Our
Philosophy on Privacy
Credit
Unions in Canada have a long history of respecting the privacy
of their customers. As a co-operative financial institution,
we are committed to developing policies, procedures and service
offerings that address privacy concerns.
We
continue to protect your privacy and your right to control
the collection, use and disclosure of your personal information.
We have procedures in place that guide our employees and directors
in maintaining confidentiality. What has been our ongoing
business practice has become our documented commitment to
you.
St.
Mary’s Credit Union Board of Directors has adopted the
Credit Union Code for the Protection of Personal information,
established related Policies and Procedures and appointed
a Privacy Officer. Our employees understand the importance
of the policies and procedures and follow them carefully.
To
find out more, read our Privacy Code or contact our Privacy
Officer
Your
Personal Information
What
is Personal Information?
Personal
information is information about an identifiable individual.
This includes, for example, an individual’s race, ethnic
origin, colour, age, marital status, religion, education,
medical information, criminal record, employment history,
financial records, address, telephone number, e-mail address,
Social Insurance Number, fingerprints, blood type, and tissue
or biological sample.
Why
do we collect it?
We
hold personal information about members to help us meet and
maintain the highest standards of financial service. This
information can include your name, address, age, income, use
of accounts and credit history.
We obtain this information from you directly, and from the
product and service arrangements you have made with or through
us. Information is also obtained with your permission from
credit bureaus, other financial institutions and from the
references you provide us.
Your
personal information is collected for one or more of the following
purposes:
-
To understand your needs and eligibility for products and
services;
- To
open, maintain and administer your accounts and provide
financial services that meet your needs;
- To
obtain credit reports and evaluate your credit rating and
credit worthiness;
-
To administer and manage security and risk in relation to
your accounts and the financial services provided to you;
- To
comply with legal and regulatory requirements;
- To
assist in dispute resolution;
- To
offer and provide you with other products and services of
the Credit Union and of its affiliates and service suppliers
The
law requires us to ask for your Social Insurance Number (SIN)
when you open an interest bearing account. We also ask for
your SIN to identify you with credit bureaus and other financial
institutions for credit matching purposes. Using the SIN is
the best way to ensure the credit information actually refers
to you. Giving us your SIN is not a condition on service.
Who
do we share your personal information with?
We
use trusted and reputable suppliers to provide cheque and
statement printing, data processing, research and payment
clearing services. We provide them with only that information
which is necessary to perform the required services. They
are not allowed to use this information for any other purpose
than what we contract them for. Our suppliers and their employees
are required to protect your information in a manner that
is consistent with our Privacy Code.
Your
information is sometimes shared within the Co-operative Financial
Services Group ™ of companies so we can offer you a
full range of financial products and services. These affiliates
include: Credit Union Members Insurance Society (CUMIS), Credential
Group, Co-operative Trust Company of Canada, The Co-operators
Insurance, Credit Union Payment Services (CUPS), CUETS and
Celero Solutions. Any product or service offering that is
derived from this sharing of information comes directly from
us and not from our affiliates.
Click
here for a complete list of our service suppliers, which has
been organized according to the following categories:
| a. |
Regulators
– Government institutions that regulate
a credit union |
| b.
|
Law
Firms/Auditors – Organizations retained
by a Credit Union to provide legal or accounting services,
but who may receive disclosure of personal information
in the course of their retainer |
| c. |
Processors
– Organizations that perform an information processing
function for a Credit Union under contract |
| d. |
Payees
– Organizations to whom a Credit Union may make
payment on behalf of a member |
| e. |
Government
– Government institutions to whom personal information
may be disclosed |
| f. |
Employee
Organizations – Organizations in respect
of which employees of a Credit Union may belong or be
otherwise associated |
| g. |
Affiliates
– Organizations that are affiliated with a Credit
Union as part of the Canadian Credit Union System |
| h. |
Exempt
– Organizations to whom disclosure of personal information
is exempt under PIPEDA the the regulations passed under
PIPEDA |
| i. |
Third
Parties – Organizations that do not specifically
fall within any of the foregoing categories but to whom
a Credit Union may disclose personal information in the
course of the Credit Union’s business activities
|
The
10 Principles
How
can you access and verify your personal information?
You have the right to review your personal information held
by St. Mary’s Credit Union and to verify its accuracy.
