West Town Bank & Trust
Last Updated: February 22, 2022
At West Town Bank & Trust we and our affiliates (collectively, “WTBT”) are committed to maintaining the confidentiality of your personal information. This Online Privacy Notice (this “Notice”) describes the types of personal information we obtain and how we collect that information, how we may use that information, how we may share that information, and choices you may have regarding your personal information. This Notice also covers how we protect your personal information, and how you can contact us with questions related to this Notice and our privacy practices.
This Notice applies to personal information we obtain online through this website and other WTBT affiliated websites, portals, applications, and online information collection points that may link to this Notice (collectively, “Website”).
This Notice is developed in compliance with the Gramm-Leach-Bliley Act (“GLBA”) and various other Federal and State laws relating to consumer privacy protection.
Other privacy policies could apply depending on how you interact with us, the products or services you may obtain from us, or the relevant jurisdiction in which we do business with you. If you are a California consumer, for example, and would like further information about our privacy practices and your rights in relation to the California Consumer Privacy Act, please see our California Consumer Privacy Disclosure.
Information We Collect About You
We collect your personal information to provide you, and continually improve, our products and services. When we say “personal information,” we mean information that specifically identifies you.
Personal Information You Provide Us
When contacting or communicating with us, you may be asked to provide us personal information such as your name, mailing address, e-mail address, telephone number, credit history, payment history, credit scores, social security number, employment information, assets, salary information, and other information to complete your transactions with us.
If you contact or communicate with us by telephone, we may monitor and/or record the call.
Website Use and Cookies
We collect information about your computer or device to improve and evaluate our Website, content, products, and services. We may gather data such as your browser characteristics, device characteristics, referring URLs, operating system, information related to interactions on our Website, and the Internet Protocol (“IP”) address of your computer or device.
We may use “cookies” and other unique identifiers to track your use of our Website, and to save your user preferences for future visits. We also collect information to identify and measure the activity on our Website. Our web servers automatically log information about your computer or device.
Cookies transfer a small amount of data to your browser by servers within a domain. Only designated servers within that domain read that data. Cookies help identify your computer and enable us to improve your experience on our Website.
Additionally, we may use web beacons (a small, clear graphic image) in a web page or email to track when the page or email has been viewed. Similar devices may be used to identify when you click a button on the Website or in an email. These devices track your visits, and the data is only read by the server that receives the data.
Your Internet browsers may be set up to accept cookies automatically. You may be able to set your browser to notify you when you receive a cookie, allowing you to decide whether to accept it. Cookies may not be optional for some web pages that require an authorization. Please note that you may not be able to access all of our Website if you choose not to accept cookies or similar devices.
We may also occasionally use third party web analytics services (e.g., Google Analytics) that use identifiers such as cookies, web beacons, and web server logs to help us analyze activity on our Website.
Consumer Reports and Government Entities
We securely receive personal information from consumer reporting agencies, credit reporting bureaus, and government entities (e.g., the IRS).
Information we collect from these entities include, but is not limited to:
- Open and closed credit accounts (e.g., the date opened, the date closed, the latest reported monthly balance, and monthly payment)
- Credit inquiries
- Late payments and collection actions occurring on open and closed credit accounts
- Public records related to bankruptcy, judgements, tax liens, and other payment statuses
- Credit scores
- Your transaction history, assets, and account balances
Information We get from Others
We may collect personal information about you through an authorized agent acting on your behalf
We may receive personal information about you from marketing service providers. For example, we may contract with a service provider that places advertisements for WTBT on other websites, and we may receive information related to the interactions/impressions with those advertisements.
Consumer testimonials and survey responses are also collected through marketing service providers and online platforms (e.g., Facebook, Zillow).
We may receive personal information about you (e.g., contact information) from service providers that provide leads.
Use of Your Personal Information
We use your personal information to provide, develop, and improve the products and services that we offer you; to inform you about other information and services we think will be of interest to you; and to facilitate your use and our operation of our Website.
Examples of ways we use your personal information include:
Business and Legal Purposes
We may use your personal information to offer you products and services, create and maintain your accounts, process your transactions, comply with and enforce legal requirements, respond to court orders and legal investigations, comply with our policies, report to credit bureaus, or for other related business and legal purposes.
We may also use your contact information to communicate with you, and send you important disclosures, information, and updates pertaining to your transactions.
We may use your personal information to identify, protect against, and prevent fraud and other criminal activities.
