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Bank of America Security Center

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Your security is our top priority

Know fraud when you see it

Knowledge is a powerful defense against fraud.
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Knowledge is a powerful defense against fraud.

See how to spot fraud
Warning signs of identity theft
Red flags of common scams

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Take simple steps to help protect your devices, identity and business.

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Free products to increase your security

Opt-out of online behavioral advertising

You have successfully opted out of online behavioral advertising

When you opt-out, we will not use information based on online Site behavior to provide online and offline tailored content and advertising to you, but you may still receive untailored advertising from Bank of America. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements.

Opting out also means the online content and advertising you receive on our non-servicing sites (before you log in) will be untailored and will not be based on your online behavior or your relationship with us.

When accessing online account servicing areas (after you log in), such as Online Banking or MyMerrill, you may receive tailored content and advertising based on your account relationships.

Important reminder: For this online behavioral advertising opt-out to work on your device, your browser must be set to accept cookies. If your browser blocks third party cookies (for example, Firefox or Safari), this opt-out may not work as expected.

If you delete cookies, buy a new device, access our Site from a different device, log in 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 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.

The opt-out will take effect upon your next visit using the same device to Bank of America Sites. Click on Submit to opt-out of online Site behavior used to provide online and offline tailored content and advertising.

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You have successfully opted out of online behavioral advertising. The opt-out will take effect upon your next visit using the same device to Bank of America Sites.

Bank of America U.S. Online Privacy Notice

Last updated January 31, 2023

Your privacy is important to us. We conduct regular assessment reviews and abide by rigorous privacy standards to ensure personal information we collect, use and share is protected. This U.S. Online Privacy Notice ("Notice") describes how Bank of America and our affiliates manage personal information about you when you interact with us online through our websites, event registration sites, mobile applications and social sites ("Sites and Mobile Apps") through your computer, smartphone, tablet or other mobile devices ("computer or mobile devices").

This Notice explains

  • How we collect personal information when you visit, use or interact with us online, and through our ads displayed through online services operated by us or non-affiliated third parties.
  • How we may use or share personal information collected to deliver products and services to you and for advertising or event management purposes.

The term "Bank of America" or "we", "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 or reference this Notice.

By using our Sites and Mobile Apps, you agree to the terms and conditions of this Notice. Our U.S. online services covered by this Notice are intended for a U.S. audience. If you visit or use one of our online services, your information may be transferred or processed in the U.S. For Non-U.S. online services, please review the privacy policy applicable to that service to understand how your information is collected, used and shared.

Bank of America works with third-party providers who are contractually obligated to comply with our policies to protect information. However, if you visit or access one of these third-party provider sites or mobile apps, please review the online privacy practices of that site or mobile app to understand the specifics of how your online personal information may be collected, used and shared.

Updates to this Notice

This Notice is subject to change. We update this Notice periodically to comply with the most recent federal and local laws. Please review it whenever you have questions. If we make changes to this Notice, we will revise the Last updated date on this page.

Our Online Privacy Practices

We are committed to transparency about your personal information. We ask for your consent when required, otherwise by using our Site and Mobile Apps, you consent to the collection, use and sharing of your personal information subject to and consistent with applicable laws, regulations and other notices you may have received based on your relationship with us.

Linking to other sites

We may provide links to non-affiliated third-party sites, such as credit bureaus, service providers or merchants. If you follow links to sites not affiliated with, 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 and Mobile Apps. Bank of America does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness or reliability of their information.

Protecting your personal 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 providers to ensure personal information remains confidential and secure. In the event of a data breach, we provide timely notification, in accordance with applicable laws and regulations.

We also recognize the importance of protecting privacy where children are involved. Our Sites and Mobile Apps are not marketed to individuals under the age of 13, and we request that these individuals do not provide personal information through our Sites and Mobile Apps. We do not knowingly collect personal information from children under 13.

Making sure personal information is accurate

Keeping your personal information accurate and up to date is very important. If your personal information is incomplete, inaccurate or not current, please use the Contact Us option on our Sites and Mobile Apps, 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 financial center, your Financial Advisor or account representative.

Personal Information We Collect Online

How do we collect personal information online?

