COLLECTION, USE, AND DISCLOSURE STATEMENT ("PRIVACY STATEMENT")
We Want You To Know:
- Why we collect your Personal Information;
- How we use and protect your Personal Information;
- The circumstances in which your Personal Information may be disclosed; and
- How you may request access to your own Personal Information
ATB Financial is committed to protecting the Personal Information of our customers and has prepared this Privacy Statement to better serve you.
Personal Information is any information that identifies you as an individual. It does not include business contact information used for business purposes.
Personal Information that we collect, use, and disclose to and from you or other sources may include but is not limited to your name, address, date of birth, gender, personal references, employment records, unique identification numbers (including social insurance number, driver's licence, birth certificate, passport) and personal financial records, including your credit history.
Your request for or use of ATB Financial products and services is your acknowledgement of the following:
Collecting Your Personal Information
ATB Financial will treat your Personal Information in accordance with applicable privacy legislation and any written agreement between you and ATB Financial.
All Personal Information that you have provided to ATB Financial is
true, accurate, and complete. This applies to all Personal Information
that you give in the future in connection with any application or
agreement for products and services.
You agree to help keep the Personal Information held by ATB
Financial up-to-date through prompt notification of changes to your
telephone number, address, email, or other Personal Information.
You consent to ATB Financial, from time to time, collecting Personal
Information about you. You acknowledge receipt of notice that ATB
Financial may collect your Personal Information from you as well as
from any third party, including any credit-reporting agency, personal
information agent, insurance company, other financial institution,
other credit grantor, and your current or former employer or any
other person, corporation, organization, society, or other entity from
time to time. Where applicable, ATB Financial may also collect your
motor vehicle information from Alberta Registries (or any other
provincial government department having jurisdiction in that area).
Using and Disclosing Your Personal Information
ATB Financial may use your Personal Information as follows:
(a) To verify your identity;
(b) To assess your financial behaviour, payment history, and credit worthiness;
(c) To use it to give to, and obtain from, credit-reporting agencies, mortgage insurers, and other financial institutions, or where ATB Financial is required or permitted to do so by law;
(d) To assess your initial and ongoing eligibility for credit and ATB Financial products and services you request;
(e) For any purpose related to the provision of services you request from ATB Financial. ATB Financial may also give it to any third party contracted with or for ATB Financial, but only as needed for the provision of those services and provided they comply with PIPA or applicable privacy legislation;
(f) To comply with legal and regulatory requirements. This may include but is no limited to income tax reporting (which includes your social insurance number where you hold a product that generates income), investigations pursuant to legislation or law enforcement, or disclosure to government agencies, regulatory authorities3, public bodies, other entities, or self-regulatory bodies4. The regulatory authorities may use and disclose your Personal Information for investigation and enforcement purposes;
(g) To transfer your Personal Information to a third party pursuant to an assignment or sale that is permitted by any agreement between you and ATB Financial;
(h) To confirm ownership or description of any collateral;
(i) To service, monitor, or maintain your account, product and service;
(j) To understand your needs and to offer other products and services to meet those needs;
(k) To report any account irregularities to any credit reporting agency; and
(l) To provide you with notices that serve the interests of customers of ATB Financial.
ATB Financial may occasionally contract with third parties or agents within or outside the Province of Alberta or Canada for the purposes of managing your relationship with us, and the products or services you request. Personal Information in the custody and control of a third party or agent in another province or country is subject to the laws of the jurisdiction. As such, your Personal Information may be collected, used, or disclosed without your knowledge or consent where required or permitted by law.
ATB Financial may also use your Personal Information for marketing purposes including:
(a) To assess your initial and ongoing eligibility for other products and services of ATB Financial;
(b) To promote ATB Financial or third-party products and services;
(c) To give it to third parties so they can promote products and services of ATB Financial or the third parties;
(d) To give to third parties contracted with or for ATB Financial so they can promote additional products and services to you; and
(e) To use your social insurance number to help identify you with credit-reporting agencies and other financial institutions to ensure the accuracy of information collected and reported for credit data-matching purposes.
Where your relationship with us is governed by securities law or regulatory requirements, your express consent (meaning your written or verbal consent) may be required for marketing purposes identified in section 7. Where applicable, ATB Financial will obtain your express consent.
Retention of Personal Information
If you are no longer a customer of ATB Financial, ATB Financial may keep your Personal Information in its records for as long as it is required for the described purposes and to meet any and all legal, legislative, and regulatory requirements.
You may request that ATB Financial not use your Personal Information for marketing purposes at any time as long as:
(a) There are no legal requirements for ATB Financial to use your Personal Information;
(b) Withdrawing your consent does not result in our inability to fulfill any agreement you have with us; and
(c) You give ATB Financial notice by:
i) Completing the ATB Financial secure online opt-out form at atb.com/optout;
ii) Calling the Customer Contact Centre at 1-800-332-8383; or
iii) Contacting an ATB Financial branch directly.
ATB Financial will review this Privacy Statement and our Privacy Code regularly to ensure that they continue to meet our obligations to you. ATB Financial reserves the right from time to time to modify the Privacy Statement and Privacy Code. ATB Financial will inform you of any changes as required by law. You may obtain the most current version of these documents at any time by visiting atb.com.
ATB Financial has a complaint resolution process if you are concerned about the collection, use, and disclosure of your Personal Information. Please contact an ATB Financial branch directly for more information.
You may consult our Privacy Code for assistance on how to request access to your own Personal Information, or you may write ATB Financial’s Privacy Officer.
We are committed to maintaining the accuracy of your Personal Information. To keep your Personal Information current and complete, we encourage you to notify us of any changes, including to your name, address, telephone, or email information. If upon review of your Personal Information you discover any inaccuracies, please contact our Customer Contact Centre at 1-800-332-8383 or write to the address noted on the back cover at your earliest convenience.
You may contact ATB Financial regarding privacy matters by writing or calling:
ATB Financial’s Privacy Officer
9888 Jasper Avenue
Edmonton, Alberta T5J 1P1