We may utilize your personal information to contact you regarding questions or concerns related to your experience with us, and to send you information pertaining to company news, updates, surveys, programs, events, promotions, contests, and related products or services. If you would like to unsubscribe from receiving future marketing information emails, we include detailed instructions on how to unsubscribe at the bottom of each email.
We may publish your customer testimonial along with your name and experience with WTBT on our Website and social media accounts. If you would like to update or delete your testimonial, please contact us by email at email@example.com, or by mail to the address below
West Town Bank & Trust
Attn: Mortgage Dept.
8450 Falls of Neuse Rd, Suite 202
Raleigh, NC 27615
Analyze & Improve WTBT
We may analyze and process your personal information to conduct market and consumer research; perform financial analysis; and so that it can be anonymized, encrypted, and tokenized.
We also may use your personal information to develop and improve our Website, products, and services; manage communications; evaluate sales, marketing, and advertising channels; and perform business functions such as accounting, auditing, and billing.
Cookies and Other Identifiers
We may also use the information we obtain about you in other ways for which we provide specific notice at the time of collection.
Sharing Your Personal Information
Information about our customers is an important part of our business, and we are not in the business of selling our customers' personal information to others. We may disclose your personal information (i) as permitted or required by law or legal process; (ii) in response to requests by government agencies (e.g., law enforcement authorities); (iii) for the purpose of, or in connection with, legal proceedings or an investigation of suspected or actual fraudulent or illegal activity; (iv) for purposes of establishing, exercising, or defending our legal rights; or (v) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss.
We share personal information with vendors and service providers who perform services on our behalf. We require the security and confidentiality of your information with vendors and service providers. These vendors and service providers are not authorized by us to use, sell, or disclose your information except as necessary to perform services on our behalf or comply with legal requirements.
We also may share your personal information with our affiliates and joint marketing partners.
Personal information may be disclosed or transferred as part of, or during negotiations of, a merger, consolidation, sale of our assets, as well as equity financing, acquisition, strategic alliance or in any other situation where personal information may be transferred as one of the business assets of WTBT.
Your Choices Regarding Your Personal Information
We want you to be aware of the choices you have in limiting the sharing of your personal information. You may limit the sharing of information to (i) non-affiliates to market to you; (ii) affiliates for their everyday business purposes (pertaining to your creditworthiness); or (iii) affiliates to market to you.
Links to Other Websites
Our Website may contain links to third party websites that may collect your personal information. Personal information collected on other websites is not covered by this Notice. If you visit a linked website, we recommend that you review that website’s privacy materials and practices. We are not responsible for third party websites’ content, any use or activities on those websites, or the privacy practices of those websites.
How We Protect Your Information
We design our systems with your security and privacy in mind.
We implement and maintain a variety of physical, electronic, and procedural security measures to maintain the safety of your personal information in connection with the collection, storage, and disclosure of your personal information. We use secure servers, and all sensitive/credit information submitted to our Website is transmitted via Secure Socket Layer (SSL) technology only to be accessed by those authorized.
What You can do to Protect Your Information
It is important for you to protect against unauthorized access to your passwords, computers, devices, and applications. We recommend that you use a complex, unique password (comprised of upper- and lower-case letters, special characters, and numbers) for your WTBT account, that you periodically update your password, and that you sign out of your account after use.
Please immediately report any websites, communications, or apps impersonating WTBT, any of our affiliates, or any profiles/accounts impersonating your identity, to WTBT so we can mitigate any damage.
Federal and State Laws and Regulations
We are committed to adhere and comply with all Federal and State laws and regulations regarding consumer privacy protections.
WTBT does not, nor intend to, collect any information from anyone under 13 years of age. Our Website, products, and services are directed to people who are at least 18 years of age or older. If we learn or are notified that we have collected personal information from a person under 13 years of age, we will promptly delete the information from our records.
The California Consumer Privacy Act provides California consumers certain privacy rights. If you are a California consumer, please see our California Consumer Privacy Disclosure.
Updates to this Notice
This Notice will be updated periodically and without prior notice. We will post a notice on our Website to notify you of any significant changes to this Notice or our privacy practices. This version is effective as of the Last Updated date above.
If you have any questions regarding this Notice, please contact us using the information below:
Mail: West Town Bank & Trust
Attn: Mortgage Dept.
8450 Falls of Neuse Rd., Suite 202
Raleigh, NC 27615