Privacy Policy

Privacy Policy

WEST SUBURBAN BANK PREPAID CARD PRIVACY STATEMENT

At West Suburban Bank, we do everything we can to protect the privacy of consumers and customers (past and present) including those who visit our website. We value your time and your interest in our organization. We place a high priority on ensuring the security and privacy of data pertaining to each consumer. West Suburban Bank is aware that you may have entrusted us with your financial information and accounts, and may also have shared personal information with us.

We have created our Prepaid Card Privacy Statement to communicate our privacy commitment to you and to serve your privacy needs.

We have created our Privacy Statement to communicate our privacy commitment to you and to serve your privacy needs.

Collection and Use of Information
We may collect personal information about you from the following sources:

Any information we receive from you on applications or other forms whether in writing, in person, by telephone or by electronic means. This may include your name, address, employment information, income and credit references;
Any information about your transactions with us, our affiliates (members of the WSB family) or others. This information may include your account balances, payment history and account usage;
Any information we receive from a consumer reporting agency. This may include account information and information about your creditworthiness;
Any information we receive from other public sources. This may include real estate records and telephone numbers; and
Any information we receive from a third party in order to provide, and allow you to use, your prepaid card.

As required by the USA Patriot Act, we may also collect information and take actions necessary to verify your identification.

Sharing of Information
We do not share your personal information, as described above, with any third parties except with companies that perform services on our behalf as necessary to provide, and allow you to use, your prepaid card.

Confidentiality and Accuracy of Consumer Information
When we share information with third parties, we hold all such parties to the same or higher standards as we do ourselves regarding the privacy of your information. As an added safeguard, we also require them to allow us to audit them for compliance in this regard.

We collect only the information necessary to deliver quality products and services to our customers. We restrict access to your personal information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to protect your personal information.

Every effort is made to ensure that our records of your information are complete and correct. If you notice an error on your statement or in any other communication from us, please contact us at the number listed on your account materials as soon as possible.

Amendments and Changes
Except as required by law, we reserve the right to amend this statement at any time and without notice.

Our Website
When you visit the website that we maintain for our prepaid cards we want you to feel secure that we are respecting your privacy. The only private information we have about you is the information you choose to give us (such as by providing feedback or completing a form or application). We do not share your personal information with any third parties (other than as permitted by law, regulation or certain contractual obligations) except to companies that perform services on our behalf.

If you are a visitor to the website that we maintain for our prepaid cards, our web server automatically recognizes your Internet Service Provider’s domain name and aggregates information about which pages you visited. We use this information to improve the content of our web pages. We do not collect e-mail addresses, postal addresses or telephone numbers to contact visitors to our website.

West Suburban Bank does not currently use “cookies” on our website, except during an Online Banking session (see below) or for loan applications, but may do so in the future for the purpose of serving you better. A “cookie” is a small element of data that a website can send to your browser, which may then be stored on your system. Data collected from “cookies” helps us determine how many people visit certain pages, ultimately enabling us to improve our site design and content. Your web browser can be set to provide you a notice before accepting any “cookies”.

We are not responsible for the collection and use of information by companies or organizations outside of West Suburban Bank that may be linked to our website.

Online Banking
Each customer who has requested Online Banking service with our bank has been provided with an authorized access ID and passcode. We use these combined security controls to not only protect our Online Banking customers, but also to limit the ri csk of unauthorized data access or security problems. If someone wants to use this service, they must submit an application (listed at our website) and be notified of approved authorization and security codes.

E-Mail
Generally, any e-mails that you send to us, and our responses, are not sent in a secure manner. A secure (encrypted) e-mail form is available via Online Banking for e-mails containing personal information that should remain secure.

Children’s Privacy
Protecting the privacy of your children is essential. For that reason, our website is not structured to attract children under the age of 13. Parental consent is required for children under 13 to provide personally identifiable information via our website.

How to Contact Us
If you would like additional information, or if you have questions regarding West Suburban Bank’s Prepaid Card Privacy Statement, please write to us at 711 S. Westmore Ave., Lombard, IL 60148, Attn: Prepaid Privacy Statement.