Our Philosophy on Privacy

Credit unions in Canada have a long history of respecting the privacy of their customers. 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.

Quill Lake Credit Union's 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.


Your personal information


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, e-mail 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 Union 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 on 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 the Co-operative Financial Services GroupTM of 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, Co-operative Trust Company of Canada , The Co-operators Insurance, Credit Union Payment Services (CUPS), CUETS and Celero Solutions. 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 Quill Lake Credit Union and to verify its accuracy. To gain access to this information, contact us at (306)-383-4155.


The 10 Principles


The following is a summary of the 10 Principles of the Credit Union Code for the Protection of Personal Information.


1. Accountability We have designated a Privacy Officer who is accountable for our compliance with the principles of the Code.


2. Identifying Purposes When 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 express or implied consent for the collection, use or disclosure of personal information.


4. Limiting Collection The collection of personal information is limited to the purposes we have identified for you.


5. 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.


6. 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.


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 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.


10. Challenging Compliance You are entitled to question the Privacy Officer about our compliance with any of these principles.


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.

To find out more, contact our Privacy Officer:

                        Name:                      Maureen Nieth
                        Address:                 Box 520, Quill Lake, SK, S0A 3E0
Phone Number:   (306) 383-4155