Codes of Conduct and Voluntary Commitments

UNI is a member of the Canadian Bankers Association (CBA), which advocates for public policies that contribute to a sound, thriving banking system to ensure Canadians succeed in their financial goals. To find out more, click here.

Code of Conduct for Federally Regulated Financial Institutions - Mortgage Prepayment Information	UNI understands that mortgages are an important part of its members' and clients' financial product portfolio, and that providing them with clear and complete information is essential to helping them in making informed decisions about prepayment. As such, it follows the Code of Conduct for Federally Regulated Financial Institutions: Information on Mortgage Prepayment.
CBA Code of Conduct for Authorized Insurance Activities	Authorized Insurance Activities UNI adheres to the Code of Conduct for Authorized Insurance Activities. The Code governs employee training, information to be provided, promotional practices, protection of member and client privacy, and credit insurance claims procedures.
Canadian Code of Practice for Consumer Debit Card Services	Debit Card Services UNI understands that the debit card is an essential tool in their daily lives of its members and clients. The Canadian Code of Practice for Consumer Debit Card Services, to which UNI adheres, outlines industry practices as well as consumer and industry obligations aimed at protecting consumers.
Code of Conduct for the Credit and Debit Card Industry in Canada	Debit and Credit Cards UNI undertakes to observe Code of Conduct for the Canadian Credit and Debit Card Industry. Among other things, this code aims to ensure that merchants are fully informed of the costs associated with accepting credit and debit card payments, enabling them to reasonably forecast the monthly costs of accepting such payments.
Model Code of Conduct for Bank Relations with Small- and Medium-Sized Businesses	Small And Medium-Sized Enterprises UNI is proud to support SMEs in New Brunswick communities, which is why we adhere to the Model Code of Conduct for Bank Relations with Small and Medium-Sized Businesses.
Principles of Consumer Protection for Electronic Commerce: A Canadian Framework	Electronic Commerce UNI acknowledges that consumers must be protected no matter the medium they choose to conduct their transactions. You will find more information concerning the 8 principles to which UNI subscribes in this regard here: Principles of Consumer Protection for Electronic Commerce: The Canadian Framework.

Guidelines for Transfers of Registered Plans	Transferring a registered plan UNI understands that its members and clients may choose to deal with a financial institution of their choice and adheres to the Guidelines for the Transfer of a Registered Plan, which set out the maximum length of time that must be respected when processing a request for the transfer of a registered plan.
Voluntary Commitments and Codes of Conduct Commitment to Provide Information on Mortgage Security	Mortgage security UNI understands that the purchase of a property is a pivotal decision, as much as the choice of a mortgage product. As such, UNI respects the Commitment to Provide Information on Mortgage Security, and strives to provide the information necessary to ensure that consumers have sufficient information to fully understand the consequences of their choices in this matter.