Effective as of December 1, 2019 Western Financial Bank Savings is committed to protecting your privacy at all times. Please read this Internet Privacy (the “Policy”) carefully before using the Western Financial Bank Savings (“Bank”) website (the “Site”). The Bank, a federal savings bank headquartered in Utah, is the owner of the Site and the services provided through them (the “Services”), although software, hosting and other functions and content may be provided by the Bank’s service providers, affiliates or business partners. This Site is exclusively directed to, and intended for, legal residents of the United States who are adults of a capacity to contemplate and enter into a lawful contract for banking purposes. The Bank does not knowingly solicit information from, and does not knowingly market any products or services to, minors or non-U.S. residents. If you are under the age of 18, you are not permitted to set up an account through the Site, and do not enter your personal information. This Policy, together with the Website Usage Agreement which is incorporated herein by reference and attached at the end of this Policy, describes the types of information we may collect from visitors to the Site, what we do with this information, and how visitors can update and control the use of information they provide on the Site. This Policy applies solely to information collected through this Site. This Policy does not apply to other data we collect, including data collected on other websites, such as separate websites operated by our affiliates or business partners, or information visitors may provide to us through unsolicited email or other means.
Through the use of or online inquiry regarding the products and services we offer (“Services”) or access to our Site, we may collect personal information about you, which is information that identifies you as an individual, relates to you as an individual, or that, along with other information, could identify you (“Personal Information”). We collect the following types of Personal Information:
01. Information provided by youWe do not require you to provide any Personal
Information in order to navigate our Site. However, we need to collect Personal Information if
you choose to engage in certain activities
on our Site. We collect Personal Information from you when you:
Open an account. If you decide to open an account with the Bank, you will need to provide Personal Information, including name, address, phone number, email address, date of birth, Social Security number, username and password, and financial account information.
Interact with our Site or Services. When you send us any feedback, questions, comments, or suggestions, participate in one of our surveys, or interact with the Bank in any way, you may provide us with Personal Information, such as your email address.
02. Information collected automaticallyWe may automatically collect the following Personal Information as you use our Site or Services: Usage Information. Which pages on our Site you access, the frequency of access, what you click on while on the Site, how long you access the Site, and when you accessed the Site. Location Information. Information about your location, which may be determined through your IP address or mobile device. Device Information. Information about the device you are using, such as hardware model, operating system, browser, and IP address. Mobile Device Information. Mobile network information, such as the unique identifier assigned to the device, mobile carrier, operating system, and other device attributes.
03. Information we get from third partiesWe may obtain Personal Information about you from third parties, such as credit bureaus and demographic firms, when you use our Site or Services. Cookies and other tracking technologies Cookies. “Cookies” are small pieces of data stored by your Internet browser on your computer’s hard drive. If you visit our Site, a cookie is used to help us measure the number of visits, average time spent, page views and other statistics relating to our Site. This cookie by itself does not tell us your email address or who you are. If you decide to register online or request information, products or services from us, we may collect additional information to provide tailored offerings or content to you or to deliver such products and services. In this case, we use cookies to allow us to recognize you on subsequent visits, enhance your online experience and make our provision of products and services more efficient. We do not use cookies to get data from your hard drive or to get your email address. Third parties may also place and store Internet cookies on your hard drive for web analytics and analytics advertising services. These third party cookies collect information about our Site traffic by tracking users across websites and across time and generating reports for us to better understand our Site users and to create audiences for our advertisements based on such understanding. Google and Adobe Analytics. We use tools called “Google Analytics” and “Adobe Analytics” to collect some information we listed above about your use of the Services or visits to the Site. We use the information we get from Google Analytics and Adobe Analytics to improve the Services. In order to collect this information, Google Analytics and Adobe Analytics may set cookies on your browser or mobile device, or read cookies that are already there. Google Analytics and Adobe Analytics may also receive information about you from apps you have downloaded, that partner with Google or Adobe, respectively. We do not combine the information collected through the use of Google Analytics or Adobe Analytics with personally identifiable information. Google’s ability to use and share information collected by Google Analytics about your use of the Services or visits to the Site or to another application which partners with Google is restricted by the Google Analytics Terms of Use and the Google Privacy. Please review those and see http://www.google.com/policies/privacy/partners/ for information about how Google uses the information provided to Google Analytics and how you can control the information provided to Google. Adobe’s ability to use and share information collected by Adobe Analytics about your use of the Services or visits to the Site or to another application which partners with Adobe, is restricted by the Adobe Analytics Terms of Use and the Adobe Privacy. Please review those and see https://www.adobe.com/privacy/marketing-cloud.php for information about how Adobe uses the information provided to Adobe Analytics and how you can control the information provided to Adobe.
