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Submitted URL: https://click.emcom.bankofamerica.com/u/?qs=7aa0ecb8e86f6dce843700661f932e69ca3ca1ade504432d196e5b2f55eafc6a162bcd1725ec964670d078d3e1...
Effective URL: https://www.bankofamerica.com/security-center/overview/
Submission: On November 14 via api from US — Scanned from DE
Effective URL: https://www.bankofamerica.com/security-center/overview/
Submission: On November 14 via api from US — Scanned from DE
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Bank of America
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Top Privacy & Security Links Top Privacy & Security Links
* Overview
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* Overview
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Other Privacy & Security Links Other Privacy & Security Links
* Fraud Protection
* Fraud Prevention Checklist
* How to Avoid Scams
* Identity Theft
* Business Security Center
* Understand Merchant Compromise
* FAQs
* Privacy and Security Glossary
* Fraud Protection
* Fraud Prevention Checklist
* How to Avoid Scams
* Identity Theft
* Business Security Center
* Understand Merchant Compromise
* FAQs
* Privacy and Security Glossary
BANK OF AMERICA SECURITY CENTER
GET THE MOBILE BANKING APP
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GET IT ON THE APP STORE
Before you leave our site, we want you to know your app store has its own
privacy practices and level of security which may be different from ours, so
please review their policies.
OR WE CAN TEXT A DOWNLOAD LINK DIRECTLY TO YOUR PHONE
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Text message fees may apply from your carrier. Text messages may be transmitted
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Apple Inc., registered in the U.S. and other countries. App Store is a service
mark of Apple Inc.
GET IT ON THE APP STORE
Before you leave our site, we want you to know your app store has its own
privacy practices and level of security which may be different from ours, so
please review their policies.
OR WE CAN SEND YOU A LINK BY EMAIL
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Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of
Apple Inc., registered in the U.S. and other countries. App Store is a service
mark of Apple Inc.
GET IT ON GOOGLE PLAY
Before you leave our site, we want you to know your app store has its own
privacy practices and level of security which may be different from ours, so
please review their policies.
OR WE CAN TEXT A DOWNLOAD LINK DIRECTLY TO YOUR PHONE
Phone Number* In 999-999-9999 Format
Send
Please enter a phone number
By providing your mobile number you are consenting to receive a text message.
Text message fees may apply from your carrier. Text messages may be transmitted
automatically.
Android is a trademark of Google Inc. Samsung is a registered trademark of
Samsung Electronics Co., Ltd.
OUR MOBILE APP ISN'T AVAILABLE FOR ALL DEVICES
If you don't see an app for your device, you may still be able to access our
mobile website by typing bankofamerica.com in your mobile web browser.
Learn more about mobile banking options and supported devices
GET THE MOBILE BANKING APP
Before you leave our site, we want you to know your app store has its own
privacy practices and level of security which may be different from ours, so
please review their polices.
Continue Go back to Bank of America
WE'VE SENT YOU A DOWNLOAD LINK
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WE COULDN'T SEND THE LINK
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use your mobile device to get the app from its app store.
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TOGETHER, WE
CAN IDENTIFY
AND PREVENT
FRAUD EVENTS
FASTER
TOGETHER, WE CAN
IDENTIFY AND PREVENT
FRAUD EVENTS FASTER
SCAMMERS ARE SPOOFING BANK PHONE NUMBERS AND TEXT MESSAGES, AND ARE INSTRUCTING
YOU TO BYPASS SCAM WARNINGS
Learn more popup
OCTOBER IS CYBER SECURITY AWARENESS MONTH - LEARN HOW YOU CAN HELP PROTECT
YOURSELF
Learn more cyber security month
TOGETHER WE CAN IDENTIFY AND
PREVENT FRAUD EVENTS
SCAMMERS ARE SPOOFING BANK PHONE NUMBERS AND TEXT MESSAGES, AND ARE INSTRUCTING
YOU TO BYPASS SCAM WARNINGS
Learn more popup
OCTOBER IS CYBER SECURITY AWARENESS MONTH - LEARN HOW YOU CAN HELP PROTECT
YOURSELF
Learn more cyber security month
Previous slideNext slide
* Item 1 of 3
* Item 2 of 3
* Item 3 of 3
BEWARE OF SCAMMERS SPOOFING BANK PHONE NUMBERS AND TEXT MESSAGES THAT INSTRUCT
YOU TO BYPASS SCAM WARNINGS OR AUTHORIZE TRANSACTIONS TO YOURSELF TO RESOLVE
FRAUD!
