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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. 

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 from the references you provide to us. 

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 credit worthiness, and check references; 
  • to administer and manage security and risk in relation to 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 of the credit union and of our affiliates and service suppliers. 

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 when you obtain products or services that require 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. 

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 Principles of the Credit Union Privacy Code:

We have designated a Privacy Officer who is accountable for our compliance with the principles of the Privacy Code. 

Identifying Purposes 
Before or at the time we ask you for personal information, we will identify the purposes for which it will be used or disclosed. 

We require your knowledge and consent for the collection, use, or disclosure of personal information. 

Limiting Collection 
The collection of personal information shall be limited to that which is necessary for the purpose identified by the credit union. 

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. 

We will endeavour to keep your information accurate, complete, and up-to-date. 

We will protect your personal information with appropriate security safeguards. 

We will make specific, understandable information readily available to you about our personal information policies and practices. 

Individual Access 
When you request it, we will give you access to the existence, use, and disclosure of your information. You are entitled to question its accuracy and completeness, and its uses. 

Challenging Compliance 
You are entitled to question the Privacy Officer about our compliance with any of these principles. 

You can visit all public areas of our site without providing any personal information about yourself. Our Web site 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 visit, the type of Internet browser used to access the site, 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 provided by you will only be used for the purposes of responding to your inquiry or acting on your request. We will not use your name or e-mail address for any other purposes without additional consent. 

Our website contains links to other web sites that are part of, affiliated with, or have a business relationship with Bayview, a division of Brunswick 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 Bayview website of this referring address allows other sites to monitor their own web traffic but does not disclose any personal information about you. 

The Privacy Officer is responsible for monitoring 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. 

Ultimate responsibility for our compliance with the Privacy Code rests with the credit union Board of Directors. 

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

57 King Street
Saint John, NB, E2L 1G5

Have questions?

To learn more about privacy, don't hesitate to reach out. We'd love to hear from you!
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