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Last updated January 1, 2014
This U.S. Online Privacy Notice (Notice) applies to this Bank of America online interface (i.e., website or mobile application) and any Bank of America U.S. affiliate or subsidiary online interface that links to this Notice, (each, a Site, and, collectively, Sites). The term "Bank of America" or "we" or "us" or "our" in this Notice refers to banking and non-banking U.S. affiliates or subsidiaries of Bank of America Corporation that link to this Notice. This Notice describes how Sites may collect, use and share information from or about you and explains how information may be collected and used based on online interactions with our advertisements that appear on the Sites and third party websites.
Bank of America provides other online interfaces not covered by this Notice. If you visit or access your accounts from one of these sites, please review the online privacy practices of that site to understand how your online information may be collected, used and shared.
For U.S. account holders and visitors to this Site, we will use and share any information that we collect from or about you in accordance with the Bank of America U.S. Consumer Privacy Notice, which provides choices in the use and sharing of information. For Non-U.S. account holders utilizing this Site, we will use and share your account information in accordance with the privacy disclosure that covers your account and with the privacy and security rules applicable to the Bank of America affiliate or subsidiary that provides that account to you.
For additional Privacy Notices and practices information, please review the Frequently Asked Questions (FAQs) located on the site. Please note the terms and conditions of this Notice control. By using the Site, you agree to the terms and conditions of this Notice.
Personal Information means personally identifiable information such as information you provide via forms, surveys, applications or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, or account numbers.
We may use Personal Information:
Please see the Bank of America U.S. Consumer Privacy Notice for information on how Personal Information may be shared.
Other Information is any information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, other information provided by you such as your date of birth or household income, and aggregated and de-identified data.
We and our third-party service providers may collect and use Other Information in a variety of ways, including:
You can refuse to accept these cookies and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products and services. For example, we will not be able to recognize your device and you will need to answer a challenge question each time you log on. You also may not receive customized advertising or other offers from us that may be relevant to your interests and needs.
Bank of America advertises on pages within the Sites (including mobile downloadable apps) as well as on other websites and mobile apps not affiliated with Bank of America. Information collected by us or our advertising service providers through cookies and other technologies includes the number of people who look at each of the pages on the Sites, search engine referrals, browsing patterns within the Sites, and responses to advertisements and promotions on the Sites and on websites and apps where we advertise.
Bank of America advertises our products and services, including prescreened offers of credit, on pages within the Sites. These advertisements may take the form of banner ads, splash ads (ads that appear as you sign on or sign off of your online accounts), and other formats.
Bank of America may customize content and advertisements for our products and services
on the Sites we own. In order to make the content and advertising as informative and useful as
possible, we may use information about your relationship with us (such as types of accounts,
transactional information or the state in which you bank).
We also use advertising service providers to help us determine which of our advertisements
are most likely to be of interest to you using certain Other Information such as web pages
visited, search keywords entered, or your activities on our Site. We limit access and collection of
information for specific purposes by advertising service providers.
If you prefer we not use relationship based and/or certain Other Information to provide customized content and advertising you may opt out of relationship based or online behavioral advertising on our Sites.
Please note that if you opt out of either relationship based or online behavioral advertising on our Sites, you may still receive generic online advertising from Bank of America. When you access account servicing areas (i.e. after sign-in), such as Online Banking or MyMerrill, you may see customized content and advertising based on your account relationships. Opting out means that the content and advertising you receive on our non-servicing sites (i.e. before sign-in) will be generic and will not be based on your relationship, preferences or behavior. See Important Reminder section below.
Bank of America contracts with advertising companies to advertise our products and services on websites and mobile apps not affiliated with us. We may use Aggregated and De-identified Data and information provided by you to these third party websites to select which of our advertisements or offers may appeal to you, display them to you and monitor your responses. Third Party websites are not subject to Bank of America Privacy Notices. Please visit the individual websites for additional information on their data and privacy practices and opt-out policies.
