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PRIVACY POLICY


PRIVACY PRINCIPLES

Your privacy is important to us. This Online Privacy Policy explains what and
how we collect, share, use, and protect your personal information when you visit
or use this and other online services offered by the JPMorgan Chase & Co. family
of companies (“J.P. Morgan”) that link to or reference this Policy
(collectively, our “online services”). Contact details are provided below. Other
privacy principles or policies could apply depending on how you interact with
us, the financial products or services you may ultimately obtain from us, or the
jurisdiction in which we are doing business with you. For example, if you are a
California resident, you may have rights under the California Consumer Privacy
Act as described in our CCPA disclosure. You can access many of these policies
using the links at the bottom of this page.


 * WE WORK HARD TO PROTECT YOUR INFORMATION.
   
   We take our responsibility to protect the privacy and confidentiality of your
   information, including personal information, very seriously. We maintain
   physical, electronic and procedural safeguards that comply with applicable
   legal standards to secure such information from unauthorized access and use,
   accidental or unlawful alteration and destruction, and other unlawful or
   unauthorized forms of Processing. We hold our employees accountable for
   complying with relevant policies, procedures, rules and regulations
   concerning the privacy and confidentiality of information.
   
    


 * WE WANT YOU TO UNDERSTAND THE TYPE OF INFORMATION WE COLLECT AND HOW WE USE
   IT.
   
   * The types of personal information we collect from you when you visit or use
     our online services include your name, email address, mailing address,
     telephone number(s), account numbers, limited location information (for
     example, a zip code to help you find a J.P. Morgan office near you), user
     name and password. We may also collect payment card information, Social
     Security numbers, driver’s license numbers (or comparable), gender, race,
     nationality, and biometric identifiers when you provide it directly to us
     while using our online services and where we believe it is reasonably
     required for ordinary business purposes. In some instances, we create
     personal information about you, such as records of your interactions with
     us, and details of your accounts. We do not seek to collect or process
     sensitive personal information unless it is required or permitted by law;
     necessary for the detection or prevention of crime; necessary to establish,
     exercise or defend legal rights; or we have your prior explicit consent.
   * In addition to the personal information described above, we collect certain
     information about your use of our online services. For example, we capture
     the IP address of the device you use to connect to the online service, the
     type of operating system and browser you use, and information about the
     site you came from, the parts of our online service you access, and the
     site you visit next. As explained in more detail in our Cookies Policy, we
     and our third-party partners use cookies (as well as web beacons or other
     technologies) to collect and store this and other information about your
     visit to, or use of, our online services. We may later associate the usage
     and other information we collect online with personal information about
     you, as permitted or required by law.
   * We sometimes collect information about you from additional online and
     offline sources including social media (to the extent you choose to make
     your personal information public) and commercially available third-party
     sources, such as credit reporting agencies. We may combine this information
     with the personal and other information we have collected about you under
     this Online Privacy Policy.
   * Where we are required to establish a legal basis to process your personal
     information as described in this Online Privacy Policy, we will do so on
     the basis that we have obtained your prior express consent to the
     processing; we have a legitimate business interest in the processing that
     is not overridden by your interests, fundamental rights, or freedoms; or
     the processing is needed to comply with applicable law, to perform under
     your contract(s) with us, or to protect the vital interests of any
     individual.
   * We use and otherwise process the information we collect from you to help us
     deliver our online services; to administer, evaluate and improve our
     business (including developing new products and services, improving
     existing products and services, performing data analytics and other
     research tasks, communicating with you via any means, and performing
     accounting, auditing and other internal functions); manage our risks; to
     market our services and products; and to comply with and enforce applicable
     laws and regulations, relevant industry standards, contractual obligations
     and our policies. We also use data that we collect on an aggregate or
     anonymous basis (such that it does not identify any individuals or clients)
     for various business purposes, where permissible under applicable laws and
     regulations.
   
    


 * WE AIM TO COLLECT ONLY WHAT WE NEED, KEEP IT UP-TO-DATE AND REMOVE IT WHEN WE
   NO LONGER NEED IT.
   
