Your Privacy is Our Priority

Credit unions have a history of respecting the privacy of our members. Your Board of Directors has adopted the Credit Union Code for the Protection of Personal Information (“Privacy Code”). We have policies and procedures in place to protect your privacy and your right to control the collection, use, and disclosure of your personal information.

Why Do We Collect Your Personal Information?

We use your personal information to help us provide the highest standards of financial service. We collect this information from you directly, with your consent, and according to the terms of the product and service arrangements you have made with or through us or your ongoing relationship with us. Personal information is also obtained with your consent from credit bureaus, other financial institutions, and the references you provide.

Your personal information is collected for one or more of the following purposes:

• to verify your identity;
• to understand your needs and eligibility for products and services;
• to open, maintain and administer your accounts and provide financial services that meet your needs;
• to obtain credit reports, evaluate your credit rating and creditworthiness, and check references;
• to administer and manage security and risk about your accounts and the financial services provided to you;
• to comply with legal and regulatory requirements; and
• to offer and provide you with other products and services from the credit union, our affiliates, and service suppliers.

What Personal Information Do We Collect?

The information we collect may include but is not limited to, your address, telephone number, email address, date of birth, gender, income, marital status, employment history, financial records, Social Insurance Number (SIN), or other government-issued identification numbers, and credit history.

The law requires us to ask for your SIN when you open an interest-bearing account or obtain products or services requiring reporting to certain government agencies. We also may use it to identify you with credit bureaus and other financial institutions for credit matching purposes and other purposes related to your ongoing relationship with us. However, providing your SIN is not a condition of service.

With Whom Do We Share Your Personal Information?

We only share your personal information with your consent or where we are legally required or permitted to do so. We never sell, rent, or lease personal information to third parties.

We do not record when personal information is disclosed through routine reporting to government agencies (for example, a T5 Statement of Investment Income and other reports to the Canada Revenue Agency (CRA)) as legislation or regulation requires.

We use trusted, reputable suppliers to provide services such as, but not limited to, the following; cheque and statement printing, data processing, member research and surveys, and payment clearing services. We provide suppliers with only the information necessary to perform the required services. Personal information is removed from market research and survey reports provided to the credit union to ensure confidentiality.

We ensure our suppliers implement security standards for information handling that are equal to our own, and we require them to protect your information in a manner consistent with our Privacy Code. If our suppliers are located outside of Canada, they are subject to the foreign jurisdiction’s laws and may be required to disclose personal information following those laws.

pYour information is sometimes shared with our partner organizations, including cooperative companies and/ or similar organizations, to ensure we offer you a full range of financial products and services. Our partner organizations must also protect your information consistent with our Privacy Code.

Your Right to Access and Verify Personal Information

You have the right to access, verify and update your personal information at any time. For more information, contact your credit union.

Here is a summary of the 10 Credit Union Privacy Code Principles.

1. Accountability We have designated a Privacy Officer who is accountable for our compliance with the principles of the Privacy Code.
2. Identifying Purposes Before or when we ask you for personal information, we will identify the purposes for which it will be used or disclosed.
3. Consent We require your knowledge and consent to collect, use, or disclose personal information.
4. Limiting Collection The collection of personal information shall be limited to what is necessary for the purpose identified by the credit union.
5. Limiting Use, Disclosure, and Retention If you have provided explicit limited consent, your personal information shall not be used or disclosed for purposes other than those for which it was collected or as required by law. We will retain your information only as long as necessary to fulfill identified purposes.
6. Accuracy We will endeavour to keep your information accurate, complete, and up-to-date.
7. Safeguards We will protect your personal information with appropriate security safeguards.
8. Openness We will make specific, understandable information readily available to you about our personal information policies and practices.
9. Individual Access When you request it, we will give you access to your information's existence, use, and disclosure. You are entitled to question its accuracy and completeness and its uses.
10. Challenging Compliance You are entitled to question the Privacy Officer about our compliance with these principles.

Your Consent

We collect, use and disclose your information only with your consent unless we legally disclose your personal information.

In most cases, we will obtain your express consent in writing. However, on occasion, your consent may be implied. For example, we may possess and use personal information that we collected from you before implementing our Privacy Code and for which we do not have your express written consent. However, because the information was obtained in relation to products or services that you requested or in relation to your ongoing relationship with the credit union, your consent to our use of such information is considered implied. In all cases, your personal information may be used for the purposes described in this brochure, including disclosure to partner organizations, unless you specifically ask us in writing to stop.

You can refuse to consent to our further collection, use or disclosure of your personal information at any time by giving the credit union written notice. However, withdrawing your consent may limit the credit union’s ability to provide products or services to you. As a result, to use certain products and services of the credit union or maintain an ongoing relationship with us, you cannot refuse our collection, use and disclosure of personal information required by the credit union and partner organizations that provide essential services to the credit union.

You may withdraw your consent at any time by completing the Withdrawal of Consent form on this brochure and returning it to your credit union.

Information we collect on our website

You can only visit our site's public areas if you provide personal information about yourself. Our website collects only non-personal information based on a visitor's Internet Protocol (IP) address (this is not personally identifiable). Information collected includes the date and time of the visit, the type of Internet browser used to access the site, and the referring address (the link a visitor uses to access the site). This data is used to create statistics on site usage and improve online services.

If you send us an e-mail, any information you provide will only be used to respond to your inquiry or act on your request. We will not use your name or e-mail address for any other purposes without additional consent.

Links to other Websites

Our website contains links to other websites that are part of, affiliated with, or have a business relationship with Morell Credit Union. When you leave our site to visit one of these other sites, the only information transferred to the new site is the fact that you came from the Morell Credit Union website at: https://www.morellcreditu.com/Home/. Transmission of this referring address allows other sites to monitor their web traffic but does not disclose any personal information about you.

Questions? Ask Our Privacy Officer

The Privacy Officer monitors information collection and data security and ensures credit union employees receive appropriate training on privacy issues and their responsibilities under the Privacy Code. The Privacy Officer also handles all privacy inquiries and personal information access requests under the Privacy Code.

Our compliance with the Privacy Code is the ultimate responsibility of the credit union’s Board of Directors.

We welcome any questions or concerns about our Privacy Statement or the practices of this site. Please get in touch with us by e-mail or in writing at the following address:

Jennifer Handrahan
Privacy Officer
(902)-961-2735