Privacy

Your privacy is important to us


While digital solutions revolutionize how 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.

Privacy Code

At Entegra Credit Union, private information is always treated confidentially. Entegra’s Privacy Code provides guidelines to protect the privacy of personally identifiable member data that is collected, used, disclosed or communicated to our credit union. This code is based on the ten privacy protection principles outlined in the Canadian Standards Association (CSA) Model Code for the Protection of Personal Information and applies to all aspects of information within Entegra Credit Union.

Entegra Credit Union is responsible for personal information under its control and shall designate a Privacy Officer who is accountable for compliance with the principles of the Code.

The purposes for which personal information is collected shall be identified by Entegra Credit Union at or before the time that the information is collected.

The members' knowledge and consent are required for the collection, use, or disclosure of personal information, except in specific circumstances as described within this code.

The collection of personal information shall be limited to that which is necessary for the purposes identified by Entegra Credit Union. Information shall be collected by fair and lawful means.

Personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the member's consent or as required by law. Personal information shall be retained only as long as necessary for the fulfillment of those purposes.

Personal information shall be as accurate, complete, and up-to-date as is necessary for the purposes for which it is to be used.

Personal information shall be protected by security safeguards appropriate to the sensitivity of the information.

Entegra Credit Union shall make specific, understandable information about its policies and practices relating to the management of personal information readily available.

Upon request, an individual shall be informed of the existence, use, and disclosure of their personal information and shall be given access to that information. An individual is entitled to question the accuracy and completeness of the information and have it amended as appropriate.

A member shall be able to question compliance with the above principles to the Privacy Officer accountable for Entegra Credit Union's compliance. Entegra Credit Union shall have policies and procedures to respond to a member's questions and concerns.


The full text of Entegra's Privacy Code is available upon request at any of our branch locations.

Privacy Online

The following information describes in general terms how your personal information is collected and used within the Online Banking section of our site. The Online Banking section requires you to use your username and password to enter.

To ensure that you are the only person accessing your financial information, we restrict access to the Online Banking section of the site by requiring that you enter your username and password to log in. Only you know your password. Our employees do not have access to your password, nor will they ask you to reveal it. If someone does ask you to provide your password to them, we ask that you refuse to do so and contact us immediately.
Our Online 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 information. We store and use your transactional information in the same fashion as if you performed the transaction at a branch or through any other service channel.

We may also use transactional information for servicing your account — for example, billing you for the particular transactions you perform or the services you use.
We create a secure channel between your browser and our server to protect your information when you use the site. 
To provide you with a convenient method for applying for loans and mortgages or purchasing other financial services products such as Registered Savings Plans, we may provide secure online application forms. These forms capture personal information that we use to provide you with the products and services you request. This information is processed in a similar way to application forms received through our other channels.
To continually improve our site, we often collect statistics about how our members are using it. These usage statistics are only viewed in the aggregate and are not associated with you as an individual. We use this information for purposes such as improving the pages where our members are having difficulties.
The information collected may include your IP address, your browser type and your operating system, and data such as the number and types of pages visited and the length of time spent per page and on the site overall.
A cookie is a small information token that sits on your computer. As you use this site, cookies are passed back and forth between our server and your browser.

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 Online Banking session. With each page 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 simultaneously. Our session cookies never store any personal information, such as your name, date of birth, or financial information, such as your accounts and balances.

Most recent browser versions allow you to set some level of control over which cookies are accepted and how your browser uses them. For example, it may be set to notify you when receiving a cookie so that you accept cookies from only known, reliable sites such as this one. 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 its specific control features.
To ensure that no one else can access your personal information, always use the Sign Out button to end an Online Banking session. It is located at the top of every page. When you exit by using the Sign Out button, we delete your session cookie so that it cannot be resumed unless you re-enter your username and password.
If you leave your computer without signing out, Online Banking will automatically end your session if it 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 password again. 
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 en route to us. When you email us your comments, questions or instructions, you provide us with your email address, and we use it to correspond with you. We then store your email and our replies to you in case we correspond further.
Our site may also contain links to other websites or internet resources. As an example, we may provide links to Microsoft or Google to assist you in upgrading your internet browser. However, we have no control over these other websites or internet resources and do not control their collection, use and disclosure of your personal information. Always review the Privacy Statements of the sites that you are viewing.
We welcome any questions or concerns about your privacy relating to the use of our website. Please use the Contact Us form to submit your questions or comments.
As we continue to expand our Online Banking services to serve you better and as new technologies become available, we may update the information on this page to reflect those changes.

Agreement

I consent to the Financial Institution and its agents and representatives, collecting, using, and disclosing my personal information provided in connection with this Application, and any changes or additions to this information provided in the future, for the purposes of:

  1. providing me, or a third party for whom I am acting, with Financial Institution products and services that I have applied for or may apply for in the future and providing information to suppliers of products and services to me or the Financial Institution in connection with providing these Financial Institution products and services;

  2. understanding my needs and determining the suitability of products and services for me; determining my eligibility for these products and services;

  3. establishing my identity; verifying information provided by me with third parties, including my employer and other financial institutions, verifying information provided by third parties; administering the Account; and making sure my records are kept separate from others with the same name;

  4. protecting me, a third party for whom I am acting, or the Financial Institution from error and fraud such as identity theft;

  5. collecting a debt owed to the Financial Institution;

  6. transferring or selling Financial Institution assets, such as in an acquisition, merger, loan syndication, securitization of loans, or sale of loans;

  7. complying with legal requirements, including money laundering laws and regulations.

I consent to the Financial Institution and its agents and representatives, disclosing my personal information to:

  1. suppliers of products and services to me or the Financial Institution, including data service providers, cheque printers, card manufacturers, affiliates of the Financial Institution, provincial or national central Financial Institutions or trade associations, in connection with providing and administering my Account and other products and services provided to me, or a third party for whom I am acting;

  2. participants in the payment and clearing systems in connection with providing or administering my Account and other products and services provided to me or a third party for whom I am acting, and to other financial institutions that I request pay cheques drawn on the Financial Institution;

If there is more than one Applicant, I consent to the Financial Institution disclosing information about the Account as instructed by either/any one of the Applicants.

If you have questions about the collection, use and disclosure of your personal information by the Financial Institution, please contact us.

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