Vancouver Firefighters Credit Union (“VFFCU”, “we”, “us”, “our”) is committed to protecting your privacy. This policy explains how we collect, use, disclose, and safeguard your personal information in compliance with British Columbia’s Personal Information Protection Act (PIPA) and Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA).

Scope

This policy applies to personal information collected through our website (including forms such as “Join Now” and “Speak With an Advisor”), by email or phone, and in-branch interactions related to membership and services.

What We Collect

• Contact details (e.g., name, email, phone, preferred contact time)

• Membership eligibility information (e.g., firefighter status, department/affiliation, relationship to a member)

• Application information you provide in forms (e.g., goals, questions, service interests)

• Technical data (e.g., IP address, device/browser info, pages viewed) collected via cookies or analytics tools if enabled

How We Use Your Information

• To assess membership eligibility and process applications

• To respond to inquiries and provide lending/investing guidance you request

• To deliver and improve our products, services, and website experience

• To comply with legal and regulatory requirements, including identity verification obligations

Consent

By submitting a form, contacting us, or using our website, you consent to our collection, use, and disclosure of personal information as described in this policy. You may withdraw consent at any time, subject to legal or contractual restrictions; we’ll explain any implications of such withdrawal.

Cookies & Analytics

If we use cookies or analytics (e.g., to understand site traffic), they may collect limited technical data. You can adjust your browser settings to refuse cookies; some features may not function as intended without them.

Disclosure of Information

We do not sell your personal information. We may disclose it to:

• Service providers (e.g., secure hosting, analytics, communications) who process information on our behalf under confidentiality safeguards

• Regulators or law enforcement where required by law or to protect our rights or members

• Affiliated credit union entities as needed to deliver requested services, subject to applicable privacy laws

Storage, Location & Transfers

Personal information may be stored in Canada or other jurisdictions by our service providers. Where information is processed outside BC/Canada, it may be subject to local laws. We use contractual and technical safeguards to help protect your information wherever it is processed.

Retention

We retain personal information only as long as necessary to fulfill the purposes above and meet legal, regulatory, or audit requirements. When no longer required, we securely delete or anonymize it.

Security

We use administrative, technical, and physical safeguards appropriate to the sensitivity of the information to protect against loss, theft, unauthorized access, disclosure, copying, use, or modification.

Your Rights

You have the right to request access to and correction of your personal information in our custody or control, and to ask questions about our privacy practices.

Contact Us

Vancouver Firefighters Credit Union
#2–2801 Quebec Street, Vancouver, BC V5T 3A9
Phone: 604-874-4911 | Toll-free: 1-855-874-4911
Email: info@vanfirecu.com

Updates to This Policy

We may update this policy from time to time. Changes will be posted on this page with an updated effective date. Material changes will be communicated where required by law.