How we collect, use and disclose information on Desjardins websites
Protection of personal information on Desjardins.com and all other Desjardins sites
Personal information obtained through Desjardins.com and all other Desjardins sites is strictly confidential. The only employees with access to such personal information are those authorized to process inquiries or requests that concern the information provided. Except where required to provide a service you signed up for or to give effect to a court order, personal information will never be made public, sold, or disclosed to third parties without your consent.
Why do we collect personal information on Desjardins.com?
The personal information we obtain about you via www.desjardins.com is used to process online requests you submit to us for quotes or financial products and services.
The personal information you provide when registering for the electronic edition of the Desjardins BONUSDOLLARS catalogue will be used to email you information about Desjardins Card Services products and promotions. You may choose not to receive such information, but you cannot deactivate the order confirmation receipt function or the status function.
Online tools and personal information
Desjardins.com and all other Desjardins sites offer you the opportunity to use online tools or submit questions to a "virtual" financial advisor, in connection with certain Desjardins financial products. The questionnaires are designed to collect information about you or your financial situation. The details are then used to establish your savings, investment or other type of profile with a view to helping you choose the most suitable services for your particular needs.
Such information will not be used for any other purpose.
With the My budget tool available on AccèsD Internet, Desjardins categorizes all transactions listed on your caisse and Desjardins credit card account statements to give you an overview of your income and expenses. Desjardins only uses information in the tool to categorize transactions and for no other purposes. However, information may be de-identified and used by Desjardins for statistical analysis and business model development. Only you can access your personal data.
What is a cookie?
Cookies are used throughout our websites.
A cookie is a small data file created by your browser when you visit a website or web page. It is stored on your computer. Cookies allow websites to remember information about you to facilitate your authentication and improve your experience. Cookies can only be read by the website that sends them to your computer.
We use 2 types of cookies on our websites:
- Session cookies: This type of cookie is temporarily stored in your computer's memory and is deleted when your session ends. Session cookies are used to identify you when you log in to transaction-based sites like AccèsD.
- Persistent cookies: This type of cookie is saved on your computer and recalled every time you visit. Persistent cookies are text files, which means they can't be used for harmful purposes like infecting a computer with a virus or any other malicious data.
Why does Desjardins use cookies on its website?
We use cookies for the following purposes:
- To provide a secure browsing experience and verify your information. Using cookies means we don't need to save information about you every time you go to a new page. We can also store information about your session to identify you when you are on our sites.
- To remember your settings and preferences. Cookies allow us to remember your preferences, such as your province and preferred language.
- To compile statistics. We use cookies to find out, among other things, which pages of our website are most popular, the average number of pages visited, and the average amount of time spent on our site to help us improve our services.
- To analyze our performance. Cookies help us learn what our users like most and what we may need to change.
- To provide advertising that's relevant to you. We use the data collected to show you online offers and Desjardins advertising based on your interests on our websites and other websites. We also use it for retargeting and remarketing purposes and to limit the number of ads you see. For more information, see the section on interest-based advertising below.
Do other websites see my cookies when I'm on a Desjardins website?
We sometimes use third-party service providers.
When you go to one of our websites, either directly or by clicking an ad, a cookie is automatically created on your computer. When this happens, web analytics tools (like Google Analytics, Omniture or DoubleClick) and potentially other external advertising servers have access to the cookie. To provide a better user experience, we also use our analysis and integration tools, Adobe Analytics and Adobe Experience Manager, to see how our content is performing and to understand user behaviour. In some cases, the cookie also lets us track your activity to promote our products. While a unique code in the cookie file allows us to identify you as a user, it doesn't contain your name or address.
Our service providers may also need to collect your IP address or mobile device identifier when you visit a site. This information may be sent to or stored on servers in Canada or elsewhere, such as the United States. Desjardins does not combine information collected by third parties with any information we have about you, but some providers may have to disclose the data they collect to a third party for legal reasons or for data processing purposes. We do not share information that would allow service providers to identify you.
Third-party service providers have their own cookies and privacy policies.
Can I block cookies while on Desjardins websites?
You can disable the personalization features on our sites by blocking cookies in your browser. See the procedure.
Blocking cookies may prevent pages on our site from displaying correctly, and some features may not be available.
You must allow cookies to use AccèsD. If your browser is set up to block cookies, click the link above and follow the instructions to change the settings in your browser.
What is a web beacon?