We collect personal information about you through your computer or mobile devices by the use of cookies and similar tracking technologies (see our Cookie Policy for details) as well as personal information you provide when you visit or use our Sites and Mobile Apps, for example when you:

  • Apply for or open a new account
  • Register for a new product or service, or request information about a product or service
  • Register as a participant in one of our events
  • Complete a survey, contest or sweepstakes or other promotion
  • Use aggregation services such as My Portfolio® and My Financial Picture® in order to consolidate your financial account or information at one online location

We may use third-party providers to process personal information for business purposes on our behalf. Third-party providers are contractually obligated to comply with our policies to protect information we share with them or they collect on our behalf.

The personal information we collect is limited to what is required to provide our products or services and to support legal and risk requirements. For additional information, please review the How do we use your personal information section of this Notice.

Types of personal information we collect online

The type of personal information we collect from and about you online will depend on how you interact with us and may include:

  • Contact Information such as name, mailing address, email address, telephone and mobile number(s)
  • Account Application information such as credit and income information
  • Identifiers such as Social Security number, account number(s), driver's license number (or comparable) or other information that identifies you for ordinary business purposes
  • Access Authorization such as user ID, alias, PIN and password and security questions and answers
  • Documents or images submitted via our Site or Mobile Apps to support account opening, such as statements and voided checks
  • Information from your computer and mobile devices where allowed by individual browsers and/or operating systems, such as:
    • Unique device identifiers (for example Media Access Control (MAC) and Internet Protocol (IP) addresses)
    • Browser type, version, language, and display/screen settings
    • Information about how you use and interact with our Sites and Mobile Apps (for example activities on pages visited, links clicked or unique and measurable patterns such as keystrokes, mouse clicks and movements, swipes and gestures)
    • Communications data, such as your communication preferences and details or the content of your communications with us (e.g., chat messages)
    • Responses to advertisements on sites and mobile apps where we advertise
    • Log information such as your search and voice to text queries in the mobile app
    • Search engine referrals
    • Geolocation information with consent (for example ATM or financial center location, fraud prevention)
    • Social media preference
    • Information to facilitate virtual or in-person event management (for example attendee names, dietary requirements, special assistance needs, and travel details for participants)

How We Use and Share Personal Information

How do we use your personal information?

Personal information collected from and about you online described in this Notice may be used for many purposes such as:

  • Delivering products and services to you by verifying your identity (for example when you access your account information); processing applications for products or services such as to prequalify for a mortgage, apply for a credit card, or to open a retirement account, investment account or other financial product; processing transactions; providing customer service/production support; finding nearby ATMs, financial centers, and other specialized location based services near your location; and consolidating your financial account information at one online location with services such as My Portfolio® and My Financial Picture®.
  • Personalizing your digital and mobile experience by enhancing our Sites and Mobile Apps organization and design and analyze data to create relevant alerts, products or services.
  • Providing advertising on our Sites and Mobile Apps as well as non-affiliated third-party sites and through off-line channels like financial centers, call centers and direct marketing (for example email, mail and phone).
  • Detecting and preventing fraud, identify theft and other risks to you or Bank of America.
  • Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view.
  • Complying with and enforcing applicable legal requirements, industry standards, contractual obligations and our policies.
  • Allowing you to use features within our Sites and Mobile Apps when you grant us access to personal information from your device, such as contact lists, or geo-location when you request certain services that requires such access, for example locating an ATM.
  • Providing notifications concerning events for which you've registered, providing analysis to improve our events and develop new events, determining event overall effectiveness, enhancing products and services, operating and expanding our business activities.

We retain personal information for a period of time as required by laws and regulations and the necessary business purpose. We securely delete personal information as soon as legally permitted.

California residents covered by the California Consumer Privacy Act may have additional rights. To learn more, California residents can reference the California Consumer Privacy Act Notice for additional information.

Individual health and/or sensitive information

To the extent that we receive, maintain or process an individual's health information, Bank of America may use and disclose that information as authorized by and in accordance with applicable federal and/or state law.

At the time of event registration participants may provide information that requires special accommodations. This information will be used only to the extent necessary to facilitate any special accommodations for event participation.

With whom do we share your personal information?

We may share the personal information we collect from and about you online described in this Notice (and subject to other legal restrictions and notices you may have received depending on your relationship with us) with:

  • Affiliates and Subsidiaries of Bank of America, such as Merrill.
  • Third-Party Providers who have contracts with Bank of America including event vendors, organizers, volunteers, contractors, and sponsors.
  • Government Agencies as required by laws and regulations.

