A TRADITION OF RESPECT FOR MEMBER 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.
Lafleche Credit Union's 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.
To find out more, contact our Privacy Officer:
P.O. Box 429 Lafleche, SK S0H 2K0
Your Personal Information
The 10 Principles
The Privacy Officer
Email Security Clause
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
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.
How can you access and verify your personal information?
You have the right to review your personal information held by Lafleche Credit Union and verify its accuracy. To gain access to this information, contact us at (306) 472-5215.
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
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 implied 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
- 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.
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.
Our Privacy Officer can be contacted at (306) 472-5215.
Depending upon the sensitivity of the information, you can provide us with your consent in writing, electronically or
We will obtain your consent in writing when you become a credit union member or when you apply for a new credit union
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.
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 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 receive a form, please contact us at (306) 472-5215 or click here to view/print the PDF version.
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.
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
Lafleche 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 Lafleche Credit Union web site. Transmission of this referring address allows
other sites to monitor their own web traffic, but does not disclose any personal information about you.
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.
Our privacy officer can be reached at (306) 472-5215.
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.
EMAIL SECURITY CLAUSE
General email is not secure since it passes through many points on its route from you to us. If you are using general email
to communicate with us, we strongly recommend that you do not include personal financial information (such as account
numbers) within the email as we cannot guarantee its confidentiality on route to us.
When you email us your comments, questions or instructions, you provide us your email address and we use it to
correspond with you. We then store your email and our replies to you so that we can refer to them in the future. By sending
us information or material, you grant to us an unconditional, irrevocable license to use those materials or information and
you acknowledge that we may use any ideas, concepts or techniques that you send to us for any purpose, without compensation.
We will not provide your email addresses to any third party without your consent. We may use your email address to send
you information about financial products and services that we think may be of interest to you. If you do not want us to
contact you with product information by email, you may tell us so at any time and we will discontinue the practice.
We use a key web technology called cookies. A cookie is a small information token that sits on your computer. As you use
the site, cookies are passed back and forth between the server and your browser. While cookies can be used for a variety
Specifically, we use two kinds of cookies – session cookies and persistent cookies. A session cookie exists only for
the length of your browsing session and is deleted when you close your browser. A persistent cookie is a cookie that stays
on your computer after you close your browser. A persistent cookie may or may not expire on a given date.
We use a session cookie to maintain the integrity of your Internet session. With each page that you visit, the cookie
is passed back and forth between our server and your browser. We use the cookie to distinguish your session from the
many others that may be happening at the same time. Our session cookies never store any personal information, such as
your name, date of birth, or financial information such as your accounts and balances.
Most recent browser versions allow the user to set some level of control over which cookies are accepted and how your
browser uses them. Many browsers will allow you to accept cookies from only known, reliable sites that you select. If you
are concerned about cookies, we encourage you to upgrade your browser to a recent version and review the Help section of
your browser to learn more about its specific control features.