Our philosophy on privacy
Credit unions in Canada have a long history of respecting the privacy of their members. 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.
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, email 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 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 Unions 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 of 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 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, Concentra Financial, Thrive Wealth Management and Thrive Wealth Strategies Ltd., Credit Union Payment Services (CUPS), CUETS and SaskCentral. 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 Conexus Credit Union and to verify its accuracy. You may access, verify and update your personal information at any time. Simply contact us or visit the branch where your account is held.
How to contact us:
Online: submit a form here (please don't send sensitive financial and personal information)
We will respond to your request within 30 days or advise you if additional time is required.
Depending on the complexity of your request, we may also charge you for providing access to personal information. However, we will only do so after first advising you of the approximate cost.
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.
The Privacy Officer may be contacted at:
PO Box 1960 Stn Main
Regina, SK S4P 4M1
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 here, 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
Subject to legal and contractual requirements, you may change or withdraw your consent anytime. To change or withdraw your consent, contact the branch where your account is held or call us at 1-800-667-7477.
When you change or withdraw your consent, we will act as quickly as possible to make sure that our files are updated. It may take some time for our records to reflect the changes as many records can only be changed during regular updates.
On our web site, 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 email, 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.
Links to other websites
Our website contains links to other web sites that are part of, affiliated with, or have a business relationship with Conexus 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 Conexus Credit Union web site (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.
We use video surveillance on our premises for safety and security purposes. To the extent a video shows an identifiable individual, the video constitutes personal information. You may review any of your personal information contained in video form by contacting us as explained in this Privacy Code. We may also release your personal information to a government institution, without your consent, if we are the victim of property damage, or after a crime has been committed, to investigate a contravention of the laws of Canada, or to comply with a court order. Video recordings are generally retained for 90 days.
We use audio recordings for security, quality of service, and training purposes. The audio recording constitutes personal information. You may review any of your personal information contained in an audio recording form by contacting us as explained in this Privacy Code. We may also release your personal information to a government institution, without your consent, if we are the victim of property damage, or after a crime has been committed, to investigate a contravention of the laws of Canada, or to comply with a court order. Audio recordings are generally retained for 36 months.
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 you believe the issue hasn't been satisfactorily resolved, our Privacy Officer will provide you with information on other action you may take, which may include contact with our Board of Directors, the use of third party mediation, or directing your complaint to the Privacy Commissioner of Canada. At any time you may take the matter to the office of the Privacy Commissioner of Canada.
Office of the Privacy Commissioner of Canada
30 Victoria Street
Gatineau, Quebec K1A 1H3
Phone: (819) 994-5444