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Rev. February 2016

   Privacy Notice




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.


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
  • Name, address and phone number
  • Account balances and payment history
  • Information from applications such as income, where you work, or value of your investments
  • Information from a consumer reporting agency such as credit history and scores

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


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 Windsor Federal Savings chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Windsor Federal Savings 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.
For our marketing purposes -
to offer our products and services to you
For joint marketing with other financial firms NO We don't share
For our affiliates' everyday business purposes -
information about your transactions and experiences
For our affiliates' everyday business purposes - 
information about your creditworthiness
NO We don't share
For our affiliates to market to you NO We don't share
For non-affiliates to market to you NO We don't share


Call our Customer Service Center at 860-688-8511 with any questions.

Who we are
Who is providing this notice? Windsor Federal Savings
What we do
How does Windsor Federal Savings protect my 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.

We restrict access to customer information to employees requiring that information to provide products and services to you. We educate our employees about the importance of confidentiality and customer privacy.

How does Windsor Federal Savings collect my personal information? We collect your personal information, for example, when you
  • open an account or apply for a loan
  • pay your bills or make deposits or withdrawals from your account
  • use your credit or debit card

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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
  • Our affiliates include financial companies such as Windsor Federal, MHC (Mutual Holding Company), Windsor Federal Bancorp, Inc., WFS Mortgage Company and Winfield Service Corporation.
Non-Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
  • Windsor Federal Savings does not share with non-affiliates so they can market to you.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products and services to you.
  • Windsor Federal Savings doesn't jointly market.


Click here to print the WFS Privacy Policy

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Windsor Federal Savings is committed to maintaining security and confidentiality in regards to your personal and financial affairs. We have created this policy statement in order to communicate to you the policies and practices that we have instituted to protect your privacy and provide appropriate security for the information that you have entrusted to us.

Web Site Privacy and Security

When you visit our web site to view any pages or read product information, you do so without telling us who you are and without revealing any personal identifying information. While we do not collect identifying information about visitors to our site, we do collect information for the purpose of tracking activity on our site. This allows us to better understand how many people use our site, which areas of our site are most popular and provides insight as to changes that will improve the functionality of the site. Our servers collect standard non-identifying information about visitors to the site, such as date and time you visited the site, your Internet service provider, the web site that referred you to us, if any and the page or pages that you requested. The Windsor Federal Savings web site contains links to community and other web sites that are not affiliated with the bank and are not third party vendors of the bank. While we provide the links to such external sites, we cannot assume responsibility for the privacy practices or content of such sites.

There are times when you may provide us with personal identifying information. For example, if you complete one of our feedback or request forms or send us an e-mail, you are transmitting the information that is requested in the form or that you choose to include in the e-mail message. However, you never transmit personal information that you do not enter yourself and therefore, this information cannot be collected unless you specifically elect to send it to us. Please do not send sensitive information through our information request forms or by e-mail as our request forms ARE NOT SECURE and e-mail transmissions through general or public e-mail are not secure.

Whenever we collect personal identifying information, it is used only for the purpose of fulfilling your request, responding to your comments or questions or to contact you directly. We do not give or sell your information to anyone and we protect the security and confidentiality of the information that we collect.

If you visit our website to use interactive banking tools such as financial calculators and self-tests you may be asked for personal information in order to complete the requested analysis or evaluation. This information is NOT retained.

If you identify yourself by sending an e-mail or filling forms such as applications, check reorder forms and contact forms you may be asked for personally-identifying information in order to process your e-mail, form or application. This information may be retained by us and our business partners for processing and to facilitate decisions. Information you submit to us is treated no differently than any information you might provide in a written format such as a brochure application, reorder slip to order checks, or a letter.

Online Banking Privacy and Security:

Information transmitted to and from Online Banking, our Internet banking and bill payment service is secure and is used only for the normal processing of your account(s). Online Banking uses state-of-the-art encryption technology to ensure the security of your account information. Encryption is the method of encoding data so that only those who know the code can translate the data into understandable information. Online Banking uses 128-bit encryption (the highest level that the internet browsers handle) to safeguard your account information. When you are sending information from your computer to Online Banking, your browser translates the information into a mathematical code and it is the mathematical code that is actually transmitted to our system. Once the system receives this code, it retranslates it into information that can be used by the bank.

You must enter your User ID and Password at the start of every session in order to use the Online Banking service. The password is assigned solely to you and you are responsible for keeping it confidential in order to prevent unauthorized access to your accounts and to prevent unauthorized use of the service. We recommend that you retain your User ID and Password in a secure location, separate from your computer and that you change your password frequently. In addition, do not leave your computer unattended while you are still logged on to Online Banking.

Online Banking e-mail is secure and therefore, you may send sensitive account or personal information through the Online Banking site only. Please note however, that Online Banking e-mail should only be used to address questions or inquires associated with the use of the Windsor Federal Savings Internet Banking and Bill Payment Service.

We protect and safeguard the privacy of users of our on-line services, just as we do throughout the rest of our business. We will use personal information to identify you, to communicate with you, and to help us answer your questions.





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