Canadian Privacy Decisions

A married couple complained that a bank mortgage specialist disclosed the husband's personal financial information to his wife without his consent. The bank argued there was implied consent given the purpose of applying for a joint mortgage. The Assistant Commissioner found the bank did not make a reasonable effort to inform the couple about potential disclosures between them, meaning consent was not meaningful. While a contravention was found, the bank had since adopted reasonable practices.

• Meaningful consent for disclosure of personal information to a spouse
• Reasonable efforts to inform individuals about purposes of disclosure
• Implied consent in the context of joint mortgage applications

This investigation examined a complaint regarding the Royal Canadian Mounted Police's (RCMP) use and disclosure of personal information from the Canadian Firearms Program (CFP) database to a public opinion research firm, EKOS Research Associates Inc. The RCMP contracted EKOS to conduct a survey of firearms licensees to improve program administration and service delivery. The investigation reviewed the contract, security measures, and the survey process.

• Appropriateness of using personal information for a client-satisfaction survey.
• Compliance with contractual confidentiality and security provisions when disclosing information to a third-party contractor.
• Whether the use of information for the survey was consistent with the purpose for which it was originally collected.