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The security of your personal information
is always a priority at Woori America Bank. We work
hard to help you stay safe when banking online.
To ensure your accounts stay safe, you also need
to look after your own security. Find out what you
can do to protect yourself and your computer online,
and how to avoid internet scams and dodgy emails. |
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Check out the glossary
for clear examples of all the terms you'll come
across.
Email and Web site scams
Web Site Spoofing
Lottery/Sweepstakes Letter scams |
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Email
and Web site scams |
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Criminals have capitalized
on the broad power and wide availability of the
Internet and electronic mail (e-mail) to defraud
unsuspecting people. It is critical that each of
us maintain constant vigilance over the way we use
the Internet and all forms of electronic communication.
Phishing(pronounced "fishing")
– as in fishing for confidential information - is
a scam that encompasses fraudulently obtaining information
by sending an e-mail that appears to originate from
a trusted source, such as a financial institution,
government agency or other entity. This is how it
works: |
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A consumer receives an e-mail
which appears to originate from a financial
institution, government agency, or other
well-known/reputable entity. |
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The message describes an urgent
reason you must "verify" or "re-submit"
personal or confidential information by clicking
on a link embedded in the message. |
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The provided link appears to
be the Web site of the financial institution,
government agency or other well-known/reputable
entity, but in "phishing" scams,
the Web site belongs to the fraudster/scammer.
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Once inside the fraudulent
Web site, the consumer may be asked to provide
Social Security numbers, account numbers,
passwords or other information used to identify
the consumer, such as the maiden name of the
consumer's mother or the consumer's place
of birth. |
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When the consumer provides
the information, those perpetrating the fraud
can begin to access consumer accounts or assume
the person's identity. |
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Below are current
links with information regarding phishing:
http://www.youtube.com/user/FTCvideos
Vishing is a socially engineered technique
for stealing information or money from consumers
using the telephone network.
The term comes from combining "voice"
with "phishing," which are online scams
that get people to give up personal information.
It is one of the latest breakthroughs in telecommunications-Voice
Over Internet Protocol, or VoIP, which enables
telephone calls over the web.
Pharming refers to the redirection
of an individual to an illegitimate Web site through
technical means. For example, an Internet banking
customer, who routinely logs in to his online
banking Web site, may be redirected to an illegitimate
Web instead of accessing his or her bank's Web
site. |
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Web
Site Spoofing |
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Spoofing is another
trick used by criminals. Criminals steal a Web site's
code — the technical programming that makes the
Web site work — and use it to create a fake Web
site that "spoofs" or appears to be the
legitimate site.
The difficulty for unsuspecting consumers is
that these sites look legitimate. To help protect
yourself, be aware of how you're accessing the
site.
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Don't follow a link in an unsolicited
e-mail if you have any doubts about the sender
(see "phishing", above). |
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Type all Web site addresses
carefully, or use Favorites or Bookmarks to
store frequently accessed sites — especially
financial-related sites. Misspelling, even
by one letter, the address of the Web site
you are trying to access may send you to an
incorrect, possibly fraudulent, Web site. |
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OnGuardOnLine.gov
provides practical tips from the federal government
and the technology industry to help you be on guard
against Internet fraud, secure your computer, and
protect your personal information.
For additional information about safe online banking
and avoiding online scams, visit http://www.fdic.gov/consumers/consumer/guard/ |
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Lottery/Sweepstakes
Letter scams |
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If you receive a letter,
accompanied by a check with Woori America Bank,
that claims you have won a lottery, a sweepstakes,
have been chosen to be a paid "secret shopper"
or a similar variation of a popular contest, be
advised that these are scam letters and fraudulent
checks.
If you contact the sender as requested, you will
be instructed to negotiate the check and forward
the sender money through a wire transfer or money
order. Please do not negotiate these checks, as
they are not authentic Woori America Bank checks.
If you receive one of these letters and/or checks,
you should report it to your local U.S. Postal Inspection
Service. |
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What
Is Identity Theft? |
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Identity theft is when
personal information is stolen, such as a Social
Security number (SSN) and date of birth, to commit
fraud and other illegal activities.
A thief can use this information to obtain credit
cards, mortgage loans, cell phones, as well as
withdrawing money from personal bank accounts.
Some criminals will even use this information
to commit crimes and acquire jobs in the victim’s
name.
Stolen Identity can be a difficult and costly
burden for the victim. Therefore, it is imperative
that you make sure that you are aware of the types
of activities that a criminal can do to obtain
your personal information and what you can do
to prevent it.
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How
Does Identity Theft Occur? |
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Identity thieves use
many ways to steal someone’s personal information.
