Privacy Code

Privacy Statement

On January 1, 2004 new privacy laws governing credit unions and other businesses came into effect.

Credit unions in Canada have a long history of respecting the privacy of their members. As a member owned financial institution, we are committed to maintaining policies, procedures and service offerings to protect your privacy.

Our commitment means we will protect your privacy and respect your right to have a say in how we use and disclose your personal information. We have procedures in place that guide our employees in maintaining confidentiality. What has been our ongoing business practice has become our documented commitment to you.

In order to comply with new privacy laws, 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 age, marital status, religion, education, medical information, employment history, financial records, address, telephone number, email address, and Social Insurance Number.

 

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 us. Information is also obtained with your permission from credit bureaus, other financial institutions and from the references you provide us.

Your personal information may be collected, used or disclosed for one or more of the following purposes:

  • To meet regulatory and legal requirements
  • To establish your identification
  • To protect you from illegal activity
  • To determine the suitability of products and services to you, and your eligibility for products and services (including determining your eligibility for credit on an ongoing basis with other credit suppliers and credit reporting agencies)
  • To operate and administer products and services which you have requested, including providing information to related service providers involved in the operation and administration of those services on behalf of us
  • To provide you with information or advice on products and services that may be of interest to you (whether you currently have a product or service with us)
  • To conduct research to assist us in designing and determining products and services that may be of interest to you, and to obtain your feedback on current products and services
  • To disclose information to third parties in connection with the ongoing management of our assets (including the assignment or sale of loans), and the further subsequent collection, use or disclosure of that information by those third parties and any of their agents or assignees for the purpose of managing those assets

(A related service supplier is a third party supplier of financial services available through your credit union. We only deal with suppliers that have agreed to meet our standards of privacy protection).

Your SIN

The law requires us to ask for your Social Insurance Number (SIN) when you open an interest bearing account. We may 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, however you may withdraw your consent and still obtain loans from us.

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 only provide them with information that 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.

How can you access and verify your personal information?

You have the right to review and verify your personal information held by Quinte First Credit Union. To gain access to this information, contact your branch manager. It will take up to 30 days for us to gather the information. Should you discover upon review of your personal information that changes are required, please inform us.

Your consent

Before we collect, use, or disclose your personal information we will obtain your consent to the purposes that we ordinarily use this information for to provide you service.
We will obtain your consent in writing when you become a credit union member, or if we need information for a new purpose.

If you are currently a member, 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 information for a specified purpose.

From time to time we may also rely on your implied consent to collect, use or disclose personal information, but we will only do this in cases where it is reasonable to assume your consent in connection with a service you are using.

We do not sell your personal information to third parties, or use it in any way we have not disclosed to you.

Website privacy policy

On our website, we only collect 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 website 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 email address for any other purposes without additional consent.

Links to other web sites

Our website contains links to other websites that are part of, affiliated with, or have a business relationship with Quinte First 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 Quinte First Credit Union website (the referring address). 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 your branch manager. If you still have concerns, please contact our Privacy Officer in writing.

Privacy Officer
c/o Quinte First Credit Union Limited
293 Sidney Street
Belleville, Ontario
K8P 3Z4

 

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