Revision date June 23, 2015
By visiting or using any of our online services or interacting with one of our advertisements displayed through third-party online services, you accept and consent to the data collection, use and sharing practices described in this Policy. If you do not accept and consent to the data collection, use and sharing practices described in this Policy, please do not use our online services.
Information We Collect
When you visit or use our online services, we may collect information that can be directly identified with you, which we refer to in this Policy as “personal information.” Any information that we collect through our online services, or those offered by third parties, which does not by itself reveal your specific identity or relate directly to you, such as aggregated, de-identified or demographic statistical data, is “non-personal information.”
We may collect personal information directly from you through our online services, such as online forms, data entry fields, cookies or mobile applications. Additional personal information from or about you may also be collected and used in other ways, including your communications with us or through reference to information from third party sources. For example:
- When you register for an online account or online access to an existing account, we may collect your name, your mailing address, phone number and email address (collectively, your “contact information”), your existing account number (if applicable), Social Security number (SSN) and other information that we believe is reasonably required for ordinary business purposes. We may also collect any of this information when we otherwise communicate with you. We may use your name and contact information to contact you about our services or about marketing offers that may be of interest to you (subject to applicable law and any marketing preferences that we offer and you have registered with us), or to permit you to complete a consumer survey.
- When you elect to receive electronic statements, notices or disclosures (go paperless) or change your contact preferences, we may ask you to provide additional contact or other information to facilitate these actions.
- When you log into one of our online services, we collect your user ID and password to identify you and permit you access to our online services. If you forget your user ID or need to reset your password, we may ask for your email address, user ID, the last four digits of your SSN, answers to your security questions, and other account information to verify your identity before executing your request.
- When you respond to an online survey question, we may use your answer or any opinions or information that you volunteer to improve our products or services. We may also use your response to develop, publish, share or otherwise disclose statistical or aggregated survey results. Based upon your response, we may provide you with information about products or services that may be of interest to you.
- When you visit or use our online services, we may collect information from your computer, or your smartphone, tablet or other mobile device (collectively, “devices”), and associate it with a visitor identifier, or a customer identifier that identifies you as our customer. (For a discussion about this information, see Cookies, Tags & Other Tracking Technologies below.)
If you have a financial product or service with us, we will use any personal information that we collect from or about you in accordance with our privacy notice (What Does WaFd Bank Do With Your Personal Information?).
When you visit or use our online services, or those offered by third parties, we and third parties may collect non-personal information from your computer or mobile device. These third parties include our affiliates and non-affiliated third parties that provide services on our behalf, including our non-affiliated advertising partners (collectively, our “service providers”). For example:
- When you visit or use our online services, non-personal information may be collected from your computer or mobile device. (See Cookies, Tags & Other Tracking Technologies section below.)
- Non-personal information may be aggregated in our server logs for various purposes, including collection of device event information such as browser crashes, system activity and referral website URL.
We and our service providers may use and disclose non-personal information to other service providers to help us understand how you navigate and which parts of our online services are of most interest to you, provide you the features and functionality of our online services, improve the way that our online services interact with you, and for other purposes described in the Cookies, Tags & Other Tracking Technologies and Online Marketing sections below.
When you use one of our mobile applications, we and our service providers may collect, use and share personal and non-personal information as described in the sections above. We and our service providers may also collect, use and share other non-personal information from your mobile device for various purposes, such as to enable application functionality.
To enable locator tools within our mobile applications, we and our service providers collect, use and share the location of your mobile device (GPS coordinates), unique device identifier, operating system and settings. When you use our mobile applications, we or our service providers collect and use this information to enable you to locate our retail branches and ATMs. If you have a financial product or service with us, we associate this information with an internal identifier that identifies you as our customer. When you request directions through one of these mobile applications, we or our service providers may share this information with third party map applications on your mobile device.
How We Use the Information We Collect
All financial companies need to share customer information for their everyday business purposes. We may share personal information that we collect about you, and non-personal information that we collect from your computer(s) and mobile device(s), including information relating to your web-browsing activities and other online behavior, for such purposes with:
- Our affiliates (i.e., companies related to us by common ownership or control).
- Our service providers for purposes such as servicing accounts or conducting transactions, surveys, research, marketing, data analysis and enrichment.
- Other financial institutions that jointly offer, endorse or sponsor financial products or services with us.
- Other individuals or entities, when we believe that disclosure is necessary to report suspicious activities, prevent physical harm, financial loss, or violations of our agreements and policies.
- Regulators and other organizations or individuals who are legally entitled to receive such information.
