Site Usage Information
Raymore Credit Union gathers "site usage" information from all visitors to Raymore Credit Union web sites. Such data is used in the aggregate, to help determine general usage patterns and fine-tune layout to ensure that our sites are as useful and enjoyable as possible. This "site usage" and statistical information may be made public information at Raymore Credit Union's discretion. Please note that Raymore Credit Union does not control all HTML served in conjunction with its sites. Raymore Credit Union may include content from other parties that may perform user activity tracking other than that described herein. In particular, some of our partners may use "cookies" in ways that we do not.
Individual User Information
Individually identifiable information will not be released without that individual's prior consent. Visitors may be asked for individually identifiable information when signing up to use certain Raymore Credit Union services. In some instances, users may be asked for personal interest and demographic information in order to create a more customized user experience; however these fields will generally be optional. From time to time, Raymore Credit Union and/or its partners may contact individual users regarding community news or to make promotional offers.
Raymore Credit Union reserves the right to access and disclose individually identifiable information to comply with applicable laws and lawful government requests, to operate its systems properly or to protect itself or its users. Where practical, Raymore Credit Union will attempt to obtain the prior consent of the individual prior to disclosing individually identifiable 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 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 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 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.
•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
The Raymore Credit Union Privacy Officer is your point of contact if you wish to raise any matters regarding the use of your personal information. Responsible for monitoring information collection and data security, the Privacy Officer also 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. These guidelines are to assist individuals that want to make a written access request, inquiry or file a complaint under the Privacy Act. Please provide the following information in a dated and signed letter:
•The nature and description of the request, inquiry or complaint (please be as specific as possible)
•Your name, address, and a telephone number where you can be reached during the daytime; and
•The location address where you would like to obtain access to the information (for example, the office of an affiliated organization or the offices of the Credit Union).
Please note that you must produce at least two pieces of identification bearing a signature, one of which should include photo identification and a birth date in order to obtain the information requested. Access requests, inquiries or complaints should be mailed to: Raymore Credit Union
Email: Privacy Officer
Privacy Philosophy and Code
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. At Raymore Credit Union, our employees understand the importance of the policies and procedures and follow them carefully. The Raymore Credit Union adheres to these 10 Principles for the Protection of Personal Information:
1. Accountability: We have designated a Privacy Officer who is accountable for our compliance with the principles of the Code.
2. Identifying Purposes: When we ask you for personal information, we will identify the purposes for which it will be used or disclosed.
3. Consent: We require your knowledge and express or complied consent for the collection, use or disclosure of personal information.
4. Limiting Collection: The collection of personal information is limited to the purposes we have identified for you.
5. 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.
6. 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.
7. Safeguards: We will protect your personal information with appropriate security safeguards.
8. Openness: We will make specific, understandable information readily available to you about our personal information policies and practices.
9. 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.
10. Challenging Compliance: You are entitled to question the Privacy Officer about our compliance with any of these principles.
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. 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.