Privacy Statement
Privacy at a Glance
Wachovia Securities1 is dedicated to protecting your privacy and providing you with the highest level of service. We want you to understand how we gather and may share client information at Wachovia Securities, the choices you have, and how we protect that information in everything we do.You Have Choices
- You may direct us not to contact you for marketing purposes by:
- Telephone
- Direct mail
- You may direct us not to allow Wachovia companies to share or use information about you in two ways:
- Do not share, among Wachovia companies, credit information about me that you receive from me or others; and
- Limit Wachovia companies from marketing their products and services to me based on credit or transaction information about me that they receive from other Wachovia companies.
How to Reach Us to Exercise Your Choices
- Visit a Wachovia Financial Center or Wachovia Securities Office.
- Call us at 1-866-203-5722 to speak to a representative (Command Asset Program, IRA, Brokerage, and Insurance clients should call 800-WACHOVIA (800-922-4684).
- Complete our Consumer Privacy Preferences form.
How We Protect Client Information
Keeping financial information secure is our responsibility and our commitment to you.- We protect client information through physical, electronic, contractual and procedural measures that comply with or exceed applicable laws and standards.
- We train our employees to protect client information and only authorize access for employees who we believe have a business need for that information. Employees are held accountable by Wachovia's Code of Conduct and Ethics to properly protect client information.
- We have processes that provide for the proper physical security of workspaces and records.
- We require contractors and other companies that provide services on our behalf to protect information, and we prohibit those companies from using it for any other purpose. We limit the information provided to these companies to the information that we believe is necessary to fulfill their responsibilities or to deliver a financial service to you.
- Protecting information about our clients online is an essential part of our service to you. For more information on our Internet Security and Privacy practices, please visit www.wachoviasecurities.com/internetprivacy.
Sharing Client Information Within Wachovia Corporation
Sharing Client Information Outside of Wachovia Corporation
How We Use Client Information
Your Privacy Choices at Wachovia
When Financial Advisors Leave Wachovia Securities
How to Protect Yourself
If You Believe You May Be a Victim of Fraud or Identity Theft
How to Limit Direct Marketing from Other Companies Maintaining Accurate Information
If You Have Questions, Contact Us
Other Applicable Laws
Your Choice to Limit Use of Information for Marketing
How We Gather Client Information
We gather information about you to help us 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. 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 Securities (such as account balance and payment history).
- Information we receive from credit reporting agencies and other companies and agencies (such as your credit history).
Sharing Client Information Within Wachovia
Wachovia includes several related companies. These companies operate in a variety of business lines, such as banking, credit cards, consumer loans, insurance, securities and others. We may share client information about you among the companies that make up Wachovia, including:- Information based on your transactions with us (for example, information that we would collect about your loan amounts and deposits with us in order to offer you a rate based on total balances) and contact information (such as your name and address).
- Credit information received from you or others (such as information from your credit application or your employment or credit history) to evaluate your eligibility for various financial services (for example, a home equity loan at a special rate).
Sharing Client Information Outside of Wachovia
We do not provide client information to companies outside of Wachovia, except as outlined below. You do not need to request this confidentiality - it is our standard practice. We may provide all of the information we gather to:- Companies that perform business operations for us (such as check printing).
- Companies that act on our behalf to market our services, or financial institutions with whom we have entered into a joint marketing agreement in order to provide you with valuable financial products and services.*
- Others as permitted or required by law (such as to protect against fraud or in response to a subpoena).
How We Use Client Information
The client information we gather helps us to better understand your financial needs and to provide you with superior service by offering the right services at the right time. 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.
Your Privacy Choices at Wachovia
Because we recognize that you may wish to limit the ways in which we contact you for marketing purposes, we offer the following options. You may choose not to be contacted for marketing purposes by:- Telephone
- Direct Mail
- Do not share among Wachovia companies credit information about me that you receive from me or others.
- Limit Wachovia companies from marketing their products or services to me based on credit or transaction information about me that they receive from other Wachovia companies (This option is fully described in the section below titled "Your Choice to Limit Use of Information for Marketing").
When Financial Advisors Leave Wachovia Securities
Wachovia Securities recognizes that your relationship with your financial advisor is important. If your financial advisor's affiliation with Wachovia Securities ends and he or she joins a non-affiliated securities broker-dealer with which Wachovia Securities has entered into an agreement regarding the movement of financial advisors between firms, Wachovia Securities will permit the financial advisor to use certain client contact information to solicit clients to join the financial advisor's new firm. The client contact information that the financial advisor may use is limited to your name, address, email address, phone number and account title. If your financial advisor is affiliated with Wachovia Securities Financial Network, LLC (WSFN) and the financial advisor's relationship with WSFN is terminated, your WSFN financial advisor will also be permitted to retain originals or copies of all client and account documentation for the purpose of continuing the relationship with you and servicing your account through the financial advisor's new firm. Wachovia Securities Financial Network, LLC will also retain your client and account documentation.How to Protect Yourself
At Wachovia, we're committed to client protection, which includes protecting personal information about you as well as providing you with ways to protect yourself. We recommend that you follow these security measures to protect and help prevent potential misuse of personal information about you:- Protect and properly dispose of your account records.
