Privacy Policy

Collecting and using personal information
Welcome to Woodbridge's websites. We appreciate your interest in us. When you visit and navigate our sites and when you communicate with us via our sites, we will not collect personal information about you unless you provide us that information voluntarily. Any non-public personal information that you may provide via our sites will be used solely for the purpose stated on the page where it is collected. (In some cases, and in all cases where required by law or regulation, you will be able to update the information that you provide to us either by sending us an e-mail or, where you have established personal profiles with us, by updating your profile online. Please refer to the specific pages where data is collected for more information.) Woodbridge will not sell, license, transmit or disclose this information outside of Woodbridge and its affiliated companies unless (a) expressly authorized by you, (b) necessary to enable Woodbridge contractors or agents to perform certain functions for us, or (c) required or permitted by law. In all cases, we will disclose the information consistent with applicable laws and regulations and we will require the recipient to protect the information and use it only for the purpose it was provided.

By "personal information," we mean data that is unique to an individual, such as a name, address, e-mail address, or telephone number. From time to time, we may request personal information from you at our sites in order to deliver requested materials to you, respond to your questions, or deliver a product or service.

*Woodbridge does not request a SSN as a form of validation, but will accept if offered.

Your name, e-mail, address, telephone number
We welcome your comments or questions about our websites and have provided e-mail boxes for that purpose. We will share your comments and questions with our customer service representatives and those employees most capable of addressing your questions and concerns.

Please note that your e-mail, like most, if not all, non-encrypted Internet e-mail communications, may be accessed and viewed by other Internet users, without your knowledge and permission, while in transit to us. For that reason, to protect your privacy, please do not use e-mail to communicate information to us that you consider confidential. If you wish, you may contact us instead by telephone at the numbers provided at various locations on our sites.

There are some locations on Woodbridge's websites where we have made special provisions for a more secure environment in which we can exchange information with you. At each of these locations, we will provide you with appropriate instructions.

Other information; "cookies" and "tags"
You should also be aware that when you visit our websites, we collect certain information that does not identify you personally, but provides us with "usage data," such as the number of visitors we receive or what pages are visited most often. This data helps us to analyze and improve the usefulness of the information we provide at these websites.

Like most commercial website owners, we may use what is known as "cookie" technology. A "cookie" is an element of data that a website can send to your browser when you link to that website. It is not a computer program and has no ability to read data residing on your computer or instruct it to perform any step or function. By assigning a unique data element to each visitor, the website is able to recognize repeat users, track usage patterns and better serve you when you return to that site. The cookie does not extract other personal information about you, such as your name or address.

We may also use what is known as "client-side page tagging", which uses code on each page to write certain information about the page and the visitor to a log when a page is rendered by your web browser. This technique is also commonly used on commercial websites. "Tagging" does result in a JavaScript program running on your computer, but it is limited to providing information about the page that you are requesting and the configuration of your browser. It will not read any of your data files, or execute any additional programs. It does not extract any personal information about you, such as your name or address. You can prevent tagging by disabling JavaScript in your browser, but that may prevent you from using all of our website's functions.

Linking to other sites
From time to time, Woodbridge websites may provide links to other websites, not owned or controlled by Woodbridge, that we think might be useful or of interest to you. We cannot, however, be responsible for the privacy practices used by other website owners or the content or accuracy of those other websites. Links to various non-Woodbridge websites do not constitute or imply endorsement by Woodbridge of these websites, any products or services described on these sites, or of any other material contained in them.

Security
Woodbridge has adopted and adheres to stringent security standards designed to protect non-public personal information against accidental or unauthorized access or disclosure. Among the safeguards that Woodbridge has developed for this site are administrative, physical and technical barriers that together form a protective firewall around the information stored at this site. We periodically subject our site to simulated intrusion tests and have developed comprehensive disaster recovery plans.

Google AdWords

Woodbridge has implemented and uses Display Advertising and Remarketing through the Google AdWords network to advertise online. Visitors can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Preferences Manager. Third-party vendors, including Google, show our ads on sites across the Internet.

Woodbridge and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the Double-click cookie) together to inform, optimize, and serve ads based on someone’s past visits to our website.

Visitors may use the Google Analytics opt-out Browser ad to opt-out of these advertisements online.

Changes to this statement
Woodbridge may change this statement from time to time; when updates are made, the privacy policy version date (located at the bottom of this policy) will also be updated to reflect that a revision occurred. We encourage you to periodically reread this policy to see if there have been any changes that may affect you. This statement is not intended to and does not create any contractual or other legal rights in or on behalf of any party.

FACTS WHAT DOES WOODBRIDGE GROUP OF COMPANIES, LLC
DO WITH YOUR PERSONAL INFORMATION?
Rev. 08/2015
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have
with us. This information can include:

  • Social Security Number and Transaction History
  • Credit History and Investment Experience
  • Risk Tolerance and Account Balances

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Woodbridge Group of Companies, LLC chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Woodbridge Group of Companies, LLC share? Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes— to offer our products and services to you Yes No
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes— information about your transactions and experiences Yes No
For our affiliates' everyday business purposes— information about your creditworthiness No We don't share
For affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share
Questions? Call 866.865.7044 or go to https://www.WoodbridgeGroupOfCompanies.com/contact-woodbridge/
Who we are
Who is providing this notice? Woodbridge Group of Companies, LLC
What we do
How does Woodbridge Group of Companies, LLC protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Woodbridge Group of Companies, LLC collect my personal information? We collect your personal information, for example, when you

  • Show your driver's license or give us your account information
  • Make a wire transfer or show your government-issued ID
  • Give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes-information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.
See below for more on your rights under state law.

Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include other companies, such as Riverdale Funding, LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Woodbridge Group of Companies, LLC does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Woodbridge Group of Companies, LLC doesn't jointly market.
Other important information
Vermont: Under Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, unless the law allows. For example, we may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.

California: Under California law, we will not share information we collect about you with companies outside of Woodbridge Group of Companies, LLC, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.

Version Date: August 22, 2017