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Bank of America
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Top Privacy & Security Links Top Privacy & Security Links
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* Fraud Protection
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* 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
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privacy practices and level of security which may be different from ours, so
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mark of Apple Inc.
GET IT ON THE APP STORE
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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
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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
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privacy practices and level of security which may be different from ours, so
please review their polices.
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TOGETHER, WE
CAN IDENTIFY
AND PREVENT
FRAUD EVENTS
FASTER
TOGETHER, WE CAN
IDENTIFY AND PREVENT
FRAUD EVENTS FASTER
ARE YOU TAKING THE RIGHT
PRECAUTIONS BEFORE YOU
BUY ONLINE?
Learn more how to avoid scams
OCTOBER IS CYBER SECURITY AWARENESS MONTH
Learn how to help protect yourself from cyber criminals'
phishing attempts
Learn more Protect yourself from fraud and scams
TOGETHER WE CAN IDENTIFY AND
PREVENT FRAUD EVENTS
ARE YOU TAKING THE RIGHT
PRECAUTIONS BEFORE YOU
BUY ONLINE?
Learn more how to avoid scams
OCTOBER IS CYBER SECURITY AWARENESS MONTH
Learn how to help protect yourself from cyber criminals'
phishing attempts
Learn more Protect yourself from fraud and scams
Previous slideNext slide
* Item 1 of 3
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YOUR SECURITY IS OUR TOP PRIORITY
KNOW FRAUD WHEN YOU SEE IT
Knowledge is a powerful defense against fraud.
See how to spot fraud
Warning signs of identity theft
Red flags of common scams
Knowledge is a powerful defense against fraud.
See how to spot fraud
Warning signs of identity theft
Red flags of common scams
PROTECT YOUR ACCOUNTS
Take simple steps to help protect your devices,
identity and business.
See how to protect your personal accounts
See how to protect your business accounts
Take simple steps to help protect your devices, identity and business.
See how to protect your personal accounts
See how to protect your business accounts
LOST CARD? SUSPICIOUS TRANSACTION?
Timely action is important.
Report suspicious activity now
Misplaced debit card?
See how to lock/unlock your card
Timely action is important. Report suspicious activity now
Misplaced debit card? See how to lock/unlock your card
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 , closed
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.
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Free products to increase your security , closed
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: In order for this online behavioral advertising opt-out to
work on your device, your browser must be set to accept cookies. 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 November 10, 2021
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. 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 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.
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 banking center, your Financial Advisor or account
representative.
PERSONAL INFORMATION WE COLLECT ONLINE
HOW DO WE COLLECT PERSONAL INFORMATION ONLINE?
We collect personal information about you through your computer or mobile
devices by the use of cookies and similar tracking technologies (see our Cookie
Policy for details) as well as personal information you provide when you visit
or use our Sites and Mobile Apps, for example when you:
* Apply for or open a new account
* Register for a new product or service, or request information about a product
or service
* Register as a participant in one of our events
* Complete a survey, contest or sweepstakes or other promotion
* Use aggregation services such as My Portfolio® and My Financial Picture® in
order to consolidate your financial account or information at one online
location
We may use third party providers to process personal information for business
purposes on our behalf. Third party providers are contractually obligated to
comply with our policies to protect information we share with them or they
collect on our behalf.
The personal information we collect is limited to what is required to provide
our products or services and to support legal and risk requirements. For
additional information, please review the How do we use your personal
information section of this Notice.
TYPES OF PERSONAL INFORMATION WE COLLECT ONLINE
The type of personal information we collect from and about you online will
depend on how you interact with us and may include:
* Contact Information such as name, mailing address, email address, telephone
and mobile number(s)
* Account Application information such as credit and income information
* Identifiers such as social security number, account number(s), driver's
license number (or comparable) or other information that identifies you for
ordinary business purposes
* Access Authorization such as user name, alias, PIN and password and security
questions and answers
* 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)
* Responses to advertisements on sites and mobile apps where we advertise
* Log information such as your search and voice to text queries in the
mobile app
* Search engine referrals
* Geolocation information with consent (for example ATM or financial center
location, fraud prevention)
* Social media preference
* Information to facilitate virtual or in-person event management (for
example attendee names, dietary requirements, special assistance needs,
and travel details for participants)
HOW WE USE AND SHARE PERSONAL INFORMATION
HOW DO WE USE YOUR PERSONAL INFORMATION?
