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Security and Privacy

Security Information

About SSL Certificates

Privacy Information

Just How Secure Is It?

e-Caisse offers you the best security currently available in a commercial environment. This means your privacy and confidentiality are assured. Any personal or transactional information transmitted between you and your Caisse Populaire is secure and cannot be read by anyone else. With e-Caisse the integrity of the information you send is guaranteed. Transactions and communications from Members are received without alteration.

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How Is Security Achieved?

Access to our Member services and financial systems and databases is strictly managed. Technological and procedural systems are in place to ensure security is not breached. This includes physically securing all of our computer hardware and telecommunications systems. And just as you play a vital role in ensuring the security of your home and your possessions, you too share in the responsibility for the security of your Caisse Populaire Home Banking services.

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What Are My Responsibilities?

Protect Your PIN

In order for us to ensure that only you are allowed access to your accounts, we need a unique way of knowing that it's you. Just as the key to your home protects unwanted entry, the Home Banking "key" - your Personal Identification Number(PIN) - ensures that only you can access your accounts. It is your responsibility that the "key" to your Caisse Populaire Home Banking services is protected. Please observe the following security practices:

  • Select a PIN that is easy for you to remember but difficult for others to guess.
  • Do not select a PIN that is easy to guess (such as 12345) or that is based on personal information (avoid your birth date, address, phone number, social insurance number, or similar information about your family or friends). Otherwise it makes it easy for someone who knows you to guess.
  • Do not select a part of your ATM "key" or another password.
  • Keep your PIN confidential.
  • Do not write your PIN number down or store it in a PC file. If you absolutely have to save it somewhere, ensure only you know its location.
  • Disable automatic password save features in your Internet browser and software that you use to access your Internet Service Provider.
  • Never disclose your PIN in a voice or e-mail and do not disclose it over the phone, especially cellular phones.
  • Do not share your PIN with anyone other than a joint account holder.
  • Do not permit anyone to observe you type in your PIN.
  • Change your PIN on a regular basis. We suggest every 90 - 120 days.
  • Contact your Caisse Populaire immediately if you suspect that someone has gained knowledge of your PIN.
  • Contact your Caisse Populaire immediately if you believe there are errors or omissions in your account.

To notify your Caisse Populaire of any loss, theft, misuse or unauthorized use, call us directly at  1-888-273-3488 or Email OnLine TechSupport

Protect The Information On Your PC

Your Caisse Populaire has provided a secure method for our Members to communicate with us. Once the information has reached your PC, it's up to you to protect it. You should:

  • Never leave your PC unattended while using our Home Banking Services. Always exit our Home Banking Services and your Internet browser if you step away from your PC.
  • Your Internet browser software may retain information you entered in the login screen and elsewhere until you exit the browser. Secure or erase files stored on your PC by your Internet browser so others cannot read them. Most Internet browsers store information in non-protected (unencrypted) files in the browser's cache to improve performance. The files remain there until they are erased. The files can be deleted using standard PC utilities or by using your browser feature to "empty" the cache. In Netscape Navigator 3.xx, this is available in the Options, Network, Cache screen. In Internet Explorer 5.xx this is available in the View, Internet Options, General Screen.
  • Disable automatic password save features in your Internet browser and software that you use to access your Internet Service Provider.
  • Install and use a quality anti-virus program.
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Select A Browser That Provides The Most Protection

To access e-Caisse you will need an Internet browser that supports SSL 128-bit encryption, cookies and tables. We have chosen 128-bit encryption as our standard as it is the strongest publicly-available encryption protection today. On visual browsers, pages will generally look better if the browsers understand style sheets. Our pages look best when your monitor display settings are set to 800 x 600.

Our Home Banking Services can be accessed by:

Note: For Mac users, minimum browser requirements are as follows;

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How Have We Met Our Responsibilities?

We ensure your personal and financial information is protected within our in-house Member service and financial systems and databases.

We ensure your personal and financial information is protected while in transit between your PC and our Home Banking Server through the use of industry standard security techniques which include Secure Socket Layers (SSL) and encryption.

Encryption ensures that information in transit between your PC and our Home Banking Server cannot be read (private and confidential) or changed (integrity). We ensure that only individuals who provide the correct PIN can access your account information.

For your protection, e-Caisse has been designed to lock your session automatically if there has been no activity for 10 minutes. Therefore if our system detects that you haven't provided any instructions or used the browser buttons to navigate within e-Caisse for 10 minutes, the session will automatically be locked and you will need to provide your Personal Access Code and Personal Identification Number again to conduct more transactions.

