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Privacy online
By nature, our Internet banking site has many transactional functions such as transfers between accounts and bill payments. 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 way as if you performed it 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 that you perform, or for the services that you use.
To continually improve our site, we often collect statistics about how our members are using it. These 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 user experience on pages where members are having difficulties.
The information collected may include your IP address, your browser type and your operating system, as well as data such as the number and types of pages visited and the length of time spent per page and on the site overall.
We also use a web technology called cookies. A cookie is a small information token that is stored 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 one 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 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.
We may use persistent cookies to (i) provide you with a customized experience by recording your preferences; (ii) gather statistical information such as average time spent on a page; and (iii) to show you targeted marketing information about ACU when you visit other websites. The data gathered provides us with information on how we can improve the design, content and navigation of our website.
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 it is receiving a cookie so that you accept cookies from only known, reliable sites like this one. If you are concerned about cookies, we encourage you to upgrade your browser to a recent version and review its Help section to learn more about its specific control features.
We use reCAPTCHA to help us protect you and our site, by verifying that you are not a robot. In order to do this, reCAPTCHA collects browser and user information, including cookies that have been placed by Google over the last six months, how many mouse clicks you've made on the screen, the date, the language your browser is set to and any plug-ins you've installed on your browser. This information is then sent to Google, so that it can determine if the user is a robot. Use of reCAPTCHA is subject to the Google Privacy Policy and Terms of Service.
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. Alternately, you can also communicate with us through two-secure messaging, once you are signed in to online banking.
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 discourage you from including personal financial information (such as account numbers) within the email as we can't guarantee its confidentiality en 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 in case we correspond further.
We welcome any questions or concerns about your privacy relating to use of our website. Please contact us if you have questions or comments.
As we continue to expand our online banking service to serve you better and as new Internet technologies become available, we may update the information on this page at any time, to reflect changes.
Safeguarding your personal information
- Outlook Financial is a division of Assiniboine Credit Union, and employees are familiar with procedures that safeguard member personal information. The protection of your personal information is specified in our employment agreements and regularly confirmed in writing.
- Every employee is required to pass an annual privacy training course.
- We audit our procedures and security measures regularly to ensure that they are properly administered and remain effective and appropriate.
- We retain your information only as long as it is required for the reasons it was collected. Depending on the product or service and the nature of the personal information, this period may extend beyond your relationship with us but only as long as it is necessary to accomplish the purpose for which it was collected, or as required by law.
- When your personal information is no longer needed, we have procedures in place to securely destroy, delete, erase or convert it to an anonymous form.
- Our systems ensure your Personal Identification Number (PIN), password and other access codes are kept private and confidential. For example, when you use your PIN at an ATM, the code is scrambled after you enter it. In addition, only you know your access codes. Our employees can’t find out what they are and will not ask you to reveal them.
- When you enroll in online services such as Internet banking, the passwords you use are encrypted to ensure data security.
- As part of their contracts with us, our suppliers and agents have confidentiality agreements in place and may not use your personal information for unauthorized purposes.
- We ensure all legal enquiries or orders are valid and disclose only the personal information required or permitted by law to be disclosed.
- We will never use email to send you information about important financial matters, such as the status of your account or any security breaches. We also will not request sensitive financial or personal information by email. Please contact us if you receive an email about these matters.
What we collect and why we need it
What we collect and why we need it
- Social Insurance Number (SIN) - In order to comply with the Canada Revenue Agency's income reporting requirements, we must collect your SIN when you open a savings account or apply for an RRSP, RRIF or TFSA or other product that earns investment income.
- Financial information - Your financial information is also necessary to access your eligibility for credit products you request, such as line of credit, loan or mortgage. At the same time, it helps us give you the most appropriate financial planning advice about investments and other products and services.
- Health information - Information about your health may be required to determine your eligibility for some of the insurance products you request.
- Date of birth - Knowing your birth date helps us identify you and reduces the risk if someone is trying to impersonate you.
You look to us to offer responsible, reliable financial services and value-added advice. Collecting current, accurate personal information allows us to provide you with the best possible financial advice, as well as products and services you may find valuable.
Outlook Financial, our parent company Assiniboine Credit Union and our affiliates and partners in the Canadian Credit Union system collect, use or disclose your personal information to:
- Verify your identity.
- Provide you with the products and services you request.
- Determine what products or services may benefit you.
- Develop, offer, manage, and provide products and services that meet your needs.
- Determine what products or services meet your needs.
- Determine your eligibility for products and services.
- Detect and prevent fraud, and to help safeguard your and our financial interests.
- Help us collect debts or enforce obligations which are owed or guaranteed by you to us.
- Respond to lawful requests for information about you.
- Meet those purposes we may indicate on our website or otherwise communicate with you.
- Meet our regulatory requirements.
- Carry out any other purpose that you authorize or that is required or permitted by law.
The information we request depends on the product or service you want. Much of the personal information we ask for is either mandatory by law or vital for us to be able to do business with you. Here are a few examples where you must provide us with specific information in order to obtain the product or service you want.