Aggregated / De-identified Information

Collected personal information may be aggregated and/or de-identified (we remove any details that identify you personally). We may share this aggregated and/or de-identified information with third-party providers to help deliver products, services, and content that are better tailored to the users of our online services and for our own business purposes where permissible under applicable laws and regulations.

How to limit sharing

You have choices regarding the sharing of some personal information. Where appropriate, we will limit sharing of your personal information based on your privacy choices. You can register your choices online at Set your Privacy Choices.

Online Behavioral Advertising

Personal information collected from and about you online, as described in this Notice, is used and shared to deliver advertising and marketing, including prescreened offers of credit, which may be of interest to you.

We present tailored ads to you:

  • On our Sites and Mobile Apps through ads that appear as you sign on or off of your online accounts.
  • In off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone).
  • On third-party sites and mobile apps not affiliated with Bank of America.

How we tailor ads to you

  • Advertising on our sites, mobile apps and off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone): We may use personal information about your activities on our Sites and Mobile Apps, such as pages visited and key words entered, to help determine which of our ads or offers may be of interest to you. We may use personal information about your relationship with us (such as types of accounts, transactional information or the location in which you bank) to help determine which advertisements or offers to present to you.
  • Advertising on non-affiliated third-party sites and mobile apps: Bank of America contracts with advertising companies to advertise our products and services on sites and mobile apps not affiliated with us. We may use personal information we have collected or that you have provided to assist our non-affiliated third-party sites and mobile apps to select bank ads or offers that may appeal to you, display them to you and monitor your responses. Non-affiliated third-party sites and mobile apps are not subject to Bank of America Privacy Notices.

How you can opt out of Online Behavioral Advertising

You have choices about how Bank of America advertises to you based on your online behavior.

  • Advertising on our Sites and Mobile Apps and off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone): If you prefer we not provide you with tailored content and advertising based on your online behavior with our Sites and Mobile Apps, you may opt out of online behavioral advertising layer. Please review the important Reminder section that follows.
  • Advertising on Non-Affiliated Third-Party sites: Bank of America participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third-party sites (excluding ads appearing on platforms that do not accept the icon). Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third-party sites, visit YourAdChoices layer powered by the Digital Advertising Alliance or through the Network Advertising Initiative's Opt-Out Tool layer. You may also visit the individual sites for additional information on their data and privacy practices and opt out-options.

Industry standards continue to evolve around web browser "do not track" signals or configurations set in your internet browser. In addition to the advertising opt-out options above, Bank of America captures opt out preference signals, and to the extent users have rights under applicable law, treats them as valid requests to opt out of sale/sharing at the browser level.

Reminder

Please note that if you opt out of this advertising:

  • You may still receive general advertising from Bank of America.
  • When accessing online account servicing areas (i.e. after login), such as Online Banking, Merrill Edge or MyMerrill, you may receive tailored content and advertising based on your account relationships.
  • Financial Advisors/Client Managers may continue to use personal information collected online as described in this Notice to provide details on products and services in accordance with account agreements.
  • In order for online behavioral advertising opt outs from our Sites and Mobile Apps and on 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 Sites and Mobile Apps or other sites from a different device, login under a different screen name, or change web browsers, you will need to opt out again.

Additional Information

Third-Party Data Sharing

Some companies may offer aggregation websites and services that allow you to share your data with them in order to consolidate your account information from different sources (such as your accounts with us or with other financial institutions) so that you can view it in one location or perform actions related to your accounts using their services. To do this, a third-party may request you to authorize access to your Bank of America accounts by providing your Bank of America user ID and password or by providing your information-sharing consent directly to Bank of America.

  • The third-party may access, on your behalf, information about yourself, your Bank of America relationship, and your accounts at Bank of America.
  • You should use caution and ensure that the third-party has appropriate policies and practices to protect the privacy and security of any personal information you provide or to which they are gaining access.
  • Use of your information by the third-party is governed by your agreement with them, not by Bank of America. We recommend reviewing the third parties' policies before sharing your personal information to understand how they will use and store your account information. For example, look for whether they sell any of your personal information, and if your information will be transferred, processed, or stored outside of the United States.
  • 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 user ID and password.
  • If you share your Bank of America user ID, password or other information about your accounts with others, we will consider that you have authorized any transaction or action initiated by using the access information you provide.
  • If you decide to revoke the authority you have given to a third-party, we strongly recommend that you change your Bank of America password to ensure that the third-party cannot continue to access your account.
  • You may revoke your consent for certain third parties through the Security Center within Bank of America Online Banking.

