Effective Date: 1/1/2018
Protecting Your Confidential Information
We take seriously our obligation to safeguard your confidential information. Information is accessible only to employees who use it in order to provide products or services to you and your company. A Code of Conduct, set forth in our Employee Manual and other related documents dictates our expectations for professionalism and integrity and binds all of our employees. We also maintain physical, electronic, and procedural safeguards to ensure the confidentiality of your information. We monitor new technology and upgrade our systems as needed to best protect your information. When you enter sensitive information (such as a Social Security number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL). No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our website, you can contact us at email@example.com.
Protecting Disclosure of Information to Non-Affiliated Third Parties
We never sell confidential information to others. We may share information with other companies hired to provide services for us such as ordering credit bureaus, sending emails, and processing credit card payments. These companies – our vendors – are contractually bound to use personal information we share with them only to perform the services we have hired them to provide. We do not share, sell, or lease personal information about you to any third parties for their marketing use. We will release information about you if you direct us to do so, if we are required by law to do so, or in other legally limited circumstances (for example, to protect your account from fraud).
We may gather confidential information from the following sources: information you provide on applications and through other forms, such as your name, address, Social Security Number, ACH bank information, credit card information, information from a credit reporting agency such as creditworthiness and credit history to help us with customer authentication, payment processing and credit-related decisions, or data from your use of our website. When you visit our mobile website, we automatically collect information on the type of device you use, operating system version, and the device identifier (or “UDID”).
Using Confidential Information to Serve You
In general, you can visit this website without telling us who you are or revealing any information about yourself. Our web servers collect the domain names, not the email addresses, of visitors. Our web servers also seek (as many websites do) to place a "cookie" (a small data file) on your computer's hard drive which allows the server to determine the computer when it visits again, in order to track statistical information about navigation through our site. This cookie is not used to obtain your name or any personal data, and the information that is tracked is used only for internal purposes, such as to improve site navigation. However, if you prefer not to accept cookies, you can set your browser to reject them or to alert you before one is placed. We generally let you know at the time of collection how we will use the personal information. Usually, we use the personal information you provide only to respond to your inquiry or to process your request. We gather and use confidential information in the course of providing you with financial products and services.
Other Tracking Technologies
As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We do link this automatically collected data to other information we collect about you.
Technologies such as cookies, beacons, tags, and scripts are used by Western Financial and our partners, affiliates, or analytics or service providers. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site, and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
We also use mobile analytics software to allow us to better understand the functionality of our mobile website on your phone. This software may record information such as how often you use the site, the events that occur within the site, aggregated usage, performance data, and where the mobile site was accessed from. We do not link the information we store within the analytics software to any personal information you submit within the mobile site.
Disclosing Information as Permitted by Law
We may also disclose confidential information with your consent or as otherwise permitted by law and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request. For example, this may include disclosure to a credit-reporting agency or in response to a subpoena or other legal process. It may also include disclosure to protect against fraud, as part of an audit or examination. We do not share confidential information about former customers, except as permitted by law.
If Western Financial is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your confidential information, as well as any choices you may have regarding your confidential information.
User Access and Choice
If your information changes, or if you no longer desire our service, you may correct, update, amend, delete, or deactivate it by making the change on your account or by emailing our Customer Support at firstname.lastname@example.org. We will respond to your request to access within 30 days.
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page, or you can contact us at email@example.com