Privacy - Community First Credit Union
|Personally identifiable information about visitors to our sites is collected only when knowingly and voluntarily submitted. For example, we may need to collect such information to provide you with information or a product you requested, in connection with membership, contest entry forms or for billing purposes, or in connection with community postings such as chat and bulletin boards.|
|Use of Information|
Community First will use its card holders personal information for the purposes of fraud risk management.
|Use by Third Parties and Public Information|
|Community First may use reputable third parties to manage activities available on our sites including, but not limited to, contests, statistical analysis or chats. These parties may have access to personally identifiable information submitted by visitors who participate in those activities. Similarly, we may contract with third parties to handle the fulfillment of subscriptions or requests for information you submit to our sites, such as sending you a newsletter. In most instances, Community First instructs these third parties to use personally identifiable information only for the specific purpose for which it is collected.|
Any information posted on bulletin boards and/or communicated in chat areas becomes public information. While Community First strives to protect and respect your privacy, we cannot guarantee the security of any information you disclose in a chat room or bulletin board.
Your personal information will be disclosed to First Data Resources Australia Limited of Level 9, 168 Walker Street, North Sydney 2069 NSW, for the purposes of helping us and other card issuers to monitor fraud trends and prevent future fraud and card skimming. First Data may disclose your personal information to any of First Data Group companies involved in providing the products and their service providers whether located here or overseas. Any such entities are bound by strict confidentiality requirements.
|Use of Aggregate Data|
|We may collect certain non-personal information to optimise our Web pages for your computer (i.e., the identity of your internet browser, the type of operating system you use, your IP address and the domain name of your Internet service provider). We may use such non-personal information for internal purposes, including but not limited to improving the content of our sites.|
Community First may use personally identifiable information in aggregate form - not individual - to improve our sites and make them more responsive to the needs of our visitors. This statistical compilation and analysis of information may also be used by Community First or provided to others as a summary report for marketing, advertising or research purposes. An example of a summary report may be "20,000 people clicked on www.communityfirst.com.au on a particular date."
|Personal information may be disclosed in special situations where Community First has reason to believe that doing so is necessary to identify, contact or bring legal action against anyone damaging, injuring or interfering (intentionally or unintentionally) with Community First's rights, property, users, or anyone else who could be harmed by such activities. Also, Community First may reveal information when we believe in good faith that the law requires it.|
Community First will provide on request, the names and contact details for any organisations to whom we have provided card holders personal information for the purposes described in the Use of Information section.
|Community First strives to ensure the security, integrity and privacy of personally identifiable information submitted to our sites, and periodically reviews and updates its security measures in light of current technologies. Unfortunately, no data transmission over the internet can be guaranteed to be totally secure. Although Community First strives to protect your personal information, we cannot ensure or warranty the security of any information you may transmit to us or from our online products and services. Once we do receive your transmission, however, we make our best effort to ensure its security on our systems. |
Changing Personal Information and Discontinuing Membership
You may access and change personal information Community First has obtained from you at any time, for example, in relation to information on special offers or products. If at any time after submitting your personal information to our sites you would no longer like to receive information from us, simply follow the "unsubscribe" directions at the end of any email communication you receive.
|Our Public Policy Statement on Privacy|
|The following page is a copy of the published Community First Policy Statement about privacy|
|We Care About Your Privacy|
|At Community First Credit Union Limited (Community First), we acknowledge the importance of your privacy and the safeguarding of your personal information along with maintaining your trust in the credibility and ability of our systems and staff to satisfy these important mutual needs. |
Your personal information is necessary for us to provide the service that you have requested. If you do not provide your information on an application, we may be unable to process your application or provide you with the relevant service. Our aim is to protect and maintain your personal information in a manner that ensures its privacy, security and accuracy. All personal information provided to Community First is subject to the standards set out in the National Privacy Principles for the handling of personal information. We will only collect information that is relevant to our ability to provide service in the delivery of our products and services, to administer our business or to fulfill our legal requirements.
The personal information collected and maintained by Community First comprises your name, address, contact details and information specific to your product preference. Loan applications will seek information about you that is needed to assess your application. Other products and services may require additional information to enable provision of those products and services. On loan applications we require you to provide personal information and contact details of third parties. By submitting that application you agree to obtain those persons' consent to the disclosure and to inform those persons of the following:
|The information requested allows us to assess risks and administer your credit union membership and accounts. We will conduct business with you discreetly and confidentially ensuring your privacy whether you deal with us over the telephone, personally or electronically. Your personal information may be shared with other Community First business units, or other businesses and organisations that deliver services on our behalf. Although these organisations may be subject to the Privacy Act 1988 in their own right, we require them to conform to our privacy standards as well as comply with the Act. They will not be permitted to retain any personal information about you unless you have expressed interest in their products or services. |
We use appropriate technology and documented employee procedures to ensure that your personal information is secure. Only Community First employees and others authorised to handle personal information on our behalf have access to your personal information. We will, with your help, aim to keep our customer records accurate, complete and up to date. We will remove identification from any information that we no longer require.
You can notify us at any time if you do not wish to receive an offer or product information and we will ensure that your wishes are respected. We do not and will not sell personal information about our members.
You have a right of access to any of your personal information held by Community First, with some possible exceptions. There is generally no charge for access to your personal information unless provision of the information that you are seeking requires significant Community First resources. We will provide the information within a reasonable timeframe and advise you if costs will be incurred. We strive to provide a high level of service to our members and review our processes regularly.
Handling any issues and resolving them promptly is important to us. If you require more information, if you have an issue or if you have any suggestions on how we can improve our service please contact us on 1300 13 22 77, email us on email@example.com or write to us at PO Box 98, Lidcombe NSW 1825
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