To gain access to this information, contact our Privacy Officer,
Dan Leblanc at 1515 20th Street West, Saskatoon, SK S7M 0Z5
or e-mail dan.leblanc@stmarys.cu.sk.ca.
You can expect that it may take up to 30 days for us to gather
the information.
The
following is a summary of the 10 Principles of the Credit
Union Code for the Protection of Personal Information:
- Accountability:
We have designated a Privacy Officer who is accountable
for our compliance with the principles of this Code.
- Identifying
Purposes: When we ask you for personal information,
we will identify the purposes for which it will be used
or disclosed.
- Consent:
We require your knowledge and express or complied consent
for the collection, use or disclosure of personal information.
- Limiting
Collection: The collection of personal information
is limited to the purposes we have identified for you.
- Limiting
Use, Disclosure and Retention: We will use or disclose
your personal information only with your express or implied
consent, or as required by law. We will retain your information
for only as long as is necessary to fulfill identified purposes.
- Accuracy:
We will keep your information accurate, complete and up-to-date
as is necessary for the purposes for which it is to be used.
- Safeguards:
We will protect your personal information with appropriate
security safeguards.
- Openness:
We will make specific, understandable information readily
available to you about our personal information policies
and practices.
- Individual
Access: When you request it, we will give you access
to your personal information, how we use it and who we disclose
it to. You are entitled to question its accuracy, its completeness
and the uses.
- Challenging
Compliance: You are entitled to question the Privacy
Officer about our compliance with any of these principles.
Privacy
Code
Confidentiality
At
St. Mary’s Credit Union, our goal is to serve members
as efficiently and conveniently as possible. In order to provide
you with this high level of service and extensive range of
products, it may be necessary for us to obtain certain personal
information in addition to your name and address. Please be
assured that St. Mary’s Credit Union is dedicated to
protecting your privacy and the security of any information
you provide.
We
do not disclose, sell or lend any information about you to
any other source for any reason with the exception of that
required by law or third party related agencies requiring
information for the purposes of such things as cheque printing,
data processing, credit collection, credit bureaus, card production,
etc. If you have any concerns with respect to how your information
will be used, please do not hesitate to contact us.
Privacy
Statement
St.
Mary’s Credit Union is committed to protecting the personal
information of credit union members, employees and other individuals.
In order to protect all personal information collected, used
or disclosed by St. Mary’s Credit Union, we have adopted
the Credit Union Code for the Protection of Personal Information.
On
our web site, we only collect personal information required
to improve the services we offer, to improve our site content
and, with your permission, to contact you with information
about our services. We will not share any personal information
obtained on this web site with any other organization without
your express knowledge and consent.
For
more information on our web site Privacy Statement, please
read below.
Information
we collect on our site
You
can visit all public areas of our site without providing any
personal information about yourself. Our web site collects
only non-personal information based on a visitor’s Internet
Protocol (IP) address (this is not personally identifiable).
Information collected includes the date and time of visit,
the type of Internet browser used to access the site, the
referring address (the link a visitor uses to access the site).
This data is used to create statistics on site usage and improve
online services.
St.
Mary’s Credit Union’s internal web site is solely
for the use of authorized members of Boards, Committees, Management
and Staff of the Credit Union. Access requires a special “User
Name” and “Password”. Personal information
that is collected on this internal web site is used solely
for security and site management purposes and to facilitate
business functions of St. Mary’s Credit Union.
Will
a cookie be set on my computer when I visit this site?
To
help us manage our web site, we set a cookie on your computer
that expires when you close your web browser.
If you send us an e-mail, any information provided by you
will only be used for the purposes of responding to your inquiry
or acting on your request. We will not use your name or e-mail
address for any other purposes without additional consent.
Links
to other web sites
Our
web site contains links to other web sites that are part of,
affiliated with, or have a business relationship with St.
Mary’s Credit Union. When you leave our site to visit
one of these other sites, the only information transferred
to the new site is the fact that you came from the St. Mary’s
Credit Union web site (http://www.stmaryscu.com).
Transmission of this referring address allows other sites
to monitor their own web traffic, but does not disclose any
personal information about you.
How
do I contact St. Mary’s Credit Union with questions
or concerns?