Social Media

Bank of America engages with customers on social media platforms such as Facebook®, Twitter®, YouTube® and LinkedIn®.

  • Any content you post on official Bank of America managed social media pages, such as pictures, information, opinions or any personal information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms.
  • When interacting with official Bank of America social media pages, Bank of America's privacy notices, Social Media User Terms and Community Guidelines may apply.
  • Please review the privacy policy for the specific social media service you are using to better understand your rights and obligations with regard to such content.

We may allow social share buttons on our sites that enable users to easily share information on social media platforms. The non-affiliated third parties that own these widgets may have access to information about your browsing on pages of our Sites and Mobile Apps where these widgets are placed.

U.S. Consumer Privacy Notice

FACTS

WHAT DOES BANK OF AMERICA DO WITH YOUR PERSONAL INFORMATION?

Why?

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.

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 employment information
  • account balances, transaction history and credit information
  • assets and investment experience

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 Bank of America chooses to share; and whether you can limit this sharing.

Reasons we can share your personal informationDoes 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 bureausYesNo
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)YesNo
For joint marketing with other financial companiesYesNo
For our affiliates’ everyday business purposes — information about your transactions and experiencesYesNo
For our affiliates’ everyday business purposes — information about your creditworthinessYesYes
For nonaffiliates to market to you — for all credit card accountsYesYes
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”YesYes
For nonaffiliates to market to you — for accounts other than credit card accounts and Sponsored Accounts, such as insurance, investments, deposit and lendingNoWe don't share

To limit our sharing

Please note: 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.

To limit direct marketing contact

Please Note: 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.

Questions?

Who we are

Who is providing this notice?

Bank of America U.S. legal entities that utilize the names: Bank of America, Banc of America, Bank of America Private Bank or Merrill, as well as the entities listed in the Bank of America U.S. legal entities section.

What we do

How does Bank of America 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. For more information, visit bankofamerica.com/security or ml.com/security.

How does Bank of America collect my personal information?

We collect your personal information, for example, when you:

  • open an account or perform transactions
  • apply for a loan or use your credit or debit card
  • seek advice about your investments

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 some but not all sharing related to:

  • affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • nonaffiliates to market to you

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.

What happens when I limit sharing for an account I hold jointly with someone else?

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.

Definitions

Affiliates

Companies related by common ownership or control. They can be Financial and nonfinancial companies.

  • Our affiliates include companies that utilize the names Bank of America, Banc of America, U.S. Trust or Merrill.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include financial services companies such as insurance agencies or mortgage brokers, nonfinancial companies such as retailers, travel companies and membership groups; and other companies such as nonprofit groups.
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include financial services companies.

Other Important Information

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 future campaigns, including those of Bank of America affiliates.
Call Monitoring and Recording. 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: aginfo@ag.nv.gov; Bank of America, P.O. Box 25118, Tampa, FL 33622-5118; Phone number: 888.341.5000; 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 Operations, FL9-805-03-12, 4800 Deer Lake Drive East, Jacksonville, FL 32246. 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.

Bank of America U.S. legal entities

Bank of America U.S. legal entities that utilize the names: Bank of America, Banc of America, U.S. Trust or Merrill and the entity Managed Account Advisors L.L.C.

Rev 01/2022

California Consumer Privacy Act Notice

Last updated December 15, 2022

Legal Entities

Bank of America legal entities that utilize the names Bank of America, Banc of America, U.S. Trust, Merrill, and BofA Securities, Inc. as well as the following entities: Managed Account Advisors LLC and BAL Investment & Advisory, Inc

Applicability

Your privacy is important to us. This California Consumer Privacy Act Notice (download a printable copy of the Act; PDF, requires Adobe Reader layer) explains how the legal entities listed above (“Company,” “we,” or “us”) collect, use, and disclose personal information relating to California residents covered by the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (collectively, the “CCPA”). This “Notice” constitutes our notice at collection and our privacy policy pursuant to the CCPA.

Introduction

Under the CCPA, “Personal Information” is information that identifies, relates to, or could reasonably be linked directly or indirectly with a particular California resident and includes certain categories of Personal Information discussed below that constitute “Sensitive Personal Information.” The CCPA, however, does not apply to certain information, such as information subject to the Gramm-Leach-Bliley Act (“GLBA”).