Scammers continue to impersonate Bank of America by spoofing phone numbers and
text messages to contact you claiming fraud is happening on the account. To
resolve the issue, they will ask you to send money to yourself electronically,
and for a one-time passcode to “secure” the account. You'll be instructed to
ignore any messages that say to never send money, and reply to suspicious
activity texts confirming the money you are sending is valid. They may say it's
part of the process - it's not part of the process! If you do this, the scammers
may be able to gain access to your account, change your bank account to their
own account so the money you think you are sending to yourself, actually goes to
the scammer.
How to help protect yourself:
* While Bank of America may send you a text to validate unusual activity, we
will never contact you to request that you send money to anyone, including
yourself or to share a code to resolve fraud - Always validate your alerts
are from Bank of America by visiting alerts history in Online Banking
* Beware of caller ID as it is not always who it says it is
* Be concerned if you are told to ignore warning messages, they are there for a
reason
* Don't provide codes based on a call you receive
* Regularly review contact information to ensure there aren't any unauthorized
changes
YOUR SECURITY IS OUR TOP PRIORITY
KNOWLEDGE IS A POWERFUL
DEFENSE AGAINST FRAUD
Do you see suspicious activity? Report now
See how to spot fraud
Help protect yourself from Identity theft
Do you see suspicious activity? Report now
See how to spot fraud
Help protect yourself from Identity theft
STAY VIGILANT AGAINST SCAMS
Can you spot a scam? Latest scam trends and red flags
Protect the ones you love: Resources for Parents and Caregivers
Can you spot a scam? Latest scam trends and red flags
Protect the ones you love: Resources for Parents and Caregivers
TAKE SIMPLE STEPS TO HELP PROTECT PERSONAL AND BUSINESS ACCOUNTS
Tips to protect your personal accounts
Visit the Small Business Security Center and Resources
Tips to protect your personal accounts
Visit the Small Business Security Center and Resources
OUR ONLINE & MOBILE SECURITY GUARANTEE
You’re never liable for unauthorized purchases or
transactions—as long as they’re reported promptly.
Get complete details about Online and Mobile Banking Security Guarantee
NEW! TAKE YOUR SECURITY TO THE NEXT LEVEL
Learn more about managing your security
Log in now and manage your security
Learn more about managing your security
Log in now and manage your security
SET YOUR PRIVACY CHOICES
You control how we market to you and
share your information.
Set your privacy choices now
Opted out of promotional emails and
want to opt back in?
Update your email preferences
You control how we market to you and
share your information. Set your
privacy choices now
Opted out of promotional emails and
want to opt back in? Update your email preferences
CUSTOMIZE YOUR ALERTS
Know when irregular card activity or
changes to personal information take
place on your account.
Learn more about alerts
Log in and manage your alerts
Download the mobile app layer to monitor your alerts on the go
Know when irregular card activity or
changes to personal information take
place on your account.
Learn more about alerts
Log in and manage your alerts
Download the mobile app layer to monitor your alerts on the go
Expand all panels
Additional fraud & security resources
AARP has assembled a variety of resources about security and scams that we think
you'll find helpful.
Visit the AARP page on scams and fraud layer
Privacy is important, especially when it comes to your finances. Get an
understanding of identity theft, online and data security and how to stay safe.
Visit the Better Habits Privacy & Security page
Concerned about which third-party money management apps and websites have access
to your financial information? Review our FAQs, or log in to Online Banking to
see which third-parties have access to your data through our secure protocol.
Another way to help guard against financial exploitation is to designate a
trusted contact person. A trusted contact is someone we're able to contact to
confirm information and address suspicious activity. Learn more about how to set
up a trusted contact.
Additionally, visit our Signature Services pages with information and resources
such as Elder financial care and power of attorney.
Congratulations! Your internet browser meets our security requirements
Review requirements
Free products to increase your security
We've teamed up with IBM to offer Trusteer Rapport — online fraud protection
software available for Bank of America customers. Trusteer Rapport delivers
extra security while you're logged in to our site.
* No charge, no registration and no commitment
* Downloads in just minutes
* Future updates are free
Learn more about Trusteer Rapport®
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.
Submit Cancel
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.
U.S. Online Privacy Notice U.S. Consumer Privacy Notice California Consumer
Privacy Notice
FULL PAGE VERSION
BANK OF AMERICA U.S. ONLINE PRIVACY NOTICE
Last updated September 29, 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.
We also may obtain personal information from a sponsor for individuals onboarded
via a Commercial Prepaid card program with us. If we combine such personal
information with information collected through the Mobile Services, we will
treat the combined information as personal information in accordance with this
Notice.
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.
* Debit/Credit Card Information such as card number, expiration date, CVV2,
billing address.
* 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., text messages, 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 (for example, for real time ATM or financial
center location, upon request, or for 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.
