Privacy Policy
Northern Valley Credit Union
Our Commitment to Privacy
Northern Valley Credit Union is committed to safeguarding the privacy and security of your personal information in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable provincial laws. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information when you interact with our website, products, and services.
Personal Information We Collect
Personal information includes any identifiable details you provide to us, such as:
- Full name, mailing address, email, and phone number
- Financial and banking details, including account numbers and transactions
- Identification details such as Social Insurance Number (SIN) (where required by law)
- Employment and income information (for credit assessments)
- IP address and website interaction data
- Any other information you voluntarily provide
Why We Collect Personal Information
We collect and use your personal information to:
- Provide and manage your credit union accounts, loans, and services
- Verify your identity and assess creditworthiness
- Process payments, transactions, and loan applications
- Comply with legal, regulatory, and anti-fraud requirements
- Enhance website security, functionality, and member experience
- Communicate important updates, promotions, and service offerings (with your consent)
Providing your SIN is required by law for tax-reporting purposes but is optional for credit checks. You may opt out of using your SIN for credit matching by informing us.
Sharing Your Personal Information
We do not sell or rent your personal information. However, we may share it with:
- Service Providers (e.g., payment processors, IT support, and statement printing services)
- Affiliates & Partners (to offer additional financial products or services, with your consent)
- Government & Regulatory Authorities (as required by law, such as tax reporting)
- Credit Bureaus & Financial Institutions (for credit assessments and fraud prevention)
All third parties must comply with strict privacy and security obligations.
Your Consent & Privacy Choices
By using our services, you consent to the collection, use, and disclosure of your personal information as outlined in this policy. You can withdraw or modify your consent at any time, subject to legal and contractual obligations.
To update your privacy preferences, please contact our Privacy Officer (details below).
Accessing & Updating Your Personal Information
You have the right to:
- Request access to the personal information we hold about you
- Correct inaccurate or outdated information
- Inquire about how your information is used
To make a request, contact us in writing. We may require identity verification before processing.
Website Privacy & Cookies
When you visit our website, we may collect non-personal data, including:
- IP address, browser type, and device information
- Pages visited and time spent on our site
- Cookies for user experience improvement and analytics
You can manage or disable cookies through your browser settings.
Third-Party Websites & External Links
Our website may contain links to external financial service providers and partners. We are not responsible for their privacy practices and recommend reviewing their privacy policies before sharing personal information.
Protecting Your Information
We implement strong security measures, including:
- Encryption and secure authentication for online transactions
- Restricted access to personal data on a need-to-know basis
- Regular audits and security updates to prevent unauthorized access
While we take all reasonable precautions, no system is completely secure. We encourage members to take additional steps, such as safeguarding passwords and monitoring account activity.
Challenging Compliance & Filing Complaints
If you have concerns about how we handle your personal information, please contact our Privacy Officer:
Privacy Officer : Marcy Betts
Northern Valley Credit Union
marcy.betts@northvalleycu.com
If we are unable to resolve your concerns, you may contact the Office of the Privacy Commissioner of Canada (OPC):
Office of the Privacy Commissioner of Canada
Website: www.priv.gc.ca
Phone: 1-800-282-1376
Changes to This Privacy Policy
We may update this Privacy Policy to reflect changes in our services, legal requirements, or best practices. The most recent version will always be available on our website.
Effective Date: April 15th, 2025.