Privacy Policy

Effective Date: 1/01/2025
Last Updated: 01/01/2025

Woodward Capital, LLC ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our financial services.

This policy complies with federal laws, including the Gramm-Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), and Consumer Financial Protection Bureau (CFPB) regulations, as well as Virginia state laws, including the Virginia Consumer Data Protection Act (VCDPA).

By using our website and services, you agree to this Privacy Policy.

1. Information We Collect

We collect personal information in the following ways:

A. Information You Provide to Us

We collect personal information you provide, including but not limited to:

• Personal Identifiers (e.g., name, date of birth, Social Security number, driver’s license number, passport number).

• Contact Information (e.g., mailing address, email address, phone number).

• Financial Information (e.g., income, employment details, account balances, payment history, and other details necessary for financial services).

• Login Credentials (e.g., username, password, security questions for online account access).

B. Information We Obtain from Third Parties

To assess creditworthiness and verify information, we collect data from third-party sources, including:

• Credit Reporting Agencies (CRAs) (e.g., credit score, credit history).

• Financial Institutions (e.g., banking activity, existing loans).

• Government Agencies & Public Records (e.g., liens, bankruptcy filings, court records).

• Other Authorized Third Parties (e.g., employers, previous lenders).

C. Automatically Collected Information

When you visit our website, we automatically collect:

• Device Information (e.g., IP address, browser type, operating system).

• Usage Data (e.g., pages visited, time spent on the website, navigation behavior).

• Cookies and Tracking Technologies (see Section 5).

2. How We Use Your Information

We use the collected information to:
✅ Determine creditworthiness and assess eligibility for financial products.
✅ Process applications for loans and financial services.
✅ Provide customer service and support.
✅ Comply with legal and regulatory obligations (e.g., fraud detection, anti-money laundering laws).
✅ Improve website functionality and user experience.
✅ Communicate with you about account updates, offers, and financial services.

3. Cookies & Online Tracking

We use cookies and tracking technologies to enhance your experience. Cookies allow us to:

• Remember user preferences.

• Analyze website traffic.

• Improve security measures.

You can manage or disable cookies via browser settings; however, this may limit website functionality.

4. Our Internet Services & Security Measures

We implement reasonable security measures to protect your personal information from unauthorized access, alteration, or disclosure. However, no online transmission is 100% secure, and we encourage users to:

• Use strong, unique passwords.

• Enable multi-factor authentication (if available).

• Avoid sharing sensitive data via email.

5. Emails Containing Personal Information

We may send transactional emails related to your account. However:

• We never request sensitive information (e.g., Social Security number, banking details) via email.

• If you receive a suspicious email claiming to be from us, report it to info@woodwardcapitalllc.com.

6. Sharing Your Information

We do not sell your personal information. However, we may share information in the following cases:

Your Opt-Out Rights (Virginia Consumers)

If you are a Virginia resident, you have the right to:

• Opt-out of targeted advertising or data sharing for marketing.

• Request access, correction, or deletion of your personal information.

To exercise these rights, contact us at info@woodwardcapitalllc.com.