Privacy Statement

Last Amended: October 7, 2024

Protecting your privacy is important to Central 1. This Online Privacy Statement (the “Privacy Statement”) explains how Central 1 collects, uses and discloses the personal and non-personal information you may provide, or that we may collect, while using Central 1’s website at www.central1.com (the “Website”) and the services it provides (the “Services”).

This Privacy Statement also applies to all other client websites within the Central1.com domain, including:

Economics Centre (economics.central1.com)
Client Centre (clients.central1.com)
Research Centre (research.central1.com
Member Centre (members.central1.com)
Payments Centre (payments.central1.com)
Treasury Knowledge Centre (treasury.central1.com)
Digital Banking Centre (digitalbanking.central1.com)
Central 1 forms (formsandmanuals.central1.com)
IFRS 9 Platform Client Hub (ifrs9.central1.com)

1. Consent

By using the Website or the Services, or by submitting your personal information to Central 1 or to the Website, you signify your consent to the collection, use, and disclosure of your personal information in accordance with this Privacy Statement. If you do not consent to the collection, use, and disclosure of your personal information in accordance with this Privacy Statement, you may not use the Website or the Services, or submit your personal information to Central 1 or the Website. Note that certain services can only be offered to you if you provide personal information to Central 1 and therefore Central 1 may not be able to provide you those services if you choose not to provide Central 1 with personal information.

2. Information Collection and Tracking Technologies

The Website automatically collects certain information during your visit to help us understand and enhance your experience. This information includes details such as the date and time of your visit, the website you linked from, the browser you are using, and the Website pages you visit or content you access. Additionally, we collect the Internet Protocol (IP) address of your computer or device you are using, which is considered personal information under Canadian Privacy law. Collection of IP addresses is a standard practice in Canada and helps us with system administration purposes such as analyzing trends, managing our website, tracking user behaviour, and gathering demographic data for internal use, including statistical assessments, website improvements, and enhancing the user experience. Non-personal information may be disclosed to other persons and permanently archived for future use. If non-personal information is combined with personal information, it will be treated as personal information.

The Website uses functional cookies and various tracking technologies that utilize cookies, including Google Analytics, Microsoft Clarity and Pardot to gather additional information about user interaction with the Website. If you choose to reject all tracking cookies when visiting the Website, you will automatically opt-out of the cookies used by these tracking technologies as described below.

Functional Cookies: Cookies are a technology that stores information on a user’s computer to permit the Website to recognize future visits using that computer. Cookies enhance the convenience of the Website. For instance, the information provided through cookies is used to recognize you as a previous user of the Website, offer personalized content, and generally facilitate your experience using the Website. You may choose to disable functional cookies in your browser settings, or by rejecting the cookie notice displayed on the Website, but doing so may affect your ability to access or use certain features of the Website. For example, some cookies are necessary for us to remember your preferred settings.

Google Analytics: Central 1 uses Google Analytics to gain insights about how visitors use the Website. Google Analytics collects information such as how often users visit the Website, what pages they visit, and the site they used before arriving at the Website. This information helps us understand user behaviour and preferences, enabling us to improve our product and service information. Google Analytics operates independently from Central 1, and Google’s use of the data it collects is governed by its own privacy policy. You may opt out of Google Analytics tracking by rejecting the cookie notice displayed on the Website.

Microsoft Clarity: We utilize Microsoft Clarity to capture how you use and interact with our website through behavioural metrics, heatmaps, and session replay to improve and market our products/services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. For more information about how Microsoft collects and uses your data, please refer to the Microsoft Privacy Statement. You may opt out of Micosoft Clarity tracking by rejecting the cookie notice displayed on the Website.

Pardot: Pardot, a tool provided by Salesforce, is a marketing automation platform that helps us manage and track visitor engagement on the Website. Pardot uses cookies to track visitors’ activities, such as which pages they visit and what forms they fill out. This information allows us to better understand user interests and deliver more personalized content and communications. The data collected by Pardot is governed by Salesforce’s privacy policy. You may opt out of Pardot tracking by rejecting the cookie notice displayed on the Website.

3. Personal Information You Provide

Personal Information: In this Privacy Statement, “personal information” is information about an identifiable individual, such as your name, address, and email address. To the extent permitted by law, the provisions of this Privacy Statement concerning “personal information” do not apply to information that enables you to be contacted at a place of business (such as your business telephone number and business email address).

Use of Your Personal Information: During your use of the Website, you may be asked to voluntarily provide personal information for purposes such as corresponding with you, providing Services to you, entering promotional contests, or other purposes specified at the time of collection. Personal information we collect to use for these purposes includes your name, email, job title, social media handles and/or name of your workplace. Central 1 will not use your personal information for purposes other than those for which it is collected, except with your consent or as permitted or required by applicable law. Additionally, Central 1 may keep a record of all communications with you.

