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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.
Your 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 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.
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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 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.
For a complete
list of our service suppliers, contact Raymore Credit Union.
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How
can you access and verify your personal information
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 complete
instructions on this "Inquiry
or Complaint Document."
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
expense of providing you with the information.
Should you discover that changes are required to your personal information please contact us by either letter or phone.
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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.
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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.
Email: General Manager – Privacy Officer
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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 in this brochure, 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 attached form and send it in to:
Raymore Credit Union
General Manager – Privacy Officer
Box 460
Raymore, SK
S0A 3J0
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Restriction
of Consent
Click
here for printable version of the form.
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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.
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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 Raymore 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 Raymore Credit Union web site (www.raymorecu.com).
Transmission of this referring address allows other sites to monitor
their own web traffic, but does not disclose any personal information
about you.
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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.
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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Financial
Services Agreements
Click for
- Personal
Accounts
Click for - Business
Accounts
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©
Copyright 2002 Raymore Credit Union
Raymore, Saskatchewan CANADA
All rights reserved.
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