| Protecting your Privacy
We take seriously our responsibility for protecting your privacy
and the confidentiality of your personal information.
As part of our business we are committed to providing a number
of services to our members, which include financial services. To
provide these services it is necessary for us to collect, store
and use your personal information. We have been recording such information
for over 37 years of operation and we believe we have earned our
members trust in doing so. We are continuing to improve and revise
the security and accessibility of this information in line with
new technology and will continue to do so.
We will only deal with your personal information in the ways we
describe to you in this policy.
Personal Information Collected
We collect most personal information from you directly. For example,
we may collect personal information when you apply for membership,
open an account, deal with us over the telephone, send us a letter,
visit our web site, or when you contact us in person.
The type of information we collect will include your name and may
include: contact details; tax file number; date of birth; income
and financial details; employment details; credit record and transaction
history.
We do not generally collect information that is 'sensitive personal
information' as defined by the Privacy Act 1988 (Cth). However,
we may on occasion collect information relating to your health.
Such information will only be collected from you and will only be
used for the purpose for which it was collected. We do not disclose
sensitive personal information to third parties without your permission
or instruction.
We will use this information for the purposes that you have provided
it.
Where you provide information in an application for membership,
we will use this information:
Where you provide information in an application for a financial
product or service, we will use this information:
If you cannot provide us with the information we require to provide
and maintain these services we may be unable to accept or continue
your membership or to provide you with financial services.
We may need to source information about you from a third party;
for example, a credit reporting agency or an insurer. Wherever possible
this will be done with your authorisation or where this is not possible
we will inform you when such information is collected.
Use and Disclosure
Personal information is treated as confidential within the credit
union and is used by us for the purpose for which it was collected
or for a related purpose. Related purposes may include:
-
our own market analysis and product development;
-
informing you about new products or services; and
-
detecting and preventing fraud and other criminal activity.
Wherever our business is outsourced to third party contractors,
such as mailing houses and Information Technology professionals,
we undertake to ensure that these parties are bound by confidentiality
and non-disclosure agreements. Information provided to these parties
remains the property of the credit union and is only used for the
specific purpose for which it is supplied and on completion it is
returned to us. Wherever possible, the credit union will elect to
deal with agents who are bound by the provisions of the Privacy
Act. Where this is not possible we will make every effort to verify
that they otherwise comply with the National Privacy Principles
as provided by the Office of the Federal Privacy Commissioner.
Confidentiality
We have a duty to keep confidential all personal information we
hold about you, including:
-
your name, address and financial information;
-
the balance in your account; and
-
transactions on your account.
We will not disclose your personal information unless the disclosure
is:
-
required by law (eg. the Australian Taxation Office has the
power to order us to disclose information on your account/s);
-
authorised by law (eg to protect our interests or where we
have a duty to the public to disclose or where it is necessary
in proceedings before a court or tribunal); or
-
with your consent.
Disclosure to Third Parties
Except where required by law, we only disclose personal information
to third parties with your express or implied consent. We do not
disclose names and addresses to third parties for their own use
and in particular we do not disclose names and addresses to third
parties for their direct marketing.
Your Consent
Your consent to us may be express or implied.
We obtain your express consent by you writing to notify us of your
consent or by signing to acknowledge a statement of consent. Your
implied consent includes your consent, by taking up membership,
to allow us to disclose your identifying information to our service
providers to enable us to operate and provide services and products
to you. Confidentiality of the information will at all times be
maintained.
Without such consent we may not be able to maintain your membership
and accounts with the credit union.
Direct Marketing and your Privacy
From time to time we will use the personal information we collect
from you to inform you of products and services that we consider
may be of interest to you.
If you do not wish to receive direct marketing information, you
can tell us at any time by contacting our Privacy Officer on 9981
8400.
Tax File Number, Medicare Numbers and Pension Numbers
We use and disclose these numbers only for the purposes required
by law.
If you think the information we hold about you is incorrect
or you want to update it
We rely on the accuracy of the information you provide to us. If
you believe or know that information we hold about you is incorrect,
out of date or incomplete, please contact us on 9981 8400 and we
will make all reasonable efforts to correct the information.
Security of your Personal Information
We take all reasonable precautions to protect your personal information
from loss, unauthorised access, modification and unauthorised disclosure.
Personal information about your accounts and membership is only
accessible by you and by those who are authorised to access it.
Only authorised employees have access to your personal information
and only for approved purposes. Your personal information can only
be amended and deleted by authorised means.
Records that we hold containing your personal information may be
in hardcopy documents or as electronic data.
Hardcopy documents are secured on our premises and at archive sites
by locks and security systems. Wherever practicable, hardcopy documents
are returned to you and not kept on our premises. Electronic data
stored on our computers is protected by computer and network security
products, including firewalls, encryption, virus software, as well
as user identities and passwords.
Our Website uses the highest level of technology available to ensure
maximum security of cookie and personal information, including 128
bit SSL encryption.. However, no data transmission over the Internet
can be guaranteed to be totally secure. You should assess these
potential risks when deciding whether to use our online banking
services. You can contact the credit union on 9981 8400 for alternative
banking access. Whenever you bank on our Website, you should ensure
that you log out when you leave the computer to prevent unauthorised
activity on your account and access to your information.
Access to your Personal Information
You may request access to the personal information we hold about
you. We will provide you with such access wherever possible and
within reasonable time. We may apply a fee for such access, to cover
our costs. If we deny your request for access, we will provide you
with reasons for that denial.
We would ask that any such request is stated as clearly as possible
and adequately identifies the information you are seeking and where
it is located.
Changes to our Privacy Policy
This information relates to our current privacy policy. We may
vary this policy from time to time. Changes to our policy will be
published on our Website, and in our branches from time to time.
Resolving Privacy Issues
If you believe that the credit union has failed to observe the
privacy of your personal information, you can register your concern
or complaint with our Privacy Officer on 9981 8400. We will respond
as soon as possible and usually within 2 working days, to let you
know the person in our organisation who will be responsible for
investigating the matter. If we are unable to resolve the matter
within 10 working days we will contact you to let you know its progress
and status and when we expect the matter to be resolved.
How to make a Complaint or Enquiry
You can contact our Privacy Officer on 9981 8400 to register a
complaint or concern or to answer your questions relating to this
Privacy Policy.
Contact details for the Credit Union are-
Phone: (02) 9981 8400
Fax: (02) 9972 3800
Email: info@mwcu.com.au
Post: PO Box 1964, Dee Why 2099
Personally: Branches located at Brookvale, Dee Why, Manly, Mona
Vale and Warringah Mall.
|
Privacy Statement