Personal information collected from and about you online described in this
Notice may be used for many purposes such as:
* Delivering products and services to you by verifying your identity (for
example when you access your account information); processing applications
for products or services such as to prequalify for a mortgage, apply for a
credit card, or to open a retirement account, investment account or other
financial product; processing transactions; 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.
INDIVIDUAL HEALTH AND/OR SENSITIVE INFORMATION
To the extent that we receive, maintain or process an individual's health
information, Bank of America may use and disclose that information as authorized
by and in accordance with applicable federal and/or state law.
At the time of event registration participants may provide information that
requires special accommodations. This information will be used only to the
extent necessary to facilitate any special accommodations for event
participation.
WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
We may share the personal information we collect from and about you online
described in this Notice (and subject to other legal restrictions and notices
you may have received depending on your relationship with us) with:
* Affiliates and Subsidiaries of Bank of America, such as Merrill
* Third Party Providers who have contracts with Bank of America including event
vendors, organizers, volunteers, contractors, and sponsors
* Government Agencies as required by laws and regulations
AGGREGATED / DE-IDENTIFIED INFORMATION
Collected personal information may be aggregated and/or de-identified (we remove
any details that identify you personally). We may share this aggregated and/or
de-identified information with third party providers to help deliver products,
services, and content that are better tailored to the users of our online
services and for our own business purposes where permissible under applicable
laws and regulations.
HOW TO LIMIT SHARING
You have choices regarding the sharing of some personal information. Where
appropriate, we will limit sharing of your personal information based on your
privacy choices. You can register your choices online at Set your Privacy
Choices.
ONLINE BEHAVIORAL ADVERTISING
Personal information collected from and about you online as described in this
Notice is used and shared to deliver advertising and marketing, including
prescreened offers of credit, which may be of interest to you.
We present tailored ads to you:
* On our Sites and Mobile Apps through ads that appear as you sign on or off of
your online accounts
* In off-line channels such as financial centers, call centers, and through
direct marketing (for example email, mail, phone)
* On third party sites and mobile apps not affiliated with Bank of America
HOW WE TAILOR ADS TO YOU
* Advertising on our sites, mobile apps and off-line channels such as financial
centers, call centers, and through direct marketing (for example email, mail,
phone): We may use personal information about your activities on our Sites
and Mobile Apps, such as pages visited and key words entered, to help
determine which of our ads or offers may be of interest to you. We may use
personal information about your relationship with us (such as types of
accounts, transactional information or the location in which you bank) to
help determine which advertisements or offers to present to you.
* Advertising on non-affiliated third party sites and mobile apps: Bank of
America contracts with advertising companies to advertise our products and
services on sites and mobile apps not affiliated with us. We may use personal
information we have collected or that you have provided to assist our
non-affiliated third party sites and mobile apps to select bank ads or offers
that may appeal to you, display them to you and monitor your responses.
Non-affiliated third party sites and mobile apps are not subject to Bank of
America Privacy Notices.
HOW YOU CAN OPT OUT OF ONLINE BEHAVIORAL ADVERTISING
You have choices about how Bank of America advertises to you based on your
online behavior.
* Advertising on our Sites and Mobile Apps and off-line channels such as
financial centers, call centers, and through direct marketing (for example
email, mail, phone): If you prefer we not provide you with tailored content
and advertising based on your online behavior with our Sites and Mobile Apps,
you may opt out of online behavioral advertising layer. Please review the
important Reminder section that follows.
