Online Privacy Statement
Last Updated: February 2, 2018
Your privacy is important to us. This Online Privacy Policy explains how we collect, share, use, and protect information when you visit or use this online service (the “service”). This policy covers the Bank’s many online services, including the Woori America Bank (the “WAB”) websites, Mobile Banking, and WAB-branded social media sites or pages as well as any interactions you may have while viewing content provided through one of the Bank’s digital advertising campaigns.
As you review this Online Privacy Policy, here are a few general principles to keep in mind:
- Our online services are intended for a U.S. audience. If you visit or use one of our online services, your information may be transferred or processed in the United States. For non-U.S. online services, please review the privacy policy applicable to that service to understand how your information will be treated and safeguarded.
- Our online services are not intended for children under 13. We do not knowingly collect personal information from children under 13 without parental consent;
- Our social media sites or website pages may have additional terms from this policy about the privacy of your information. Please review the privacy policy for the specific online service you are using;
- Our Privacy Statement does not cover information you provide to Apple, Google, Microsoft, or any other third-party app provider, operating system provider, device manufacturer or wireless service provider.
Information We Collect
Personal Information
When you visit or use our online services, we may collect personal information from or about you such as your name, email address, mailing address, telephone number(s), account numbers, limited location information (for example, a zip code to help you find a nearby ATM), user name and password. We may also collect payment card information, Social Security Numbers, driver’s license numbers (or comparable) when you provide such information while using our online services and where we believe it is reasonably required for ordinary business purposes.
If you’ve enrolled in Bill Payment services, such as mobile bill payment, we may collect personal information about your transactions, and how you interact with third parties such as those you pay like a utility company or phone company. You can refer to the Privacy Statement for your account or service to learn how your information is collected and used.
Usage and Other Information
In addition to the personal information described above, we may collect certain information about your use of our online services. For example, we may capture the IP address of the device you use to connect to the online service, the type of operating system and browser you use, and information about the site you came from, the parts of our online service you access, and the site you visit next. We may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our online services. In addition, we may later associate the usage and other information we collect online with personal information about you.
WAB Mobile
For your convenience, WAB may offer you the ability to access some of our products and services through mobile applications and mobile-optimized websites (“WAB Mobile”). When you interact with us through WAB Mobile, we may collect information such as unique device identifiers for your mobile device, your screen resolution and other device settings, information about your location, and analytical information about how you use your mobile device. We may ask your permission before collecting certain information (such as precise geo-location) through WAB Mobile.
Use of Information
We use the information discussed above in a number of ways, such as:
- Processing applications and transactions;
- Verifying your identity (such as when you access your account information);
- Preventing fraud and enhancing the security of your account or our online services;
- Responding to your requests and communicating with you;
- Managing your preferences;
- Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view;
- Providing you tailored content and marketing messages;
- Operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions);
- Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies; and
- For any other purposes that we may specifically disclose at the time you provide or we collect your information.
We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.
Disclosure of Information
We will not share the information we collect from and about you with our affiliates and other third parties. However, we may share your information to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect the rights, property or security of our customers or third parties.
We may share anonymous or aggregated information with third parties to help deliver products, services, and content that are better tailored to the users of our online services and for other purposes.
Understanding Cookies, Web Beacons and Other Tracking Technologies
We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services.
- “Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online services.
- Clear GIFs, pixel tags or web beacons—which are typically one-pixel, transparent images located on a webpage or in an email or other message—or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements or you otherwise interact with advertisements outside of our online services. These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement.
- Local Shared Objects, sometimes referred to as “flash cookies” may be stored on your hard drive using a media player or other software installed on your device. Local Shared Objects are similar to cookies in terms of their operation, but may not be managed in your browser in the same way.
Linking to Third-Party Websites
We may provide links to websites that are operated by other companies ("third-party websites"). When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the linked third-party website before providing any information on that website.
Security
We use reasonable physical, electronic, and procedural safeguards that comply with federal standards to protect and limit access to personal information. This includes device safeguards and secured files and buildings. Visit our “Security” section at www.wooriamericabank.com from your personal computer for additional information about how we protect your Personal Information. Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information (such as your Social Security number) to us.
Updating Your Information
Keeping your account information up to date is very important. You may review or update certain account information by logging in and accessing the “Self Service” section. If you cannot change the incorrect information online, or you prefer to request changes offline, please visit the “Contact Us” section on our web site, or call or write to us using the contact information listed on your account statements, records, or other account materials. You can also speak to one of our branch representatives, or your designated account representative.
Protection for Former Customers
When you are no longer our customer, we continue to protect, use, and share Personal Information about you as described in this notice and as required by law.
Keeping Up to Date with Our Privacy Policy
We may amend this Policy at any time by posting a revised version on the Site, which will be effective at the time it is posted unless a delayed effective date is expressly stated in the revision. You may (in our discretion) also be provided with an email notification of such amendments. You may (in our discretion) be required to affirmatively acknowledge or accept the revised Privacy Policy in order to continue using the Services. Any use of the Services after a notice of change (whether by Site posting, email, or express acknowledgment or acceptance) will constitute your express agreement to such changes.
Contacting Us
If you have any questions about this Privacy Policy, you may contact us at the postal address or telephone number below:
In writing:
Woori America Bank
330 Fifth Avenue New York, NY 10001
Telephone number: (888) 699-6674
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