Changes
to Financial Services Agreement
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.
The
Prairie Pride 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.
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 GroupTM 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.
For a complete list of our suppliers please contact our Privacy
Officer
How Can You Access and Verify Your Personal
Information?
You have the right to review your personal information held
by Prairie Pride Credit Union and to verify its
accuracy. To gain access to this information,
contact us at one of our branch locations or fill
out the Access
Request Form. You can expect that it will take
30 days for us to gather the information. You will
be charged a fee of $40/hr to cover the expense of
providing you with the information.
Should you discover upon review of your personal
information that changes are required, please inform
us.
The 10 Principles
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 the 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 its uses.
-
Challenging
Compliance You
are entitled to question the Privacy Officer
about our compliance with any of these
principles.
Privacy
Code
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.
For information, questions or concerns on credit union
privacy issues contact:
Bob Wolensky, Privacy Officer
Prairie Pride Credit Union
Box 37
Alameda, Sask.
S0C 0A0
Phone:(306) 489-6250
Fax: (306) 489-2188
email: bob.wolensky@prairiepride.cu.sk.ca
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 above, 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, email 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 limit 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 form below
and send it in to:
Bob Wolensky, Privacy Officer
Prairie Pride Credit Union
Box 37
Alameda, Sask.
S0C 0A0
Withdrawal of Consent
If you wish to withdraw consent for us to use your personal
information please print off and fill out the form
below and return it to your nearest branch or mail
it to the address listed above.
Withdrawal
of Consent Form
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 web site contains links to other web sites that are part
of, affiliated with, or have a business relationship
with Prairie Pride 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 Prairie Pride Credit Union
web site www.prairiepridecu.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 or fill
out our Access
Request Form. Our Privacy Officer will be
pleased to discuss your concerns with you.
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.
