Privacy Policy
Your Privacy Is Important To Us
At Wilmington Trust, we know how important personal privacy is to you. We recognize
that whether you are an existing client or are considering a relationship with us,
you have an interest in how we collect, retain, and use information about you and
your financial relationship with us. Our systems and policies have been engineered
to provide maximum protection against unauthorized access to sensitive customer
information. The following information details what we have done to answer your
financial privacy concerns:
Staff Member Access to Information
We permit only authorized staff members to have access to your information. This
access enables our staff to assist you in completing transactions, offering additional
financial services and resolving any issues that might arise. We have policies and
procedures in place and have educated our staff members on the importance of confidentiality
and client privacy. Any staff member who willfully or knowingly violates these policies
is subject to disciplinary action, including the possibility of termination.
How and Why Information Is Collected and Shared
We will collect, retain and use only the information that we are permitted by law
to obtain and that we believe is useful in helping you succeed. We use your information
in ways that are compatible with the purposes for which we originally obtained or
requested it, such as to process your requests and transactions, to provide you
with additional information about products and services, or to evaluate your financial
needs. We are highly selective in choosing vendors and service companies that assist
us in providing quality products and services to our clients. We may share certain
client information with these parties to facilitate the offering, administration,
collection, and delivery of these products and services, but any such sharing is
done under controlled circumstances designed to protect our clients' privacy. In
addition, we require these parties to comply with strict standards regarding security
and confidentiality of such information.
Wilmington Trust does not sell any customer information to third party marketing
companies.
At times, we may be legally required to disclose information about you, such as
in response to a subpoena, to prevent fraud, or to comply with a legally permitted
inquiry by a governmental agency or regulator. We may also exchange your information,
to the extent permitted by law, to perform necessary credit checks or collect or
report debts owed to us, to protect our rights or property, for verification and
risk management, and for other legally permissible purposes.
Maintaining the Accuracy of Your Information
Keeping your account information up-to-date is very important to us. We have established
procedures to ensure that your financial information is as accurate and up-to-date
as reasonably possible. If you believe that our records contain inaccurate or incomplete
information, please call or write to us at the telephone number or address listed
on your account statement. We will investigate the matter and take prompt steps
to make appropriate corrections.
Security Standards
We have established and continually maintain security standards and procedures to
help us protect you from unauthorized access to confidential information we may
have about you, including through the Internet.
Protecting Website Information
When you visit www.wilmingtontrust.com, you may ask yourself, "Is it really safe
to conduct bank business on the Internet?" At Wilmington Trust, the answer to that
question is
YES. While no system is impenetrable, our systems are designed
for maximum protection of your information .
For your protection, we use 128-bit
encryption for our on-line services. Data is transferred via a "secure session"
established with Secure Sockets Layer (SSL) 128-bit encryption technology. This
technology protects information as it crosses the Internet by encrypting - or scrambling
- your account information so it is virtually impossible for anyone other than you
and Wilmington Trust to read it. If your Internet browser does not support 128-bit
encryption, you can download the most current version of Netscape®'s browser or
Microsoft® Internet Explorer free of charge. (If you access the Internet from a
corporate network, we recommend that you contact your network administrator before
downloading a new browser.) If your browser is provided as part of a national Internet
Service Provider ("ISP"), such as America Online or Prodigy™, you will need to check
to see if your version is capable of supporting SSL 128-bit encryption technology.
If your browser does support the 128-bit encryption, it will activate SSL automatically
whenever you sign onto our on-line services.
Note to International Customers
Under current U.S. export laws, web browsers that encrypt data in 128-bit sessions
may only be exported to a limited number of countries outside of the U.S. Therefore,
if you are located outside of the U.S., you may not have access to such a browser.
In this case, you would not be able to use our on-line services, and your ability
to enjoy other features of our site would also be limited.
