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Code For The Protection of Personal Information

(French Version)

Maintaining the privacy of our clients and employees has been an integral part of our daily operations since our inception. We are committed to ensuring the accuracy, confidentiality and security of the information we hold about you. This is more than simply a legal requirement; it is an ethical obligation we readily accept. To learn more please see our "Privacy Policy."

Concentra* is part of the co-operative financial system. The Company is a federally regulated financial institution and, as such, has a responsibility to be open and accessible while, at the same time, demonstrating the greatest respect for protection of the personal privacy of individuals.

In adopting this Code for the Protection of Personal Information, what has been accepted practice becomes a documented commitment to the individual.


Ten interrelated principles form the basis of Concentra's Code for the Protection of Personal Information.

  1. Accountability

    Concentra is responsible for personal information under its control and shall designate an individual who is accountable for the Company's compliance with the principles of the Code.

  2. Identifying Purposes

    When establishing a new or enhanced client relationship the purposes for which personal information is collected shall be identified at or before the time the information is collected.

  3. Consent

    The knowledge and consent of the individual are required for the collection, use, or disclosure of personal information, except as otherwise required or permitted by law.

    With respect to personal information collected before the publication of this Code, Concentra will make reasonable efforts to ensure that individual clients have the opportunity to expressly indicate their withdrawal of consent.

    An individual may withdraw his/her consent to the collection, use or disclosure of information at any time subject to legal or contractual restrictions and reasonable notice.

  4. Limiting Collection

    The collection of personal information shall be limited to that which is necessary for the purposes identified by Concentra. Information shall be collected by fair and lawful means.

    Concentra may collect information from external sources, such as credit reporting agencies and income sources, identified to Concentra for these purposes.

  5. Limiting Use, Disclosure, and Retention

    Personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required by law. Personal information shall be retained only as long as necessary for the fulfillment of those purposes.

  6. Accuracy

    Personal information shall be as accurate, complete, and up-to-date as is necessary for the purposes for which it is to be used. Concentra will generally rely on individual customers to provide updated information such as changes to the customer addresses and other contact information.

  7. Safeguards

    Personal information shall be protected by security safeguards appropriate to the sensitivity of the information. Concentra will take the same standard of care as it takes to safeguard its own confidential information of a similar nature.

    Employees are individually required to sign an Oath of Office & Confidentiality, including a commitment to keep an individual's personal information in strict confidence.

  8. Openness

    Concentra shall make readily available to individuals specific, understandable information about its policies and practices relating to the management of personal information.

  9. Individual Access

    Upon a request in writing, an individual shall be informed of the existence, use, and disclosure of his/her personal information, and shall be given access to that information, except where the law requires or permits Concentra to deny access. An individual is entitled to question the accuracy and completeness of the information and have it amended as appropriate. An individual may incur a cost for his/her request only if Concentra has informed the individual of the cost and the individual agrees to proceed with the request.

  10. Challenging Compliance

    An individual shall be able to question Concentra's compliance with the above principles. Such inquires shall be directed to the Privacy Officer at:

    Concentra Bank
    333 - 3rd Avenue North, Saskatoon SK S7K 2M2
    Telephone: 1-800-788-6311, Facsimile: (306) 652-7614

*Concentra refers to Concentra Bank and its affiliates, including (without limitation) Concentra Trust, a wholly-owned subsidiary of Concentra Bank. Both entities are governed by the provisions and practices stated herein.

Understanding Your Privacy Rights (Includes Restrictions On Use of Personal Information Form)