Transfer of personal information to service providers outside Canada
We may engage service providers, and in some instances these service providers may be located outside Canada. We only select service providers that protect personal information in a manner that is comparable to the protection we provide under our own privacy policies. Please be advised that personal information may be subject to, and accessed under, the laws of the countries in which our service providers operate. If you have any questions about our transfer of personal information to our service providers outside Canada, or if you would like to learn more about our privacy policies in that regard, please contact our Privacy Officer.
When we share information
We are not in the business of selling member lists or personal information about you to others but, under certain circumstances, we may release your personal information to outside parties, including:
To provide you with service
We give the minimum amount of personal information necessary for our suppliers and agents to produce goods and services provided to you through us. For example, we must provide a cheque production company with the personal information you want printed on your Outlook Financial cheques.
For independent member satisfaction surveys
Also, as part of our commitment to continuous improvement, we sometimes employ the services of professional research companies to conduct independent member satisfaction surveys. If you do not want to participate in these surveys, please contact our Privacy Officer.
For credit granting purposes
With your consent we may disclose your Outlook Financial debit history to other lenders or credit bureaus if you apply for credit at another financial institution. In these cases, we release only the information required to identify you and credit records about your repayment history.
To complete a business transaction
We may disclose your personal information in order to complete a business transaction, such as a merger with another credit union or the sale to, or purchase of, another credit union. In such circumstances, we will only disclose your personal information to the other party to the transaction if the disclosure is necessary to complete the transaction and there is a written agreement that restricts the collection, use and disclosure of such personal information to purposes that relate to the business transaction.
If the business transaction is not completed, all personal information disclosed and collected by us will be destroyed or returned.
When required or permitted by law
We are obligated to provide personal information in response to a valid demand, search warrant or other legal enquiry or order. We may also disclose personal information to help us collect a debt owed to us and in the case of a breach of agreement or contravention of law.
With others who share ownership or liability for the product or service
If you have a product or service with us, where ownership or liability is shared with others (such as a joint account or a guarantor on a loan), we may share any or all of the information relating to or about that product or service with these other people, including any of your personal information which relates to the account.
Withdrawal of consent
Withdrawal of consent
As an Assiniboine Credit Union/Outlook Financial member, you can control the information you receive from us and our system affiliates (except for statement inserts) by stating your withdrawal or partial withdrawal of consent. Some information we collect is necessary for us to provide products and services to you and providing this information is not optional. You have the right, at any time and subject to the applicable law, to withdraw the consent given to us to collect, use and disclose your personal information, or you may alter the terms of your consent.
If you wish to withdraw or partially withdraw your consent, please contact us.
Please note that a reasonable time period may be required to process your withdrawal of consent.
Member information access or privacy concerns
Member information access or privacy concerns
You have a right to access your personal information that we have in our possession. If you want to access this information, or if you have a complaint or concern related to privacy, please print and complete the Member Information Access and Privacy Concern Form [PDF] and email to PrivacyOfficer@acu.ca or fax to 204.478.5524, or mail to the Privacy Office at:
Privacy Office
Outlook Financial
Box 2, Station Main
Winnipeg MB R3C 2G1
The Privacy Office will respond to your request or complaint within 30 days of receiving this form. If there are any costs associated with the information gathering, we will notify you in advance.
However, if you suspect theft or fraud:
Do not use The Member Information Access and Privacy Concern Form to report instances of theft or fraud. If you suspect the theft of your identity in any way, or suspect that your private information has been stolen, please contact us immediately.
For card loss, see lost or stolen cards on our contact page.
Contact our Privacy Office
To find out more about our privacy policies, kindly contact our Privacy Office by email or postal mail.
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Please note: for your protection, don't send sensitive financial or personal information by email
What we will do if your information is compromised
We are proud of the policies and practices we use to protect your personal information. We also believe that you have the right to know how your personal information is being collected, used and disclosed. That is why we have developed procedures to restore the integrity of your personal information if the policies and practices we use to safeguard your personal information are breached.
Our procedures to respond to security breaches include breach notification. We will notify you, as soon as reasonably practicable in the circumstances, of any security breaches of your personal information, which create a real risk of significant harm to you, and explain what it might mean to you.
We will consider the sensitivity of the personal information that is involved and the probability that the personal information has been, is being or will be misused. If the breach creates a real risk of significant harm to you, such as the potential for financial loss, identity theft or negative effects on your credit, we will notify you of the breach as soon as we can. We will ensure that you have enough information to take whatever steps are possible to reduce the risk of the harm that could result from the breach.
Second, if there has been a material breach of the security of your personal information (determined by a number of factors, including the sensitivity of the personal information and the number of individuals whose personal information was involved), we will also notify the Office of the Privacy Commissioner of Canada and the applicable provincial information and privacy commissioner and/or ombudsman as appropriate.
Third, we will investigate whether any other government institutions may be able to help us reduce the risk of harm from the breach. If so, we may notify those institutions, so that they can help us respond to the breach.
In all cases, we will strive to make our notifications as soon as we confirm the breach has occurred, and that notification is required, in a manner which is consistent with applicable laws.