Some of our customized ads are behavioral advertising, and may be served using data collected
through cookies and other technologies by third party websites. Cookies placed on our behalf
by these companies, do not contain or capture Personal Information. We limit companies that
place our ads from using information for any purpose other than to assist us in our advertising
Bank of America has adopted the use of the Advertising Options Icon on our behavioral
ads (excluding ads appearing on platforms that do not accept the icon). Anyone receiving
a behavioral ad may click on the displayed icon to receive more information and can
mechanism, if any.
You may also opt-out of receiving behavioral ads from many websites through the
Network Advertising Initiative's Opt-Out Tool or other tools provided by the publishing
Please note that if you opt-out, you may still receive generic online advertising from Bank of America. Opting out from a specific third party website means that the ads you receive will not be based on your preferences or behavior.
In order for relationship based or behavioral advertising opt-outs from our Sites and other sites to work on your device, your browser must be set to accept cookies. If you delete cookies, buy a new device, access our Site or other sites from a different device, login under a different screen name, or change web browsers, you will need to opt-out again. If your browser has scripting disabled, you do not need to opt- out, as relationship based or online behavioral advertising technology does not work when scripting is disabled. Please check your browser's security settings to validate whether scripting is active or disabled.
Bank of America's Mobile Applications for U.S. accounts ("Applications") allows you to access your account balances and holdings, make deposits, transfers and pay bills on your mobile device. This Notice applies to any Personal Information or Other Information that we may collect through the Applications.
We may provide links to third party websites, such as credit bureaus, service providers or merchants. If you follow links to websites not affiliated or controlled by Bank of America, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites. Bank of America does not guarantee and is not responsible for the privacy or security of these websites, including the accuracy, completeness, or reliability of their information.
To protect Personal Information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third party service providers to ensure information remains confidential and secure. Please visit bankofamerica.com/security for additional information.
Other companies offer aggregation websites and services that allow you to consolidate your financial account information from different sources (such as your accounts with us or with other financial institutions) so that you can view all your account information at one online location. To do this, an aggregation provider may request access to Personal Information, such as financial information, usernames and passwords. You should use caution and ensure that the aggregator company has appropriate policies and practices to protect the privacy and security of any information you provide or to which they are gaining access. We are not responsible for the use or disclosure of any Personal Information accessed by any company or person to whom you provide your Site username and password.
If you provide your Site username, password or other information about your accounts with us to an aggregation website, we will consider that you have authorized all transactions or actions initiated by an aggregation website using access information you provide, whether or not you were aware of a specific transaction or action. If you decide to revoke the authority you have given to an aggregation website, we strongly recommend that you change your password for the Site to ensure that the aggregation website cannot continue to access your account.
Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate or not current, please use the Contact Us option on our Site, or call or write to us at the telephone numbers or appropriate address for changes listed on your account statements, records, online or other account materials. You can also speak to a customer representative at a banking center, your Financial Advisor or account representative.
The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13 without parental consent. Visit the Federal Trade Commission website for more information about the Children's Online Privacy Protection Act (COPPA).
To the extent that we receive, maintain, or process an individual's protected health information, Bank of America may disclose that information electronically as authorized by and in accordance with applicable federal and/or state law.
This U.S. Online Privacy Notice is subject to change. Please review it periodically. If we make changes to the U.S. Online Privacy Notice, we will revise the “Last Updated” date at the top of this Notice. Any changes to this Notice will become effective when we post the revised Notice on the Site. Your use of the Site following these changes means that you accept the revised Notice.
WHAT DOES BANK OF AMERICA DO WITH YOUR PERSONAL INFORMATION?
Financial companies choose how they share your personal information. Under federal law, that means personally identifiable 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:
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 Bank of America chooses to share; and whether you can limit this sharing.
|Reasons we can share your personal information||Does Bank of America 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 — with service providers we use to offer our products and services to you (please see below to limit the ways we contact you)||Yes||No|
|For joint marketing with other financial companies||Yes||No|
|For our affiliates’ everyday business purposes — Information about your transactions and experiences||Yes||No|
|For our affiliates’ everyday business purposes — Information about your creditworthiness||Yes||Yes|
|For nonaffiliates to market to you — for all credit card accounts||Yes||Yes|
|For nonaffiliates to market to you — for accounts and services endorsed by another organization (e.g., debit card co-branded with a baseball team) “Sponsored Accounts”||Yes||Yes|
|For nonaffiliates to market to you — for accounts other than credit card accounts and Sponsored Accounts, such as insurance, investments, deposit and lending||No||We don't share|
If you are a new customer, we can begin sharing your information 45 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Direct marketing is email, postal mail and telephone marketing. Your telephone and postal mail opt-out choices will last for five years, subject to applicable law. Even if you limit direct marketing, we may still contact you to service your account or as otherwise allowed by law.