If you have a financial product or service with us, we will share any personal information that we collect from or about you in accordance with the notice What Does WaFd Bank Do With Your Personal Information?
Cookies, Tags and Other Tracking Technologies
We and our service providers may collect non-personal information relating to your visit or use of our online services through various means, such as cookies and tags.
A cookie is a small text file containing information (data) that is created and downloaded to your computer or mobile device when you visit a website. Cookies can be helpful in several ways, including allowing a website to recognize your device when you visit, keep track of the pages you visit, and remember your preference choices.
We and our service providers use three common types of cookies: session cookies, persistent cookies and flash cookies:
- Session cookies expire at the end of your browser session and are not written onto your hard drive.
- Persistent cookies are more permanent and store information on your hard drive. They can be re-read when you return to the website that created them.
- Flash cookies (also called locally shared objects) are data files stored on your device by a website using Adobe’s Flash Player technology and are most often used to enhance your browsing experience.
Session cookies are used on our websites to help determine, among other things:
- What pages you visit and actions you take.
- The address of websites and advertisements that you use to link to one of our websites and that you visit after leaving one of our websites.
- Keywords used for searches that brought you to one of our websites.
- Your browser version, hardware and operating system.
- Your Internet Protocol (IP) address.
- Your internet service provider (ISP) and the region from which you connect to our site.
Session cookies are also used on our websites as a type of digital signature to identify your current session to our website servers. On secure pages on our websites, session cookies may also be used temporarily to store your account number in order to identify multiple user IDs associated with one account number. Cookies containing account numbers are protected through encryption and are used to enable you to load a new secure page on our websites during the same session without having to enter your password.
Our websites use persistent cookies to collect information about you, your computer or mobile device and/or your web browser. For example:
- When you visit one of our websites, we may ask you to select your city, state and country of residence. We may store this information in persistent cookies on your computer or mobile device to ensure that appropriate regional information and rates are displayed when you visit the website in the future.
- When you visit one of our websites, we or our service providers associate your browser with a unique visitor identifier.
- When you log into a secure page on one of our websites (as a customer), we or our service providers associate you with an internal identifier that identifies you as our customer. Although this customer identifier allows us or our service providers to know who you are, the cookie will never contain information that would tell a third party who you are, such as your name, address, social security number, account number, telephone number or email address.
Persistent cookies (and visitor identifiers and customer identifiers contained in the cookies) may be used on our websites to:
- Remember your language preferences and city, state and country selection to enable optimization of our websites and a more personalized experience.
- Input your user (log-in) ID automatically, if you choose that option.
- Assist us in authenticating you and your computer or mobile device.
- Analyze products and services you have used to enable optimization of our websites and a more personalized experience.
- Monitor your browsing habits on our websites and deliver online marketing offers and advertisements on our websites that may be of interest to you. (See the Online Marketing section below.)
- Contact you with marketing offers that may be of interest to you (subject to applicable law and any marketing preferences that we offer and you have registered with us).
- Collect information about your computer or mobile device, such as location information, so that we can present content specific to your region.
Both session and persistent cookies are used on our websites to:
- Aid in identifying and addressing application support issues and to aid in fraud prevention and investigations.
- Determine how many people visit our websites, and which sections of our websites are visited most frequently. This helps us to understand what type of information is most useful to our website visitors so that we can improve our websites and make them easier for our website visitors to access information.
You may be able to control your acceptance of cookies and similar technologies on a website, and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. If you do not accept cookies, you may experience some inconvenience in your use of some sites and online products. For example, a website may not be able to recognize your device and you may need to answer challenge questions or provide additional information each time you log on. Deleting cookies does not delete Flash objects. You can learn more about Flash objects including how to control and disable them on the Adobe website.
Tags and Other Tracking Technologies
We and our service providers may also use small images encoded with tags (known as tags or web beacons) and other tracking technologies through our online services for various purposes, including the following:
- To deliver cookies, to count users who have visited certain pages on our websites, and to help us compile aggregated usage statistics to monitor usage patterns and monitor inbound traffic to our websites.
- In email messages to you or on one of our websites to determine whether you have opened an email message from us, clicked on an embedded website link, acted in response to the email message, or otherwise visited one of our websites.
- To help us or our service providers identify your interests, deliver advertisements tailored to your interests, determine the effectiveness of our online advertising, track what happens after you view or click on one of our advertisements on one of our websites or a third party website and measure how many people respond to our advertisements. (See the Online Marketing section below.)
