We take our member complaints very seriously and are committed to making every effort to resolve your concern. We want to handle your complaint in the most efficient and professional manner possible.
Market Code is Important to Your Credit UnionCredit union Market Practices Code (Market Code) was the result of legislation that was written into The Credit Union Act, 1998 but not proclaimed. It identified a requirement for credit unions to adopt a Market Code and it defined “market practices” as any activity related to soliciting, promoting, advertising, marketing, selling, or distributing a credit union’s products and services, either directly or indirectly. Saskatchewan credit unions and their employees have always committed to delivering a high quality of service to members and customers. The Market Code information that follows builds on this commitment. This Market Code identifies the market practice standards and how the credit union subscribes to those standards. It speaks to the way credit unions and their employees conduct themselves and how they treat their existing and potential members and customers to maintain their trust, while living out their co‑operative values. Download the Credit Union Market Code here:
Credit unions in Canada have a long history of respecting the privacy of their customers. As a co-operative financial institution, we are committed to developing policies, procedures and service offerings that address privacy concerns. We continue to protect your privacy and your right to control the collection, use and disclosure of your personal information. We have procedures in place that guide our employees and directors in maintaining confidentiality.
Your credit union board of directors has adopted the Credit Union Code for the Protection of Personal Information, established related policies and procedures and appointed a privacy officer. Our employees understand the importance of the policies and procedures and follow them carefully.
Personal information is information about an identifiable individual. This includes, for example, a criminal record, employment history, financial records, address, telephone number, e-mail address, social insurance number, fingerprints, etc.
We hold personal information about members to help us meet and maintain the highest standards of financial service. This information can include your name, address, age, income, use of accounts and credit history.
We obtain this information from you directly, and from the product and service arrangements you have made with or through us. Information is also obtained with your permission from credit bureaus, other financial institutions and from the references you provide us.
We use trusted and reputable suppliers to provide cheque and statement printing, data processing, research and payment clearing services. We provide them with only that information which is necessary to perform the required services. They are not allowed to use this information for any other purpose than what we contract them for. Our suppliers and their employees are required to protect your information in a a manner that is consistent with our Privacy Code.
Your information is sometimes shared within the Co-operative Financial Services Group™ of companies so we can offer you a full range of financial products and services. These affiliates include: Credit Union Members Insurance Society (CUMIS), Credential Group, Concentra Financial, The Co-operators Insurance, Credit Union Payment Services (CUPS), CUETS and Celero Solutions. Any product or service offering that is derived from this sharing of information comes directly from us and not from our affiliates.
For a complete list of our service suppliers, click here. (Either link to a page with a complete list of your service suppliers or instruct people to come into the credit union for a complete list.)
You have the right to review your personal information held by Saskatoon City Employees Credit Union and to verify its accuracy. To gain access to this information, contact Dennis Lozinsky our privacy officer. He will inform you of the process.
Should you discover upon review of your personal information that changes are required, please inform us.
The following is a summary of the 10 Principles of the Credit Union Code for the Protection of Personal Information.
Our privacy officer Dennis Lozinsky is your point of contact if you wish to raise any matters regarding the use of your personal information.
The privacy officer is responsible for monitoring information collection and data security, and ensures that other credit union employees receive appropriate training on privacy issues and their responsibilities under the code. The privacy officer also handles all privacy inquiries and personal information access requests under the code.
Depending upon the sensitivity of the information, you can provide us with your consent in writing, electronically or verbally.
We will obtain your consent in writing when you become a credit union member or when you apply for a new credit union service offering.
We may possess personal information about you that we collected prior to implementation of our privacy code, for which we do not have your express consent to use. We will continue to use that information, unless you ask us to stop using that information. This is considered implied consent.
We obtain or use your information only with your consent. We do not sell it to third parties or use it in any way we have not told you about. We obtain your consent before we:
Withdrawal of your consent provides you with an opportunity to limit the uses and disclosures of your personal information should you choose to do so. You may limit or withdraw your consent at any time, subject to legal or contractual obligations. For example, your credit union is required by law to provide a record of your interest earning information to the Canada Customs and Revenue Agency.
To withdraw your consent, print and fill out WhatYouNeedtoKnowAboutProtectingYourPrivacy and return or send to the Saskatoon City Employees Credit Union’s Privacy Officer at: Saskatoon City Employees Credit Union222 3rd Avenue North, Saskatoon, SK S7K 0J5
Saskatoon City Employees Credit Union is committed to the Canadian Code of Practice for Consumer Debit Card Services and the Code of Conduct for the Credit and Debit Card Industry in Canada. These codes are designed to protect credit union members' interests related to the issuance and acceptance of payment cards, and to the operation of payment card networks.
For more information, please see: