Privacy Policy

Our Privacy Policy is like us – simple, straightforward.

We respect your privacy so much that our Privacy Policy exceeds the standards required by law. We have an "opt-in" Privacy Policy, which means we won't share your information unless you ask us to. Many organizations' are "opt-out", meaning they'll share your information unless you tell them not to. Where do you think all that junk mail comes from? Nothing private about that. Four things you can always count on:

1. You choose how, and with whom we share your information.
   We'll only share your personal and financial information with others, including companies outside of the UWT family of companies, if:
   • You ask us to
   • You authorize us to process or service a transaction or product
   • When the law requires us to share with authorities
   • The company assists us in marketing our products and services
   • We are allowed by law (e.g. sharing with data processors, credit bureaus, and printers). Remember, it's possible that other companies outside of the UWT family of companies may obtain your name and address from other sources and send you information on their products and services.
2. We'll only collect information necessary to serve your financial needs, to protect against fraud and to fulfill legal requirements.
   We collect information:
   • From your deposit or loan applications, and any other information you provide to us orally, in writing, or through the Internet
   • From your transactions and communications with us
   • From credit bureaus
   • From public records
3. We keep your information secure and confidential.
   The employees with access to your information need it to do their jobs, and are required to strictly maintain your confidentiality. All employees are kept up-to-date on our security and privacy practices. In addition, we maintain physical, electronic and procedural safeguards that comply with (and often exceed) Federal standards. And we routinely test our systems and website to ensure that unauthorized access doesn't occur.
4. Need to close your account? We still maintain your privacy.
   If you decide to close your account or become an inactive Customer, we'll continue to follow our privacy policy with the information we have about you and your account(s).

Using Information to Help You
To help safeguard your information online, we will need to collect or remember information about you from time to time. In order to complete a transaction, it is necessary to be a customer and to register on the site. During registration, we will ask you to provide us with a Personal ID and Password. This ensures that when you transact online with us, it will always be safe and secure.

UWT uses a temporary session cookies to assist us in securing your online activities and enhance the performance of the site. In addition, we use persistent cookies to personalize your banking visit and to analyze visitor trends. For example, personalizing your visit allows you to see unique products and services developed especially for your state of residence. We also analyze our visitor trends to help us understand how our customers are using our Web site. This enables us to build a more user-friendly experience. While your browser may allow you to "reject" cookies, our Web site requires that you accept all cookies in order for the Web site features and security mechanisms to function fully.

Using Information to Help Us
Occasionally, you may encounter banner ads for products and services on other Internet sites. We may use third party ad serving companies to distribute our ads on sites where we've paid to advertise. When you click on a banner, it will take you to our site where the advertised product or service is found. Sometimes these ads contain small graphics or tags in them. These tags capture information such as IP address, browser type and pages being viewed when a user clicks on an ad so we can track the effectiveness of our advertising. These tags do not capture personal information about you. The vendors we use to distribute our ads are prohibited from using any information collected except to track advertising effectiveness.

Email
We collect and keep the contents of email you send us in addition to your contact address and our response. This enables us to respond to your requests and questions. Email sent to us should be used for inquiries that are not sensitive or confidential as regular, non-encrypted Internet email (the email we use on most of the site) is not secure. If we need information beyond your name, address, email address and phone number, we will provide you with a secure email form. We will never request that you confirm your Personal ID, account numbers, Password or other sensitive information via email.

We will ask for an email address when you set up a new account or service with us. We may use this address to communicate with you regarding our products and services. In addition, certain parts of our site provide you the opportunity to subscribe to financial newsletters and alerts by submitting your email address and preferences. You can unsubscribe from our newsletters and marketing alerts at any time by clicking on the "Unsubscribe" link provided in the email or changing your preferences after you login.

Security of Online Sessions
We are committed to protecting the confidentiality of your information and online transactions. We use the highest industry standard for online security -- Secure Sockets Layer (SSL) encryption -- to secure your online sessions. This process safeguards your banking session from intruders. Visit our FAQ page for more information on security.

Preventing Identity Theft
UWT is dedicated to protecting your personal information. Strict policies and procedures have been implemented to ensure that your personal information is kept confidential. Only authorized users can access account information. Every effort is made to protect our customers from fraud. We will never initiate a request for sensitive information from you via email (i.e., Social Security Number, Personal ID, Password, PIN or account number). If you receive an email that requests this type of sensitive information, you should be suspicious of it. We strongly suggest that you do not share your Personal ID, Password, PIN or account number with anyone, under any circumstances. If you receive a suspicious looking email, please forward it to fraud@unitedwetrade.com.

Links to External Sites
At times, we may provide links to sites outside the control of UWT to alert you to products, information and services offered by third parties. Provided links are meant to supplement UWT products, services or information or provide other information we believe may be of interest to you. Although we will only provide links to sites we believe are reputable, we do not make any representations concerning the linked sites' contents or availability. Please note that linked sites may have different privacy and information security policies than UWT. You should review each site's privacy and information security policies carefully before you enter confidential information onto the site.