* 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
marketing and information sharing choices. You can register your choices online
at Control How We Can Share Your Data and Market To You.
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
* 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.
FULL PAGE VERSION
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 bureausYesNoFor 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)YesNoFor joint marketing with other
financial companiesYesNoFor our affiliates’ everyday business purposes —
information about your transactions and experiencesYesNoFor our affiliates’
everyday business purposes — information about your creditworthinessYesYesFor
nonaffiliates to market to you — for all credit card accountsYesYesFor
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”YesYesFor 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
* Visit us online: bankofamerica.com/privacy
* Call 888.341.5000 — our menu will prompt you through your choices
* Talk to your assigned financial advisor
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
* Visit us online: bankofamerica.com/privacy
* Call 888.341.5000 — our menu will prompt you through your choices
* Talk to your assigned financial advisor
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?
Call 888.341.5000 or go to bankofamerica.com/privacy
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
FULL PAGE VERSION
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.
Expand all panels
U.S. Online Privacy Notice
FULL PAGE VERSION
BANK OF AMERICA U.S. ONLINE PRIVACY NOTICE
Last updated September 29, 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.
We also may obtain personal information from a sponsor for individuals onboarded
via a Commercial Prepaid card program with us. If we combine such personal
information with information collected through the Mobile Services, we will
treat the combined information as personal information in accordance with this
Notice.
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.
* Debit/Credit Card Information such as card number, expiration date, CVV2,
billing address.
* 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., text messages, 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 (for example, for real time ATM or financial
center location, upon request, or for 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.
* 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
marketing and information sharing choices. You can register your choices online
at Control How We Can Share Your Data and Market To You.
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
* 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
FULL PAGE VERSION
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 bureausYesNoFor 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)YesNoFor joint marketing with other
financial companiesYesNoFor our affiliates’ everyday business purposes —
information about your transactions and experiencesYesNoFor our affiliates’
everyday business purposes — information about your creditworthinessYesYesFor
nonaffiliates to market to you — for all credit card accountsYesYesFor
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”YesYesFor 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
* Visit us online: bankofamerica.com/privacy
* Call 888.341.5000 — our menu will prompt you through your choices
* Talk to your assigned financial advisor
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
* Visit us online: bankofamerica.com/privacy
* Call 888.341.5000 — our menu will prompt you through your choices
* Talk to your assigned financial advisor
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?
Call 888.341.5000 or go to bankofamerica.com/privacy
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 Notice
FULL PAGE VERSION
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.
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ADVERTISING PRACTICES
We strive to provide you with information about products and services you
might find interesting and useful. Relationship-based ads and online
behavioral advertising help us do that.
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 DAA 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.
To learn more about relationship-based ads, online behavioral advertising and
our privacy practices, please review the Bank of America Online Privacy
Notice and our Online Privacy FAQs.
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YOUR PRIVACY CHOICES
* YOUR PRIVACY CHOICES
* OPT-OUT PREFERENCE SIGNALS
YOUR PRIVACY CHOICES
This feature allows you to manage your privacy choices. By selecting a category,
you can learn about your choices and make changes. Selections you make will
update your default settings. Where possible, we will provide you with a single
privacy profile and store settings across our brands. Occasionally there are
legal or technical limitations, where you have multiple user names or accounts,
that may prevent this from occurring. You should check your settings for
accuracy based on your relationship with us.
Local Privacy Notices and Requirements
The Privacy Choices displayed are specific to your local privacy requirements
and our privacy notices. For more information about how we protect your privacy,
including specific rights that may apply, please visit the Institutional Privacy
and the Consumer Privacy pages.
Marketing Preferences
To manage your general marketing preferences, please visit the “Control how we
can share your data and market to you” form on our Privacy Page.
California Residents
To learn more about your privacy rights as a California resident, please see our
California Consumer Privacy Act Notice. To exercise your CCPA consumer rights,
please visit our CA Personal Information Request form.
OPT-OUT PREFERENCE SIGNALS
Opt-Out Preference Signals
An “opt-out preference signal,” such as the Global Privacy Control, is a signal
sent by your browser, device, or other platform that communicates your choice
for sharing personal information. Bank of America honors any opt-out preference
signal that meets legal requirements as a valid request to opt out of sharing
personal information for cross-context behavioral advertising.
If we receive an opt-out preference signal from your device, we will honor it
and update your settings. At any time, you may manually adjust the toggle to
update your preferences.
• A toggle to the left indicates that you have opted-out and prefer to prohibit
our sharing of your personal information
• A toggle to the right indicates your preference to opt-in and allow us to
share your personal information
• Any manual adjustment or updated opt-out preference signal will override
previous settings
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