Synergy Credit Union - Privacy Digital Banking

Digital Banking & Mobile App Privacy

This notice describes how your personal information is collected and used within our secure online/digital banking services (login required areas) and our mobile app.

Controlled access to your information

To ensure only you access your personal financial information, we restrict access to secure online banking by requiring authentication (e.g., username and password/PAC). Our employees do not know your password and will never ask you to reveal it.

Transactional services and records

Digital banking provides many transactional functions (for example, transfers and bill payments). We log transactions to ensure your accounts are debited or credited appropriately and to provide you with a history for verification. These records are treated with the same care as transactions performed in branch or through other channels.

Creating a secure channel

We use industry standard security controls to create a secure channel between your browser/app and our servers when you use digital banking. For additional information, see our Internet Security page.

Application forms

For convenience, secure online application forms may be available for loans, mortgages, and other products. Information you provide is used to assess and deliver the requested product or service, similar to applications submitted through other channels.

Website usage statistics (secure areas)

To improve our services, we may collect statistics about how members use secure online features. These statistics are viewed in aggregate and are not associated with you as an identifiable individual unless necessary for fraud prevention or security.

Our use of cookies (secure areas)

We use a session cookie to maintain the integrity of your online banking session. Session cookies do not store personal details such as your name or account balances.

Logout and automatic time outs

Always use the logout button to end an online banking session. If your session is left idle, the system will end it automatically after a period of inactivity to help protect your information.

Mobile app permissions

Our mobile app may request certain device permissions to enable specific features:

Camera – to deposit cheques via mobile deposit capture;
Location – to locate nearby ATMs/branches;
Phone – to enable tap to call from contact details;
Contacts – to set up new Interac e Transfer® recipients you select (only the contact information you confirm is accessible to Interac);
Storage – to view, share, and download PDF files to your device;
App activity and diagnostics – anonymized usage and crash information to improve app stability and performance.

You can manage these permissions in your device settings. Disabling some permissions may limit certain app features.

Conexus — Website & Cookies Notice

This notice explains how Conexus collects and uses information on our public website(s). For information about secure online banking and our mobile app, see Digital Banking & Mobile App Privacy.

Information we collect on the website

Technical data such as IP address, browser type, operating system, device identifiers;
Usage data such as pages viewed, time on page, navigation paths, and referring address (the link you used to access our site);
Fraud prevention signals (e.g., coarse device and behavior attributes) to safeguard accounts;
We use this information in aggregate to improve site performance and user experience and, where permitted, to tailor marketing about Conexus products and services.

Cookies and similar technologies

We use cookies and similar technologies to remember preferences, maintain session integrity, perform analytics, and (where permitted) present Conexus marketing on other websites.

Types of cookies we use

Session cookies – temporary cookies that are deleted when you close your browser;
Persistent cookies – remain on your device for a set period or until you delete them;

Managing cookies

You can control cookies through your browser settings and our Cookie Preferences tool. Disabling certain cookies may affect site functionality.

Analytics, advertising & your choices

We may use analytics tools to understand how our site is used. Where permitted, we may also use advertising technologies to present Conexus marketing on other websites. You can manage your ad preferences directly with major platforms:
Google Ads Preferences – [GoogleHelp]
Facebook/Instagram Ad Preferences – [FacebookHelp]
Twitter/X Ad Preferences – [Twitter/XHelp]
LinkedIn Ad Preferences – [LinkedInHelp]
YouTube Ad Preferences – [YouTubeHelp]

Google reCAPTCHA

Some pages use Google reCAPTCHA to help protect our site from automated abuse. reCAPTCHA collects browser and user information (for example, prior cookies placed by Google, mouse clicks, date, browser language, and installed plug ins) to determine whether a visitor is a human. Use of reCAPTCHA is subject to Google’s Privacy Policy and Terms of Service.

Email and web forms

If you send us an email or submit a web form, we use the information you provide only to respond to your inquiry or act on your request. Please do not include sensitive financial information in unencrypted email.

Links to other websites

Our website may link to sites that are part of, affiliated with, or have a business relationship with Conexus. When you leave our site, the only information transferred is the referring address (that you came from our website). We are not responsible for the privacy or security practices of third party sites.

Anti-Spam (Commercial Electronic Messages)

We only send commercial electronic messages (CEMs) in compliance with applicable anti spam laws. Our policy includes:

We don’t spam you

Spam is unsolicited CEMs, typically sent in bulk. A CEM may be considered spam if (a) the recipient’s identity and context are irrelevant and the message is broadly applicable; and (b) the recipient has not provided explicit or implied, still revocable permission to receive it. Many spam messages also contain false or misleading information.

When we send CEMs

You provided your email address and consented to receive CEMs;
We are responding to your request for information;
We are communicating about your account(s), loans, or similar relationships with us;
We provide information and updates about products/services you have with Conexus.

Unsubscribe at any time

All Conexus CEMs include an unsubscribe link. We process unsubscribe requests as soon as possible and no later than 10 days after your request. You can also contact us to unsubscribe, and we will remove you from future CEMs.

We protect your information

Conexus does not knowingly do business with companies that send spam. We do not sell or exchange your information, and we do not permit others to collect or harvest member email addresses.

Social Media House Rules & Privacy

These guidelines explain how we use social media, how we protect your privacy, and how we moderate our channels.

What we post

Products, services, promotions, or contests;
Community events and initiatives;
Educational content and financial tips;
News and media releases;
Stories that highlight our positive community impact.

Advertising and tracking on third party platforms

We may use interest-based advertising with third party platforms (e.g., Google, Facebook/Instagram, Twitter/X, LinkedIn, YouTube). These platforms may use information about your visits to the public areas of our site to show you Conexus ads. Your activity within Digital Banking and other secure, authenticated areas of our site is not tracked for advertising purposes.

Online member support

For assistance, contact our Member Contact Centre at 1-866-825-3301, live chat, or Conact Us. We may also provide general assistance via social media during business hours. We will never ask for your account number, SIN, or PAC/PAN on social media.

House rules

Be respectful – we welcome diverse perspectives; hate, harassment, or profanity may be removed;
Protect privacy – never post personal or account information;
Stay relevant – avoid unrelated links or promotions;

Posts that don’t align with these rules may be removed. Repeated violations may result in blocking. Third party platforms have their own privacy and security policies, which apply when you use their services.

Still have questions?

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