We
welcome any questions or concerns about our Internet Privacy
Statement, or the practices of this site. Please contact us
by e-mail
or in writing at the following address:
Dan
Leblanc, Privacy Officer
St. Mary’s Credit Union
1515 20th Street West
Saskatoon, Saskatchewan S7M 0Z5
Notice:
St.
Mary’s Credit Union reserves the right to amend its
Internet Privacy Statement and its Privacy Code at any time
with or without notice. Please check this page periodically
for changes.
The
Privacy Officer
The
Privacy Officer
is your point of contact if you wish to raise any matters
regarding the use of your personal information.
The
Privacy Officer is responsible for monitoring information
collection and data security, and ensures that other credit
union employees receive appropriate training on privacy issues
and their responsibilities under the Code. The Privacy Officer
also handles all privacy inquiries and personal information
access requests under the Code.
Your
Consent
Depending
upon the sensitivity of the information, you can provide us
with your consent in writing, electronically or verbally.
We
will obtain your consent in writing when you become a credit
union member or when you apply for a new credit union service
offering.
We
may possess personal information about you that we collected
prior to implementation of our Privacy Code, for which we
do not have your express consent to use. We will continue
to use that information for the purposes listed here, unless
you ask us to stop using that information. This is considered
implied consent.
We obtain or use your information only with your consent.
We do not sell it to third parties or use it in any way we
have not told you about. We obtain your consent before we:
-
obtain credit reports or check references;
- contact
you about other products or services of the credit union
by direct mail, e-mail or telephone;
- share
your information with our affiliates so that we can offer
their products and services to you;
- disclose
your information to third parties unless we are obliged
to do so by law or it is required for us to provide our
financial services to you.
The
following withdrawal of consent form provides you with an
opportunity to omit the uses and disclosures of your personal
information should you choose to do so. You may limit or withdraw
your consent at any time, subject to legal or contractual
obligations. For example, your credit union is required by
law to provide a record of your interest earning information
to the Canada Customs and Revenue Agency.
To
withdraw your consent, print and fill out the Restriction
of Consent form and send it in to St. Mary’s
Credit Union’s Privacy Officer at:
Dan
Leblanc, Privacy Officer
St. Mary’s Credit Union
1515 20th Street West
Saskatoon, Saskatchewan S7M 0Z5
Phone: 306-382-117
Fax: 306-382-7600
E-mail: dan.leblanc@stmarys.cu.sk.ca
Website: http://www.stmaryscu.com/
Website
Privacy Policy
On
our website, we collect only personal information that is
required to improve the services we offer, to improve our
site content and, with your permission, to contact you with
information about our services. We will not share any personal
information obtained on this web site with any other organization
without your express knowledge and consent.
You
can visit all public areas of our site without providing any
personal information. Our site collects only non-personal
information based on a visitor’s Internet Protocol (IP)
address (this is not personally identifiable). Information
collected includes the date and time of visit, the type of
internet browser used to access the site, the referring address
(the link a visitor uses to access the site). This data is
used to create statistics on site usage and improve online
services.
If
you send us an e-mail, any information provided by you will
be used only for the purposes of responding to your inquiry
or acting on your request. We will not use your name or e-mail
address for any other purposes without additional consent.
Links
to other websites
Our
website contains links to other web sites that provide general
information or are part of, affiliated with, or have a business
relationship, with St. Mary’s Credit Union. When you
leave our site to visit one of these other sites, the only
information transferring to the new site is the fact that
you came from St. Mary’s Credit Union’s web site
(http://www.stmaryscu.com/).
Transmission of this referring address allows other sites
to monitor their own web traffic, but does not disclose any
personal information about you.
Challenging
Compliance
If
you have any concerns about how your personal information
is handled or distributed, please contact us. Our Privacy
Officer will be pleased to discuss your concerns with you.
For
inquiries or complaints, please provide the following in a
dated and signed letter:
- the
nature of the inquiry or complaint (please be as specific
as possible);
- include
your name, address, and a telephone number where you can
be reached during the daytime.
Please
contact us in writing at: 1515 20th Street West, Saskatoon,
SK S7M 0Z5
If,
for any reason, you feel your concerns were not appropriately
addressed, you may then take the matter to the Office of the
Privacy Commissioner in Ottawa.
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