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 does Raymore Credit Union collect my personal information?
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 open, maintain and administer your accounts and provide financial services that meet your needs
- to understand your needs and eligibility for products and services
- 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
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 does Raymore Credit Union share my 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 Financial Inc., Concentra Financial Services Association, 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.
How can I access and verify my personal information with the Raymore Credit Union?
You have the right to review your personal information held by Raymore Credit Union and to verify its accuracy. To gain access to this information, contact us at (306) 746-2160 or email us at
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. You can expect that it will take 30 days for us to gather the information. You will be charged a minimum fee to cover the administration.
Should you discover that changes are required to your personal information please contact us by either letter or phone.
Why do you need my consent to use my information?
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 in order for us to provide our financial services to you
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, unless you ask us to stop using that information. This is considered implied consent.
How do I withdraw my consent?
If you are no longer a Raymore Credit Union member and you do not wish to use our products or services in the future, you may withdraw your consent for use of personal information. 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.
To withdraw your consent, print and fill out the Consent Withdrawal Form (PDF) and mail it to:
Raymore Credit Union
General Manager – Privacy Officer
Box 460
Raymore, SK
S0A 3J0
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