Privacy Policy

Me-Dian Privacy Principles

Ten interrelated principles form the basis of the Credit Union Code for the Protection of Personal Information (the Code). Each principle must be read in conjunction with the accompanying commentary.

  1. Accountability – Me-Dian Credit Union is responsible for personal information under its control and shall designate a Privacy Officer who is accountable for the credit unions compliance with the principles of the code.
  2. Identifying Purposes – The purposes for which personal information is collected shall be identified by the credit union at or before the time the information is collected.
  3. Consent – The knowledge and consent of the member are required for the collection, use and disclosure of personal information, except in specific circumstances as described in this Code.
  4. Limiting Collection – The collection of personal information shall be limited to that which is necessary for the purpose identified by the credit union. Information shall be collected by fair and lawful means.
  5. Limiting Use, Disclosure and Retention – Personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the consent of the member or as required by law. Personal information shall be retained only as long as necessary for the fulfilment of those purposes.
  6. Accuracy – Personal information shall be accurate, complete, and up-to-date as is necessary for the purpose for which it is to be used.
  7. Safeguards – Personal information shall be protected by security safeguards appropriate to the sensitivity of the information.
  8. Openness – The credit union shall make readily available to members specific, understandable information about its policies and practices relating to the management of personal information.
  9. Individual Access – Upon request, a member shall be informed of the existence, use and disclosure of their personal information, and shall be given access to that information. A member is entitled to question the accuracy and completeness of the information and have it amended as appropriate.
  10. Challenging Compliance – A member shall be able to question compliance with the above principles to the Privacy Officer accountable for the credit union’s compliance. The credit union shall have policies and procedures to respond to the member’s questions and concerns.

How Me-Dian Credit Union uses your personal information

Me-Dian Credit Union will only gather information that is essential to the product or service that our members request from us. Me-Dian Credit Union will collect your personal information fairly and legally, and you will be fully informed of these actions. We will only use the gathered information for its purpose and for nothing else. We will not rent, trade or sell you information to any third parties.

The following information listed will show how Me-Dian Credit Union gathers information from you.

Name, Contact Information, Occupation, Age, Gender and Date of Birth

We require name, contact information and occupation to establish your identity and to communicate all future account information and available services. This information is also frequently queried and updated to meet the minimum industry and regulatory requirements necessary for all members. Age, Gender, and Date of Birth helps Me-Dian Credit Union confirm you identity, detect and prevent error, identity theft, fraud and helps safeguard you financial interests. This information may also be used to ascertain the suitability and/or eligibility for certain products or services we offer.

Identification Numbers, Social Insurance Number (SIN)

Me-Dian Credit Union is legally required to acquire your social insurance number if there are any tax consequences to your transitions. We also use your SIN to conduct personal investigations, such as credit bureaus, and in conducting identity verifications as required.

Personal Financial Records and Meeting Your Needs

We may examine you financial information to identify appropriate products and services, or to determine you eligibility if applying for new credit or account services. To best serve your future needs, we’ll often reexamine the products and services you have with us in an effort to promote other services that may be of value to you. You may opt to stop receiving promotional offers at any time.

Internal Audit, Legal, Security, and Regulatory Requirements

Your personal information may be accessed during internal audit. These audits help us protect you from illegal or fraudulent activity. If required by law or for security or regulatory reasons, we may disclose your information to a third party, such as our insurance provider if a claim is made. Me-Dian Credit Union will only disclose the specific information required and nothing more.

Contact Information

We have appointed a Privacy Officer to be accountable for the security and collection of your personal information. Our Privacy Officer will also answer any questions you may have about how Me-Dian Credit Union collects and uses your information.

To Contact Our Privacy Officer

By Mail:
Me-Dian Credit Union
Attn: Privacy Officer
303 Selkirk Avenue
Winnipeg, Manitoba
R2W 2L8

By Phone: 204-943-9111
By Fax: 204-942-3698
By Email: privacyofficer@mediancu.mb.ca