Online Policies

Privacy Code Expand/Collapse

We follow the 10 Principles of the Credit Union Code for the Protection of Personal Information:

  • Accountability - We have designated a Privacy Officer who is accountable for our compliance with the principles of the Code.
  • Identifying Purposes - When 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 express or implied consent for the collection, use or disclosure of personal information.
  • Limiting Collection - The collection of personal information is limited to the purposes we have identified for you.
  • 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.
  • 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.
  • 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 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.
  • Challenging Compliance - You are entitled to question the Privacy Officer about our compliance with any of these principles.

See our Protecting Your Privacy brochure PDF Document for additional details.

    Privacy Officer Expand/Collapse

    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 can be contacted at:
    Privacy Officer
    Innovation Credit Union
    P.O. Box 1090 198 1st Ave NE
    Swift Current, SK
    S9H 3X3
    Telephone: 1.866.446.7001
    Email: privacyofficer@innovationcu.ca

    Privacy Online Expand/Collapse

    This information page describes in general terms how your personal information is collected and used within the online banking section of our site. The online banking area of the site is the area of our website that requires you to use your Member ID and Personal Access Code (PAC) to enter.

    Controlled Access to your Information

    To ensure that you are the only person accessing your personal financial information, we restrict access to the online banking section of the site by requiring that you enter your Member ID and PAC to login. Only you know your PAC. Our employees do not have access to your PAC, and they will not ask you to reveal it. If someone does ask you to provide your PAC to them, we ask that you refuse to do so and contact us immediately.

    Transactional Services

    By nature, our Internet banking site has many transactional functions such as transfers between accounts and bill payment functions. These transactions are all logged to ensure that your accounts are debited or credited appropriately, and a history of each transaction is available to verify your account information. We store and use your transactional information in the same fashion as if you performed the transaction at a branch or through any other service channel.

    We may also use transactional information for servicing your account — for example, billing you for the particular transactions that you perform, or for the services that you use.

    Creating a Secure Channel

    We create a secure channel between your browser and our server to protect your information when you use the site. To learn more about how we do this, .

    Application Forms

    To provide you with a convenient method for applying for loans and mortgages, or for purchasing other financial services products such as Registered Savings Plans, we may provide secure online application forms. These forms capture personal information that we use to provide you with the products and services you request. This information is processed in a similar way to application forms received through our other channels .

    Website Usage Statistics

    To continually improve our site, we often collect statistics about how our members are using it. These usage statistics are only viewed in the aggregate and are not associated with you as an individual. We use this information for purposes such as improving the pages where our members are having difficulties.

    The information collected may include your IP address, your browser type and your operating system, as well as data such as the number and types of pages visited, and the length of time spent per page and on the site overall.

    Our use of Cookies

    We also use a key web technology called cookies. A cookie is a small information token that sits on your computer. As you use this site, cookies are passed back and forth between our server and your browser.

    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 online banking 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, or date of birth, or financial information, such as your accounts and balances.

    Most recent browser versions allow you to set some level of control over which cookies are accepted and how your browser uses them. For example, it may be set to notify you when it is receiving a cookie so that you accept cookies from only known, reliable sites such as this one. 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.

    Memorized Accounts Feature

    We use a persistent cookie to store information to help you personalize the site and to make it easier to use. For example, we allow you to make the login easier by remembering your login information within our Memorized Accounts feature. Since the Memorized Accounts feature is optional, this cookie only contains information that you have entered into it. We never store your Personal Access Code (PAC) in a cookie.

    Logout Button

    To ensure that no-one else can access your personal information, always use the logout button to end an online banking session. It is located at the top of every page. When you exit using the logout button, we delete your session cookie so that your session cannot be resumed unless your Member ID and PAC are re-entered.

    Automatic Session Time-outs

    In the event that you leave your computer without logging out, the online banking feature of this site has been designed to end your session automatically if our system detects that you haven't provided any instructions or used the browser buttons to navigate for several minutes. To restart the session, you will need to provide your PAC again.

    Email

    To communicate with us electronically, we strongly recommend that you use our Contact Us feature. This feature provides a secure channel for sending us comments, questions or instructions.

    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 en 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 in case we correspond further.

    Links to Other Sites

    Our site may also contain links to other websites or Internet resources. As an example, from time-to-time we may provide links to Microsoft or Netscape to assist you in upgrading your Internet browser. However, we have no control over these other websites or Internet resources and do not control their collection, use and disclosure of your personal information. Always review the Privacy Statements of the sites that you are viewing.

    Contact Us

    We welcome any questions or concerns about your privacy relating to use of our website. Please use the Contact Us form to submit your questions or comments.

    As we continue to expand our online banking service to serve you better, and as new Internet technologies become available, we may update the information on this page at any time, to reflect changes.

    Additional Questions?

    If you have any additional questions about your Privacy that isn't covered in our brochure, please feel free to contact us.

    Contact us


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