HOW WE GATHER & USE INFORMATION

We gather information about you to help us to better understand your financial needs and to provide you with more personalized and efficient service.
For example, this information may prompt us to suggest overdraft protection for your checking account, or recommend an investment product.
In general, the information we gather comes from a variety of sources, including:

Information you provide to us (such as name, address and telephone number).
Information about your transactions with Wachovia (such as account balance and payment history).
Information we receive from credit reporting agencies and other companies and agencies (such as your credit history).

To learn how we gather and use additional types of customer information, select a topic below:

How We Gather and Manage Information Online
How We Use Customer Information
How Wachovia Uses Cookies
How Wachovia Uses Emails
Protecting Children's Privacy

How We Gather and Manage Information Online

When you use our online (Internet) products and services, we may collect information from you to help respond to your requests, personalize our Online Services, and improve our site. Unless you specifically choose to provide us with information that identifies you personally your visits to our site are anonymous.

If you do provide us personally identifiable information, that information will be protected by advanced security measures designed to preserve the confidentiality and security of your transactions.

How We Use Customer Information

The customer information we gather helps us to better understand your financial needs. We may use the information among Wachovia companies and other authorized entities, for the following purposes, among others:

To protect your accounts from unauthorized access or fraud.
To provide you with the products and services you requested.
To service your accounts.
To inform you about financial products and services that may be of interest to you.

How Wachovia Uses Cookies

A cookie is unique to the computer you are using and can only be read by the website that gave it to you and they do not contain viruses.

At Wachovia, we use cookies for various reasons including:

To facilitate online transactions
To help you more effectively navigate and interact with our websites
To personalize your website experience
To help evaluate our website through online surveys, and
To evaluate the effectiveness of Wachovia advertising placed elsewhere on the Internet

How Wachovia Uses Emails

When you send us an email, we use your email address to reply to you, and for a limited time we may store your email address, your message, and our response for quality assurance purposes. We may also do this to meet legal and regulatory requirements. If we collect your email address in this manner, we will not use it to send you email marketing messages unless you give us permission.

Marketing Emails From Wachovia and Your Preferences
With permission, we often use email to inform customers about marketing offers. You can always change your Email marketing preferences:

Three Ways to Opt Out of Marketing Emails
When you give us your email address with Online Services, you may tell us not to email you for marketing purposes.
Opt out of future messages with each marketing email you receive from Wachovia by selecting the opt out link in the email.
Contact us at anytime and let us know your preference by completing our Unsubscribe From Email Marketing Offers form.
Please note that your choice not to receive marketing messages will not affect preferences you may have previously set for Wachovia account and subscription based email services such as newsletters, rate notifications or account updates. You will also still receive service messages regarding your online accounts that we may need to send you from time to time through our secure message site.
Service Emails from Wachovia
Wachovia takes your email marketing preference seriously and will not send marketing messages unless you tell us you want to receive them.
Additionally, we will send you email servicing messages only when necessary or at your initiation to quickly deliver important product enrollment, account or service information potentially requiring action on your part. Rest assured, when you receive such messages, they will be clearly marked as coming from Wachovia and will not request or contain links that request confidential information such as a social security number, permanent login name, user id, password, and/or access code to be provided and sent back through unsecured email.
Suspicious Emails
Should you receive a suspicious email that appears to be from Wachovia, please let us know by:
Emailing us at abuse@wachovia.com, or
Email us via our online Contact Us form and selecting the "Privacy, Security, Fraud and Identity Theft" heading in Step 1.
Calling (888) 521-5114
You may also wish to contact your Internet Service Provider for support in blocking emails or subscribing to a spam filter it may offer.

Visit Email and Web Site Fraud for additional information on how to protect yourself.

Protecting Children's Privacy

We respect the privacy of your children, and we comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.

For more information about the Children's Online Privacy Protection Act (COPPA), please visit the FTC Web site.

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