The specific Personal Information that we collect, use, and disclose relating to a California resident covered by the CCPA will vary based on our relationship or interaction with that individual. For example, this Notice does not apply with respect to information that we collect about California residents who apply for or obtain our financial products and services for personal, family, or household purposes. For more information about how we collect, disclose, and secure information relating to these customers, please refer to our US Consumer Privacy Notice.

Keeping Personal Information secure is one of our most important priorities. Consistent with our obligations under applicable laws and regulations, we maintain physical, technical, electronic, procedural and organizational safeguards and security measures that are designed to protect personal data against accidental, unlawful, or unauthorized destruction, loss, alteration, disclosure, or access, whether it is processed by us or elsewhere.

Collection, Use and Disclosure of Personal Information

In the past 12 months, we have collected and disclosed for our business purposes each of the following categories of Personal Information relating to California residents covered by this Notice:

  • Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers;

  • Any information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information;

  • Characteristics of protected classifications under California or federal law, such as sex and marital status;

  • Commercial information, such as records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies;

  • Biometric information;

  • Internet or other electronic network activity information, such as browsing history, search history, and information regarding a California resident's interaction with an internet website application, or advertisement;

  • Geolocation data, such as device location and Internet Protocol (IP) location;

  • Audio, electronic, visual, thermal, or similar information such as call and video recordings;

  • Professional or employment-related information, such as work history and prior employer;

  • Education information, directly related to a student; and maintained by an educational agency or institution or by a party acting for the agency or institution;

  • Inferences drawn from any of the Personal Information listed above to create a profile about a California resident reflecting their preferences, characteristics, psychological trends, predispositions, behavior, and attitudes, intelligence, abilities, and aptitudes; and

  • The following categories of Sensitive Personal Information:

  • Personal Information that reveals:

  • A California resident's Social Security, driver's license, state identification card, or passport number;

  • A California resident's account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account;

  • A California resident's precise geolocation;

  • A California resident's racial or ethnic origin, religious or philosophical beliefs, or union membership;

  • The contents of a California resident's mail, email, and text messages unless the business is the intended recipient of the communication;

  • The processing of biometric information for the purpose of uniquely identifying a California resident; and

  • Personal information collected and analyzed concerning a California resident's health.

In addition to collecting Personal Information ourselves, we additionally coordinate with third parties to collect Personal Information on our behalf, which third parties are engaged in one or more of the business practices described below:

  • Delivering advertising and marketing, including on non-affiliated persons' or entities' sites and mobile apps;

  • Facilitating events and event management, including virtual and/or in-person events (e.g., hotels, restaurants, virtual platforms, audio/visual capabilities, food/beverage, transportation services, etc.); and

  • Referral sources, whether for purposes of identifying candidates for employment, identifying new client opportunities, or recommending vendors or contractors.

The categories of sources from which we collected Personal Information are:

  • Directly from a California resident or the individual's representatives;

  • Service Providers, Consumer Data Resellers, Credit Reporting Agencies and other similar persons or entities;

  • Public Record Sources (Federal, State or Local Government Sources);

  • Information from our Affiliates;

  • Website/Mobile App Activity/Social Media;

  • Information from Client Directed persons or entities or Institutions representing a Client/Prospect; and

  • Information from Corporate Clients about individuals associated with the Clients (e.g., an employee or board member).

With respect to each category of Personal Information that we disclosed for a business purpose in the past 12 months, the categories of persons or entities to whom we disclosed that Personal Information are:

  • Affiliates of Bank of America;

  • Service Providers and Contractors who provide services such as website hosting, data analysis, payment processing, order fulfillment, information technology and related infrastructure, customer service, email delivery, auditing, marketing, marketing research activities, credit financing, event management, and real estate management;

  • Other Service Providers and Contractors who provide services such as payment, banking and communication infrastructure, storage, legal expertise, tax expertise, real estate expertise, appraisal expertise, notaries and auditors, who promote the bank and its financial services and products to customers and other prospective buyers;

  • Other Service Providers and Contractors who enable customers to conduct transactions online and via mobile devices, support mortgage and fulfillment services, vehicle loan processes and aggregators (at the direction of the customer);

  • Other persons or entities to whom we transfer Personal Information as an asset that is part of a merger, acquisition or other transaction in which such other person or entity assumes control of all or part of the business;

  • Government Agencies as required by laws and regulations; and

  • Other persons or entities with which you may use or direct us to intentionally interact or to which you may use or direct us to intentionally disclose your Personal Information.