* Advertising on Non-Affiliated Third Party sites: Bank of America participates
in the Digital Advertising Alliance ("DAA") self-regulatory Principles for
Online Behavioral Advertising and uses the Advertising Options Icon on our
behavioral ads on non-affiliated third party sites (excluding ads appearing
on platforms that do not accept the icon). Ads served on our behalf by these
companies do not contain unencrypted personal information and we limit the
use of personal information by companies that serve our ads. To learn more
about ad choices, or to opt out of interest-based advertising with
non-affiliated third party sites, visit YourAdChoices layer powered by the
Digital Advertising Alliance or through the Network Advertising Initiative's
Opt-Out Tool layer. You may also visit the individual sites for additional
information on their data and privacy practices and opt out-options.
Industry standards are currently evolving and we may not separately respond to
or take any action with respect to a "do not track" configuration set in your
internet browser.
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 username 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 are not responsible for the use or disclosure of any personal information
accessed by any company or person to whom you provide your site username and
password.
* If you share your Bank of America username, 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 10, 2020
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 (“CCPA”). This Notice is provided
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. 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 AND DISCLOSURE OF PERSONAL INFORMATION
In the past 12 months, we have collected, and disclosed to third parties for our
business purposes, the following categories of Personal Information relating to
California residents covered by this Notice:
* Identifiers, such as name and government-issued identifier (e.g., Social
Security number);
* Personal information, as defined in the California safeguards law, such as
contact information and financial information;
* Characteristics of protected classifications under California or federal law,
such as sex and marital status;
* Commercial information, such as transaction information and purchase history;
* Biometric information, such as fingerprints and voiceprints;
* Internet or network activity information, such as browsing history and
interactions with our website;
* Geolocation data, such as device location and Internet Protocol (IP)
location;
* Audio, electronic, visual and similar information, such as call and video
recordings;
* Professional or employment-related information, such as work history and
prior employer;
* Education information, such as student records and directory information; and
* Inferences drawn from any of the Personal Information listed above to create
a profile about, for example, an individual's preferences and
characteristics.
The categories of sources from whom we collected this Personal Information are:
* Directly from a California resident or the individual's representatives
* Service Providers, Consumer Data Resellers and other third parties
* Public Record Sources (Federal, State or Local Government Sources)
* Information from our Affiliates
* Website/Mobile App Activity/Social Media
* Information from Client Directed Third Parties or Institutions representing a
Client/Prospect
* Information from Corporate Clients about individuals associated with the
Clients (e.g., an employee or board member)
The categories of third parties to whom we disclosed Personal Information for
our business purposes described in this privacy Notice are:
* Affiliates and Subsidiaries of Bank of America
* Vendors and Service Providers who provide services such as website hosting,
data analysis, payment processing, order fulfillment, information technology
and related infrastructure, customer service, email delivery, auditing,
marketing and marketing research activities
* Partners and Third Parties who provide services such as payment, banking and
communication infrastructure, storage, legal expertise, tax expertise,
notaries and auditors, who promote the bank and its financial services and
products to customers and other prospective buyers
* Other Third Parties 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)
* Government Agencies as required by laws and regulations
USE OF PERSONAL INFORMATION
In the past 12 months, we have used Personal Information relating to California
residents to operate, manage, and maintain our business, to provide our products
and services, and to accomplish our business purposes and objectives, 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, providing analytic services, or providing
similar services.
* Detecting security incidents, protecting against malicious, deceptive,
fraudulent, or illegal activity, and prosecuting those responsible for that
activity.
* Short-term, transient use where the information is not disclosed to a third
party and is not used to build a profile or otherwise alter an individual
consumer's experience outside the current interaction, including, but not
limited to, the contextual customization of ads shown as part of the same
interaction.
* Auditing related to a current interaction and concurrent transactions,
including, but not limited 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 the service
controlled by the business.
* Debugging to identify and repair errors that impair existing intended
functionality.
* Undertaking internal research for technological development and
demonstration.