Our Home Banking System uses a technique called a "cookie" to maintain a connection with you. A cookie is a small amount of information, stored on your PC in an encrypted form, that is intermittently sent to and from our Home Banking Server.

The cookie provides us with information that enables us to ensure that each request for information really came from you and that we deliver the information only to you. The cookie also lets us know when to time-out your connection as explained above.

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Automatic Disconnection

For your protection, e-Caisse has been designed to lock your session automatically if there has been no activity for 10 minutes. Therefore if our system detects that you haven't provided any instructions or used the browser buttons to navigate within e-Caisse for 10 minutes, the session will automatically be locked and you will need to provide your Personal Acces Code and Personal Identification Number again to conduct more transactions.

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A Word About Internet E-mail

As discussed above, our Home Banking Services employ industry standard security techniques to ensure the security of your communication with us. Although we also provide the convenience of contacting us using standard Internet e-mail, it is important to remember that standard e-mail does not employ encryption and other security features. Since standard Internet e-mail does not guarantee confidentiality, we recommend that you not include private or confidential information in such communications.

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Web Site Privacy

Privacy Statement

Your Caisse is committed to protecting the personal information of its members, employees and other individuals. In order to protect all personal information collected, used or disclosed by the Caisse, we have adopted the Caisse Code for the Protection of Personal Information.

On our web site, we only collect personal information required to improve the services we offer, to improve our site content and, with your permission, to contact you with information about our services. We will not share any personal information obtained on this web site with any other organization without your express knowledge and consent.

Information we collect on our site

You can visit all public areas of our site without providing any personal information about yourself. Our web site collects only non-personal information based on a visitorís Internet Protocol (IP) address (this is not personally identifiable). Information collected includes the date and time of visit, the type of Internet browser used to access the site, the referring address (the link a visitor uses to access the site). This data is used to create statistics on site usage and improve online services.

To help us manage our web site, we set a cookie on your computer that expires when you close your web browser.

If you send us an e-mail, any information provided by you will only be used for the purposes of responding to your inquiry or acting on your request. We will not use your name or e-mail address for any other purposes without additional consent.

Links to other web sites

Our web site contains links to other web sites that are part of, affiliated with, or have a business relationship with the Caisse. When you leave our site to visit one of these other sites, the only information transferred to the new site is the fact that you came from the Caisseís web site (the referring address). Transmission of this referring address allows other sites to monitor their own web traffic, but does not disclose any personal information about you.

Notice

The Caisse reserves the right to amend its Web Site Privacy Statement and its Privacy Code at any time with or without notice. Please check this page periodically for changes.

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Our Commitment to Privacy

A Tradition of Respect for Rights

As co-operative financial institutions, Manitoba Caisses have a long history of respecting the rights of their member-owners, and we are committed to the development of policies, procedures and service offerings that maintain those rights.

Your Caisse Board of Directors has adopted the Caisse Code for the Protection of Personal Information, related policies and procedures, and appointed a Privacy Officer. You are entitled to review the Code at any time, access your personal information, or contact the Privacy Officer about a privacy issue or concern. Through these actions, what has been our accepted practice becomes our documented commitment to you, the member.

The 10 Principles of Our Privacy Code

Here is a summary of the 10 Principles of the Caisse Code for the Protection of Personal Information. If you would like to receive a complete copy of the Code, please contact us.

  1. Accountability. We have designated a Privacy Officer who is accountable for our compliance with the principles of the Code.
  2. Identifying Purposes. Before or at the time we ask you for personal information, we will identify the purposes for which it will be used or disclosed.
  3. Consent. We require your knowledge and consent for the collection, use, or disclosure of personal information.
  4. Limiting Collection. The collection of personal information is limited to only the purposes we've identified to you.
  5. Limiting Use, Disclosure and Retention. We will only use or disclose your personal information with your consent (or as required by law). And we will only retain your information as long as necessary to fulfill identified purposes.
  6. Accuracy. We will keep your information accurate, complete and up-to-date.
  7. Safeguards. We will protect your personal information with appropriate security safeguards.
  8. Openness. We will make specific, understandable information readily available to you about our personal information policies and practices.
  9. Individual Access. When you request it, we will give you access to the existence, use, and disclosure of your information. You are entitled to question its accuracy and completeness, and its uses.
  10. Challenging Compliance. You are entitled to question the Privacy Officer about our compliance with any of these principles.
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Our Privacy Code Protects your Personal Information

Your Personal Information
We hold personal information about members to help us meet and maintain the highest standards of financial service. This information can include your name, address, age, income, use of accounts and credit history, as well as the relationship of others linked to you in account services.

