Your privacy is important to us.
We are committed to protecting your privacy and safeguarding your personal and financial information. While the Internet is revolutionizing the way that we do business – providing convenient access to financial services from your home or office – we also recognize that it may bring legitimate concerns about privacy and security.
Please refer to our Privacy Code below to learn about our commitment to your privacy.
Privacy Brochure
To ensure that you are the only person who accesses your personal information, we restrict access to the MemberDirect site by requiring you to enter your Login ID and PAC to login. Only you know your PAC. Our employees do not have access to your PAC, and they will not ask you to reveal it. If someone does ask you to provide your PAC to them, you should refuse to do so and contact us immediately.
You are responsible to ensure that your Login ID and PAC are not disclosed to any other person. If you disclose your Login ID or PAC to any other person or become aware of or suspect any unauthorized activity has occurred or that your PAC or PIN may have been compromised, you are responsible to notify Radius Credit Union Limited immediately by contacting us in person or by telephone.
The practice of accessing your account information through publicly accessible computers and public wireless networks is strongly discouraged. The use of computers at locations such as Internet cafes, public libraries, hotel lobbies and public wireless networks such as “hotspots” to name a few examples, greatly increases the risk of possible unauthorized access to your accounts. Use of these access points are to be avoided.
In the case of accessing Business Accounts and Services, by the act of designating a person as a Business User, the business is authorizing that person to view information about the Business and if online transactions are permitted through the service, also authorizing to carry out online transactions on behalf of the Business, the Business accepts the responsibility for all losses that may arise from a Business Users misusing his or her authority in any way, either purportedly on the Business’ behalf or for personal or other purposes. The Business and individual Business User will ensure that the Business User meets any eligibility or other requirements for online access that are communicated by us as part of the application process. The Business is also responsible for ensuring that any changes with respect to who is the authorized or designated Business User are appropriately managed by the Business and that passwords and other applicable user id or access information is managed accordingly.
Website Privacy
On our website, we collect only personal information that is 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.
You can visit all public areas of our site without providing any personal information. Our site collects only non-personal information based on a visitor's 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.
Our website contains links to other web sites that are part of, affiliated with, or have a business relationship with Stoughton Credit Union. 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 Stoughton Credit Union 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.
To communicate with us electronically, we strongly recommend that you use our Contact Us form feature. This feature provides a secure channel for sending us comments, questions or instructions.
General email is not secure since it passes through many points on its route from you to us. If you are using general email to communicate with us, we strongly recommend that you do not include personal financial information (such as account numbers) within the email as we cannot guarantee its confidentiality enroute to us.
When you email us your comments, questions or instructions, any information provided by you will be used only 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.
Our use of Cookies
We also use a key web technology called cookies. A cookie is a small information token that sits on your computer. As you use our Internet banking site, cookies are passed back and forth between our server and your browser. While cookies can be used for a variety of reasons, we only use cookies where they are of benefit to our account holders.
Specifically, we use two kinds of cookies – session cookies and persistent cookies. A session cookie exists only for the length of your browsing session and is deleted when you close your browser. A persistent cookie is a cookie that stays on your computer after you close your browser. A persistent cookie may or may not expire on a given date.
We use a session cookie to maintain the integrity of your Internet banking session. With each page that you visit, the cookie is passed back and forth between our server and your browser. We use the cookie to distinguish your session from the many others that may be happening at the same time. Our session cookies never store any personal information, such as your name, or date of birth, or financial information, such as your accounts and balances.
Most recent browser versions allow the user to set some level of control over which cookies are accepted and how your browser uses them. Many browsers will allow you to accept cookies from only known, reliable sites that you select, such as our Internet banking site. If you are concerned about cookies, we encourage you to upgrade your browser to a recent version and review the Help section of your browser to learn more about its specific control features.
Memorized Accounts Feature
We use a persistent cookie to store information to help you personalize our Internet banking site and to make it easier to use. For example, we allow you to make the login easier by remembering your Login ID within our Memorized Accounts feature. Since the Memorized Accounts feature is optional, this cookie only contains information that you have entered into it. We recommend that you do not use the Memorize Accounts feature on publicly available computers (such as at Internet cafes, airports or public libraries, or a home or office computer if it is accessible by persons other than yourself) to access our Internet banking site.
Logout Button
To help ensure that someone cannot access your personal information, always exit our Internet banking site using the “log out” button located at the top of every page and close your browser if you step away from your computer (since your browser may retain information you entered in the login screen and elsewhere until you exit the browser). When you exit using the log out button, we delete your session cookie so that your session cannot be resumed unless your Login ID and PAC are re-entered.