They can search through your trash or hack into
your personal computer. The following are just a
few examples of items identity thieves look for:
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Stealing mail or going through
garbage containing personal information called
Dumpster Diving. |
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Stealing payment or identification
cards, either by pick-pocketing or by getting
information through a compromised card reader
called Skimming. |
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Impersonating a known company
or financial institution in an e-mail to obtain
personal information called Phishing. |
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Retrieving information from
personal equipment, like disposed computers
where personal information was not properly
deleted. |
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Researching information about
the victim on the internet. |
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Eavesdropping on public transactions
to obtain personal data |
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Stealing personal information
in computer databases. |
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Advertising fake job offers
(either full-time or work from home) where
the victims will reply with their full name,
address, telephone numbers, and banking details.
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Browsing internet websites
for personal details that have been posted
by you (Ex. MySpace, Facebook) |
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Changing your address to divert
billing statements to another location to
either get current legitimate account info
or to delay discovery of fraudulent accounts.
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How
to Prevent Identity Theft |
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The following steps
can decrease the threat of identity theft: |
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Shred financial documents and
paperwork with personal information before
you discard them. |
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Protect your Social Security
number. Don’t carry your Social Security card
in your wallet or write your Social Security
number on a check. Give it out only if absolutely
necessary or ask to use another identifier.
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Don’t give out personal information
on the phone, through the mail, or over the
Internet unless you know the person who you
are dealing with. |
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Never click on links sent in
unsolicited emails; instead, type in a web
address you know. Use firewalls, anti-spyware,
and anti-virus software to protect your home
computer; keep them up-to-date. |
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Keep your personal information
in a secure place at home, especially if you
have roommates, employ outside help, or are
having work done in your house. |
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Order a copy of your credit
report at least annually to ensure all information
is accurate and includes only authorized transactions.
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Adequately guard all passwords
and PIN numbers for credit and debit cards.
Avoid using easily available information such
as date of birth, mother’s maiden name, SSN
or a phone number. |
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Secure all personal information
in your home. Remove your new mail from the
mailbox promptly and send outgoing mail from
the post office or other secure mailboxes.
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Shred your charge receipts,
copies of credit applications, medical information,
checks and bank statements. If available,
receive your account statements online instead
of on paper. |
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In order to closely monitor
fraudulent activity, you should review all
monthly account statements or frequently review
transactions online or by telephone |
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When
You Are a Victim of Identity Theft |
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If you believe that
your personal information has been used to commit
any fraudulent activity, the following are steps
to take in order to protect against further damage:
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Contact the three major credit
bureaus (Equifax, Experian, and TransUnion)
to inform them that you are an identity theft
victim. Request that a "fraud alert"
be placed on your file and receive a copy
of your credit bureau report. |
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Close any accounts where you
believe identity theft has occurred. |
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File a complaint online with
the Federal Trade Commission (FTC) or call
the FTC Identity Theft Hotline. |
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Complete the Identity
Theft Affidavit, which may be required
in reporting a new account opened in your
name by an identity thief or to obtain application
or transaction records from a company the
identity thief dealt with. |
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File a police report and/or
an Identity Theft Report with your local police
department where the identity theft took place.
Ask for a copy of the report; often credit
card companies and others will need proof
of the crime to erase the debts caused by
identity theft. |
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The key to proving
you are a victim of identity theft is to get the
right documents to the right people. The following
are tips to help you resolve credit problems resulting
from identity theft. |
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Credit reports: Call the Credit
Bureau and inform them of the information
on your credit report that you believe is
inaccurate. Follow up in writing and include
copies (not originals) of your documentation
such as a copy of the police report or your
credit card statement with circles around
the items in question. |
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Credit cards: Write your credit
card company or other provider to inform them
of fraudulent charges. Send your letter so
that it arrives at the creditor within 60
days from when the first bill containing the
charge was sent to you. |
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ATM cards, debit cards and
electronic fund transfers: If your ATM or
debit card is stolen or lost or you find a
fraudulent transaction on your statement,
visit the nearest Woori America Bank or call
customer service at 1-888-MyWoori (699-6674)
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Identity
Theft Resources and Information |
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Federal Trade Commission
http://www.ftc.gov/idtheft/
1-877-IDTHEFT (438-4338)
Credit Bureaus
Equifax
http://www.equifax.com/
To report fraud, call: 1-800-525-6285
To write: P.O. Box 740241, Atlanta, GA 30374-0241
Experian
http://www.experian.com/
To report fraud, call: 1-888-EXPERIAN (397-3742)
To write: P.O. Box 9532, Allen, TX 75013
TransUnion
http://www.transunion.com/
To report fraud, call: 1-800-680-7289
e-mail: fvad@transunion.com
To write: Fraud Victim Assistance Department,
P.O. Box 6790, Fullerton, CA 92834-6790
Additional Resources
Social Security Number Theft and Misuse
http://www.ssa.gov/
to report fraud, call: 1-800-269-0271
Mail Theft
http://postalinspectors.uspis.gov/
Phone Fraud
http://www.fcc.gov/
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Reporting
Identity Theft and Fraud |
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It is important note
that Woori America Bank does not contact its clients
or anyone else by e-mail to confirm credit card
or financial transactions, or to confirm or request
personal account information or any other type of
sensitive information. If you are concerned that
you have received fraudulent email, disclosed confidential
information or believe your personal information
has been compromised and/or stolen regarding your
Woori America Bank account(s), please contact us
immediately at 1-888-MyWoori (699-6674) 8:30AM ~
4:30PM (ET) or visit the nearest Woori
America Bank branch. |
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Privacy
Policy |
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Federal law requires
us to tell you how we collect, share, and protect
your personal information.
