VermilionCreditUnion - Each One Teach One

Session topics:

How to choose the right bank account for your needs
How to make interest work for you - not against you
Ways to reduce your account and transaction fees

Session topics:

What is a budget and why you should create one
Tips to help you reach your financial goals
Ideas to help you adjust your spending

Session topics:

How income taxes are used
Why it makes sense to file your tax return even if you don't owe money
Benefits available to lower income tax payers in Canada

Session topics:

Advantages and disadvantages of credit cards and prepaid cards
Important things to look for in a prepaid card agreement
How to figure out the real cost of using credit and prepaid cards

Session topics:

How to calculate the real cost of "bad" loans
Why payday loans and pawnshop loans are a terrible option
The real cost of using credit cards and cash advances

Session topics:

How to decide what kind of loan is best for your needs
How to understand payment terms and obligations
How interest is calculated and why it matters

Session topics:

Tips to manage your debt
When it makes sense to get a consolidation loan
The difference between consumer proposal and bankruptcy

Session topics:

Why your credit history matters to you
Simple steps to build a good credit score
What to do if you need to get yourself out of financial trouble

Session topics:

How thieves steal and use your personal information
Tips to keep your financial and personal information safe
What to do if you're the victim of fraud or identity theft

Session topics:

The benefits of using RRSP's and TFSA's
How to decide whether to invest
The different kinds of RRSP's and TFSA's

Session topics:

What an RESP is and how they work
How to decide what kind of RESP is best for your family
Free money to help grow your RESP

Session topics:

What makes a contract valid
Things to watch for in a cellphone contract
Rent to Own contracts

Session topics:

What senior financial abuse is
How to recognize if you or a loved one is being taken advantage of
Advanced planning tools to protect yourself or loved ones

Session topics:

If homeownership is right for you
How to plan for homeownership
The upfront and ongoing costs of owning a home

Session topics:

How a mortgage works
The different types of mortgages
How to save on your mortgage

Session topics:

Choosing a prospective home that's right for you and your family
Picking a home that meets your needs now and in the future
The difference between buying a new and pre-owned home

Session topics:

How to get great professional help when buying a home
The roles and responsibilities of your mortgage broker, real estate agent, home inspector and other professionals
What to look for - and avoid - when seeking professional home-buying help

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Consent

I consent to Vermilion Credit Union collecting, using and disclosing my personal information as described in the agreement below.

Requires consent

I consent to Vermilion Credit Union, and its agents and representatives, collecting, using, and disclosing my personal information provided in connection with this Application, and any changes or additions to this information provided in the future, for the purposes of:

providing me, or a third party for whom I am acting, with Vermilion Credit Union products and services that I have applied for or may apply for in the future and providing information to suppliers of products and services to me or Vermilion Credit Union in connection with providing these products and services;
understanding my needs and determining the suitability of products and services for me; determining my eligibility for these products and services;
establishing my identity; verifying information provided by me with third parties including my employer and other financial institutions, verifying information provided by third parties; administering the Account; and making sure my records are kept separate from others with the same name;
protecting me, a third party for whom I am acting, or the Vermilion Credit Union from error and fraud such as identity theft;
collecting a debt owed to the Vermilion Credit Union;
transferring or selling Vermilion Credit Union assets, such as in an acquisition, merger, loan syndication, securitization of loans, or sale of loans;
complying with legal requirements, including money laundering laws and regulations.

I consent to Vermilion Credit Union, and its agents and representatives, disclosing my personal information to:

suppliers of products and services to me or Vermilion Credit Union, including data service providers, cheque printers, card manufacturers, affiliates of Vermilion Credit Union, provincial or national central Financial Institutions or trade associations, in connection with providing and administering my Account and other products and services provided to me, or a third party for whom I am acting;
participants in the payment and clearing systems in connection with providing or administering my Account and other products and services provided to me or a third party for whom I am acting, and to other financial institutions that I request pay cheques drawn on the Financial Institution;

If there is more than 1 Applicant, I consent to Vermilion Credit Union disclosing information about the Account as instructed by either/any 1 of the Applicants.

If you have questions about the collection, use and disclosure of your personal information by Vermilion Credit Union, please contact us.