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Privacy Policy and Information

Your Privacy is Important to Us

At Westminster Savings Credit Union we are committed to protecting your privacy and safeguarding your personal and financial information. While the Internet is revolutionizing the way that we do business-providing convenient access to financial services from your home or office-we also recognize that it may bring legitimate concerns about Privacy and Security. Please click here to access our Security information about Business Express Internet. This Privacy Statement describes how your personal information is collected, used and disclosed within our Business Express Internet banking site. The Business Express Internet banking site is the area of our website that requires you to use your Customer Number and Personal Access Code (PAC) to enter. Please note that this statement does not refer to the policies and practices of our public website. Please click here for more information on the policies and practices of our public website(the area of our website that does not require the use of your Customer Number and Personal Access Code (PAC) to use). For more information on all of our corporate Privacy Policies and Practices please click here to view our corporate Privacy Code.

Controlled Access to your Information

To ensure that you are the only person accessing your personal information, we restrict access to the Business Express Internet banking site by requiring that you enter your Customer Number 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. We store and use your transactional information in the same fashion as if you performed the transaction at a branch or 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

To create a secure channel between your browser and our server, we use 128-bit Secure Socket Layer (SSL) encryption, the highest level available. To learn more about 128-bit SSL encryption, and our security policies, please click here to view our security information.

Application Forms

To provide you with a convenient method for applying for loans and mortgages, or for purchasing other financial services products we may provide secure online application forms. By nature, these forms capture personally identifiable information that we use to provide you with the products and services that you have requested. This information is processed in a fashion similar to that of application forms received through our other channels. The information contained in the application may be archived or stored, as governed by existing law or policy.Website Usage StatisticsTo continually improve our site, we often collect information about how our Members are using it. These usage statistics are only viewed in the aggregate-and are never tied to an individual.We use this information for purposes such as improving the pages where our members are having difficulties, and ensuring that we have the appropriate infrastructure in place to service future needs.The information collected may include your Internet Protocol address, your browser type and your operating system, as well as data that is passively generated as you browse the site, 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 the Business Express Internet banking site, cookies are passed back and forth between our server and your browser. While cookies can be used for a variety of reasons, we only use cookies where they are of benefit to our members.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 Internet 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, like your name, or date of birth, or financial information, such as your accounts and balances.Most recent browser versions allow the user to set some level of control over which cookies are accepted and how your browser uses them. Many browsers will allow you to accept cookies from only known, reliable sites that you select such as the Business Express Internet banking site. 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 it's specific control features.

Logout Button

To ensure that someone cannot access your personal information, always exit the Business Express Internet banking site using the logout button 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 Customer Number and PAC are re-entered.

Enhanced Security Feature

On the login screen, our Enhanced Security feature provides you even greater control over your Privacy.When you click on the Enhanced Security checkbox, the Business Express Internet banking site will prevent your browser from caching (storing in the computer's memory) those pages that you have viewed. Should you click on the Back button to view a previous page during a session, the page will not be recalled directly from our server. Therefore, when you logout, no one will be able to view your information by clicking on the Back button, or by viewing the browser's History.

Use this function if you are accessing your accounts from a publicly available computer such as in a library or airport. You may also want to consider using the feature if you are using a computer at work, or a friend's computer, to access your accounts.
Once again, it is important to remind you to always logout of the Business Express Internet banking site using the logout button.

Automatic Session Time-outs

In the event that you leave your computer without logging out, the Business Express Internet banking 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. Our replies will then be securely routed back to you and will be filed under the Messages section within the Business Express Internet banking site.

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 on 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 so that we can refer to them in future.

We will not provide your email address to anyone outside of the credit union. We may use your email address to send you information about financial products or services that we think may be of interest to you. If you do not want us to contact you with product information by email, you may tell us so at any time and we will discontinue the practice.

If you have asked us to provide you with information on a regular basis, or if we email you information about our products or services, you may ask us to remove you from the list at any time. We intend to include instructions to unsubscribe from the list in every mailing, and on the site where you originally subscribed to the list.

Service Partners

In providing our complete Internet banking service, we often use external service partners and suppliers to assist us. In performing their duties, these service partners may handle components of your personal information on our behalf. We ensure through our contracts with these partners that they handle your information with the same standard of care that you have come to expect from us. Our suppliers, like our employees, are bound to maintain your confidentiality and may not use the information for unauthorized purposes.

Some of our partners require that you first register with their service to permit us to tie their functionality into the Business Express Internet banking site. Registration for these external services will always be at your discretion. We may append personally identifiable data to this registration for the Partner to use to compare and validate the registration. You will always be notified of such an action during the registration process.

Links to Other Sites

The Business Express Internet banking 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, Westminster Savings Credit Union has no responsibility or liability for or control over these other websites or Internet resources or their collection, use and disclosure of your personal information. Always review the Privacy Statements of the sites that you are viewing.

Managing your Privacy

To help automate the process of reviewing this Privacy Statement against your personal privacy preferences, we have also enclosed a machine-readable version of this Statement-called a P3P File-on the Business Express Internet banking site. P3P stands for Platform for Privacy Preferences and is a standard created by the World Wide Web Consortium-a leading Internet standards body. Some Internet browsers such as Microsoft Internet Explorer 6 and Netscape 7 use this P3P File to compare the items outlined in this written policy against a user's preferences. For more information on the P3P standard, we encourage you to visit the P3P site at www.w3.org/p3p.

Contact Us

We welcome any questions or concerns about our Business Express Internet Privacy Statement, or the practices of this site. Please contact us by email at better_banking@wscu.com, or in writing at the following address:

Westminster Savings Credit Union
108-960 Quayside Drive
New Westminster, BC V3M 6G2

Protecting Your Privacy-We're in it together

As we continue to expand our online banking service to serve you better, and as new Internet technologies become available, we may need to amend this Privacy Statement at anytime, with our without notice to reflect changes in functionality and practice. Please check this Privacy Statement regularly for changes.

The members of Westminster Savings Credit Union and Maple Ridge Community Savings (a division of Westminster Savings Credit Union) can be assured that all personal, business and financial information will be kept completely confidential.

All transactional information, including applications is processed through an encrypted secure server, which means that your data cannot be accessed by third parties. We endorse and observe the privacy guidelines issued by the Federal Government, applicable provincial requirements, the Canadian Standards Association and the Canadian Bankers Association.

Your information will not be sold to any third parties.

Westminster Savings is proud to be a British Columbian Credit Union providing products and serving the needs of residents of B.C. If you are a resident of B.C. and are interested in becoming a member, please contact the branch nearest you. Branch Information.

Information contained within this web site is intended for general information purposes only. It is not intended to provide specific financial, tax, legal or accounting advice.