* 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)
SALE OF PERSONAL INFORMATION
In the past 12 months, we have not “sold” Personal Information subject to the
CCPA, including Personal Information of minors under the age of 16. For purposes
of this Notice, “sold” means the disclosure of Personal Information to a
third-party for monetary or other valuable consideration.
RIGHTS UNDER THE CCPA
If you are a California resident, you have the right to:
(1) 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 was 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;
(2) Request we delete Personal Information we collected from you, unless the
CCPA recognizes an exception; and
(3) Be free from unlawful discrimination for exercising your rights under the
CCPA
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 consumer 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, 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 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 Service Inquiries
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.
Expand all panels
U.S. Online Privacy Notice , closed
FULL PAGE VERSION
BANK OF AMERICA U.S. ONLINE PRIVACY NOTICE
Last updated November 10, 2021
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. 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 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.
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 banking center, your Financial Advisor or account
representative.
PERSONAL INFORMATION WE COLLECT ONLINE
HOW DO WE COLLECT PERSONAL INFORMATION ONLINE?
We collect personal information about you through your computer or mobile
devices by the use of cookies and similar tracking technologies (see our Cookie
Policy for details) as well as personal information you provide when you visit
or use our Sites and Mobile Apps, for example when you:
* Apply for or open a new account
* Register for a new product or service, or request information about a product
or service
* Register as a participant in one of our events
* Complete a survey, contest or sweepstakes or other promotion
* Use aggregation services such as My Portfolio® and My Financial Picture® in
order to consolidate your financial account or information at one online
location
We may use third party providers to process personal information for business
purposes on our behalf. Third party providers are contractually obligated to
comply with our policies to protect information we share with them or they
collect on our behalf.
The personal information we collect is limited to what is required to provide
our products or services and to support legal and risk requirements. For
additional information, please review the How do we use your personal
information section of this Notice.
TYPES OF PERSONAL INFORMATION WE COLLECT ONLINE
The type of personal information we collect from and about you online will
depend on how you interact with us and may include:
* Contact Information such as name, mailing address, email address, telephone
and mobile number(s)
* Account Application information such as credit and income information
* Identifiers such as social security number, account number(s), driver's
license number (or comparable) or other information that identifies you for
ordinary business purposes
* Access Authorization such as user name, alias, PIN and password and security
questions and answers
* 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)
* Responses to advertisements on sites and mobile apps where we advertise
* Log information such as your search and voice to text queries in the
mobile app
* Search engine referrals
* Geolocation information with consent (for example ATM or financial center
location, fraud prevention)
* Social media preference
* Information to facilitate virtual or in-person event management (for
example attendee names, dietary requirements, special assistance needs,
and travel details for participants)
HOW WE USE AND SHARE PERSONAL INFORMATION
HOW DO WE USE YOUR PERSONAL INFORMATION?
Personal information collected from and about you online described in this
Notice may be used for many purposes such as:
* Delivering products and services to you by verifying your identity (for
example when you access your account information); processing applications
for products or services such as to prequalify for a mortgage, apply for a
credit card, or to open a retirement account, investment account or other
financial product; processing transactions; 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.
INDIVIDUAL HEALTH AND/OR SENSITIVE INFORMATION
To the extent that we receive, maintain or process an individual's health
information, Bank of America may use and disclose that information as authorized
by and in accordance with applicable federal and/or state law.
At the time of event registration participants may provide information that
requires special accommodations. This information will be used only to the
extent necessary to facilitate any special accommodations for event
participation.
WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
We may share the personal information we collect from and about you online
described in this Notice (and subject to other legal restrictions and notices
you may have received depending on your relationship with us) with:
* Affiliates and Subsidiaries of Bank of America, such as Merrill
* Third Party Providers who have contracts with Bank of America including event
vendors, organizers, volunteers, contractors, and sponsors
* Government Agencies as required by laws and regulations
AGGREGATED / DE-IDENTIFIED INFORMATION
Collected personal information may be aggregated and/or de-identified (we remove
any details that identify you personally). We may share this aggregated and/or
de-identified information with third party providers to help deliver products,
services, and content that are better tailored to the users of our online
services and for our own business purposes where permissible under applicable
laws and regulations.