   * We take reasonable steps to ensure that the personal information we process
     is limited to what we require in connection with the purposes set out in
     this Policy; it is accurate and, where necessary, kept up to date; and it
     is erased or rectified without delay if it is inaccurate. From time to time
     we may ask you to confirm the accuracy of your personal information.
   * For some of our online services, you can review or update certain account
     information by logging in and accessing the “Client Center” or a similar
     user profile section. If you cannot change the incorrect information
     online, or you prefer to request changes offline, please contact your J.P.
     Morgan representative using the contact information listed on your account
     statements, records, or other account materials.
   * We will retain copies in a form that permits identification for as long as
     we deem necessary in connection with the purposes set out in this Policy,
     unless applicable law requires a longer retention period. In particular, we
     will retain personal information for as long as it is needed to establish,
     exercise or defend any legal rights.
   
    


 * WE RESPECT AND PROTECT YOUR PRIVACY EVEN WHEN YOU’RE ON THE GO.
   
   * For your convenience, J.P. Morgan offers you the ability to access some of
     our products and services through mobile applications and mobile-optimized
     websites. When you interact with us through your mobile device, we collect
     information such as unique device identifiers, your screen resolution and
     other device settings, information about your location, and analytical
     information about how you use your mobile device. We typically ask your
     permission before collecting certain information such as precise
     geolocation information.
   
    


 * WE SHARE PERSONAL INFORMATION WITH AFFILIATES AND WITH OTHERS WHEN WE BELIEVE
   IT WILL ENHANCE THE SERVICES AND PRODUCTS WE CAN PROVIDE TO YOU OR FOR LEGAL
   AND ROUTINE BUSINESS REASONS.
   
   * We share personal information among our affiliates and business units when
     we believe it will enhance the services we can provide, but only in
     circumstances where such sharing conforms to law, any applicable
     confidentiality agreements, and our policies and practices. Additionally,
     we reserve the right to share your personal information in connection with
     a corporate change including a merger, acquisition or sale of all or any
     relevant portion of our business or assets.
   * We disclose information we have about you as required or permitted by law.
     For example, we share information with regulatory authorities and law
     enforcement officials when we believe in good faith that such disclosure is
     necessary to comply with legal requirements.
   * We share information with third parties where appropriate to protect
     against fraud or verify or enforce our terms of use, our other rights, or
     other applicable policies.
   * From time to time, we enter into agreements with other companies to provide
     services to us, or to make services and products available to you. If these
     companies receive your personal information, they are required to safeguard
     it and only use it for those purposes we specify.
   * J.P. Morgan believes that keeping your information secure and private is
     important, particularly when using third-party websites and applications
     that can help you invest or manage your finances. In partnering with
     Intuit, which provides the aggregation service Mint, J.P. Morgan has taken
     measures to keep your logon information secure and private. When you are
     prompted to provide your J.P. Morgan user ID and password to Mint, you will
     be entering your information directly into a J.P. Morgan protected site.
     Mint will not see or be able to store your user ID and password, and will
     only require a single logon for all of your devices and browsers to work.
   * We can share your personal information with any person or entity if we have
     your consent to do so.
   
    


 * WE TRANSMIT, TRANSFER OR PROCESS INFORMATION TO, OR THROUGH, OTHER COUNTRIES
   IN THE WORLD, AS WE DEEM NECESSARY, APPROPRIATE OR CONSISTENT WITH LEGAL OR
   REGULATORY OBLIGATIONS.
   
   * As a global company, we strive to provide you with access to the highest
     quality financial products and services wherever you are. To do this, we
     sometimes share your personal information among members of the JPMorgan
     Chase & Co. family of companies or service providers and other third
     parties that are located outside your home country. These countries may
     have different laws and data protection compliance requirements, with some
     providing more protection than others. J.P. Morgan will take appropriate
     steps to ensure your personal information is handled as described in this
     Online Privacy Policy.
   * Where required, we comply with applicable legal frameworks relating to the
     transfer of personal information. For example, under the European rules
     designed to adequately protect personal information transferred outside the
     European Economic Area we transfer personal information on the basis of
     determinations by the European Commission that certain countries adequately
     protect personal information, our Binding Corporate Rules, approved Model
     Contractual Clauses, and other valid transfer mechanisms.
   
