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Prairie Pride Credit Union Privacy Policy


Access Request Form

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 $50/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.

  1. Accountability
    Prairie Pride Credit Union is responsible for personal information under its control and shall designate a Privacy Officer who is accountable for the credit union's compliance with the principles of the Code.
  2. Identifying Purposes
    The purposes for which personal information is collected shall be identified by the credit union at or before the information is collected.
  3. Consent
    Where clearly in the interests of the Member, the knowledge and consent of the Member are required for the collection, use, or disclosure of personal information, except in specific circumstances as described within this code.
  4. Limiting Collection
    The collection of personal information shall be limited to that which is necessary for the purposes identified by the credit union. Information shall be collected by fair and lawful means.
  5. Limiting Use, Disclosure, and Retention
    Personal information will not be used or disclosed for purposes other than those for which it was collected, except with the consent of the Member or as required by law. Personal information shall be retained only as long as necessary for the fulfilment of those purposes.
  6. Accuracy
    Personal information shall be as accurate, complete, and up-to-date as is necessary for the purposes for which it is to be used.
  7. Safeguards
    Personal information shall be protected by security safeguards appropriate to the sensitivity of the information. The credit union shall apply the same standard of care as it applies to safegaurd its own confidential information of a similar nature.
  8. Openness
    The credit union shall make readily available to members specific, understandable information about its policies and procedures relating to the management of personal information.
  9.  Individual Access
    Upon request, a Member shall be informed of the existence, use, and disclosure of their personal information, and shall be given access to that information. A Member is entitled to challenge the accuracy and completeness of the information and have it amended as appropriate. Note: In certain situations, the credit union may not be able to provide access to al the personal information it holds about a member. Exceptions tot he access requirement will be limited and specific.
  10. Compliance
    A Member shall be able to question compliance with the above principles to the credit union’s Privacy Officer. The credit union will have policies and procedures to respond to the Member’s questions and concerns.
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:

Dean Copeland, Privacy Officer
Prairie Pride Credit Union
Box 37
Alameda, Sask.
S0C 0A0
Phone:(306) 489-6250
Fax: (306) 489-2188
E-mail: dean.copeland@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:
 
Dean Copeland, Privacy Officer
Prairie Pride Credit Union
Box 37
Alameda, Sask.
S0C 0A0


Withdrawl 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
 
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