Privacy & Security
We’re committed to protecting your privacy and safeguarding your personal and financial information.
The Credit Union recognizes the Credit Union Code for the Protection of Personal Information (the “Code”) developed by Credit Union Central of Canada and set out in Credit Union Central of Canada’s Credit Union Manual, based on principles entrenched in the Personal Information Protection and Electronic Documents Act (Canada). The Code is comprised of the following 10 interrelated privacy principles:
We only collect personal information from you by fair and lawful means and for legitimate and necessary reasons, which includes information:
The Income Tax Act requires that we ask you for your Social Insurance Number in connection with interest bearing and registered accounts. Additionally, we collect health information when you apply for any of our life or other insurance products. The Credit Union is committed not to collect more information than is needed to provide you with our products and services and is committed to inform you of the purposes for which we collect your personal information.
We collect your personal information to open accounts and administer your accounts and other financial products with us. We collect your personal information to verify your identity and creditworthiness, to consider you for employment, to establish your eligibility for special offers or discounts, and protect you and the Credit Union from fraud.
By agreeing to the privacy portion of the terms of service of your credit union account and/or products and providing your personal information to us you are consenting to the Credit Union using and disclosing your personal information in the ways described in this policy. You may withdraw all or part of your consent at any time by contacting your local Credit Union branch or notifying the Privacy Officer. Your consent to disclose some personal information is necessary in order to provide you all the products and services that the Credit Union offers. If your consent is withdrawn, we may be limited in the products and services we can provide to you. Your personal information will only be disclosed when required by law, or in the ways described below. If the Credit Union is interested in disclosing your personal information for any other reason, we are required to receive new consent from you.
As part of the day-to-day management of your account and the services we provide you, we may at times disclose your personal information when required to by law or when necessary to continue providing you with products and services. We disclose your personal information with your consent to third-party suppliers of products and services, such as administration of accounts and loans, cheque printing, credit cards, and access to online banking. Some of our suppliers may be located outside of the province or country. The Credit Union ensures that all information that is provided to third parties is given the same degree of protection that we offer our members, regardless of where in the world that service provider is located.
We disclose your information to credit reporting agencies and to other financial institutions to update your credit information as needed from time to time. We disclose your information to market research firms for purposes of analysis and conducting surveys, solely on behalf of the Credit Union. We disclose your information to our affiliates and other carefully selected organizations for the purpose of enabling them to give you information about products and services that may be of interest to you.
We will disclose your information to bailiffs, collection agencies, lawyers and others when collecting a debt owed to the Credit Union, enforcing an agreement between you and the Credit Union, ensuring or otherwise protecting the Credit Union’s interests in security held by the Credit Union or, realizing on security held by the Credit Union. We disclose your information to other organizations in connection with a merger or sale of some or all of the Credit Union’s assets. We disclose your information as required or authorized by law.
We may tell you about the Credit Union products or services through direct mail, e-mail, by phone, or by other means. If you do not wish to receive such communications, you may unsubscribe through a link on the emails, opt out from our website or contact the branch where you do your banking.
If you opt-out of receiving our marketing communications related to promotional offers, financial advice, or community involvement, this will not affect your eligibility for products or services. By opting-out for one account, you’ll be opting-out for all your Credit Union accounts including joint accounts where you are the primary account holder.
We will comply with your request within a reasonable amount of time.
The personal information we hold about you will be accurate and complete as of the date you provide it. You can request access to see your personal information. If you think any of your personal information is wrong, you can ask that we correct it.
If you want to see and/or correct your personal information, please contact an employee or the Privacy Officer. You will need to provide as much information as you can to help us process your request, such as dates, account numbers, and any other details that can help us track down the information you require. More information about the request process, including time limits for providing our response, will be provided at the time you make the request.
If you want to see a copy of your personal credit report, please contact the credit reporting agency. We can provide assistance if you need help contacting the credit reporting agency.
We will protect your personal information through a combination of physical, technological, and organizational measures, which can include secure storage, passwords, and encryption. Access to your personal information will be restricted to employees who need the information to do their jobs.
In addition, the Credit Union will dispose of, destroy, erase, or anonymize personal information when there is no legal or business reason to retain it to prevent unauthorized parties from gaining access to the information.
You may access your accounts with a Member Card® debit card, online banking, and/or telephone banking. To do so, you must use personal security codes that you choose. These security codes protect your accounts and your personal information from unauthorized access. It is your responsibility to protect your security codes.
The following tips can help you protect your accounts and personal information from unauthorized access:
If you have any questions or concerns, please contact us via email, addressed Attention: Privacy Officer.
Privacy Officer can answer your questions about personal information and privacy and provide you with information about our policies and practices. Our Privacy Officer can also help you complete an access to information request, help you correct your personal information, and try to resolve any concerns or complaints you have regarding our policies or practices.
There are some instances were a member’s concerns or complaints can be addressed in branch by a manager (e.g. staff error). Other complaints or concerns must be directed to the Privacy Officer.
To support the Credit Union’s documentation and investigation, these types of complaints must be provided in writing and directed to the Privacy Officer.
A complaint/concern must be made in writing.
You can either send an outline of the situation/complaint:
Note: Provide as much detail as possible as it will assist in the investigation and response to your complaint or concern.
Within five business days, you will be contacted by phone by a Compliance team member to confirm the receipt of the complaint or concern and advising when you can anticipate a more detailed response.
Please ensure that your contact information on record at the Credit Union is current (phone, e-mail).
This information page describes in general terms how your personal information is collected and used within the online banking section of our site. The online banking area of the site is the area of our website that requires you to use your Member ID and Personal Access Code (PAC) to enter.