We do not disclose Personal Information to any other categories of third parties.

We collect, use and disclose for our business purposes Personal Information, including Sensitive Personal Information, relating to California residents to operate, manage, and maintain our business, to provide our products and services, and to accomplish our business or commercial purposes, including the following:

  • Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services (except for cross-context behavioral advertising, a type of targeted advertising), providing analytic services, facilitating event management and execution, managing our real estate portfolio, or providing similar services;

  • Helping to ensure security and integrity to the extent the use of Personal Information is reasonably necessary and proportionate for these purposes;

  • Short-term, transient use, including, but not limited to, nonpersonalized advertising shown as part of a current interaction with us, where the information is not disclosed to a third party and is not used to build a profile or otherwise alter the California resident's experience outside the current interaction with us;

  • Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards;

  • Undertaking activities to verify or maintain the quality or safety of a service controlled by us, and to improve, upgrade, or enhance that service;

  • Debugging to identify and repair errors that impair existing intended functionality;

  • Undertaking internal research for technological development and demonstration; and

  • Complying with laws and regulations and to comply with other legal process and law enforcement requirements (including any internal policy based on or reflecting legal or regulatory guidance, codes or opinions).

How Long We Retain Personal Information

The length of time that we intend to retain each category of Personal Information will depend on a number of criteria, including (i) the length of time we are required to retain Personal Information in order to comply with applicable legal and regulatory requirements, (ii) the length of time we may need to retain Personal Information in order to accomplish the business or commercial purpose(s) for which such Personal Information is collected, used or disclosed (as indicated in this Notice), and (iii) whether you choose to exercise your right, subject to certain exceptions, to request deletion of your Personal Information.

Sale or Sharing of Personal Information

In the 12 months preceding the date of this Notice, we have not “sold” Personal Information or Sensitive Personal Information subject to the CCPA nor have we “sold” or “shared” Personal Information or Sensitive Personal Information of minors under the age of 16.

For purposes of this Notice:

  • “sold” means the disclosure of Personal Information or Sensitive Personal Information to a third party for monetary or other valuable consideration; and

  • “shared” means the disclosure of Personal Information or Sensitive Personal Information to a third party for cross-context behavioral advertising.

In the 12 months preceding the date of this Notice, we “shared” Personal Information for cross-context behavioral advertising, with respect to California residents covered by CCPA. As of the date of this Notice, we have ceased such practices and no longer “share” Personal Information. Our prior “sharing” activities were performed to deliver advertising and marketing, including on non-affiliated third party sites and mobile apps, using Personal Information we collected or that you provided to assist our non-affiliated third party sites and mobile apps to select bank ads or offers that appealed to you, to display them to you and to monitor your responses. In connection with such advertising and marketing activities, we previously “shared” Personal Information with our third party advertising and marketing vendors who were prohibited from using that Personal Information for any purpose other than to provide the specifically requested advertising and marketing services.

Though we have ceased “sharing” Personal Information of California residents covered by CCPA, the categories of Personal Information that we did previously “share” for cross-context behavioral advertising in the 12 months preceding the date of this Notice are:

  • Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers;

  • Internet or other electronic network activity information, such as browsing history, search history, and information regarding a California resident's interaction with an internet website application, or advertisement;

  • Geolocation data; and

  • Inferences drawn from any of the Personal Information listed above to create a profile about a California resident reflecting their preferences, characteristics, psychological trends, predispositions, behavior, and attitudes, intelligence, abilities, and aptitudes.

How We Use Sensitive Personal Information

We only use or disclose Sensitive Personal Information for the following purposes consistent with CCPA Regulations:

  • To perform the services or provide the goods reasonably expected by an average California resident who requests those goods or services. For example, a California resident's precise geolocation may be used by a mobile application that is providing them with directions on how to get to a specific location.

  • To detect security incidents that compromise the availability, authenticity, integrity, and confidentiality of stored or transmitted Personal Information, provided that the use of a California resident's Personal Information is reasonably necessary and proportionate for this purpose. For example, we may disclose a California resident's log-in information to a data security company that it has hired to investigate and remediate a data breach that involved that individual's account.