HOW TO LIMIT SHARING
You have choices regarding the sharing of some personal information. Where
appropriate, we will limit sharing of your personal information based on your
privacy choices. You can register your choices online at Set your Privacy
Choices.
ONLINE BEHAVIORAL ADVERTISING
Personal information collected from and about you online as described in this
Notice is used and shared to deliver advertising and marketing, including
prescreened offers of credit, which may be of interest to you.
We present tailored ads to you:
* On our Sites and Mobile Apps through ads that appear as you sign on or off of
your online accounts
* In off-line channels such as financial centers, call centers, and through
direct marketing (for example email, mail, phone)
* On third party sites and mobile apps not affiliated with Bank of America
HOW WE TAILOR ADS TO YOU
* Advertising on our sites, mobile apps and off-line channels such as financial
centers, call centers, and through direct marketing (for example email, mail,
phone): We may use personal information about your activities on our Sites
and Mobile Apps, such as pages visited and key words entered, to help
determine which of our ads or offers may be of interest to you. We may use
personal information about your relationship with us (such as types of
accounts, transactional information or the location in which you bank) to
help determine which advertisements or offers to present to you.
* Advertising on non-affiliated third party sites and mobile apps: Bank of
America contracts with advertising companies to advertise our products and
services on sites and mobile apps not affiliated with us. We may use personal
information we have collected or that you have provided to assist our
non-affiliated third party sites and mobile apps to select bank ads or offers
that may appeal to you, display them to you and monitor your responses.
Non-affiliated third party sites and mobile apps are not subject to Bank of
America Privacy Notices.
HOW YOU CAN OPT OUT OF ONLINE BEHAVIORAL ADVERTISING
You have choices about how Bank of America advertises to you based on your
online behavior.
* Advertising on our Sites and Mobile Apps and off-line channels such as
financial centers, call centers, and through direct marketing (for example
email, mail, phone): If you prefer we not provide you with tailored content
and advertising based on your online behavior with our Sites and Mobile Apps,
you may opt out of online behavioral advertising layer. Please review the
important Reminder section that follows.
* Advertising on Non-Affiliated Third Party sites: Bank of America participates
in the Digital Advertising Alliance ("DAA") self-regulatory Principles for
Online Behavioral Advertising and uses the Advertising Options Icon on our
behavioral ads on non-affiliated third party sites (excluding ads appearing
on platforms that do not accept the icon). Ads served on our behalf by these
companies do not contain unencrypted personal information and we limit the
use of personal information by companies that serve our ads. To learn more
about ad choices, or to opt out of interest-based advertising with
non-affiliated third party sites, visit YourAdChoices layer powered by the
Digital Advertising Alliance or through the Network Advertising Initiative's
Opt-Out Tool layer. You may also visit the individual sites for additional
information on their data and privacy practices and opt out-options.
Industry standards are currently evolving and we may not separately respond to
or take any action with respect to a "do not track" configuration set in your
internet browser.
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 username 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 are not responsible for the use or disclosure of any personal information
accessed by any company or person to whom you provide your site username and
password.
* If you share your Bank of America username, 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 , closed
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 , closed
FULL PAGE VERSION
CALIFORNIA CONSUMER PRIVACY ACT NOTICE
Last updated December 10, 2020
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 (“CCPA”). This Notice is provided
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. 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 AND DISCLOSURE OF PERSONAL INFORMATION
In the past 12 months, we have collected, and disclosed to third parties for our
business purposes, the following categories of Personal Information relating to
California residents covered by this Notice:
* Identifiers, such as name and government-issued identifier (e.g., Social
Security number);
* Personal information, as defined in the California safeguards law, such as
contact information and financial information;
* Characteristics of protected classifications under California or federal law,
such as sex and marital status;
* Commercial information, such as transaction information and purchase history;
* Biometric information, such as fingerprints and voiceprints;
* Internet or network activity information, such as browsing history and
interactions with our website;
* Geolocation data, such as device location and Internet Protocol (IP)
location;
* Audio, electronic, visual and similar information, such as call and video
recordings;
* Professional or employment-related information, such as work history and
prior employer;
* Education information, such as student records and directory information; and
* Inferences drawn from any of the Personal Information listed above to create
a profile about, for example, an individual’s preferences and
characteristics.
