Privacy

Effective date: March 8, 2019

Moya Financial Credit Union Limited operates the Moya Financial website (herein referred to as “the website”).

This page informs you of Moya Financial’s policies regarding the collection, use, and disclosure of personal data when you use the website and the choices you have associated with that data collection.

Moya Financial uses your data to provide and improve the website. By using the website, you agree to the collection and use of information in accordance with this Privacy Policy. Unless otherwise defined in this policy, the terms used in this policy have the same meanings as in the credit union’s Terms and Conditions, accessible at Privacy.

DEFINITIONS

• The website. The website is the Moya Financial website operated by Moya Financial Credit Union.
• Personal data. Personal data means data about a living individual who can be identified from that data (or from that data and other information either in Moya Financial’s possession or likely to come into its possession).
• Usage data. Usage data is data collected automatically and is either generated by using the website or by the website infrastructure itself (for example, the duration of a page visit).
• Cookies are small files stored on your device (computer or mobile device) that may include an anonymous unique identifier.

INFORMATION COLLECTION AND USE

Moya Financial collects several different types of information for various purposes to provide and improve its service to you.

Types of Data Collected

Personal Data

While you are using the website, Moya Financial may ask you to provide certain personally identifiable information that can be used to contact or identify you (personal data). Personally identifiable information may include, but is not limited to,

• Email address
• First name and last name
• Phone number
• Street address, province, postal code, city
• Cookies and usage data

Moya Financial may use your personal data to contact you with newsletters, marketing or promotional materials, or other information that may interest you. You may opt out of receiving any or all of these communications from Moya Financial by following the “unsubscribe” link or the instructions provided in any email Moya Financial sends you.

Usage Data

Moya Financial may collect information on how the website is accessed and used (usage data). This usage data may include information such as your computer’s Internet protocol (IP) address, browser type, browser version, the pages of the website that you visit, the time and date of your visit, the amount of time spent on those pages, unique device identifiers, or other diagnostic data.

Tracking Cookies Data

Moya Financial uses cookies and similar tracking technologies to track activity on the website. Moya Financial holds certain of that information.

Cookies are files with a small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser by websites and are stored on your device. Other tracking technologies are also used, such as beacons, tags, and scripts, to collect and track information and to improve and analyze the website.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of the website.

Examples of Cookies Moya Financial uses:

• Session cookies, to operate the website;
• Preference cookies, to remember your preferences and various settings; and
• Security cookies, for security purposes.

USE OF DATA

Moya Financial Credit Union uses the data it collects for various purposes:

• To provide and maintain the website;
• To notify you about changes to the website;
• To allow you to participate in interactive features of the website when you choose to do so;
• To provide customer support;
• To gather and analyze valuable information so that Moya Financial can improve the website;
• To monitor the use of the website;
• To detect, prevent, and address technical problems; and
• To provide you with news, special offers, and general information about other goods, services, and events that Moya Financial offers that are similar to those you have already purchased or enquired about, unless you have opted not to receive such information.

TRANSFER OF DATA

Your information, including personal data, may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction, where data protection laws may differ from those of your jurisdiction.

If you are located outside Canada and choose to provide information to Moya Financial, please note that Moya Financial transfers the data, including personal data, to Canada and process it there.

Your consent to this Privacy Policy, followed by your submission of such information, represents your agreement to that transfer.

Moya Financial Credit Union will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy. No transfer of your personal data to an organization or a country will take place unless there are adequate controls in place, including the security of your data and other personal information.

DISCLOSURE OF DATA

Disclosure for Law Enforcement

Under certain circumstances, Moya Financial Credit Union may disclose your personal data if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).

Legal Requirements

Moya Financial Credit Union may disclose your personal data in the good-faith belief that such action is necessary to

• Comply with a legal obligation;
• Protect and defend the rights or property of Moya Financial Credit Union;
• Prevent or investigate possible wrongdoing in connection with the website;
• Protect the personal safety of users of the website or the public; or
• Protect against legal liability.

Security of Data

The security of your data is important to Moya Financial but no method of transmission over the Internet or method of electronic storage is 100% secure. While Moya Financial strives to use commercially acceptable means to protect your personal data, it cannot guarantee your data’s absolute security.

Service Providers

Moya Financial may employ third-party companies and individuals to facilitate the website service (“service providers”), provide the service on Moya Financial’s behalf, perform website-related services, or assist Moya Financial in analyzing how the website is used.

These third parties have access to your personal data only to perform these tasks on Moya Financial’s behalf and are obligated not to disclose or use it for any other purpose.

Analytics

Moya Financial may use third-party service providers to monitor and analyze the use of the website.

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of the website. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt out of making your activity on the website available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visit activity.

For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en.

LINKS TO OTHER SITES

The website may contain links to other sites that are not operated by Moya Financial. If you click a third-party link, you will be directed to that third party’s site. Moya Financial strongly advises you to review the Privacy Policy of every site you visit.

Moya Financial has no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

CHANGES TO THIS PRIVACY POLICY

Moya Financial may update this Privacy Policy from time to time. Moya Financial will notify you of any changes by posting the new Privacy Policy on this page.

Moya Financial will let you know via email and/or a prominent notice on the website, prior to the change becoming effective, and will update the “effective date” at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

CONTACT US

If you have any questions about this Privacy Policy, please contact Moya Financial:

• By email: [email protected]
• By visiting this page on the website: https://www.moyafinancial.ca/contact-us/
• By phone: 416-255-1742
• By mail: 747 Brown’s Line, Toronto, ON M8W 3V7