Privacy Policy

Introduction

At BWLRE Financial Services, we are committed to protecting your privacy and maintaining the confidentiality of your personal and financial information. This Privacy Policy explains how we collect, use, share, and protect your information when you explore our account types, banking options, and financial services.

Information We Collect

Personal Information

We collect personal information that you provide to us when you:

• Inquire about our banking options and account types
• Request information about online banking features
• Apply for financial products or services
• Contact us for customer support
• Visit our website or use our online tools

Financial Information

When you explore our credit tools and banking products, we may collect:

• Income and employment information
• Credit history and financial statements
• Account balances and transaction history
• Investment preferences and risk tolerance

Technical Information

We automatically collect certain technical information including:

• IP address and device information
• Browser type and operating system
• Website usage patterns and preferences
• Cookies and similar tracking technologies

How We Use Your Information

We use your information to:

• Provide information about our banking services and account features
• Process applications for financial products
• Deliver personalized banking solutions and recommendations
• Maintain and improve our online banking platform
• Ensure compliance with financial regulations and security requirements
• Communicate important updates about your accounts and services
• Prevent fraud and protect against unauthorized access
• Conduct risk assessments and credit evaluations

Information Sharing and Disclosure

Authorized Sharing

We may share your information with:

• Affiliated companies within our financial services network
• Third-party service providers who assist in delivering our services
• Credit reporting agencies for account verification and credit decisions
• Regulatory authorities as required by financial compliance laws

Legal Requirements

We may disclose your information when required by law, including:

• Compliance with court orders and legal proceedings
• Response to government investigations
• Prevention of fraud and financial crimes
• Protection of our rights and property

Data Security Measures

We implement comprehensive security measures to protect your financial information:

Technical Safeguards

• Advanced encryption for all data transmission and storage
• Multi-factor authentication for online banking access
• Regular security audits and vulnerability assessments
• Secure data centers with 24/7 monitoring

Administrative Controls

• Employee background checks and security training
• Access controls limiting information to authorized personnel
• Regular review and update of security policies
• Incident response procedures for security breaches

Your Privacy Rights

As our customer, you have the right to:

• Access and review your personal information in our records
• Request corrections to inaccurate or incomplete information
• Opt out of certain marketing communications
• Request deletion of your information where legally permissible
• Receive a copy of your personal data in a portable format
• File complaints about our privacy practices

Exercising Your Rights

To exercise any of these rights, please contact our Privacy Office using the information provided below. We will respond to your request within 30 days and may require verification of your identity for security purposes.

Regulatory Compliance

Our privacy practices comply with applicable financial regulations including:

• Gramm-Leach-Bliley Act (GLBA) privacy requirements
• Fair Credit Reporting Act (FCRA) provisions
• Bank Secrecy Act (BSA) recordkeeping requirements
• Consumer Financial Protection Bureau (CFPB) guidelines
• State privacy laws and regulations

Cookies and Online Tracking

Our website uses cookies and similar technologies to:

• Remember your preferences and settings
• Provide personalized content about our banking services
• Analyze website performance and user behavior
• Enhance security for online banking access

You can control cookie settings through your browser preferences, though some features may not function properly if cookies are disabled.

Data Retention

We retain your personal and financial information for as long as necessary to:

• Provide ongoing banking services and account management
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements
• Maintain accurate financial records

Retention periods vary based on the type of information and applicable legal requirements, typically ranging from 3 to 7 years after account closure.

International Data Transfers

If you access our services from outside the United States, your information may be transferred to and processed in the United States where our servers are located. We ensure appropriate safeguards are in place for international data transfers in compliance with applicable privacy laws.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal requirements. We will notify you of material changes through:

• Email notifications to your registered address
• Prominent notices on our website
• Account statements and communications

Your continued use of our services after such changes constitutes acceptance of the updated policy.

Contact Information for Privacy Concerns

Additional Resources

For more information about financial privacy rights and protections:

• Consumer Financial Protection Bureau: consumerfinance.gov
• Federal Trade Commission: ftc.gov/privacy
• Office of the Comptroller of the Currency: occ.gov