suspected of fraudulent activities.
    • "Coast Capital Savings" means Coast Capital Savings Credit Union
    • "Digital Platform" means the digital platform provided by RewardStream Solutions NA Inc. for the Program
    • "Eligible Referrer" means an individual who meets the qualifications under section 2
    • "Eligible Referee" means an individual who meets the qualifications under section 3
    • "Refer a Friend Account" means an account set up on the Digital Platform for the purposes of making or accepting Referral Offers
    • "Referral Offer" means an offer made by a Eligible Referrer using the Digital Platform which communicates that an individual receiving the offer may be eligible for a Reward under the Promotion
    • "Rewards" means, for each Promotion, the rewards set out in the Promotion Rules
  2. Eligible Referrer

    An Eligible Referrer must be an individual who is a member of Coast Capital Savings, who is 19 years of age or older, who has an Account in Good Standing, and who meets any additional eligibility requirements set out in the Promotion Rules.  An Eligible Referrer must not be a director, officer, or employee of Coast Capital Savings.

  3. Eligible Referee

    An Eligible Referee must be an individual who is 19 years of age or older, and who meets any additional eligibility requirements set out in the Promotion Rules.  An Eligible Referee must not be a director, officer, or employee of Coast Capital Savings.

    If the Referral Offer is sent by email or by a direct social media message (such as by using Facebook Messenger, a Facebook private message, or a Twitter direct message), then the Eligible Referee must be an individual with whom the Eligible Referee has a personal relationship or a family relationship.

    • Under Canada’s anti-spam legislation, "personal relationship" means the relationship between an individual who sends a message and the individual to whom the message is sent, if those individuals have had direct, voluntary, two-way communications and it would be reasonable to conclude that they have a personal relationship, taking into consideration any relevant factors such as the sharing of interests, experiences, opinions and information evidenced in the communications, the frequency of communication, the length of time since the parties communicated or whether the parties have met in person.  A personal relationship is limited to close relationships.  It requires more than accepting someone as a friend or clicking follow on social media.
    • Under Canada’s anti-spam legislation, "family relationship" means the relationship between an individual who sends a message and the individual to whom the message is sent if those individuals are related to one another through a marriage, common-law partnership or any legal parent-child relationship, and those individuals have had direct, voluntary, two-way communication.
  4. Earning Rewards

    In order for the Eligible Referrer and the Eligible Referee to earn Rewards under a Promotion:

    • The Eligible Referrer and the Eligible Referee must accept these Terms, and must comply with the Promotion Rules.
    • If the Referral Offer is sent by email or by a direct social media message, then the Eligible Referrer must confirm that he or she has a personal relationship or a family relationship with an individual to whom a Referral Offer is made, and that individual must be an Eligible Referee.
    • The Eligible Referrer must make a Referral Offer to the Eligible Referee, and the Eligible Referee must accept the Referral Offer within 30 days.
    • The Eligible Referee must not have previously accepted a Referral Offer under the Promotion from the Eligible Referrer or from another Eligible Referrer.
    • The Eligible Referee must be or become a member of Coast Capital Savings and must have or must open a personal chequing or savings account with Coast Capital Savings, as described in the Promotion Rules.

    If an Eligible Referee opens a joint chequing or savings account with one or more other persons, then Coast Capital Savings will pay only a single Reward.

    Subject to the Promotion Rules, there is no limit to the number of Referral Offers that an Eligible Referrer may send, or the number of Rewards that an Eligible Referrer can earn.

    The Eligible Referrer’s Rewards will be deposited to the Eligible Referrer’s chequing or savings account with Coast Capital Savings. If an Eligible Referrer has multiple chequing or savings accounts with Coast Capital Savings, the Reward will be deposited to the account with the most recent transaction.

    The Eligible Referee’s Rewards will be deposited to the Eligible Referee’s personal chequing or savings account with Coast Capital Savings. If an Eligible Referee opens multiple personal chequing or savings accounts with Coast Capital Savings, the Reward will be deposited to the account selected by Coast Capital Savings.

    Eligible Referrers and Eligible Referees may not combine their rights under a Promotion with any other offer or promotion of Coast Capital Savings.

    An Eligible Referee who has accepted a Referral Offer and opened a chequing or savings account with Coast Capital Savings may then become an Eligible Referrer.

  5. The Refer a Friend Digital Platform 

    Eligible Referrers and Eligible Referees must use the Digital Platform to make and accept Referral Offers. Use of the Digital Platform requires the submission of certain information, including personal information.  Eligible Referrers and Eligible Referees consent to the collection, use, disclosure and storage of their personal information as necessary for Coast Capital Savings to operate the Program, and in accordance with Coast Capital Savings Privacy Policy.

    Eligible Referrers must use the same first name and last name to identify themselves as is indicated on their membership with Coast Capital Savings.

    Eligible Referees must use the same first name and last name to identify themselves as is indicated on their membership with Coast Capital Savings.

    Eligible Referees who become Eligible Referrers will need to set up a new Refer a Friend Account which will generate a new unique link to make Referral Offers.

    Eligible Referrers and Eligible Referees have the sole responsibility to: (a) maintain the confidentiality of their Digital Platform account login and password; (b) frequently update and revise their passwords; and (c) promptly notify Coast Capital Savings if there is any unauthorized use of their account or any other breach of security.