    


 * WE RESPECT YOUR RIGHTS CONCERNING THE PROCESSING OF PERSONAL INFORMATION AND
   PROVIDE YOU WITH RELEVANT AND APPROPRIATE CHOICES.
   
   * Depending on how and where you interact with us, you may have a right to
     one or more of the following with respect to your personal information we
     process or control:
     * request access to, or copies of, your personal information, together with
       details about how we process it;
     * request rectification of any inaccuracies;
     * request erasure or restriction of Processing;
     * object to processing by us or on our behalf;
     * have personal information transferred to another party;
     * withdraw consent to processing; and
     * lodge complaints with a data protection authority regarding any
       processing by us or on our behalf.
     To exercise one or more of these rights or to ask a question about them,
     please use the contact details provided below.
   * In addition to the rights you have under applicable data protection laws,
     we may give you choices regarding the sharing of personal information with
     affiliates and third parties based on your relationship(s) with us as a
     financial institution. Choices you have about the sharing of your personal
     information will be described in the privacy policies or notices you
     receive from us, such as those provided in connection with particular
     financial products or services you obtain from us.
   
    


 * WE RESPECT YOUR DECISIONS ABOUT THE COLLECTION OF PERSONAL INFORMATION
   RELATED TO YOUR ONLINE ACTIVITIES OVER TIME AND ACROSS DIFFERENT WEBSITES FOR
   ADVERTISING PURPOSES.
   
   * J.P. Morgan does not allow unaffiliated third parties to collect personal
     information about your online activities when you visit our online
     services. Nor do we use personal information collected across
     non-affiliated websites for the purpose of serving you advertising related
     to your browsing behavior. If we engage in this practice in the future, we
     will provide appropriate notice and choice so that you can opt-out of the
     practice.
   
    


 * WE TELL YOU WHEN OUR PRIVACY POLICIES AND PRACTICES CHANGE.
   
   * We may change this Online Privacy Policy from time to time. When we do, we
     will let you know by appropriate means such as by posting the revised text
     on this page with a new “Last Updated” date. All changes will become
     effective when posted unless indicated otherwise. We encourage you to
     regularly check this page to review any changes we might make.
   
    


 * WE WANT TO HEAR FROM YOU IF YOU HAVE QUESTIONS.
   
   * If you have any comments, questions or concerns about any of the
     information in this Online Privacy Policy, or any other issues relating to
     the processing of your personal information by J.P. Morgan under this
     Policy, please contact your regular J.P. Morgan client service contact, or:
     
     Global Privacy Office, JPMorgan Chase & Co.
     245 Park Avenue, New York, NY 10017
     email: jpmc.cpo@jpmchase.com
   * If you would like to contact the J.P. Morgan Data Protection Officer,
     please send an email to EMEA.Privacy.Office@jpmchase.com.

 

Last updated: May 21, 2018

 


RELATED LINKS

 * J.P. Morgan Brazil General Data Protection Law Privacy Policy for Corporate &
   Investment Bank, Commercial Banking and Asset Management
 * J.P. Morgan Brazil General Data Protection Law Privacy Notice for Private
   Bank 
 * California Consumer Privacy Act
 * J.P. Morgan Private Bank Privacy Notice for U.S. Clients
 * Cayman Islands Data Protection Law Privacy Notice for Asset Management
   Clients
 * Cayman Islands Data Protection Law Privacy Notice for Wealth Management
   Clients
 * J.P. Morgan Privacy Statement for Merchant Services
 * J.P. Morgan EMEA Privacy Policy for Asset Management
 * J.P. Morgan EMEA Privacy Notice for Private Bank
 * J.P. Morgan Securities Privacy Notice for U.S. Clients
 * J.P. Morgan APAC Privacy Notice for Private Bank
 * J.P. Morgan EMEA Privacy Policy for Corporate & Investment Bank and
   Commercial Bank

 


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