- Do not share account information, passwords, user IDs, PINs, code words or other confidential information with others.
- Do not provide confidential information by telephone to unknown callers.
- Do not provide confidential information online unless you initiated the contact, know the party with whom you are dealing, and provide the information through a secure channel.
- When conducting business over the Internet, always use a secure browser, exit online applications as soon as you finish using them, and make sure you have virus protection and a firewall and update them regularly.
- Monitor your credit report for accuracy. By law, you are entitled to receive one free credit file disclosure every 12 months from each of the nationwide consumer credit reporting companies. To learn more or request a copy of your credit report, visit annualcreditreport.com or call 1-877-322-8228.
- For additional information, please visit www.wachoviasecurities.com/security or call us at 1-888-647-3648
If You Believe You May Be a Victim of Fraud or Identity Theft
Contact us at 1-888-647-3648 to place holds on your accounts, obtain a free copy of Wachovia's Client Fraud Assistance Package or for other assistance.How to Limit Direct Marketing from Other Companies
To reduce the marketing materials you receive from companies other than Wachovia:- Contact the Credit Reporting Industry's pre-screening opt out number (1-888-567-8688 or visit www.optoutprescreen.com). This should remove your name from credit reporting industry databases used for making pre-approved credit solicitations.
- Add your telephone number to the National Do Not Call Registry. You may either call 1-888-382-1222 or register online at www.donotcall.gov. While this will stop many calls, you may still receive calls from businesses where you are a client.
Maintaining Accurate Information
It is important to keep information about your accounts accurate and up to date. If you ever believe that our records contain inaccurate or incomplete information about you, please let us know immediately by contacting us at 800-WACHOVIA (800-922-4684). We are committed to resolving any inaccuracies as quickly as possible. Credit Reporting AgenciesIf you believe we have reported inaccurate information about your account to any credit reporting agency, please let us know in writing. Be sure to include your complete name, current address, Social Security Number, telephone number, account number, type of account, specific item of dispute and the reason you believe the information is wrong. Send your notice to: Wachovia Bank, N.A., P.O. Box 3117, Winston-Salem, NC 27102. We will investigate your concern and correct any inaccuracies we find. We will inform you of any actions we take.
If You Have Questions, Contact Us
We welcome the opportunity to answer any questions you may have about this statement or the safeguarding and confidentiality of information about our clients. Please visit our Web site at www.wachoviasecurities.com/privacy, visit a Wachovia Financial Center or Wachovia Securities Office, or call us at 1-866-203-5722 (Command Asset Program, IRA, Brokerage, and Insurance clients should call 800-WACHOVIA (800-922-4684) to speak to a representative.Other Applicable Laws
The practices described above are in accordance with federal law. You may have other protections under applicable state laws, such as those in Vermont, California and Nevada. To the extent these state laws apply, we will comply with them when we share information about you. For example, Vermont law places additional limits on sharing information about Vermont residents. As long as he or she remains residents of Vermont, we will not share information we collect about Vermont residents to companies outside of Wachovia, except:
- To companies that perform marketing or other services on our behalf;
- Contact information (like name and address), and transaction information (such as your payment history) to other financial institutions with which we have joint marketing agreements;
- With the authorization or consent of the Vermont resident; or
- As permitted or required by law.
Attention: VA7282
PO Box 13327
Roanoke, VA 24040 Bureau of Consumer Protection
Office of the Nevada Attorney General
555 E. Washington Street, Suite 3900
Las Vegas, Nevada 89101
Phone: (702) 486-3132
Email: BCPINFO@ag.state.nv.us
Your Choice to Limit Use of Information for Marketing
Wachovia Securities1 is providing this notice. You may limit Wachovia companies, such as the Wachovia banking, insurance and securities affiliates, Wells Fargo & Company and its affiliates, Evergreen companies, American Mortgage Network, Inc. doing business as Vertice, Wachovia Administrative Services, Inc., Wachovia Management Corp., Wachovia Warranty Corp., Heritage Indemnity Company, Heritage Mechanical Breakdown Corp., J.L. Kaplan Associates, LLC, Metropolitan West Capital Management, LLC, Tattersall Advisory Group, Inc., Westlake Group Ltd., and Westlake Insurance Company, Ltd., from marketing their products or services to you based on credit or transaction information about you that they receive from other Wachovia companies. This information includes your account balance, payment history, and your credit history. Your choice to limit such marketing offers from Wachovia companies will apply until you tell us to change your choice. If you have already made a choice to limit such marketing offers from Wachovia companies, you do not need to act again. To limit such marketing offers, contact us:- By telephone: 1-866-203-5722 (Command Asset Program, IRA, Brokerage and Insurance clients should call 800-WACHOVIA (800-922-4684);
- On the Web: www.wachoviasecurities.com/privacy; or
- Visit a Wachovia Financial Center or Wachovia Securities Branch Office.