    While Coast Capital Savings will use reasonable efforts to maintain the timeliness, integrity and security of the Digital Platform, Coast Capital Savings does not guarantee that the Digital Platform is or will remain updated, complete, correct or secure, or that access to the Digital Platform will be uninterrupted.  The Digital Platform is provided on an "as is" and "as available" basis, without any warranties of any kind.

  6. Communications from Coast Capital Savings 

    If an individual who has received one or more email Referral Offers would prefer not to receive any more email Referral Offers, the individual may unsubscribe by following the instructions in the email or by contacting Coast Capital Savings as indicated under Contact Us below.  

    By providing their email addresses on the Digital Platform, Eligible Referrers and Eligible Referees agree that Coast Capital Savings is permitted to send information related to the Program to those email addresses.  Coast Capital Savings will not send Eligible Referrers and Eligible Referees any promotional information about Coast Capital Savings products and services to the email address provided through the Digital Platform (other than information about the Program), unless the Eligible Referrers and Eligible Referees have provided an express consent, or Coast Capital Savings is otherwise permitted to send the promotional information under Canada’s anti-spam legislation. If an individual no longer wishes to receive information about the Program, the individual can unsubscribe by following the instructions on the email, by withdrawing from the Program using the Digital Platform, or by contacting Coast Capital Savings as indicated under Contact Us below.

  7. Rules of Conduct

    Eligible Referrers and Eligible Referees must not use false names, invite fake people, impersonate another person or a fictitious person, use bots, or provide false information when making or accepting Referral Offers. 

    Eligible Referrers must not send Referral Offers to an individual: (a) if the individual has advised the Eligible Referrer that the individual does not wish to receive Referral Offers; or (b) if Coast Capital Savings has advised the Eligible Referrer that the individual does not wish to receive Referral Offers.

    Eligible Referrers must not post or otherwise make available through the Digital Platform any comments or other content that are or may be: (a) threatening, harassing, degrading, hateful or intimidating, or that otherwise fail to respect the rights and dignity of others; (b) defamatory, libelous, fraudulent or otherwise tortious; (c) obscene, indecent, pornographic or otherwise objectionable; (d) protected by copyright, trademark, trade secret, right of publicity or privacy, or any other proprietary right, without the express prior written consent of the applicable owner; or (e) disrespectful of Coast Capital Savings.

  8. General

    These Terms were last changed on:  May 15, 2018.  

    Coast Capital Savings may change these Terms or any Promotion Rules from time to time by notifying Eligible Referrers and Eligible Referees of such changes by any reasonable means, including by posting revised Terms or revised Promotion Rules through the Digital Platform.  Any such changes will not apply to any dispute arising prior to the date on which Coast Capital Savings posted the revised Terms or revised Promotion Rules incorporating such changes, or otherwise notified Eligible Referrers and Eligible Referees of such changes.

    Coast Capital Savings may, with or without notice, at any time and without liability, modify, suspend or discontinue all or part of the Program or any or all Promotions.

    Referral Offers and Rewards may not be transferred or assigned or combined with any other offer or promotion by Coast Capital Savings.

    The Program is subject to all applicable laws and regulations.  Promotions are void in Quebec, and in any other jurisdiction where they are or may be prohibited or restricted by law.  Coast Capital Savings may report the value of Rewards to the tax authorities if required by law, and any applicable taxes are the responsibility of the individual who earns the Rewards.

    Coast Capital Savings may terminate or suspend Refer a Friend Accounts and/or deny or revoke Referral Offers and/or unpaid Rewards with or without notice if:

    • required by law;
    • the Program is terminated for any reason; or 
    • in the case of Eligible Referrers, their membership in Coast Capital Savings is terminated for any reason. 

    Coast Capital Savings may also terminate Refer a Friend Accounts and/or deny or revoke Referral Offers and/or unpaid Rewards, and/or recover paid rewards with or without notice if Coast Capital Savings believes that: 

    • an individual participating in the Program is not an Eligible Referrer or an Eligible Referee; 
    • an individual has violated these Terms or Promotion Rules
    • an individual has obtained Referral Offers and/or Rewards in an illegal and fraudulent manner, or has otherwise abused the process, fairness, or integrity of the Program; 
    • granting Rewards will expose Coast Capital to any liability or the possibility of any legal damages; or
    • fraudulent behavior has compromised the fairness of the Program. 

    Coast Capital Savings may delay payment of any Rewards to an individual while investigating the individual’s participation in the Program.

    In the event of any conflict, these Terms will prevail over any of the contents of the Promotion Rules and any brochure or other promotional materials advertising this Program, except where otherwise stated in the Promotion Rules or such materials.

    These Terms are governed by and will be construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable in British Columbia, without regard to its principles of conflicts of law.  Eligible Referrers and Eligible Referees agree to the exclusive jurisdiction of the courts located in Vancouver, British Columbia.

  9. Contact Us

    If an Eligible Referrer or Eligible Referee has any questions or concerns about the Program, a Promotion, or the Digital Platform, or if an Eligible Referrer or Eligible Referee would like to unsubscribe from receiving Referral Offers, communications about the Program, or other promotional messages from Coast Capital Savings, the Eligible Referrer or Eligible Referee may contact the Coast Capital Savings Contact Centre by phone at 1.888.517.7000, by email from our website,  or by mail at 800-9900 King George Blvd, Surrey, British Columbia, V3T 0K7.