Call 1.888.341.5000 or go to bankofamerica.com/privacy
Bank of America U.S. legal entities that utilize the names: Bank of America, Banc of America, U.S. Trust, LandSafe or Merrill Lynch, as well as the entities listed in the Bank of America U.S. legal entities section.
We collect your personal information, for example, when you:
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Federal law gives you the right to limit some but not all sharing related to:
State laws and individual Bank of America companies may give you more rights to limit sharing. See Other important information section for your rights under state law.
Your choices will apply to you alone unless you tell us otherwise. However, your choice to limit sharing with nonaffiliates to market to you for credit card accounts or Sponsored Accounts will apply to all joint account holders.
If you have more than one credit card account or Sponsored Account and you choose to opt out, you will need to do so for each account.
Companies related by common ownership or control. They can be Financial and nonfinancial companies.
Companies not related by common ownership or control. They can be Financial and nonfinancial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Do Not Call Policy. This notice is the Bank of America Do Not Call Policy under the Telephone Consumer Protection Act. We do not solicit via telephone numbers listed on the state or federal Do Not Call lists, unless the law allows. Bank of America employees receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from Bank of America will be placed on the Bank of America Do Not Call list and will not be called in any future campaigns, including those of Bank of America affiliates. If you communicate with us by telephone, we may monitor or record the call.
For Nevada residents only. We are providing you this notice under state law. You may be placed on our internal Do Not Call List by following the directions in the To limit direct marketing contact section. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number-702.486.3132; email: BCPINFO@ ag.state.nv.us. Bank of America, P.O. Box 25118, FL1-300-01-29, Tampa, FL 33633-5118; Phone number: 1.888.341.5000; email: Click on “Contact Us” at bankofamerica.com/privacy.
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 Bank of America, 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.
For Insurance Customers in AZ, CA, CT, GA, IL, ME, MA, MN, MT, NV, NJ, NC, OH, OR and VA only. The term “Information” in this part means customer information obtained in an insurance transaction. We may give your Information to state insurance officials, law enforcement, group policy holders about claims experience or auditors as the law allows or requires. We may give your Information to insurance support companies that may keep it or give it to others. We may share medical Information so we can learn if you qualify for coverage, process claims or prevent fraud or if you say we can. To see your Information, write Insurance Services, TX2-977-01-39, 5401 North Beach Street, Fort Worth, TX 76137, Attn: Data Request. You must state your full name, address, the insurance company, policy number (if relevant) and the Information you want. We will tell you what Information we have. You may see and copy the Information (unless privileged) at our office or ask that we mail you a copy for a fee. If you think any Information is wrong, you must write us. We will let you know what actions we take. If you do not agree with our actions, you may send us a statement.
For MA Insurance Customers only. You may ask in writing, for the specific reasons for an adverse underwriting decision. An adverse underwriting decision is where we decline your application for insurance, offer to insure you at a higher than standard rate or terminate your coverage.
Bank of America U.S. legal entities that utilize the names: Bank of America, Banc of America, U.S. Trust, LandSafe or Merrill Lynch, as well as the following entities: BACAP Alternative Advisors, Inc., BofA Advisors, LLC, BofA Distributors, Inc., General Fidelity Life Insurance Company, Managed Account Advisors LLC, NationsCredit Financial Services Corporation, The Princeton Retirement Group, Inc., SA Mortgage Services, LLC
Bank of America was named Best in Class in online security for the seventh consecutive year on the latest Javelin Banking Identity Safety Scorecard. The award is based on consistent performance in each layer of online security and outstanding performance in fraud prevention.
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