The categories of sources from whom we collected this Personal Information are:
* Directly from a California resident or the individual’s representatives
* Service Providers, Consumer Data Resellers and other third parties
* Public Record Sources (Federal, State or Local Government Sources)
* Information from our Affiliates
* Website/Mobile App Activity/Social Media
* Information from Client Directed Third Parties or Institutions representing a
Client/Prospect
* Information from Corporate Clients about individuals associated with the
Clients (e.g., an employee or board member)
The categories of third parties to whom we disclosed Personal Information for
our business purposes described in this privacy Notice are:
* Affiliates and Subsidiaries of Bank of America
* Vendors and Service Providers who provide services such as website hosting,
data analysis, payment processing, order fulfillment, information technology
and related infrastructure, customer service, email delivery, auditing,
marketing and marketing research activities
* Partners and Third Parties who provide services such as payment, banking and
communication infrastructure, storage, legal expertise, tax expertise,
notaries and auditors, who promote the bank and its financial services and
products to customers and other prospective buyers
* Other Third Parties 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)
* Government Agencies as required by laws and regulations
USE OF PERSONAL INFORMATION
In the past 12 months, we have used Personal Information relating to California
residents to operate, manage, and maintain our business, to provide our products
and services, and to accomplish our business purposes and objectives, 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, providing analytic services, or providing
similar services.
* Detecting security incidents, protecting against malicious, deceptive,
fraudulent, or illegal activity, and prosecuting those responsible for that
activity.
* Short-term, transient use where the information is not disclosed to a third
party and is not used to build a profile or otherwise alter an individual
consumer’s experience outside the current interaction, including, but not
limited to, the contextual customization of ads shown as part of the same
interaction.
* Auditing related to a current interaction and concurrent transactions,
including, but not limited 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 the service
controlled by the business.
* Debugging to identify and repair errors that impair existing intended
functionality.
* Undertaking internal research for technological development and
demonstration.
* 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)
SALE OF PERSONAL INFORMATION
In the past 12 months, we have not “sold” Personal Information subject to the
CCPA, including Personal Information of minors under the age of 16. For purposes
of this Notice, “sold” means the disclosure of Personal Information to a
third-party for monetary or other valuable consideration.
RIGHTS UNDER THE CCPA
If you are a California resident, you have the right to:
(1) 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 was 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;
(2) Request we delete Personal Information we collected from you, unless the
CCPA recognizes an exception; and
(3) Be free from unlawful discrimination for exercising your rights under the
CCPA
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 consumer 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, 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 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 Service Inquiries
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.
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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.
Here's how it works: We gather information about your online activities, such
as the searches you conduct on our Sites and the pages you visit. This
information may be used to deliver advertising on our Sites and offline (for
example, by phone, email and direct mail) that's customized to meet specific
interests you may have.
If you prefer that we do not use this information, you may opt out of online
behavioral advertising. If you opt out, though, you may still receive generic
advertising. In addition, financial advisors/Client Managers may continue to
use information collected online to provide product and service information
in accordance with account agreements.
Also, if you opt out of online behavioral advertising, you may still see ads
when you log in to your account, for example through Online Banking or
MyMerrill. These ads are based on your specific account relationships with
us.
To learn more about relationship-based ads, online behavioral advertising and
our privacy practices, please review Bank of America Online Privacy Notice
and our Online Privacy FAQs.
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