Enhanced Security Feature
Our Enhanced Security feature provides you even greater control over your privacy.The Enhanced Security Feature prevents your browser from caching (storing in the computer’s memory) those pages that you have viewed. Should you click on the “Back” button to view a previous page during a session, the page will be recalled directly from our server. Therefore, when you log out, no one will be able to view your information by clicking on the Back button, or by viewing the browser’s History.Once again, it is important to remember to always exit our Internet banking site using the log out button and close your browser if you step away from your computer. Also, please note that the Enhanced Security Feature does not prevent the caching of .pdf files.
Automatic Session Time-outs
In the event that you leave your computer without logging out, our Internet banking site has been designed to end your session automatically if our system detects that you have not provided any instructions or used the browser buttons to navigate for several minutes. To restart the session, you will need to provide your PAC again.
Mobile App Permissions
The following list of permissions and activities are required by our mobile app to operate. These include:
Contact UsOur use of Cookies
We also use a key web technology called cookies. A cookie is a small information token that sits on your computer. As you use our Internet banking site, cookies are passed back and forth between our server and your browser. While cookies can be used for a variety of reasons, we only use cookies where they are of benefit to our account holders.
Specifically, we use two kinds of cookies – session cookies and persistent cookies. A session cookie exists only for the length of your browsing session and is deleted when you close your browser. A persistent cookie is a cookie that stays on your computer after you close your browser. A persistent cookie may or may not expire on a given date.
We use a session cookie to maintain the integrity of your Internet banking session. With each page that you visit, the cookie is passed back and forth between our server and your browser. We use the cookie to distinguish your session from the many others that may be happening at the same time. Our session cookies never store any personal information, such as your name, or date of birth, or financial information, such as your accounts and balances.
Most recent browser versions allow the user to set some level of control over which cookies are accepted and how your browser uses them. Many browsers will allow you to accept cookies from only known, reliable sites that you select, such as our Internet banking site. If you are concerned about cookies, we encourage you to upgrade your browser to a recent version and review the Help section of your browser to learn more about its specific control features.
Memorized Accounts Feature
We use a persistent cookie to store information to help you personalize our Internet banking site and to make it easier to use. For example, we allow you to make the login easier by remembering your Login ID within our Memorized Accounts feature. Since the Memorized Accounts feature is optional, this cookie only contains information that you have entered into it. We recommend that you do not use the Memorize Accounts feature on publicly available computers (such as at Internet cafes, airports or public libraries, or a home or office computer if it is accessible by persons other than yourself) to access our Internet banking site.
Logout Button
To help ensure that someone cannot access your personal information, always exit our Internet banking site using the “log out” button located at the top of every page and close your browser if you step away from your computer (since your browser may retain information you entered in the login screen and elsewhere until you exit the browser). When you exit using the log out button, we delete your session cookie so that your session cannot be resumed unless your Login ID and PAC are re-entered.
Enhanced Security Feature
Our Enhanced Security feature provides you even greater control over your privacy.The Enhanced Security Feature prevents your browser from caching (storing in the computer’s memory) those pages that you have viewed. Should you click on the “Back” button to view a previous page during a session, the page will be recalled directly from our server. Therefore, when you log out, no one will be able to view your information by clicking on the Back button, or by viewing the browser’s History.Once again, it is important to remember to always exit our Internet banking site using the log out button and close your browser if you step away from your computer. Also, please note that the Enhanced Security Feature does not prevent the caching of .pdf files.
Automatic Session Time-outs
In the event that you leave your computer without logging out, our Internet banking site has been designed to end your session automatically if our system detects that you have not provided any instructions or used the browser buttons to navigate for several minutes. To restart the session, you will need to provide your PAC again.
Mobile App Permissions
The following list of permissions and activities are required by our mobile app to operate. These include:
- “Access Camera” permission is used by the app to deposit a cheque via mobile deposit capture, store a custom profile picture and background.
- “Access Location” permission is used by the app to accurately locate the nearest ATM or branch in the “Find Us” feature.
- “Call Permission” is used to automatically call the user’s preferred branch by tapping on the phone number in the “Find Us” feature.
- “Contact List” permission is used to set up new Interac e-Transfer® contacts and send an Interac e-Transfer®. Only the device contact information a user confirms is readable by Interac.
- “Internal Storage” permission is required to view, share and download PDF files from the mobile app to a user’s device.
- “App Activities” uses mobile app interaction data for analytics on usage and crash information for the current app version. We also monitor application stability using the crash logs to make ongoing improvements. Data collected on app activities, information and performance is completely anonymous and aggregated – individual users are not identifiable.
We welcome any questions or concerns about your privacy relating to use of our website. Please use the Contact Us form to submit your questions or comments.
As we continue to expand our online banking service to serve you better, and as new Internet technologies become available, we may update the information on this page at any time, to reflect changes.
