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About WoodTrust’s Privacy Policy
At WoodTrust Bank, your privacy is our priority. As financial services professionals entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Customer Information Privacy policies serve as standards for all WoodTrust Bank employees for the collection, use, retention, and security of individual customer information.
We are committed to protecting your privacy as we provide you competitive products and services today and into the future. This notice explains how WoodTrust Bank handles and protects the personal information we collect.
What type of information do we collect? In order for us to provide financial services to you, we collect personal information about you. Some of this information may be "non-public." The non-public information we collect depends upon the accounts or products we provide to you. We collect non-public personal information about you from the following sources:
- Information we receive from you on applications or other forms (such as name, address, age, Taxpayer ID number, assets, income, etc.).
- Information about your transactions with us (such as account balance, payment history, checks written, account deposits, card purchases, etc.).
- Information we receive from consumer reporting agencies or other third parties as part of our loan underwriting and deposit account application process.
Responsible Use of Information Provides Customer Benefits. The information we collect and maintain enables us to:
- Service your accounts with accuracy and efficiency.
- Protect your accounts from unauthorized access or fraud.
- Comply with laws and regulations.
- Provide you with products and services designed to match your needs now and in the future.
Confidentiality of Information. We do not share any non-public personal information with non-affiliated third parties, except as permitted or required by law.
How your information is protected. WoodTrust Bank restricts access to non-public personal information about you to designated personnel who need to know that information to provide products or services to you or who may be responsible for information security. Our employees are educated about the importance of maintaining confidentiality and customer privacy. We also maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.
Maintenance of account information. We strive to maintain the accuracy of your account information. If we become aware of inaccuracies in our records, we will take prompt steps to make appropriate corrections. If you have any reason to believe that your personal information is incorrect, contact us at:
WoodTrust Bank
Attn: Audit Department
PO Box 8000
Wisconsin Rapids, WI 54495-8000
Tips to Help You Protect Your Customer Information
Assistance to Victims of Identity Theft
If you suspect that someone has had unauthorized access to your account with us, or access to your personal identifying information such as your Social Security number or credit card information, please contact us immediately so we can take action to protect you. In addition you should report the crime to your local law enforcement agency and to the FTC Identity Theft Hotline at 1-877-IDTHEFT (1-877-438-4338). For more information visit
www.ftc.gov and click on the “AVOID ID THEFT” link.
Ways to Limit Direct Marketing You May Receive From Outside Sources
WoodTrust does not share your personal nonpublic information with non-affiliated third parties. However, there are outside agencies and companies, which are in the business of compiling mailing lists for purchase by marketers. You may wish to have your name removed from many of these lists by following the procedures outlined below.
Direct Marketers - The Direct Marketing Association’s (DMA) Mail, E-Mail and Telephone Preference Services allow consumers to opt out of direct mail marketing, e-mail marketing and/or telemarketing solicitations. To remove your name from many national direct mail lists, visit
www.dmaconsumers.org and click on “REMOVE MY NAME FROM THOSE LISTS”
To remove your e-mail address from many national direct e-mail lists, visit
www.dmachoice.org/emps/.
To avoid unwanted phone calls from many national marketers, call the National Do Not Call Registry at 1-888-382-1222 or register on-line at
www.donotcall.gov.
Pre-screened Credit Card Offers - To opt out of receiving pre-screened credit card offers, call 1-888-5-OPTOUT (1-888-567-8688) or register on-line at
www.optoutprescreen.com. The three major credit bureaus use the same toll-free number to let consumers choose not to receive pre-screened credit offers.
You must make these requests yourself. Your financial institution cannot do this for you.
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - to provide you with a free copy of your credit report, at your request, once every twelve months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trace Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.
To obtain a free credit report, visit
annualcreditreport.com or call 1-877-322-8228.
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Consumer Banking