Federal law also limits how we can use your personal
information. Protecting the privacy and security
of customer information is very important to us.
Please read this notice carefully to understand
what we do with the personal information we collect
online.
We, our, and us means Woori America Bank. This is
Woori America Bank's Privacy Policy for our customers.
When we use the words "you" and "your"
we mean all of our consumer customers who have a
continuing relationship with us, by having a business
relationship with us, such as having:
- Deposit account
- Loan account
- Credit card
- Safe deposit box
- Self-directed individual retirement account where
we act as custodian or trustee
We will tell you the sources for nonpublic personal
information we collect on our customers. We will
tell you what measures we take to secure that information.
We first define some terms:
Nonpublic personal information means information
about you that we collect in connection with providing
a financial product or service to you. Nonpublic
personal information does not include information
that is available from public sources, such as telephone
directories or government records.
An affiliate is a company we own or control, a company
that is owned or controlled by the same company
that owns or controls us. Ownership dose not mean
complete ownership, but means owning enough to have
control. A nonaffiliated third party is a company
that is not an affiliate of ours.
THE
INFORMATION THAT WE COLLECT:
We collect nonpublic personal information about
you from the following sources:
- Information we receive from you on applications
or other forms
- Information about your transactions with us
- Information about your transaction with our affiliates
- Information about your transactions with nonaffiliated
third parties
- Information from a consumer reporting agency
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY
OF YOUR NONPUBLIC PERSONAL INFORMATION:
We restrict access to nonpublic personal information
about you only to those employees who need to know
that information to provide products or services
to you. We maintain physical, electronic, and procedural
safeguards that comply with federal standards to
guard your nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION AND AFFILIATES:
We may disclose nonpublic personal
information about you. The kinds of nonpublic
personal information we may disclose to our affiliates
are transaction and experience information from
our account records:
Information about your transaction and experiences
with us, such as
- Name
- Address
- Account balances
- Account activity
- Types of accounts
- Credit card usage
- Payments history
- Deposits history
- Parties to the transaction
Federal law allows us to disclose the information
listed above with our affiliates. Customers do
not have the right to opt of the discloser of
this information.
NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED
THIRD PARTIES:
We will not disclose nonpublic personal information
about you to anyone except as disclosed in this
policy or as permitted by law.
NONPUBLIC PERSONAL INFORMATION AND FORMER
CUSTOMERS:
We do not disclose nonpublic personal information
about our former customers to anyone, except as
permitted by law.
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Special
Notice for California Residents Only.
In accordance with California law, Woori America
Bank will not disclose information that we have
about you to nonaffiliated third parties except
as permitted by the applicable California law.
We will also limit the sharing of personal information
about you with our affiliates to comply with all
California privacy laws that apply to us. Those
will apply if your account has a California mailing
address.
We are required by the California Financial Information
Privacy Act (the “CFIPA”) to provide this notice
to you annually. We will also send you an additional
notice each year that tells you about your privacy
rights under the federal law. |
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Children’s
Online Privacy Protection |
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In accordance with
the Children's Online Privacy Protection Act (COPPA),
we will not knowingly collect, store, use or disclose
personal information directly from children on the
internet unless the information has been provided
by an adult in connection with opening an accounts
for or with the child. We won't send any unsolicited
promotions to users who indicate they are less than
13 years of age unless the solicitation is in connection
with an account opened by an adult.
For more information, please go to Full
regulatory text of Children's Online Privacy
Protection (16 CFR Part 312) in on the FTC web
site.
FTC Seeks Comment on Children’s Online Privacy
Protections
http://www.ftc.gov/opa/2010/03/coppa.shtm
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Questions about Woori
America Bank Privacy Policy
Calling us toll free at 1-888-My Woori(699-6674)
8:30am ~ 5:30pm (ET)
Talking to a customer service representative at
a branch |
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Internet
Banking Service Agreement |
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