We share your Personal Information with our service providers, among our entities, in connection with the provision of the Services, a corporate restructuring, to prevent harm, to comply with the law, and to protect our legal rights. The legal basis for this is our legitimate interest in providing our Services, complying with the law, and protecting our rights and those of others. Service Providers. We share Personal Information with service providers that help us perform Site functions and provide you with the Services, such as Adobe and Google Analytics. Corporate Structure. We may share Personal Information if we are involved or intend to be involved in a merger, acquisition, consolidation, change of control, or sale of all or a portion of our assets or in connection with bankruptcy or liquidation proceedings.
To Prevent Harm. We may share Personal Information if we believe it is necessary in order to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person. To Protect Our Rights and As Required by Law. We will share Personal Information where we are legally required to do so, such as in response to court orders or legal process, to exercise our legal rights, to defend against legal claims or demands, or to comply with the requirements of any mandatory applicable law. We will also share Personal Information as necessary to enforce any other terms that you have agreed to, including to protect the rights, property, interest or safety of the Bank, its users, or any other person, or the copyright-protected content of the Services. With Your Consent. We will request your permission to use or share your Personal Information for a specific purpose that is not compatible with the purposes listed here. We will notify you and request consent before you provide the Personal Information or before the Personal Information you have already provided is shared for such purpose.
Our goal is to protect the Personal Information you submit to us through this Site. We maintain reasonable physical, technical, and administrative security measures to protect and limit access to your Personal Information. However, no method of transmission over the Internet or electronic storage technology is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
You are responsible for maintaining the confidentiality of your account username and password. We recommend that you choose a unique password for your account and that you do not use any password that you also use for any other accounts, which may contain your Personal Information, such as financial accounts or email accounts. You agree to immediately notify the Bank of any unauthorized use of your password or account or any other breach of security. We will not be responsible or liable for any loss or damage arising from your failure to comply with this provision. If you access our Site from a public or shared computer, it may be possible for other users to review your online history. For this reason, you should always close your browser window after you finish any online banking session, including visiting our Site. If you access our Site from a shared computer, you should never set the Internet options to remember or store user IDs or passwords. Also, you should never go to websites or follow web links that are unfamiliar or seem suspicious to you.
Personal Information that you provide while in the EU, an EEA member state, or Switzerland will be transferred to the United States. The GDPR permits such transfer when necessary for the performance of a contract between you and Bank, if Bank obtains your explicit consent to such transfer, or if it is in Bank’s legitimate interest to transfer the Personal Information. The laws in the United States may not be as protective of your privacy as those in your location. However, when transferring Personal Information to and processing Personal Information in the United States, Bank will implement appropriate safeguards and process the Personal Information in accordance with the terms of this Privacy Policy. By using our Site, you agree to the transfer and processing of your Personal Information to the United States.
The Bank will only process your Personal Information for lawful purposes under the GDPR related to the Bank’s business purposes arising from your relationship with the Bank. The Bank will ordinarily collect and process your Personal Information because it is necessary for the performance of a contract to which you are a party or because Bank has another legitimate interest in doing so. When Bank cannot rely on either of such legal grounds, it will seek your prior consent.
We reserve the right to modify or supplement this Privacy at any time and without prior notice. If we make any material change to the Privacy, we will update our Site to include such changes. We recommend that you review this Privacy regularly for changes.
What’s next in Western Financial Bank? Learn More