Privacy & Security
BAY Credit Union Limited may collect personal information from me, from product and service arrangements I have made with or through you, from credit bureaus and other financial institutions, and from the references I have provided you.
BAY Credit Union may collect, use and disclose my personal information for the following purposes to:
- provide me with financial services;
- understand my financial account needs;
- develop, manage and deliver products and services to me;
- determine my eligibility for different products and services;
- ensure that I receive a high standard of service;
- meet regulatory requirements;
- manage and transfer the assets and liabilities of Bay Credit Union; and
- verify my identity.
BAY Credit Union may provide my personal information to credit bureaus and other financial institutions and, with my consent, to other parties. BAY Credit Union may share my personal information with its employees and business partners, but only as needed for the provision of products and services.
BAY Credit Union may also use my personal information to introduce products and services that may be of interest to me through contacting me directly (via mail, telephone calls or e-mail only) and share it (subject to applicable law) for marketing purposes within BAY Credit Union.
At any time, I can choose to opt-out of receiving direct marketing or sharing my personal information for marketing purposes. To opt-out, I will contact the Privacy Officer. Please call the branch to speak with our Privacy Officer 345.7612
Internet Security
This area of our website is dedicated to the education of our members regarding security issues that may impact their lives. Swindlers utilize numerous methods to exploit others, but one thing is certain, “If it sounds too good to be true, it probably is!”
If you receive a suspicious email or a pop-up window asking you to verify or submit confidential or personal information such as your account number, PIN or password, do not respond and do not click on any of the links provided.
Password Security
Strong passwords are important protections to help you have safer online transactions. An ideal password is long and has letters, punctuation, symbols, and numbers:
- whenever possible, use at least 8 characters or more;
- the greater the variety of characters in your password, the better; and
- use the entire keyboard, not just the letters and characters you use or see most often.
Identity Theft Prevention
Identity theft is any kind of fraud that results in the loss of personal data, such as passwords, user names, account information, or credit card numbers. Online identity theft is sometimes also known as phishing.
Identity theft isn’t new. Thieves have always found ways to illegally acquire people’s personal information through confidence scams (also known as social engineering), stealing mail from mailboxes, or even looking through trash cans or dumpsters. Now that identity theft has moved online, criminals can scam a greater number of people, which makes it much more profitable.
For information on how to avoid online identity theft, see the Government of Canada recommendations.
Anti-Phishing
Phishing is an attempt to criminally and fraudulently acquire sensitive information, such as usernames, passwords and credit card details from unsuspecting people by masquerading as a trustworthy entity. If you’ve been a victim of phishing, take action here: www.antiphishing.org.
Code of Conduct
BAY Credit Union will publicly make accessible the code of conduct as set out by the credit and debit card industry in Canada. The Code of Conduct was designed to protect BAY 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 visit the Financial Consumer Agency of Canada.
Legal
Use of the BAY Credit Union website constitutes acceptance of the following terms and conditions.
All information provided on this website is believed to be accurate when posted and is subject to change without notice. Material is for informational purposes only. BAY does not assume any responsibility or liability for any communications or materials available at Third party sites linked to on our site.
The content of the website including copy, images, logo, and video, and the website design, content and arrangement are protected by copyright laws. While we welcome you to download information for personal use, the reproduction and distribution requires prior written approval.
The BAY website use cookies to store browsing history and preferences. This information will not be shared with other websites will not be used for marketing purposes.
This website has been created in accordance with the World Wide Web Consortium’s Web Content Accessibility Guidelines. If you experience difficulties in accessing any content or functionality on our website, please contact us.
MEMBER CARD is a registered certification mark owned by Canadian Credit Union Association, used under license. BAY Credit Union, BAY, the BAY logo and all other trade-marks are the property of BAY Credit Union and may not be used in any manner that is likely to cause confusion or disparage/discredit BAY.
This website and the materials on it are provided “as is”. BAY makes no representations or warranties of any kind, express or implied, as to the operation of this website, our services, or the information, content, materials, services or products included or referenced on it. BAY is not responsible for any damages arising out of your use of this website, including damages resulting from the transmission of personal information, lost profits, business interruption or otherwise. To the full extent permissible by applicable law, BAY disclaims all warranties, express or implied, including but not limited to implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement.
The laws in force in the province of Ontario, Canada, will govern these disclaimers, terms, conditions and any claims against BAY. You agree that any action at law or in equity arising out of or relating to these disclaimers, terms and conditions will be filed only in the courts located in the province of Ontario, and you hereby consent and submit to the personal jurisdiction of such courts for the purpose of litigating such action. If any of these terms or conditions is unlawful, void or unenforceable, then that term or condition is severable and will not affect the validity and enforceability of the remaining terms and conditions.
Contact- Privacy Officer
Tara Silver
406 N. Cumberland Street- Cumberland Branch
tara@baycreditunion.com
(807) 345-8153
