Canadian privacy & access decisions

An individual complained that a department store disclosed his personal information to a third party, a credit monitoring service, after he had requested that his information not be shared. The complainant received a mail solicitation that appeared to be supported by the department store but sent by the third party. The investigation found that the department store had not disclosed the complainant's personal information; rather, the store conducted the mail-out on behalf of the third party. The store acknowledged that the mail-out should have been clearer about its role and apologized. The store also agreed to review its account application policies to allow new customers to opt out at enrolment and to improve its suppression mechanisms. The complaint was settled during the investigation.

• Whether the department store disclosed personal information to a third party without consent
• Whether the mail-out clearly indicated the department store's role
• Whether the department store's opt-out mechanisms were adequate

An individual complained to the OPC after a collection agency failed to correct inaccurate information in his credit file, despite his lawyer's repeated attempts. The complainant had paid off a debt years prior, but the collection agency had not reported this to credit bureaux, causing him difficulty in securing credit. The collection agency initially had no record of the lawyer's correspondence. However, after the OPC intervened and the lawyer sent another letter, the agency investigated and confirmed the debt was paid. Consequently, the agency updated the credit bureaux, and the complainant's credit files were amended. The complaint was settled during the investigation.

• Whether the collection agency failed to ensure the accuracy of personal information it held
• Whether the collection agency failed to correct inaccurate personal information upon request

Several employees of a federally regulated transportation company complained that a list of employees receiving severance packages, including names, identification and seniority numbers, and Social Insurance Numbers (SINs), was disclosed to their union without their knowledge or consent. The company admitted that the SINs were included on an electronic spreadsheet provided to the union, though in a hidden column. The employer did not obtain employee consent for this disclosure. During the investigation, the company changed its severance application process to no longer require SINs. The company also agreed to amend its application form to include a consent statement for the release of personal information to the union. The complaint was settled during the investigation.

• Whether the disclosure of employee names, identification numbers, seniority numbers, and Social Insurance Numbers to a union without consent contravened PIPEDA

An individual complained that a bank inappropriately required a credit check and other personal information, including length of employment and Social Insurance Number (SIN), to open a no-fee personal deposit account online. The complainant also found the language regarding information exchange with credit bureaus unclear. The bank agreed to modify its online application forms to clarify that credit checks are optional for deposit accounts if applied for in person. It also agreed to only request length of employment for credit applications and make SIN provision optional. The bank committed to reviewing the language concerning credit bureau information exchange. The OPC confirmed the complainant's credit rating was unaffected. Both the complainant and the OPC were satisfied with the bank's actions.

• Whether a credit check was appropriately required for a no-fee personal deposit account
• Whether length of employment was appropriately required for a no-fee personal deposit account
• Whether the Social Insurance Number (SIN) was appropriately required for a no-fee personal deposit account
• Whether the language describing information exchange with credit bureaus was clear

An individual complained that a pharmacy chain required him to sign an overly broad consent form for medication, fearing his personal information would be used for marketing. The complainant was concerned he would be denied medication if he refused consent. The OPC clarified with the pharmacy that it did not disclose personal information for secondary marketing purposes. The pharmacy, having received similar complaints, revised its consent form to be simpler and clearer. It also introduced a new policy allowing customers to verbally consent to privacy practices if they were uncomfortable signing the form. The complainant was satisfied with these changes.

• Whether the pharmacy's consent form authorized overly broad disclosure practices
• Whether personal information was being disclosed for marketing purposes
• Whether the pharmacy's consent process was appropriate under PIPEDA

The OPC received two separate complaints against two different banks concerning the improper disclosure of personal information through envelope windows. In the first case, a complainant received RRSP transfer documents where Social Insurance Numbers (SINs) were visible through the envelope window. The bank acknowledged the issue and implemented a new process to ensure SINs and account numbers are not visible. In the second case, a complainant received a dormant account notice where the word "Bankrupt" and a date were visible through the envelope window below his name. The bank modified its process for client profile notations to prevent such information from appearing in the address field. Both complaints were settled during the course of the investigations, with the banks taking satisfactory corrective actions.

