Your Privacy Choices
Subject to legal, business or contractual requirements, you can withdraw your consent to our collection, use or sharing of information at any time upon giving us reasonable notice. However, withdrawing your consent may limit or prevent us from providing you with, or being able to continue to provide you with, specific products or services. For example, if you choose not to provide us with your SIN, we will not be able to provide you with any product where the collection of SIN is required under tax law (e.g., a registered product like an RRSP).
In particular, during our relationship with you, we provide you with the following privacy choices:
SIN: Including your SIN in a credit bureau request is the best way to make sure the credit bureau information accurately refers to you. However, this use of your SIN is optional and if you choose not to give your permission, this by itself will not prevent you from qualifying for products or services.
Marketing: Subject to applicable law, from time to time the CIBC Group may offer you products or services, including special promotions, which may be of interest to you. This consent is optional and you can decide to withdraw it at any time. However, this will not limit the information provided to you through discussions with a CIBC representative or through general CIBC marketing or servicing channels (e.g., posters in branches and electronic messages on ABMs or our website), or information we send you that is related to your existing products and services or is permitted or required by law.
Please note that it may take up to 10 business days to fulfil your request to unsubscribe from electronic messages.
Call Recording: If you do not wish to have your telephone calls recorded, you have the option to conduct your business with us through a CIBC branch, office or location, through the use of our ABMs, through our Internet banking services, or by writing to us.
In certain circumstances your consent cannot be withdrawn. For example, you may not withdraw your consent where our collection, use or sharing is permitted or required by law, is required to ensure we have correct and up to date information about you (e.g., current address), or is necessary to manage our business including the sharing of information when we assign our rights to others for business transactions. In order to maintain the integrity of the credit reporting system, we may periodically update your information with credit bureaus as long as you have a credit product or service with us and for a reasonable period of time afterwards. Your consent to the exchange of information cannot be withdrawn during this time.
Keeping Your Information Updated
We take care to keep the information in our records as accurate, complete and up to date as necessary for the purposes for which it is used. However, we also rely on you to tell us when your information changes. Keeping your information accurate and up-to-date allows us to continue to offer you the highest quality service.
Accessing Your Information
You have the right to access personal information we hold about you. Much of your information is available to you through your account statements or bankbook updates, by visiting the branch or office you deal with, by accessing your account online, or through telephone banking. If you require other information please see the "How To Contact Us" section below.
Addressing Any Privacy Concerns
The following process applies to CIBC banking clients. For other CIBC clients (e.g., clients of CIBC Private Investment Counsel and CIBC Wood Gundy), refer to the complaint process provided to you when you opened your account, contact the branch or office where your account is administered, or speak to your CIBC representative.
Step 1: Talk to Us
In most cases, a complaint, question or concern is resolved simply by talking to us about it. You should be able to get swift results by talking to a CIBC representative where you do business. You can speak with us in-branch or by calling Telephone Banking at 1-800-465-CIBC (2422).
Step 2: Call the CIBC Client Care Centre
If your complaint, question or concern is not resolved to your satisfaction, you can contact the CIBC Client Care Centre:
Telephone: 1-800-465-CALL (2255)
Write to: CIBC Client Care
PO Box 15, Station A
Toronto, ON M5W 1A2
Be sure to include your name and contact information where you prefer to be reached, the nature of your complaint, question or concern, details relevant to the matter and with whom you have already discussed the issue.
Step 3: The CIBC Ombudsman
If your complaint, question or concern has still not been resolved to your satisfaction by Client Care, feel free to contact the CIBC Ombudsman:
Telephone: 1-800-308-6859 or (416) 861-3313 in Toronto
Fax: 1-800-308-6861 or (416) 980-3754 in Toronto
Write to: CIBC Ombudsman
P.O. Box 342
Toronto, ON M5L 1G2
Step 4 - Escalate
If you are not satisfied with the decision of the CIBC Ombudsman you can ask how your matter can be further escalated.
If the above steps fail to resolve your concern you may also contact the applicable privacy commissioner.