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 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.
The personal information we obtain about our 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 clients and providing ongoing service
- Identifying our 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 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.
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.
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.
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.
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.
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.
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.
Our practices do not include soliciting members for personal and confidential information by e-mail or other electronic means.
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.
Handling of complaints and disputes
Our clients are our priority, and we will strive to find a fair and equitable solution for everyone. In this spirit, we offer a dispute resolution process at uni.ca/complaint