The Electricity Credit Union Ltd (ABN 50 087 650 986) understands the importance
of protecting your privacy and we are committed to complying with the Privacy
Act 1988 and the National Privacy Principles. A copy of our Privacy Policy is
available on request.
Members can be assured that we only collect personal information that is necessary
for us to carry out the various functions and activities we undertake to provide
you with products and services.
We value the strong relationship we have with our Members and we are committed
to protecting the confidentiality and privacy of members' personal information.
We take all possible steps to ensure that your information is not disclosed
to or accessed by unauthorised persons.
How and why we collect your personal information
We collect personal information from you when you apply for membership
and when you apply for or use our products and services. We collect it so we
can:
give you information to which you are entitled as a Member; and
supply to you, and administer, the products and services you require.
Performing administrative functions, including accounting, risk management, record keping, archiving, systems development, credit scoring and staff training;
We also collect it so that we can give you marketing information, unless you do not consent to that and advise our Privacy Officer accordingly (see below for contact details).
Personal information about third parties
You agree that, if at any time you supply us with personal information about
another person (for example, a referee), you are authorised to do so and you
agree to inform that person who we are, that we will use and disclose their
personal information for the purposes set out in this statement, and that they
can gain access to that information.
If your personal information is not provided
If you do not provide us with all of the information we request we may be unable
to accept your application for membership or to supply to you the product or
service that you require.
Marketing Information
We may, with your consent, use your personal information to give you information,
that may be of interest to you, about the other products and services that are
available from us, from our related entities, and from other businesses with
which we or our related entities have relationships. Your consent will be implied
unless you notify us that you do not consent to your information being used
for this purpose. You can notify us by contacting our Privacy Officer whose
contact details are shown below.
Web Site
When you visit our website, (www.ecu.com.au) the credit union uses session cookies
to track where users go on our site. Our cookies tag each visitor's browser
with a random, unique number. The cookie simply assigns a number and does not
disclose any personal information about the person using the browser. By noting
where these uniquely numbered browsers go on our site, we can study traffic
patterns and improve our site. If you visit the website to complete an online
form such as the loan application form or to send us an email, we will record
the information you give us, including your email address.
Internet Banking
The Credit Union's ETeller Internet Banking facility uses Secure Sockets Layer
(SSL) protocol to safeguard your information during online transactions. This
128-bit SSL protocol allows for messages to be encrypted (scrambled) so that
the information sent between your computer and ours is meaningless to anyone
else. Our server will run detection software to help ensure you are using a
secure browser and your information is secure. If our browser determines you
are not using a secure browser, you will not be able to access ETeller.
When we may give personal information to other organisations
Sometimes we may need to give some personal information about you to other organisations
who provide services that assist us in supplying to you, or in administering,
the products and services you require.
For example, the Credit Union may pass on a change of name, a new address,
phone number or other personal information to another entity with which you
may have dealings through the Credit Union; eg Health Insurance or other insurance
companies who provide Credit Union Members with general, life, accident or loan
protection insurance policies etc.
In addition, the Credit Union may contract out some services that involve disclosing
personal information about you to other organisations.
Examples of such organisations are our related entities, card and cheque book
suppliers, electronic funds transfer switch companies, printing and mailing
houses, insurers, valuers, legal advisors, collection agents, conveyancers and
settlement agents, and various third party suppliers of financial services (eg
bank cheques, drafts, travellers cheques etc). These organisations may only
use the information to the extent necessary to provide the services we require.
Sometimes we may be required to give some personal information about you to
other organisations to comply with our legal obligations. Examples of such organisations
are our auditors and legal advisors, APRA, Austrac, and the Australian Taxation
Office.
Your access rights, and how to contact us
The Privacy Act gives you rights to access the personal information we hold
about you and you can obtain this information by providing us with a written
request. You can ask us to correct the information if it is inaccurate. More
information is set out in our Privacy Policy.
To contact the Credit Union about privacy issues or consents please contact our Privacy Officer as shown below:
The Privacy Officer,
Electricity Credit Union Ltd,
93 Sheridan Street,
Cairns Qld 4870,
PO Box 6125 Cairns Qld 4870
Phone: (07) 4046 8208
Email: smitherr@ecu.com.au
Fax: (07) 4046 8308
Web Site www.ecu.com.au