Privacy Policy
This Privacy Policy (Policy) applies to our web site, westgate.bank, and our mobile app (collectively, Web site). It does not apply to any information collected offline or otherwise outside of our Web site. This policy details the kind of information we collect on the Web site, how we collect it, and what we do with it.
The Mortgage Servicing Privacy Policy for West Gate Bank’s mortgage servicing’s web site, servicing.westgate.mortgage/, and our mobile servicing app (collectively, Mortgage Servicing Web site) can be viewed on our Mortgage Servicing Web site.
West Gate Bank® also uses and shares information about its customers in accordance with the terms of the Privacy Notice. The Privacy Notice is located on the Web site and Mortgage Servicing Web site.
Information We Collect
Information you Provide to Us
We may collect personal information about you when you provide it to us while using or interacting with the Web site such as your first and last name, social security number, email address, telephone number, mailing address, business name, login information, location, financial information, account information, messages you submit using the Website’s forms or chat features, pictures you submit, receipts you submit, and other information that may personally identify you. We may also collect account numbers, payment card expiration date, payment card identification, verification numbers and transaction and payment history.
If you enable your mobile app to use facial scan or fingerprint technology (Biometric Information), we may use that Biometric Information to validate your identity, but we do not collect or store your Biometric Information.
Information We Collect Automatically
The Web site may use technologies that collect certain information about you automatically. We may collect, among other things, your IP address, location, device type, date and time of visit, operating system, browser type and version, microphone, camera, your activities on the Web site, and information about how you use the Web site. If you are using the Web site via a mobile device, we may also collect your mobile device’s unique device ID and information about other apps on your mobile device.
Information We Get from Third Parties
During the normal course of business, we may receive information about you from our third-party service providers and other business partners. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus. We may also receive information from third-party analytics on the Web site that allows us to improve our Web site and services.
Information Collecting Technologies
West Gate Bank, and third parties, may use technologies that collect information automatically including cookies and web beacons. This includes Google Analytics which West Gate Bank uses to help us understand how you interact with the Web site.
Understanding Cookies and Web Beacons:
Cookie: A cookie is a small text file that is sent to your browser when you access a website. We, and third parties may use session cookies or machine cookies. A session cookie is available only during your browser session; the information is not sent or stored on your device’s hard drive. Closing the browser or logging off will invalidate the session cookie. Machine cookies remain on your hard drive and gather information, sometimes over time and across web sites. If you do not want us to place cookies, set your browser to refuse some cookies or to alert you when cookies are being sent. If you do so, be aware that some parts of the Web site may then be inaccessible or may not function properly.
Web Beacons: Web beacons (also known as tracking pixels) are electronic images, tags, or scripts that allow a website to access cookies and help track general usage patterns of visitors to a website. Web beacons can recognize certain types of information, such as cookies, time and date of a page view, or a description of the page where a web beacon is placed. We, and third parties, may use web beacons to gather information about your use of the Web site.
Certain applications on mobile devices may transmit information to us about your location. We may use that information to improve the products and services we offer as well as to improve overall customer experiences. Information collected through tracking technologies is for many purposes, including to provide useful features to simplify your experience and to deliver relevant content based on your preferences, usage, and location.
How We Use Information
Information you Provide to Us
West Gate Bank uses information that you have provided to us, as permitted under applicable law, to:
Provide the Web site, related services and products
Identify you as a legitimate user in our system
Respond to requests you have made for information, products or services
Marketing efforts, including keeping you informed about exciting new products and services or changes to existing ones
Provide you outstanding customer support
Resolve problems and disputes with the Website
Improve our Website, products and services
Collect surveys and other feedback
Operate contests or other promotions
Maintain the security and integrity of the Website
Prevent, identify, investigate/deter fraudulent, harmful, unauthorized, unethical, or illegal activity, including cyberattacks and identity theft
Monitor and enforce compliance with this Policy
Fulfill any other purpose or obligation for which you provide it or offer your consent
Comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities
Protect our, your or other’s rights, privacy, safety, or property (including by making and defending legal claims)
Information We Collect Automatically or Receive from Third Parties
Information that is collected automatically or received from third parties may be used for a variety of business purposes. These include monitoring Web site traffic, delivering relevant content, improving the Web site, security of the Web site and overall use of the Web site. We may use information that is otherwise de-identified, aggregated, or anonymous, for any purpose. We reserve the right to use and disclose non-identifiable information to third parties at our discretion.
Disclosure of Information
We may share your information, including personal information:
With service providers and other third parties we use to support our business or the Web site.
For any purpose disclosed by us when you provide the information.
With your consent.
As permitted under applicable law.
We do not sell your information to third parties.
Opt-Out
If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication.
If you provide your phone number through the Web site, we may send you notifications by SMS to provide a fraud alert, for example. You may opt out of SMS communications by unlinking your mobile phone number through the Web site.
Some web browsers transmit “do not track” signals to the web sites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, web sites should do when they receive these signals. We currently do not act in response to these signals. If a standard is established, we may revise our policy on responding to these signals.
If you initially consented to the collection of geo-location information through the Web site, you could subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the Web site.
Children's Privacy
We do not use the Web site to knowingly solicit personal information from, or market to, children under the age of thirteen (13) without parental consent. For additional information regarding the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission web site.
Data Security
We are committed to protecting your personal information from unauthorized access or use. We will use commercially reasonable measures to protect information within our organization. Be aware that no data transmission or storage system is guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, immediately notify us in accordance with the CONTACT US section of this Policy.
Preventing Identity Theft
To help us protect your information, it is important that you always keep your account information safe. We encourage you to never share your username, password, or PIN with anyone. By providing your username, password, or other credentials to any person or third party (including an aggregation service) you authorize that person or third party to initiate transfers to or from your account.
West Gate Bank will never initiate a request via email or text message requesting information such as your Social Security Number, username, password, PIN, or account number. If you receive an email or text message that appears to be from West Gate Bank, asking for sensitive information, you should be suspicious of the request and immediately contact us in accordance with the CONTACT US section of this Policy.
Linked Third Party Web Sites
Our Web site may contain links to web sites operated and maintained by third parties, including social media platforms. When you click on a link to any other web site or location, you will leave our Web site and go to another site and another entity may collect personal and/or anonymous information from you. The Web site’s provision of a link to any other web site or location is for your convenience and does not signify our endorsement of such other web site or location or its contents. West Gate Bank does not control, nor are we responsible for, the privacy or security of those web sites, including the accuracy or reliability of their information. Please be aware that the terms of this Privacy Policy do not apply to these outside web sites. We encourage you to read the privacy policy of every web site you visit.
Changes to this Policy
This Privacy Policy is subject to occasional revision to accommodate new technologies, industry practices, regulatory requirements or for other purposes. If we do make changes to this Policy, we will let you know by posting the revised Policy with a new “Last Updated” date to the Web site. Changes to this Policy will become effective when it is posted to the Web site. We encourage you to review this Policy periodically. By continuing to use the Web site, you are agreeing to accept the terms of the revised Policy.
Contact Us
You can access, update, or correct your information by changing preferences in your account. For additional requests, please contact us using any of the “Contact Us” options within the Web site.
If you have questions or comments about this policy or our privacy practices in general, contact our Customer Solutions Center using any of the “Contact Us” options within the Web site.