Our Commitment to Privacy
Caisse Financial Group (‘Caisse’) is committed to protecting the personal information of our members, employees and other individuals. In order to protect all personal information collected, used or disclosed by Caisse Financial Group, we have adopted a Code for the Protection of Personal Information, related policies and procedures and appointed a Privacy Officer.
You are entitled to review the Code at any time, access your personal information or contact the Privacy Officer about a privacy issue or concern.
Caisse Financial Group reserves the right to amend its Privacy Statement and Privacy Code at any time with or without notice. Please check this page periodically for changes.
400 – 205 Provencher Boulevard
Ph: (204) 237-8988 ext. 1041
Fax: (204) 233-6405
The 10 Principles of Our Privacy Code
Here is a summary of the 10 Principles of our Privacy Code for the Protection of Personal Information. If you would like to receive a complete copy of the Code, please contact us.
- Accountability: We have designated a Privacy Officer who is accountable for our compliance with the principles of the Code.
- 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.
- Consent: We require your knowledge and consent for the collection, use, or disclosure of personal information.
- Limiting Collection: The collection of personal information is limited to only the purposes we’ve identified to you.
- Limiting Use, Disclosure and Retention: We will only use or disclose your personal information with your consent (or as required by law). And we will only retain your information as long as necessary to fulfill identified purposes.
- Accuracy: We will keep your information accurate, complete and up-to-date.
- Safeguards: We will protect your personal information with appropriate security safeguards.
- Openness: We will make specific, understandable information readily available to you about our personal information policies and practices.
- 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.
- Challenging Compliance: You are entitled to question the Privacy Officer about our compliance with any of these principles.
Our Privacy Code Protects your Personal Information
Your Personal Information
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, as well as the relationship of others linked to you in account services.
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 from credit bureaus, other financial institutions and from the references you provide us.
We Only Collect What We Need
We only collect personal information from you for the following purposes:
- To understand your needs and to develop, offer and manage products and services that meet those needs
- To determine the suitability of, and your eligibility for, member products and services
- To evaluate your credit standing and to share or exchange reports and information with credit reporting agencies
- To detect and prevent fraud, and to help safeguard the financial interests of the Caisse and its members
- To meet legal and regulatory requirements
We have security safeguards and standards in place to protect your information against unauthorized use and access. Your information is retained for as long as required and then destroyed.
We May Ask Others For Information About You
Most information is obtained directly from you, but with your consent, we may ask a third party for information about you. For example, if you are applying for a loan, we may contact the credit bureau for information about your credit history.
We May Share Information
To provide you with a service, we may release information about you to our affiliates and other financial service partners. For example, if you are requesting to have your personal information printed on your cheques, we must provide the cheque production company with the information.
Some of our affiliates and financial service partners include: Visa Collabria, Desjardins Financial Security, Credit Union Members Insurance Society, Credential Asset Management and others.
Limiting Your Consent
If you wish to limit your consent, you can obtain the Privacy Exception Form at your branch. This form provides you with an opportunity to limit the uses and disclosures of your personal information. You can mail, fax or personally return it to us.
Note: You can limit or withdraw your consent at any time, subject to legal or contractual obligations. For example, Caisse Financial Group is required by law to provide a record of your interest earnings information to the Canada Customs and Revenue Agency.
Web Site Privacy
Information we collect on our website
On our website, we only collect personal information 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 website without providing any personal information about yourself. Our website 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.
To help us manage our website, we set a cookie on your computer that expires when you close your web browser.
If you send us an e-mail, any information provided by you will only be used 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 websites that are part of, affiliated with, or have a business relationship with Caisse Financial Group. 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 our 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.
Protecting Your Privacy over the Internet
Whenever you receive a temporary password, we strongly encourage you to change it, as soon as possible, to a confidential and private password that only you know. When changing passwords, you should avoid anything that includes information someone else knows or has access to, such as birth dates, addresses, numbers found in your wallet or words associated with you. Your passwords are private and absolutely no one has the authority to obtain them from you at any time, including Caisse staff or officials. Do not tell anyone your password and do not use the same password on different sites.
Websites often collect non-personal information in small text files called “cookies” when you enter the sites. Some sites will place a cookie on your system so you don’t have to identify yourself by entering a password each and every time you visit a site. Caisse uses session cookies on its sites, which are only stored for the length of time you are in the site and are used only to provide easier access while there. They are not used to identify users or to track usage. If you use the browser’s option of saving a password, it will be saved in a cookie.
We require that 256-bit encryption be used when conducting financial transactions over the Internet. While every effort is made, through the use of industry recognized security standards, to continually protect personal information from misuse and alteration, Caisse Financial Group and its affiliates do not guarantee the security of your information over the Internet. If your browser does not support 256-bit encryption, you will have to download and install a version of your browser that supports it.
Always logout of any site where you have viewed or sent personal or financial information. For added security and privacy, clearing your browser’s cache at the end of every online session is a good habit to get into. The purpose of caching is to make your browser more efficient by eliminating the need for it to reload previously viewed pages every time you visit. However, it also allows anyone to view those pages. You can clear your cache by deleting items in the Temporary Internet Files folder in your file manager or through the browser itself.
When you forward an email to the Caisse, we recommend that you use caution and do not include confidential information in those messages, as emails are not encrypted. Email is very similar to that of a post card and along the way someone can read every word that has been written.
Upon receipt of your email, we may store your correspondence and exact email address for future communications directly with you. Under no circumstances do we sell email addresses or share them with any other party.
In most cases, privacy issues can be resolved by contacting your branch. However if a problem is not resolved to your satisfaction, you can contact the Privacy Officer at Caisse Financial Group by either mail, email, phone, fax or in person.
The Caisse 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 Caisse staff receive appropriate and ongoing 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.
Ultimate responsibility for compliance with our Privacy Code rests with the Board of Directors of Caisse Financial Group.