Market Conduct Code (the “Code”)
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We recognize best practices we pledge to follow for soliciting, promoting, advertising, marketing, selling, or distributing our products or services. The Code demonstrates our commitment to the fair treatment of all those who use our services. We believe in fair sales practices, access to banking services, transparency and openness, and a reasonable approach to settling complaints. Individuals are entitled to the best possible care of their financial interests.

The five central principles of the Code are broadly outlined below:

• Business practices: We are committed to ethical business practices and the financial well-being of our members and customers using our products and services. It is a core component of our governance and corporate culture.
• Fair treatment and fair sales practices: Treating members and customers fairly, acting in good faith and demonstrating fair sales practices at all times are integral parts of our business practices.
  
  
• Access to banking services: We ensure that all credit union members and customers are granted access to basic financial services.
  
  
• Transparency and disclosure: We consider the financial needs of our members, provide clear and transparent disclosure and use plain language and/or user-friendly language descriptions of products and services to ensure people can make informed decisions.
  
  
• Complaint handling: We have clear processes for resolving and escalating complaints. We examine complaints and work to settle them fairly and in a timely manner, and we track complaints to help ensure our practices continue to improve.

The detailed Market Conduct Code for Community Savings Credit Union is here.