We obtain this information from you directly, and from the product and service arrangements you have made with or through us. Information is also obtained from credit bureaus, other financial institutions and from the references you provide us.

We Only Collect What We Need
We only collect personal information from you for the following purposes:

  • To understand your needs and to develop, offer and manage products and services that meet those needs;
  • To determine the suitability and your eligibility for member products and services;
  • To evaluate your credit standing and to share or exchange reports and information with credit reporting agencies;
  • To detect and prevent fraud, and to help safeguard the financial interests of the Caisse and its members;
  • To meet legal and regulatory requirements.

Safeguarding
We have security safeguards and standards in place to protect your information against unauthorized use and access.

Your information is retained for as long as required and then destroyed.

We May Ask Others For Information About You
Most information is obtained directly from you, but with your consent, we may ask a third party for information about you.

Example: if you are applying for a loan, we may contact the credit bureaus for information about your credit history.

We May Share Information
To provide you with a service, we may release information about you to our affiliates and other financial service partners.

Example: if you are requesting to have your personal information printed on your cheques, we must provide the cheque production company with the information.

Some of our affiliates and financial service partners include: Visa Desjardins, Desjardins Financial Security, Credit Union Members Insurance Society, Credential Group, Ethical Funds Inc., and others.

Limiting Your Consent
If you wish to limit your consent you can obtain the Privacy Exception Form at your Caisse. This form provides you with an opportunity to limit the uses and disclosures of your personal information. You can mail, fax or personally return it to us.

Note: You can limit or withdraw your consent at any time, subject to legal or contractual obligations. For example, your Caisse is required by law to provide a record of your interest earnings information to the Canada Customs and Revenue Agency.

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Protecting your Privacy over the Internet

Password
Whenever you receive a temporary password we strongly encourage you to change it, as soon as possible, to something confidential and private, which only you would know. When changing passwords, you should avoid anything that includes information someone else knows or has access to, such as birth dates, addresses, numbers found in your wallet or words associated with you. Your passwords are private and absolutely no one has the authority to obtain them from you at any time, including Caisse staff or officials. Do not tell anyone your password. Your browser may give you the option of saving passwords for you, but for security reasons we do not advise you to use it.

Cookies
Web sites often collect non-personal information in small text files called "cookies" when you enter web sites. Some sites will place a cookie on your system so you don't have to identify yourself by entering a password each and every time you visit a site. The Caisse uses session cookies on its sites, which are only stored for the length of time you are in the site and are used only to provide easier access while there. They are not used to identify users or to track usage. If you use the browser's option of saving a password, it will be saved in a cookie.

Browser Encryption
We require that 128-bit encryption be used when conducting financial transactions over the Internet. While every effort is made, through the use of industry recognized security standards, to continually protect personal information from misuse and alteration, the Caisse and its affiliates do not guarantee the security of your information over the Internet. If your browser does not support 128-bit encryption, you will have to download and install a version of your browser that supports it

Cache
Always log out of any site where you have viewed or sent personal or financial information. For added security and privacy, clearing your browser's cache at the end of every on-line session is a good habit to get into. The purpose of caching is to make your browser more efficient by eliminating the need for it to reload previously viewed pages every time you visit. However, it also allows anyone to view those pages. You can clear your cache by deleting items in the Temporary Internet Files folder in your file manager, or through the browser itself.

E-mail
When you forward e-mail to the Caisse, we recommend that you use caution and do not include confidential information in those messages, as they are not encrypted. E-mail is very similar to that of a post card and along the way someone can read every word that has been written.

Upon receipt of your e-mail, we may store your correspondence and exact e-mail address for future communications directly with you. Under no circumstances do we sell e-mail addresses or share them with any other party.

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Who to contact?

Your Caisse Board of Directors has appointed a Privacy Officer for any concerns on privacy issues.

The Privacy Officer
The Caisse Privacy Officer is your point of contact if you wish to raise any matters regarding the use of your personal information.

The Privacy Officer is responsible for monitoring information collection and data security, and ensures that other Caisse staff receives appropriate and ongoing training on privacy issues and their responsibilities under the Code. The Privacy Officer also handles all privacy inquiries and personal information access requests under the Code.

Ultimate responsibility for our compliance with the Code rests, however, with the Caisse Board of Directors.

Concerns on Privacy Issues
In most cases concerns on privacy issues can be resolved by contacting your branch. However if a problem is not resolved to your satisfaction you should contact the Privacy Officer at your Caisse by either mail, e-mail, phone, fax or in person. Click on your Caisse to view their details.

Caisse Financial Group

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For Technical Assistance, call 1-888-273-3488 or Email Online TechSupport