Privacy | The Credit Union

We C.U. so your privacy is protected.

Protecting your privacy has always been part of Ontario Civil Service Credit Union's business principles. Your credit union is committed to protecting your privacy and ensuring the confidentiality, accuracy and security of your personal information. Whether we collect, use, retain or disclose your personal information while conducting business, we will do our utmost to protect your privacy. We are also committed to the development of policies, procedures and services that respect and maintain your privacy rights.

We want to build a lasting relationship with you and understand your financial service needs. In order to provide you with products, services and advice, we require specific personal information. That information varies depending on the product or service you desire. Aside from your name, address and telephone number, this information can include your age, identification numbers (i.e. driver's license or social insurance number), use of accounts and credit history as well as the relationship of others linked to your account.

We obtain this information from you directly and from the product and service arrangements you have made with or through us.

Privacy Statement

Ontario Civil Service Credit Union (The Credit Union) may collect, use and disclose your personal information for the following purposes:

* to identify you
* to understand your needs
* to analyze the suitability of our products or services for you
* to determine your eligibility for products and services
* to develop, offer and manage products and services that meet your needs
* to provide you with ongoing service
* to help safeguard the financial interests of the credit union and its members
* to meet our legal and regulatory requirements
* to contact you directly for products and services available through the credit union or our business partners

The Credit Union may collect information from you, from product and service arrangements you have made with or through us, from credit bureaus and other financial institutions, and from the references you have provided us.

Your rights and choices about your personal information

The Credit Union will use your personal information to share ideas about products and services we feel may benefit you. If you would prefer not to receive further product information and instead are content to limit your personal information use to credit union products you currently possess, please let us know at any time by giving us a call at 1.888.516.6664 or 416.314.6772, sending us an email at privacy@mycreditunion.ca or mailing us a letter.

Using your social insurance number

When we obtain a report and update your information with a credit bureau, your Social Insurance Number (SIN) is the best way to make sure the information actually refers to you. Wrong information can lead us into making wrong conclusions about you when you request credit from us. You should be aware, though, that using your SIN this way is voluntary for you and if you choose not to give us your SIN, this by itself will not prevent you from getting credit. While the law requires us to ask for your SIN when you open an account, which earns income, we need to get your consent to use it in any other way.

You can withdraw your consent after you've given it

You can limit or withdraw your consent at any time, subject to legal or contractual obligations, by giving us reasonable notice and provided the consent does not relate to certain information required for credit arrangements as explained below.

If you have a loan, guarantee a loan or have some other credit arrangement with us, you may not withdraw your consent to our ongoing collection, use or disclosure of information about you in connection with such loan or credit arrangement during its term. You may not withdraw your consent to the ongoing disclosure of your personal information to credit bureaus, even after the loan or credit arrangement has been retired. This is necessary to help maintain the accuracy, completeness and integrity of the information held by credit bureaus.

The Privacy Officer is responsible for monitoring information collection and data security. The Privacy Officer must ensure that all credit union employees receives appropriate training on privacy issues and on their responsibilities under our Privacy Code. The Privacy Officer also handles all privacy inquiries and personal information access requests under our Privacy Code.

Privacy Code for the Protection of Personal Information

To give you some comfort around what we at your Credit Union believe, here is a summary of the 10 principles of our Privacy Code.

	1. Accountability
	We have appointed a Privacy Officer who is accountable for our compliance with the Principles of our Privacy Code.
	2. Identifying Purposes
	Before or at the time 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 consent for the collection, use, or disclosure of your personal information.
	4. Limiting Collection
	The collection of personal information is limited to the purposes we've identified to you.
	5. Limiting Use, Disclosure and Retention
	We will only use or disclose your personal information with your consent (or as required by law). We will retain your information only as long as necessary to fulfill identified purposes.
	6. Accuracy
	We will keep your information accurate, complete, and up-to-date.
	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 the existence, use and disclosure of your information. You are entitled to question its accuracy and completeness and its uses.
	10. Challenging Compliance
	You are entitled to question our Privacy Officer about our compliance with any of these principles.

Privacy Officer
If you would like a full copy of our Privacy Code, please contact our Privacy Officer by mail to any of our branches, by calling 1.888.516.6664 or 416.314.6772 or by sending us an email at privacy@mycreditunion.ca