By nature, our Internet banking site has many transactional functions such as transfers between accounts and bill payment functions. These transactions are all logged to ensure that your accounts are debited or credited appropriately, and a history of each transaction is available to verify your account information. We store and use your transactional information in the same fashion as if you performed the transaction at a branch or through any other service channel.
We may also use transactional information for servicing your account — for example, billing you for the particular transactions that you perform, or for the services that you use.
We create a secure channel between your browser and our server to protect your information when you use the site. To learn more about how we do this, please review the Internet Security section.
To provide you with a convenient method for applying for loans and mortgages, or for purchasing other financial services products such as Registered Savings Plans, we may provide secure online application forms. These forms capture personal information that we use to provide you with the products and services you request. This information is processed in a similar way to application forms received through our other channels.
To continually improve our site, we often collect statistics about how our members are using it. These usage statistics are only viewed in the aggregate and are not associated with you as an individual. We use this information for purposes such as improving the pages where our members are having difficulties.
The information collected may include your IP address, your browser type and your operating system, as well as data such as the number and types of pages visited, and the length of time spent per page and on the site overall..
We also use a key web technology called cookies. A cookie is a small information token that sits on your computer. As you use this site, cookies are passed back and forth between our server and your browser.
Specifically, we use two kinds of cookies — session cookies and persistent cookies. A session cookie exists only for the length of your browsing session and is deleted when you close your browser. A persistent cookie is a cookie that stays on your computer after you close your browser. A persistent cookie may or may not expire on a given date.
We use a session cookie to maintain the integrity of your online banking session. With each page that you visit, the cookie is passed back and forth between our server and your browser. We use the cookie to distinguish your session from the many others that may be happening at the same time. Our session cookies never store any personal information, such as your name, or date of birth, or financial information, such as your accounts and balances.
We may use persistent cookies to (i) provide you with a customized experience by recording your preferences; (ii) gather statistical information such as average time spent on a page; and (iii) to show you targeted marketing information about us when you visit other websites. The data gathered provides us with information on how we can improve the design, content and navigation of our website.
Most recent browser versions allow you to set some level of control over which cookies are accepted and how your browser uses them. For example, it may be set to notify you when it is receiving a cookie so that you accept cookies from only known, reliable sites such as this one. If you are concerned about cookies, we encourage you to upgrade your browser to a recent version.
We use a persistent cookie to store information to help you personalize the site and to make it easier to use. For example, we allow you to make the login easier by remembering your login information within our Memorized Accounts feature. Since the Memorized Accounts feature is optional, this cookie only contains information that you have entered into it. We never store your Personal Access Code (PAC) in a cookie.
To ensure that no-one else can access your personal information, always use the logout button to end an online banking session. It is located at the top of every page. When you exit using the logout button, we delete your session cookie so that your session cannot be resumed unless your Member ID and PAC are re-entered.
In the event that you leave your computer without logging out, the online banking feature of this site has been designed to end your session automatically if our system detects that you haven't provided any instructions or used the browser buttons to navigate for several minutes. To restart the session, you will need to provide your PAC again.
To communicate with us electronically, we strongly recommend that you use our Contact Us feature. This feature provides a secure channel for sending us comments, questions or instructions.
General email is not secure since it passes through many points on its route from you to us. If you are using general email to communicate with us, we strongly recommend that you do not include personal financial information (such as account numbers) within the email as we cannot guarantee its confidentiality en route to us.
When you email us your comments, questions or instructions, you provide us your email address and we use it to correspond with you. We then store your email and our replies to you in case we correspond further.
Our site may also contain links to other websites or Internet resources. As an example, from time-to-time we may provide links to Microsoft or Netscape to assist you in upgrading your Internet browser. However, we have no control over these other websites or Internet resources and do not control their collection, use and disclosure of your personal information. Always review the Privacy Statements of the sites that you are viewing.
We welcome any questions or concerns about your privacy relating to use of our website. Please contact us to submit your questions or comments.
As we continue to expand our online banking service to serve you better, and as new Internet technologies become available, we may update the information on this page at any time, to reflect changes.
The Internet has changed the way financial institutions do business. Internet banking provides convenient access to information and the ability to perform transactions from home, work or other locations. It is important to be aware that when you communicate via the Internet, other people and software can also communicate with your computer. An inadequately protected computer can be accessed by an unknown party or a virus in a very short period of time.
We take many precautions to protect the online banking environment and ensure your information is safe. Our online services offer you the best security currently available in a commercial environment so that your personal and financial information is protected while in transit between your computer and our server. This is done through the use of industry standard security techniques such as encryption. Encryption ensures that information cannot be read in transit or changed by scrambling the data using a complex mathematical formula. Some browsers can create a more secure channel than others, owing to the ‘strength’ of their encryption. We use only the strongest channel available - referred to as 128-bit SSL (Secure Socket Layer). If you have a browser that only supports ‘weaker’ encryption such as 40-bit or 56-bit SSL, you will need to upgrade your browser before using our site. The longer and more complex the ‘key’ is, the stronger the encryption. The 40 and 128 refer to the length of the key. Since 128 is longer, than 40, it is more secure. According to Netscape, 128-bit encryption is trillions of times stronger than 40-bit encryption.
We also ensure that only individuals who provide an authentic Personal Access Code can access your account information. After 20 minutes of inactivity your online banking session will end and you will be required to login again however personal information may remain visible after that time. To ensure your information remains private you should always logout of online banking to end your session.
Access to our databases is strictly managed and systems are in place to ensure security is not breached, including the physical security of our computer hardware and communications.
For more information on the specific policies and practices that we use to safeguard your personal and financial information, please view the Privacy Online section.