- If we send you an email for marketing purposes, the email may contain one or more weblinks to our website or a third party website operated by one of our service providers. Such weblinks may be encoded with reference information which allows us to identify you online, but will never contain information that would tell a third party who you are, such as your name, address, social security number, account number, telephone number or email address.
We advertise our products and services through online services offered by us and third parties that are not affiliated with us. Our advertisements may take the form of banner ads, splash ads that appear as you sign on or off, or other formats. Products and services advertised through our online services may include pre-screened offers of credit.
We use information about your location, your computer or mobile device, your visits to or use of our online services, your relationship or transactions with us (if you are a customer), and other information described above to present advertisements that may be of interest to you through our online services. We may also use this information to reduce the likelihood that an online offer you have already responded to is presented to you again.
We use service providers to present our advertisements through third party online services. We also use service providers to help determine which advertisements may be of interest to you. Information collected by our service providers through cookies, tags and other technologies includes the number of people who look at websites and advertisements, the sources of online referrals, website browsing patterns, and responses to our advertisements and promotions.
Some of our advertisements displayed through third party online services use behavioral targeting or retargeting technology (interest-based advertising). If you click on one of these advertisements, a cookie or tag may be stored on your computer or device and later used to display tailored advertisements for our products or services.
We do not respond to “do not track” signals transmitted by web browsers or similar mechanisms. However, you may opt out of the use of non-personal information in interest-based advertising of our products or services displayed on third party websites by us, and our service providers.
When one of our advertisements is displayed on a third party website through interest-based advertising, an AdChoices (also known as Advertising Option) icon is also displayed on that website. To opt out of the use of non-personal information in interest-based advertising of our products or services on third party websites, click the AdChoices icon and follow the instructions. If you choose to opt out of interest-based advertising, a cookie will be placed on your browser indicating your opt out decision.
Please keep the following things in mind as you consider whether to opt out of interest-based advertising:
- Your opt out decision is only stored in a cookie in the browser that you are using when you opt out, so you should separately set your preferences for other browsers on other computers or devices that you may use.
- Blocking or deleting cookies in your browser may block or remove your opt out preferences.
- Even if you opt out, you may still receive advertisements for our products or services through websites or other online services offered by us or third parties. However, these advertisements will no longer be customized based upon your web browsing activities on third party websites.
- We and our service providers may still collect non-personal information relating to your web-browsing activities and other online behavior for other purposes, including web analytics.
- The AdChoices icon is part of the cross-industry Self-Regulatory Program for Online Behavioral Advertising, which is managed by the Digital Advertising Alliance. For more information on this program, go to www.aboutads.info.
Third-Party Sites and Services
Our online services may contain links to third-party websites and other online services, which are not governed by this Policy. As such, we encourage you to learn about the privacy and security practices of those third parties. We are not responsible for the privacy or security of such websites and other online services, nor the online collection, use or sharing of personal or non-personal information by third parties.
Accuracy of Your Information
The accuracy of your account and other personal information is important. If you have a financial product or service with us and you find that any personal information we have or have reported to another party does not appear to be accurate, please contact us as follows:
Attn: Client Care Center
9929 Evergreen Way
Everett, WA 98204
Please include your account number, if available.
Protecting Children’s Online Privacy
In accordance with the Children’s Online Privacy Protection Act, we do not knowingly collect personal information from children (i.e., persons under age 13). We do not knowingly collect, store, use or share personal information about children, unless the information has been provided by an adult in connection with the opening of a deposit account for or with the child. We do not accept applications directly from children, and will not send unsolicited promotions to users who indicate they are less than 13 years of age except in connection with an account opened by an adult. This does not prevent parents from opening deposit accounts on behalf of their children. We will obtain parental consent prior to the creation of an account on behalf of a child.
Visitors Residing Outside the United States
If you visit or use our online services, your personal and non-personal information may be collected, stored, used and processed in and transferred to, from and within the United States. In such instances, applicable U.S. federal and state laws shall govern. If you are a non-U.S. resident, such laws may not provide the same level of protection as the laws of the country of your residence.
We reserve the right to update this Policy from time to time to comply with applicable laws and to reflect changes in our online services. For this reason, we encourage you to periodically review this Policy. If we make changes to this Policy, we will revise the “Effective/Revised” date shown at the top of the Policy and post the revised Policy on www.wafdbank.com and through our other online services. The changes will become effective when we post the revised Policy. Your visit or use of any of our websites or other online services following such posting means that you accept the revised Policy.
Attention: Legal Department
425 Pike Street
Seattle, WA 98101