Privacy Policy

At the PWCCUL we respect and protect your privacy. This means that:

• With your consent, we will gather only the minimum personal information necessary to provide you with current information about our products and services and to provide you with fast, reliable service if you decide to make us your financial services provider
• We will not sell, exchange, lend or make available to other companies any personal information that you have provided to us.
• We keep all personal information confidential, and we have safeguards to protect that information whether it is in print, electronic or other form.
• We will make available to you upon request, your personal information that we have on file, and we will correct, amend or delete information at your request.

PERSONAL INFORMATION

In order to serve our members with the right materials at the right levels, delivered to the right address and to ensure that the financial relationship is correct and current, we need to have certain basic personal information on file. Personal information is the information that relates to you, our member, as an individual. Personal information beyond your name and contact information may include any or all of the following: a record of your financial transactions and preferred payment and deposit method, alternative contact information and your account and member number. We will only request information from you that relates directly to the products or services we are providing to you, and we will keep that information active only as long as the uses for which it has been collected are relevant to your needs.

CONSENT

We must obtain the consent of anyone whose name may be retained in our records to provide products or information. If a member sends in an electronic e-mail or a form requesting our services, we accept that as implied consent. If we need information beyond that which you have indicated (in conducting a survey, for instance), we will request your explicit consent either orally or in writing. You can withdraw your consent at any time. If you withdraw your consent, we will remove your name and personal information within 21days.

From time to time, we may acquire from outside companies lists of members who have consented to receive information from us. It may occur that a name we have deleted on request from our files may appear on one of the lists we have acquired. In such cases, you may request another deletion.

EMPLOYEE COMMITMENT

Our employees are committed to respecting the personal information we hold in our files. Our employees have been trained in the proper and respectful use of personal information.

Third Party Commitment

From time to time, we may send information to third parties such as printers and mailers. As part of our contractual arrangements with these companies, we require them to respect our privacy policy and to utilize the information only for the purposes we specify and in accordance with our policy.

LIMITATIONS ON USE

We will not use your personal information for any purposes other than those outlined above unless we have asked your permission and have received your consent. We will remove or destroy personal information when it is no longer relevant for the uses for which it was gathered. We will delete your name from our mailing lists following the receipt of your request by letter, fax, email or phone.

RETENTION OF PERSONAL INFORMATION

We will not retain personal information indefinitely. Generally, information is retained for six years after it has become inactive. Files are then destroyed or deleted, except for those on data tapes and financial records which, in accordance with the law, must be retained for six years. Archived information is not accessible for operational or marketing purposes.

SECURITY

All information held by us is subject to strict internal security to prevent unauthorized access and improper usage. Electronic records are subject to limited access by authorized personnel who must use passwords and other security measures. Print records containing personal information are subject to physical protection such as locked rooms or cabinets, accessible only to authorized personnel.

ACCESS TO INFORMATION

As our member, you have a right to know what information we hold about you and to ensure that it is accurate. On request, we will arrange to supply you with a printout of our files relating to your information. If you wish to verify your information, please write to Privacy Officer PWCCUL, #216 Wulff Road, P.O. Box N-1986. If you find errors or omissions, we will be pleased to make corrections.