Privacy Policy and Information
Privacy Policy and
Information
Your Privacy is Important to
Us
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.
This Privacy Policy Statement
describes how your personal information is collected, used and disclosed within
our MemberDirect Internet banking site. The MemberDirect site is the area of
our web site that requires you to use your MemberCard
Number and Personal Access Code (PAC) to enter.
For more information on all
of our corporate Privacy Policies and Practices please contact your credit
union.
Controlled Access to your
Information
To ensure that you are the
only person accessing your personal information, we restrict access to the MemberDirect
site by requiring that you enter your MemberCard
Number and Personal Access Code (PAC) to login. Only you know your
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 review our security information
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 MemberDirect 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, such as 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 MemberDirect 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.
Memorized MemberCards
Feature
We use a
persistent cookie to store information to help you personalize the MemberDirect
site and to make it easier to use. For example, we allow you to make the MemberDirect
login easier by remembering your MemberCard Number
within our Memorized MemberCards feature. Since the
Memorized MemberCards feature is optional, this
cookie only contains information that you have entered into it.
Logout Button
To ensure that someone cannot
access your personal information, always exit the MemberDirect 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 MemberCard 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 MemberDirect 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 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 MemberDirect site using the logout
button.
Automatic Session Time-outs
In the event that you leave
your computer without logging out, the MemberDirect 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 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.
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 MemberDirect 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 MemberDirect site may
also contain links to other web sites 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 responsibility or
liability for or control over these other web sites or Internet resources or
their collection, use and disclosure of your personal information. Always
review the Privacy Policy Statements of the sites that you are viewing.
Contact Us
We welcome any questions or
concerns about our Privacy Policy Statement, or the practices of this site.
Please contact us by telephone or email:
Toll-free in
Steinbach Branch: (204)
326.3495
Linden Ridge Branch: (204)
222.2100
Email: scu@scu.mb.ca
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 Policy Statement at
anytime, with or without notice to reflect the changes in functionality and
practice. Please check this Privacy Policy Statement regularly for changes.