  • To resist malicious, deceptive, fraudulent, or illegal actions directed at the business and to prosecute those responsible for those actions, provided that the use of a California resident's Personal Information is reasonably necessary and proportionate for this purpose. For example, we may use information about a California resident's ethnicity and/or the contents of email and text messages to investigate claims of racial discrimination or hate speech.

  • To ensure the physical safety of natural persons, provided that the use of a California resident's Personal Information is reasonably necessary and proportionate for this purpose. For example, we may disclose a California resident's geolocation information to law enforcement to investigate an alleged kidnapping.

  • For short-term, transient use, including, but not limited to, nonpersonalized advertising shown as part of a California resident's current interaction with us.

  • To perform services such as maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying a California resident's information, processing payments, providing financing, providing analytic services, providing storage.

  • To verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured by, manufactured for, or controlled by us.

Rights under the CCPA

If you are a California resident covered by the CCPA, you have the right to:

(1) Receive this Notice at or before the point of collection of your Personal Information.

(2) Request we disclose to you free of charge the following information covering the 12 months preceding your request:

a. the categories of Personal Information about you that we collected;

b. the categories of sources from which the Personal Information was collected;

c. the purpose for collecting Personal Information about you;

d. the categories of third parties to whom we disclosed Personal Information about you and the categories of Personal Information that were disclosed (if applicable) and the purpose for disclosing the Personal Information about you; and

e. the specific pieces of Personal Information we collected about you;

(3) Request we correct inaccurate Personal Information that we maintain about you.

(4) Request we delete Personal Information we collected from you, unless the CCPA recognizes an exception.

(5) Be free from unlawful discrimination for exercising your rights under the CCPA.

Please see the section below entitled, “How to Exercise Your Rights,” for instructions explaining how you can exercise these rights described above.

We will acknowledge receipt of your request and advise you how long we expect it will take to respond if we are able to verify your identity. Requests for specific pieces of Personal Information will require additional information to verify your identity.

For individuals submitting a request on behalf of another person, we may require proof of authorization and verification of identity directly from the person for whom the request is made.

For a company or organization submitting a request on behalf of another person, we may require proof of authorization from the individual such as a Power of Attorney and verification of identity directly from the person for whom the request is made.

In some instances, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity or if we cannot verify that you have the authority to make a request on behalf of another individual. Additionally, we will not honor your request where an exception applies, such as where the disclosure of Personal Information would adversely affect the rights and freedoms of another California resident or where the Personal Information that we maintain about you is not subject to the CCPA's access or deletion rights.

We will advise you in our response if we are not able to honor your request. We will not provide Social Security numbers, driver's license numbers or government-issued identification numbers, financial account numbers, unique biometric data, health care or medical identification numbers, account passwords or security questions and answers, or any specific pieces of information if the disclosure presents the possibility of unauthorized access that could result in identity theft or fraud or unreasonable risk to data or systems and network security.

We will work to process all verified requests within 45 days pursuant to the CCPA. If we need an extension for up to an additional 45 days in order to process your request, we will provide you with an explanation for the delay.

How We Process Opt-Out Preferences

We have ceased “cross-contextual behavioral advertising” and do not “share” this data with any third parties, as such terms are defined by the CCPA.

Bank of America permits California residents to automatically exercise their right to opt-out of sale/sharing through opt-out preference signals without having to make individualized opt-out requests. Bank of America treats opt-out preference signals as valid requests to opt-out of sale/sharing for the browser.

How to Exercise Your Rights

If you are a California resident, you may submit a request by:

(1) Completing an online Personal Information Request Form

(2) Calling 888.341.5000

Questions or Concerns

You may contact us with questions or concerns about this Notice and our practices by:

(1) Writing us at:

Individual Rights Operations TX-041-02-08

16001 N Dallas Pkwy Building 1

Addison, TX 75001

(2) Emailing us at serviceinquiries4@bofa.com

Metrics

Please visit www.bankofamerica.com/ccpa-metrics for data reporting published in accordance with Section 7102 of the California Consumer Privacy Act Regulations.

Changes to This California Consumer Privacy Act Notice

We may change or update this Notice from time to time. When we do, we will post the revised Notice on this page with a new “Last Updated” date.

Where You Can Find This Notice Online

You may access this Notice online at www.bankofamerica.com/CCPA-Notice.

U.S. Online Privacy Notice
U.S. Consumer Privacy Notice
California Consumer Privacy Notice