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I consent to Bow Valley Credit Union collecting, using and disclosing my personal information as described in our Privacy Agreement.

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Bow Valley Credit Union ("BVCU") has adopted this Privacy Statement to provide you with an overview of the collection, use, retention, and disclosure of personal information that you may provide while using the Credit Union’s products and services (collectively referred to as “Services”). Credit Union encourages you to read this Privacy Statement, as well as any Terms and Conditions that may be applicable to a particular product and service, in order to understand how we collect and process personal information in the course of providing the Services and your interaction with the Services.

By using the Services, you consent to the collection, use, retention, and disclosure of your personal information for processing as described in, and subject to the limitations set out in, this Privacy Statement.

Personal information is any information that would identify a person directly, or indirectly in combination with data from other sources. For example, personal information includes a full name, home or work address, phone number, national identification number (SSN, SIN, etc.), email address, banking details, IP address, biometric data, payment information, usage data, or any information that may individually identify a person.

BVCU may collect personal information including without limitation your name, phone number, email address, IP address, and device identifiers, in the course of its Services, and may use or disclose that personal information as described with this Privacy Statement.
BVCU may also create de-identified or anonymized data from personal information by excluding data components (such as your name, email address, etc.) that makes the data able to personally identify you, through obfuscation, or through other means. In addition, BVCU may collect and use aggregated, anonymous information to provide data about the Services to advertisers, potential business partners and other unaffiliated entities. As this information does not identify a person, and is therefore not personal information, BVCU’s use of such aggregated, anonymized and/or de-identified data is not subject to this Privacy Statement.

If you use BVCU’s website, or conduct a transaction through an the BVCU’s website where personal information is essential, your consent is implied to collect and use your personal information to facilitate that use or complete that transaction requested or initiated by you only. Examples of instances in which personal information may be collected by BVCU are, but are not limited to:

When you request information or Services, and/or when requested information or Services are provided to you,
When you access and navigate BVCU’s website, or engage in communication and/or business transactions with BVCU,
When BVCU is administering, planning, and managing its relationship with you or communicating with you in relation to this relationship,
Where BVCU seeks to better understand how BVCU may improve its products and services, to develop and conduct its business and operations, and for other internal business purposes,
Where BVCU seeks to provide you with information on current and future products and services or other developments with respect to BVCU and its affiliates and partners,
Where BVCU needs to comply with applicable legal and regulatory requirements, or protect BVCU’s legal rights and property, or
If you knowingly submit Personal information through BVCU’s website for the purpose of registering for a service, a contest, or authentication.

During these instances, BVCU may collect data such as, but not restricted to: name, email address, phone number, address, areas of the Services or BVCU websites you visit, transaction type(s) you engage in or request (and amounts thereof), content you view, your IP address, data downloaded or submitted by you, as well as the nature of the individuals or entities with whom you communicate or transact business using the Services.
If at any point you wish to withdraw consent to personal information collection, please contact the BVCU Privacy Officer noted in this Privacy Statement. Please note that certain Services may only be able to be offered or provided to you if you disclose the personal information necessary to facilitate those Services, and therefore BVCU may not be able to provide you with certain Services in the event that you choose not to disclose that personal information to BVCU.

When you interact with a BVCU Service, similar to most other websites, apps, and online services, certain anonymous technical information about your visit is automatically logged and collected by BVCU. This may include information about the type of browser you use, operating system, the date and time you access the Service, the links you accessed while using the Service, and the internet address of the website, if any, which linked directly to the BVCU Service. This information is used for system administration purposes such as diagnosing problems with BVCU’s Services, servers and websites, compiling aggregated and statistical information, and to improve the operation and content of BVCU’s websites and Services. It is not personally identifiable, and is not considered personal information and subject to this Privacy Statement.

BVCU may use collected personal information for such purposes as:

Helping to establish and verify the identity of users, and to keep user accounts secure,
Opening, maintaining, administering and servicing users’ accounts or memberships,
Providing Services and support to users,
Improving BVCU’s websites, including tailoring its websites to users’ preferences,
Providing users with product or Service updates, promotional notices and offers, and other information about BVCU,
Corresponding with you, and responding to your questions, inquiries, comments, and instructions,
Maintaining the security and integrity of BVCU systems, and,
Complying with applicable laws.

Once collected, BVCU will store and process your personal information in secure locations.

Personal information will only be retained by BVCU for the length of time required to fulfill the purpose or complete the transaction for which it was collected, or as may be required by law. Beyond that point, personal information in the possession or control of BVCU will be anonymized or securely destroyed.

BVCU maintains reasonable physical, technical, and administrative security measures to minimize the risk of unauthorized loss, theft, copying, misuse, access, disclosure, alteration, or destruction of your personal information.

BVCU also restricts access to your personal Information to only those persons who have a legitimate business need or legal requirement to view it in connection with the Services. You, as a personal information owner, may also authorize any persons you may choose to have access to your personal information.

Although BVCU does utilize security measures appropriate to the level of risk, no method of data transfer or storage on the internet is 100% secure and security risks cannot be eliminated entirely. As such, BVCU cannot guarantee perfect security, integrity, or confidentiality of personal information.

In the event of a data breach or security incident involving the Services, BVCU will take all reasonable steps to comply with the breach reporting obligations that may be applicable to it under Alberta privacy laws. BVCU may also seek to notify you in such event. If notification is appropriate or required, BVCU may notify you by email, messaging to your device, or other reasonable means.