Password Protection
Your unique User ID ("UID") and password also protect access to accounts you may
have with us and to transactional information through our on-line services. You
can also help maintain the security of your financial information by not sharing
your UID or password with anyone, by changing your password regularly, and by remembering
to sign off of our website when you have finished your session.
When Website Information is Collected and Not Collected
If you register with our website, we will request information from you in connection
with your registration. In addition, if you choose to apply for various on-line
products and services that we offer, such as On-Line Banking, On-Line Brokerage
and/or On-Line Portfolio, we will request personal information that we need to process
your application. Subsequent to signing up for these on-line services, we may also
request information from you, such as your email address or your account number,
to enable you to perform certain tasks (for example, review your accounts or correspond
with us). In this case, we will collect your information if necessary to interact
with you. If you do not register with us or sign up for our on-line services, we
do not collect any personal information from you.
About "Cookies"
A "cookie" is a small text file placed on your computer hard drive by our web server.
Cookies are commonly used on websites and do not harm your system or read or collect
information from your computer's hard drive. To better serve you and to provide
a more effective website, we use "cookies" as part of our interaction with your
web browser. We use cookies to determine if you have previously visited our website,
to log the pages you use on our site, and for a number of administrative purposes
- for example, to store your preferences for certain kinds of information. These
cookies do not collect personally identifiable information, but we may combine information
collected through cookies with other personal information you have provided to us
in connection with your use of our website to determine who you are or your email
address. All of this information helps us in our efforts to continually improve
our website and to be responsive to your specific needs. Cookies will not contain
information that will enable anyone from Wilmington Trust to contact you via telephone,
e-mail, or U.S. mail. You can set up your web browser to inform you when cookies
are present or to prevent cookies from being set up. However, by rejecting a cookie,
some of the features available on our website may not function properly or be accessible
to you. If while inside our website you receive a pop-up box asking if you would
like to "accept the cookie," you must answer "yes" in order to advance beyond the
area that prompted the message.
Email
We may preserve the content of your email, your email address, and our response
so that we can more efficiently handle any questions you may have and also to meet
legal and regulatory requirements. If we think that a particular Wilmington Trust
product or service may help you achieve your financial goals, we may occasionally
contact you at your email address to inform you of its potential benefits and availability.
For secure transmissions, your email messages to us should be sent using your Wilmington
Trust Mailbox within On-Line Banking, which is secured with Secure Socket Layer
technology. We request that you not send sensitive, confidential information such
as social security or account numbers to us via an unsecured email, because it is
possible that the information could be intercepted during transmission. Any communications
of sensitive or confidential information should be sent to us via the secured Mailbox
within On-Line Banking, by U.S. mail, or you may call 1-800-523-2378 or visit one
of our offices.
Consolidation Sites or Account Aggregators
We recommend that you exercise caution when using account aggregator or consolidation
sites. These sites are Internet sites that offer the ability to collect some or
all of your personal information on one site. For example, you might be encouraged
to provide an account aggregator with your personal financial information, such
as your ID and password for online services.
You should never provide personal information
to a site that you do not recognize and fully trust. Use of your personal
information is governed by the policies and practices of the companies providing
such services and not by the policies of Wilmington Trust. You should also note
that all transactions initiated by an account aggregator, using access information
provided by you, are considered to be authorized by you whether or not you were
aware of the specific transaction. You may revoke this authority only by notifying
us, and we may need to block your account until we issue a new UID and/or password
to you.
Surveys
Information you voluntarily provide on surveys and promotions on our website will
be used for internal marketing purposes, such as developing website information
and services that you may find helpful. In addition, we may inform you of new or
upgraded products and services based on the information you provide to us.
Protecting Our Children
We recognize that protecting children’s identities and privacy online is important
and that the responsibility to do so rests with both the online industry and with
parents. We do not knowingly solicit data from children under the age of 13, and
we do not knowingly market through our website to such children.
* * * * *
If you have any specific questions related to our Security and Privacy Statement,
please
contact us or call us at 1-800-523-2378