Disclosure of Your Information: Central 1 may disclose your personal information as required or permitted by applicable law, or to its agents, suppliers and service providers for use in connection with matters relating to your use of the Website, Central 1’s provision of Services to you, or otherwise as specified by Central 1 at the time of collection. Central 1 may also disclose your personal information to other persons at your request, with your consent, or in connection with an investigation or proceeding to investigate or protect you and other persons and Central 1 from error, risk, fraud, or criminal activity. Central 1 will not sell or rent your personal information to any third party. Central 1 has no control over, and no responsibility or liability for, those persons’ use and disclosure of your personal information, and that use and disclosure is not subject to this Privacy Statement.

Use of Your Contacts’ Personal Information: During your use of the Website, you may be asked to voluntarily provide personal information of third parties for the purposes of referring the Services or a promotional contest, or sending a job posting or other specified purposes. If you provide personal information of another individual to Central 1, you represent that prior to providing the personal information, you have obtained consent or authority to permit Central 1 to collect, use and disclose such information for the purpose set out in this Privacy Statement, or as required or permitted by applicable law. If you provide a third party’s personal information, Central 1 will automatically send such third party a one-time email inviting him or her to visit the Website or for the specified purpose. The third party’s information will be retained by Central 1 for the purpose of providing the one-time email.

Depersonalized Information: Central 1 may use your personal information to create non-personal information regarding the use of the Website and the Services. We may use and disclose this aggregate data to better understand our overall user base and for other purposes in our sole discretion. Central 1 may permanently retain non-personal information for future use.

Withdrawing Consent: You may withdraw your consent to the use and disclosure of your personal information, but doing so may mean that Central 1 cannot provide services to you. To withdraw consent, please contact Central 1’s Privacy Officer.

Retention of Your Information: Central 1 retains your personal information for as long as required to fulfill the purposes for which it was collected or as may be required by law. When no longer required, your personal information will be destroyed, anonymized, or disposed of using secure methods.

Location of Information: Central 1 will store and process your personal information in secured locations. The personal information is stored and processed in Canada. However, the disclosure of your information in accordance with this Privacy Statement and applicable law may result in your personal information being transferred outside of Canada, including to the United States. The laws of other countries regarding the collection, use, and disclosure of personal information may be different from the laws of Canada. Your use of the Website indicates your consent to your personal information being transferred outside of Canada and subject to the laws of these other jurisdictions.

Safeguarding Your Information: Central 1 has reasonable security safeguards to protect personal information against loss or theft, unauthorized access, disclosure, copying or modification. Nevertheless, you should be aware that security risks cannot be eliminated and Central 1 cannot guarantee that your personal information will not be used or disclosed in ways not otherwise described in this Privacy Statement.

4. Access, Corrections, and Complaints

Accessing or Correcting Your Personal Information: You may request access to your personal information and information about Central 1’s collection, use and disclosure of that information by sending your request to Central 1’s Privacy Officer. Subject to certain exceptions and limitations prescribed by applicable law, you will be given reasonable access to your personal information, and will be entitled to request changes to the personal information we have about you to ensure accuracy and completeness of the information. You can help Central 1 maintain the accuracy of your information by notifying Central 1 of any changes.

Complaints: Central 1 will investigate all reasonable written complaints or inquiries about the policies and practices relating to the collection, use and disclosure of personal information. You can direct complaints to Central 1’s Privacy Officer.

Contacting Central 1’ s Privacy Officer: Central 1’s Privacy Officer may be contacted by email at privacy@central1.com or in writing to “Privacy Officer”, Central 1 Credit Union, 1441 Creekside Drive, Vancouver, British Columbia, Canada, V6J 4S8.

5. Other Matters

Other Websites: The Website may contain links to other websites or Internet resources. When you click on one of those links you are contacting another website. Central 1 has no control over, and no responsibility or liability for, other websites or their collection, use and disclosure of your personal information.

Former Users: If you cease using the Website or your permission to use the Website is terminated, Central 1 may continue to use and disclose your personal information in accordance with this Privacy Statement as amended.

Privacy Statement Changes: This Privacy Statement may be changed from time to time in Central 1’s sole discretion and without any prior notice or liability to you or any other person. The collection, use, and disclosure of your personal information will be governed by the version of this Privacy Statement in effect at that time. New versions of the Privacy Statement will be posted on the Website and will be available upon request from Central 1. Your continued use of the Website subsequent to any changes to this Privacy Statement will signify your consent to the collection, use, and disclosure of your personal information in accordance with the changed Privacy Statement. Accordingly, when you use the Website, you must check the date of this Privacy Statement and review any changes since the last version.