The Credit Union is committed to protecting your privacy by keeping your personal information accurate, confidential, and secure during collection, use, and disclosure.
Privacy legislation sets the rules for how we can collect, use, and disclose your personal information.
Personal information means information about an identifiable individual. This can include information such as your name, home address, telephone number, birth date, email address, and social insurance number. It can also include financial information such as your bank account number, credit rating, or income. Personal information can be collected in several ways, including through our forms, documents that you provide, or our online banking system. We keep all the personal information that we collect securely protected in physical and electronic files.
We have comprehensive privacy guidelines and processes based on these principles that govern how and why we collect, use, and disclose your personal information. Our Privacy Officer can give you more information about our guidelines and processes (see the contact details at the end of this brochure).
At the time that we collect your personal information, we will tell you why we are collecting it and how it will be used and disclosed. This information will be included in the form we use to request and record your consent. We will only collect as much personal information as we need to meet the stated purposes, and we will only use and disclose your personal information for the same purposes.
If we wish to use and/or disclose your personal information for a purpose that is not required for a product or service you request, such as marketing, we will ask for your express consent* before proceeding to use your information in this way.
*Express consent is when you clearly accept the terms of a consent request.
We are required by law to obtain your SIN to report interest on your deposits, dividends on your shares, and other investment income to the Canada Revenue Agency. Use of your SIN for any other purpose is optional, and you have the right to refuse your consent. However, allowing us to use your SIN for administrative purposes can help us keep your records separate from other individuals with the same name. And if you apply for credit products or credit-related services, allowing us to use your SIN to verify your identity will ensure that we obtain your full personal credit report and not one belonging to someone else.
We need to be able to use and disclose your personal information to be able to provide you with the products and services you request and to run the Credit Union effectively.
We use your personal information to
We may send you communications by commercial electronic message where you have provided your express consent to this. These are messages sent by electronic means, including email, voice, sound, text, or image, and must meet certain legal requirements. Detailed information about how we use your personal information will be provided at the time that we ask for your consent to such uses.
We will disclose your personal information to various parties, such as participants in the payment and clearing systems, and third-party product and service providers.
Third-party product and service providers can include the following:
Except as permitted or required by law, we will only disclose your personal information to be able to provide you with the products and services you request and to allow us to effectively run the Credit Union.
We are responsible for all personal information we collect from you, even if it is disclosed to another party. We will ensure that any other parties that hold your personal information have safeguards in place to protect your personal information. In addition, we will only deal with reputable organizations. If you have accounts that are joint with other persons, any or all of your personal information may be disclosed to all joint account holders.
We keep your information only for as long as we need it to
We will securely destroy, dispose of, or anonymize your personal information when it is no longer needed or serving any of the purposes outlined above.
The personal information we hold about you will be accurate and complete as of the date you provide it. You can request access to see your personal information. If you think any of your personal information is wrong, you can ask that we correct it. If you want to see and/or correct your personal information, please contact an employee or our Privacy Officer.
You will need to provide as much information as you can to help us process your request, such as dates, account numbers, and any other details that can help us track down the information you require. More information about the request process, including time limits for providing our response and any fees, if applicable, will be provided at the time you make the request.
If you want to see a copy of your personal credit report, please contact a credit reporting agency. We can provide assistance if you need help contacting a credit reporting agency.
You can withdraw your consent for the collection, use, and/or disclosure of your personal information at any time, subject to legal and contractual restrictions, by providing written notice to us. We will comply with your request within a reasonable time.
If you withdraw your consent, we may not be able to
provide you with products and services that you currently have or request in the future. We will tell you of the consequences of withdrawing your consent before we process your request.
Please note that even if you withdraw your consent, we may have to retain your personal information for a period of time for legal or business purposes.
We will protect your personal information through a combination of physical, technological, and organizational measures, which can include secure storage, passwords, and encryption. Access to your personal information will be restricted to employees with the appropriate clearance level who need the information to do their jobs.
You may access your accounts with a Member Card® debit card, online banking, and/or mobile banking. To do so, you must use personal security codes that you choose. These security codes protect your accounts and your personal information from unauthorized access. It is your responsibility to protect your security codes.
The following tips can help you protect your accounts and personal information from unauthorized access:
When you visit our website and/or use online banking, our computer systems may record certain information in the form of cookies, such as which pages you visit, the time and date of your visit, and the IP address of your computer. We use this anonymous information to analyze and improve the performance of our website.
We recommend the use of Google Chrome, Firefox, Microsoft Edge as internet browsers.
If you have any questions, please contact our Privacy Officer.
Our Privacy Officer can answer your questions about personal information and privacy and provide you with information about our policies and practices. Our Privacy Officer can also help you complete an access to information request, help you correct your personal information, and try to resolve any concerns or complaints you have regarding our policies or practices.
Lake View Credit Union 800-102nd Ave
Dawson Creek, BC V1G 2B2
Ph: (250) 782-4871,