• Whether Social Insurance Numbers visible through an envelope window constituted inadequate protection of personal information under PIPEDA
• Whether a bankruptcy notation visible through an envelope window constituted improper disclosure of personal information under PIPEDA
• Whether the banks' practices for handling and displaying personal information on mailings met PIPEDA's protection requirements

An individual complained that an insurance company required overly broad consent for the collection, use, and disclosure of personal information when applying for life insurance. The OPC found the company's actual practices were compliant with PIPEDA. However, the company acknowledged the complainant's concerns about the clarity and precision of its consent language. The company agreed to revise its consent forms and share the updated language with the complainant for feedback. The complainant was satisfied with the company's explanation and its commitment to review the consent language. The complaint was settled during the investigation.

• Whether the insurance company's consent language was overly broad
• Whether the insurance company's collection, use, and disclosure practices were consistent with PIPEDA

An individual complained that his former employer, an interprovincial trucking company, disclosed his personal information to a creditor without his consent. The investigation found no evidence to support this allegation; in fact, the complainant had provided some of the information to the creditor himself. During the investigation, the trucking company, a small family-owned business, developed and implemented a written privacy policy, appointed an Information Officer, and reviewed its practices regarding employee information. The company also took steps to ensure its employees were aware of fair information handling practices. Both the complainant and the OPC were satisfied with these actions, and the matter was settled.

• Whether the trucking company disclosed the complainant's personal information to a creditor without consent

A complainant's laptop, returned for repair, was sold by a retail store with her personal information still on it. The individual who purchased the laptop contacted the complainant, raising concerns about the store's safeguards. The investigation revealed an employee sold the returned laptop without wiping its data. The company retrieved the laptop and returned it to the complainant. In response, the store implemented new procedures to ensure all customer data is wiped from returned electronic devices, with documentation required for these actions. The complainant was satisfied with these changes, and the complaint was settled.

• Whether the retail store adequately safeguarded the complainant's personal information on a returned laptop
• Whether the retail store's practices led to an unauthorized disclosure of personal information

An individual complained that a lending institution disclosed information about her delinquent account to her uncle without consent. The OPC's investigation found merit in the complaint. The lending institution agreed to apologize to the complainant and adjust her outstanding loan. Furthermore, the OPC noted the institution lacked privacy policies and practices. The institution committed to implementing privacy policies, establishing a privacy committee, providing employee training, and reminding staff about limiting information disclosure during debt recovery. Both the complainant and the OPC were satisfied with these actions.

• Whether the lending institution disclosed personal information without consent
• Whether the lending institution had adequate privacy policies and practices in place

A former employee complained that his previous employer, a trucking company, disclosed his personal information to other trucking firms after his employment ended. While the original complaint focused on the disclosure, the Office of the Privacy Commissioner (OPC) also identified the absence of a company privacy policy and a designated privacy representative as issues. Through discussions, both parties reached a settlement. The trucking company agreed to develop privacy policies and procedures, which it subsequently provided to the OPC, and also appointed a privacy officer. The complaint was settled during the investigation.

• Whether a trucking company disclosed personal information about a former employee to other firms without authorization
• Whether the trucking company had adequate privacy policies and procedures in place
• Whether the trucking company had a designated privacy officer

An employee of a national transportation company complained about the security of personal information in an automated crew management system. The complainant was concerned that unauthorized personnel, particularly union representatives, could access sensitive data like date of birth, social insurance number, wage rates, and vacation eligibility. While some information was not accessible to union representatives, the company agreed to modify the system. The adjustments ensured that screens would no longer display Social Insurance Numbers, birth dates, and health information. As the complainant's concerns were addressed, the case was considered settled.

• Whether employee personal information in an automated crew management system was adequately protected from unauthorized access
• Whether union representatives had unauthorized access to sensitive employee personal information