Confidentiality

Responsibility for protecting personal information

Caisse populaire acadienne ltée and its subsidiaries (hereinafter "UNI") are subject to the Personal Information Protection and Electronic Documents Act. We take the confidentiality and security of our members and clients' personal information seriously and adopt all necessary measures to uphold the law in this regard.

By 'personal information,' we mean any factual or subjective information, recorded or not, about an identifiable individual.

 

Collection

The personal information we obtain about our members and clients is used strictly for the purpose of processing requests for quotes or inquiries about financial services or products submitted to us. This may include:

• Establishing and maintaining business relationships of trust with our members and clients and providing ongoing service
• Identifying our members and clients' needs and preferences
• Developing, expanding, selling or providing products and services
• Overseeing and developing our institution and its operations
• Meeting the requirements of laws and regulations.

We collect only the amount and type of personal information needed for the purposes documented by UNI and identified to our members and clients and never indiscriminately.

 

Use, disclosure and retention

All personal information that we collect is kept confidential. Only employees authorized to process inquiries or requests that concern the information provided are given access to this information. Except where required to provide a service you signed up for or to give effect to a court order, this personal information is never made public, sold or disclosed to third parties without your consent.

 

Consent

We do not divulge any of your personal information without your prior consent. You may also withdraw your consent at any time without exception. We ensure that you clearly understand what we are using your personal information for and use only direct means to obtain your consent. Your consent may be express, implied or provided by an authorized representative. However, in certain exceptional circumstances where required or permitted under law, we may use or disclose your personal information without your consent.

 

Online tools

Our website offers the use of simulators in relation to the offer of certain financial products. In practice, these are questionnaires used to collect information about you or your financial situation. This information is used to establish your savings, investment or other profile so that we can help you choose the best services to meet your needs. This information is not used for any other purpose.

With the My budget tool available on AccèsD, all transactions listed in your UNI and Desjardins VISA account statements are categorized to provide an overview of your income and expenses. The information collected by this tool is used only for this purpose. However, it may be de-identified and used for statistical analysis and business model development. Only you can access your personal data.

 

Accuracy

Any personal information we retain is as accurate, complete and up-to-date as necessary for the purposes for which we will use it. We will amend any inaccurate or incomplete information about you in our records at your request. Please contact your nearest business location in this regard.

 

Safeguards

We protect your personal information against loss or theft as well as unauthorized access, disclosure, copying, use, or modification through adoption of appropriate security safeguards regardless of the format in which your information is held.

UNI employees with access to your personal information must maintain its confidentiality. For example:

• No employee is authorized to ask you for your password or personal identification number (PIN).
• No employee may ask for your personal information, such as your debit card number, date of birth or social insurance number, over the telephone except as part of the usual identification process when you contact us.

 

Use of cookies

Cookies are used on our website, AccèsD and AccèsD Affaires. They identify your browser software from one visit to the next or when you move from page to page during a visit to facilitate your access to the site and your ability to navigate within the site. Cookies can only be read by the website that sends them to your computer.

 

About reCAPTCHA in some UNI online forms

We use Google Inc.'s reCAPTCHA service to protect the information entered on online forms on our website. Google reCAPTCHA is used to confirm that information entered on our websites (e.g., on contact forms) is entered by a user and not by automated software. In other words, it's a way to tell humans and computers apart, rendering bots unable to fill out forms maliciously in the name of a human.

To this end, reCAPTCHA analyses visitor's behaviour on websites based on a variety of factors. The analysis starts as soon as a visitor enters a website. reCAPTCHA assesses information such as the visitor's IP address, how long they stayed on the site and their mouse movements. The analysis takes place in the background, and visitors are not informed that it is in progress. Information collected is transmitted to Google and subject to Google's and Google reCAPTCHA's terms of use and privacy policy. Desjardins uses the system to protect its websites from spam and abuse.

To learn more, see:

• Google reCAPTCHA
• Google - Privacy & Terms

 

By using the reCAPTCHA service, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

 

Links to third-party websites

For your convenience, our website provides links to the sites of third parties or parts of their sites. We have no control over the content or operation of these sites or the confidentiality or privacy practices of the site operators. Consequently, any personal information you submit through such sites is governed by the privacy policies of the sites in question. It is therefore your responsibility to find out about their policies in order to protect information that concerns you.

 

E-mail policy

Our practices do not include soliciting members for personal and confidential information by e-mail or other electronic means.

 

Transparency

To help you make informed decisions about the use of your personal information, our privacy policy is made available in plain language.

 

Access to personal information

Upon request in writing, any individual will be informed of the existence, use and disclosure of his or her personal information and given access to this information within a reasonable time. In certain cases, we may not be able to provide you access to personal information we hold pertaining to you. We will inform you when access to your personal information is not possible and advise of any recourse available to you except where prohibited by law.

 

Complaint resolution 

Our members and clients are our priority, and we strive to find a fair and equitable solution for everyone. In this spirit, we offer a complaint resolution process at uni.ca/complaint.

If you have a complaint concerning your personal information, you may contact:

Privacy Office
Chief Compliance Officer
UNI Financial Cooperation
295 St-Pierre Boulevard West, P.O. Box 5554
Caraquet NB E1W 1B7
confidentiality@uni.ca