Your privacy is a very important matter to us and we at the Finnish Credit Union are committed to the protection of your privacy. Protection of personal information has always been fundamental to the way we do business. The Finnish Credit Union has adopted the Credit Union Code for the Protection of Personal Information which complies with the federal Personal Information Protection and Electronic Documents Act (PIPEDA). The following are the ten interrelated principles of the Code:
Have a question? Ask our Privacy Officer
The Credit Union Privacy Officer is your point of contact if you wish to raise any matters regarding the use of your personal information. Please contact the credit union to speak to Bawani Thayalan, Privacy Officer, if you have any questions or concerns.
ONLINE/TELEPHONE BANKING PROTECTION
Finnish Credit Union's online and telephone banking services provide our members with a reliable and secure method of electronic banking. Information provided when using online banking is protected while in transit by the use of a Secure Socket Layer(SSL) and encryption. Encryption using at least 128-bit encryption ensures that information in transit cannot be read or changed. Access is only granted when the proper user identification and password is used.
While opportunities to commit fraud via online or telephone banking are limited to viewing account information, changing member information, transferring funds within the specified accounts and paying bills, there are steps that can be taken to help deter fraud in this area:
To protect yourself and limit fraud when using telephone banking, ensure that all passwords are kept confidential and changed regularly.
Your access to and use of all the services and products of Finnish Credit Union Limited and its network affiliates described on this site are governed primarily by the terms and conditions of the relevant paper agreements you have physically signed at the Finnish Credit Union or specific electronic agreements you have signed electronically. For traditional deposit, withdrawal, over draft protection and chequing services, and Automatic Teller Machine (ATM) access, we refer you to your Member Account Agreement for a more thorough explanation of our respective responsibilities. For MasterCard services, we refer you to the MasterCard Terms of Operation. For loans and mortgages, we refer you to the various forms of agreement used to document your borrowing transactions. For online and telephone banking access, we refer you to the agreements you signed at the Finnish Credit Union when requesting this service.
OUR RESPECTIVE RESPONSIBILITIES
We will do our best to ensure that you can use this web site and complete the transactions that can be done through this site safely and securely. Protecting the security of your funds, and the privacy and confidentiality of your personal information stored within the web server hosting our web site and our own computer system, is an obligation we take very seriously. If fraudulent activity occurs on your accounts because of a breach in computer security, we will restore your account balances to what they should be as long as you are not responsible in anyway for the breach of security. In other words, we expect you to do your own part in preventing fraud, by, for example, keeping your password secret from others and taking other reason able steps to prevent unauthorized access to your account balances.
Although we do our best to make sure this web site is always accessible and functioning properly, and contains accurate and up to date information, we are supplying it on an “as is” basis, without warranty of any kind, either express or implied. We can not and do not promise that the site will always be available and meet your needs, that access will never be uninterrupted, that there will never be delays, failures, errors or omissions or loss of transmitted information, that the software we use will be compatible with your system, that no viruses or other contaminating or destructive properties will be
transmitted or that no damage will occur to your own computer system. Please consult the Finnish Credit Union for complete and up-to-date information on products and services. Furthermore, it is your sole responsibility to adequately protect and backup your data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties on your own system.
We must also warn you that unencrypted e-mail communications over the internet are not secure. We strongly recommend that you do not send personal or financial information to us using unencrypted e-mail or a web browser with less than 128-bit encryption capability. This level of technology allows messages traveling back and forth between your browser and our site to be encoded and unencoded at either end so that anyone attempting to intercept the message will not be able to interpret it.
Better, more secure means of communicating to us are available to members who sign up for our online banking service. If you do sign up for this service, however, a web browser with at least 128-bitencryption capability is required.
Notwithstanding this recommendation, we do not accept liability or responsibility for your personal or financial information becoming public through no fault of our own, by way of accident or fraud on the part of third parties.
If you do communicate with us by means of e-mail, we will assume, unless you advise us otherwise, that you consent to our using the information you have sent to us, including your e-mail address, for the purpose of developing and sending an appropriate response to your communication, and disclosing it to such other parties as we deem appropriate for that purpose.
OUR PRODUCTS AND SERVICES ARE NOT OFFERED OR AVAILABLE TO EVERYONE
It is important for you to understand that not all of the products and services described in the pages of this web site and the information found therein, is offered to or available to every member of the general public. The information on this site is not to be construed as an offer or solicitation to buy or sell any currency, investment fund orother product, service or information to any one in any jurisdiction in which an offer or solicitation is not authorized or can not lawfully be made or to any person or entity to which it is unlawful to make an offer. Only individuals or entities that qualify for membership in the Finnish Credit Union under its By-laws and who are admitted to membership, are eligible to purchase the products and services described in the pages of this web site, and make use of the information contained therein.
If you are not a member of the Finnish Credit Union and/or are accessing this site from outside of Ontario, you do so on your own initiative and are solely responsible for making sure that you comply with applicable local, national, provincial or international laws. For information specific to any jurisdiction outside Ontario, we refer you to your own financial advisor. You are not permitted to use or export or re-export any information contained in the pages of this web site or any copy or revision there of in violation of any applicable laws or regulations, including export laws and regulations of Canada in force from time to time.
WE ARE NOT OFFERING ANY ADVICE THAT IS SPECIFIC TO YOUR NEEDS
The information contained in the pages of this web site is of a general nature only, and is not intended to provide specific legal, accounting, financial or tax advice that might be relevant to your own individual circumstances. You should not act or rely on the information without first seeking the advice of professionals who can properly assess whether or not it applies to your own situation.
NO ENDORSEMENTS OF THIRD PARTIES
No endorsement or approval of any third parties (other than persons or entities with which the Finnish Credit Union has a networking arrangement to provide products and services to its members), or their advice, opinions, information, products or services, is expressed or implied by any information contained on the pages of this web site, including links to their own web sites. If you use the links to access other internet resources or web sites, you do so at your own risk. We do not investigate, verify, or m on it or these links.
TRADE-MARKS AND COPYRIGHTS
Product names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the web site are trade names or trade-marks or service marks owned or licensed by Finnish Credit Union Limited or its networking partners or affiliates. Trademarks maybe registered in Canada and in other countries as applicable. The display of trademarks on pages at this web site does not imply that a license of any kind has been granted to anyone using this site. Any unauthorized downloading, retransmission or other copying or modification of trademarks and/or the contents herein maybe a violation of federal or common law, trademark and/or copyright laws and could subject the copier to legal action.
Copyright, Finnish Credit Union Limited. All rights reserved. You are not permitted to use, without express authorization, any of the logos, names, or trademarks owned or licensed by the Finnish Credit Union Limited. All information at this site is protected under the copyright laws of Canada. Furthermore, certain information maybe copyrighted by others.
JURISDICTION FOR DISPUTES
This site is managed by Finnish Credit Union Limited from its offices in Toronto, Ontario. Its operation and these Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the applicable laws of Canada, without regard for any principles of conflict of laws operable in Ontario. All disputes, controversies or claims arising out of or in connection with the site shall be submitted to and be subject to the jurisdiction of the courts of the Province of Ontario. You agree that you submit and attorn to the jurisdiction of the courts of the Province of Ontario to finally rule on any suit, action, or proceeding arising out of or in connection with this site.