A web beacon is a tiny image placed on a website or in an email. It can be used to anonymously track the number of times a user visits a page. Web beacons are invisible and can be found anywhere on our website or in our ads. Unlike cookies, web beacons are not stored on your computer.
Why does Desjardins use web beacons on its websites?
We use cookies and web beacons to customize our advertising based on your interests. When you visit our websites, these cookies and beacons let us know which pages you are interested in, so we can show you relevant advertising. This technology does not use any identifying personal or financial information, but it may contain a unique identifier for retargeting purposes. When you click an ad with a cookie or beacon, we may use it to track the ad campaign's response rate.
Desjardins also works with third-party advertising companies, such as DoubleClick and Facebook. These companies may collect and use information about your visits to our websites to deliver interest-based advertising. Desjardins does not share any identifying information with advertising companies.
Our advertising partners and other third parties may also use cookies or web beacons when you click ads or links to their websites or services on our websites. Our privacy policy does not apply to third-party websites or third-party advertisers.
Can I opt out of interest-based advertising?
You can choose not to share information with Google Analytics or DoubleClick by changing the settings in your browser or on your device. You can do the same with your ad settings. You can prevent your information from being shared with Google Analytics by installing a browser add-on. You can also opt out of personalized ads by following these instructions - External link. This link will open in a new window..
Desjardins uses Facebook's Custom Audience feature to create interest-based advertising for our members and clients. If you'd like to opt out of these ads on Facebook, follow these steps - External link. This link will open in a new window..
Even if you opt out of interest-based advertising, you may still see Desjardins ads. The ads you see will not be customized to your needs and may appear more frequently.
Links to third party websites
For your convenience, Desjardins.com provides links to the sites of third parties or parts of their sites. However, Desjardins has no control over the content or operation of these sites, nor does it control the confidentiality or privacy practices of the site operators. Consequently, any personal information you submit through such sites is governed by the privacy policies of the sites in question. It is therefore your responsibility to find out about their policies in order to protect information that concerns you.
Use of advertising tags without collecting personal information
We also use advertising tags to help us improve our advertising inventory and placements. These tags use certain features built into your devices, such as motion and orientation metrics.
Although no personal information is collected by these tags, you can disable them by going to your browser settings and disabling these features.
For example, to disable the triggering of the tag related to your device's accelerometer, go to your browser settings and disable the "Motion & Orientation Access" feature.
About reCAPTCHA in some Desjardins online forms
We use Google Inc.'s reCAPTCHA service to protect the information entered on online forms on our website. Google reCAPTCHA is used to confirm that information entered on our websites (e.g., on contact forms) is entered by a user and not by automated software. In other words, it's a way to tell humans and computers apart, rendering bots unable to fill out forms maliciously in the name of a human.
To this end, reCAPTCHA analyses visitor's behaviour on websites based on a variety of factors. The analysis starts as soon as a visitor enters a website. reCAPTCHA assesses information such as the visitor's IP address, how long they stayed on the site and their mouse movements. The analysis takes place in the background, and visitors are not informed that it is in progress. Information collected is transmitted to Google and subject to Google's and Google reCAPTCHA's terms of use and privacy policy. Desjardins uses the system to protect its websites from spam and abuse.
To learn more, see:
By using the reCAPTCHA service, you consent to the processing of data about you by Google in the manner and for the purposes set out above.
Collection of behavioural browsing data for the purpose of preventing fraud
Desjardins collects certain metrics relating to your browsing behaviour when you're using our websites and applications. This information serves to determine the percentage of risk that your user session has been compromised.
Some of the information that we collect for this purpose could include your mouse activity, navigation patterns, keystroke movements or interactions with your mobile device. During this process, we do not collect any information that could lead to identifying you directly (such as your birth date or full name).
These metrics help us analyze your decision-making process when navigating through your user session in order to detect any abnormal activity and prevent fraud in your Desjardins accounts.
Email policy
Desjardins does not solicit members for personal and confidential information by email or otherwise.
Confidentiality
Desjardins enforces various rules to protect your personal information:
- We do not divulge any information about our members without their consent.
- Desjardins employees are not authorized to ask for your password or PIN.
- Desjardins employees cannot ask for personal information over the phone, including debit card numbers, birthdates and social insurance numbers, except during the usual authentication procedure when members contact us.
- Desjardins Group has adjusted its internal telemarketing rules to ensure their compliance with the National DNCL rules.