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 * Privacy and Security Glossary


PRIVACY NOTICES AND CHOICES


OUR PRIVACY POLICIES ARE DESIGNED TO PROTECT YOU—AND GIVE YOU CONTROL


OUR PRIVACY POLICIES ARE DESIGNED TO PROTECT YOU—AND GIVE YOU CONTROL

Review our Online Privacy Notice


OPT-OUT OF ONLINE BEHAVIORAL ADVERTISING


YOU HAVE SUCCESSFULLY OPTED OUT OF ONLINE BEHAVIORAL ADVERTISING

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

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

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

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

If you delete cookies, buy a new device, access our Site from a different
device, log in under a different screen name or change web browsers, you will
need to opt-out again.

If your browser has scripting disabled, you do not need to opt-out, as online
behavioral advertising technology does not work when scripting is disabled.
Please check your browser's security settings to validate whether scripting is
active or disabled.

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

Submit Cancel

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




REVIEW OTHER PRIVACY NOTICES

U.S. Consumer Privacy Notice

Children's Privacy Policy

California Consumer Privacy Notice

Data protection notices for employees,
contractors and applicants

Switzerland Resident Privacy Notice

U.S. Consumer Privacy Notice

Children's Privacy Policy

California Consumer Privacy Notice

Data protection notices for employees,
contractors and applicants

Switzerland Resident Privacy Notice




MANAGE YOUR PRIVACY OPTIONS

Control how we can share your data and
market to you

Opt-out of ads based on your online activity

See how to receive promotional emails

Control how we can share your data and
market to you

Opt-out of ads based on your online activity

See how to receive promotional emails




OTHER IMPORTANT INFORMATION

How we keep your Social Security number safe (PDF)

Cookie Policy (PDF)

Visit the Security Center for ways to protect your info

How we keep your Social Security number safe (PDF)

Cookie Policy (PDF)

Visit the Security Center for ways to protect your info


BANK OF AMERICA U.S.
ONLINE PRIVACY NOTICE

(Last updated March 1, 2024)


BANK OF AMERICA U.S. ONLINE PRIVACY NOTICE

(Last updated March 1, 2024)


BANK OF AMERICA U.S. ONLINE PRIVACY NOTICE

(Last updated March 1, 2024)

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


THIS NOTICE EXPLAINS

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

The term "Bank of America" or "we", "us" or "our" in this Notice refers to
banking and non-banking U.S. affiliates or subsidiaries of Bank of America
Corporation that link to or reference this Notice.

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

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


UPDATES TO THIS NOTICE

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

Download our U.S. Online Privacy Notice in English (PDF)
Download our U.S. Online Privacy Notice in Spanish (PDF)

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Our Online Privacy Practices

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

LINKING TO OTHER SITES

We may provide links to non-affiliated third-party sites, such as credit
bureaus, service providers or merchants. If you follow links to sites not
affiliated with, or controlled by Bank of America, you should review their
privacy and security policies and other terms and conditions, as they may be
different from those of our Sites and Mobile Apps. Bank of America does not
guarantee and is not responsible for the privacy or security of these sites,
including the accuracy, completeness or reliability of their information.

PROTECTING YOUR PERSONAL INFORMATION

To protect personal information from unauthorized access and use, we use
security measures that comply with applicable federal and state laws. These
measures may include device safeguards and secured files and buildings as well
as oversight of our third-party providers to ensure personal information remains
confidential and secure. In the event of a data breach, we provide timely
notification, in accordance with applicable laws and regulations.

We 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.
Accounts that include online access for children under the age of 13 are owned
by a parent or guardian and require specific consent for online access. We do
not knowingly collect personal information from children under 13 without prior
parental consent. Read our Children's Privacy Policy for more information.

MAKING SURE PERSONAL INFORMATION IS ACCURATE

Keeping your personal information accurate and up to date is very important. If
your personal information is incomplete, inaccurate or not current, please use
the Contact Us option on our Sites and Mobile Apps, or call or write to us at
the telephone numbers or appropriate address for changes listed on your account
statements, records, online or other account materials. You can also speak to a
customer representative at a financial center, your Financial Advisor or account
representative.

Personal Information We Collect Online

HOW DO WE COLLECT PERSONAL INFORMATION ONLINE?

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

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

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

We also may obtain personal information from a sponsor for individuals onboarded
via a Commercial Prepaid card program with us. If we combine such personal
information with information collected through the Mobile Services, we will
treat the combined information as personal information in accordance with this
Notice.

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

TYPES OF PERSONAL INFORMATION WE COLLECT ONLINE

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

 * Contact Information such as name, mailing address, email address, telephone
   and mobile number(s).
 * Account Application information such as credit and income information.
 * Identifiers such as Social Security number, account number(s), driver's
   license number (or comparable) or other information that identifies you for
   ordinary business purposes.
 * Access Authorization such as user ID, alias, PIN and password and security
   questions and answers.
 * Documents or images submitted via our Site or Mobile Apps to support account
   opening, such as statements and voided checks.
 * Debit/Credit Card Information such as card number, expiration date, CVV2,
   billing address.
 * Information from your computer and mobile devices where allowed by individual
   browsers and/or operating systems, such as:
    * Unique device identifiers (for example Media Access Control (MAC) and
      Internet Protocol (IP) addresses)
    * Browser type, version, language, and display/screen settings
    * Information about how you use and interact with our Sites and Mobile Apps
      (for example, activities on pages visited, links clicked or unique and
      measurable patterns such as keystrokes, mouse clicks and movements, swipes
      and gestures)
    * Communications data, such as your communication preferences and details or
      the content of your communications with us (e.g., text messages, chat
      messages)
    * Responses to advertisements on sites and mobile apps where we advertise
    * Log information such as your search and voice to text queries in the
      mobile app
    * Search engine referrals
    * Geolocation information (for example, for real time ATM or financial
      center location, upon request, or for fraud prevention)
    * Social media preference

 * Information to facilitate virtual or in-person event management (for example,
   attendee names, dietary requirements, special assistance needs, and travel
   details for participants).

How We Use and Share Personal Information

HOW DO WE USE YOUR PERSONAL INFORMATION?

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

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

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

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

INDIVIDUAL HEALTH AND/OR SENSITIVE INFORMATION

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

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

WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

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

 * Affiliates and Subsidiaries of Bank of America, such as Merrill.
 * Third-Party Providers who have contracts with Bank of America.
 * Government Agencies as required by laws and regulations.

AGGREGATED / DE-IDENTIFIED INFORMATION

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

HOW TO LIMIT SHARING

You have choices regarding the sharing of some personal information. Where
appropriate, we will limit sharing of your personal information based on your
marketing and information sharing choices. You can register your choices online
at Control How We Can Share Your Data and Market To You.

Online Behavioral Advertising

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

We present tailored ads to you:

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

HOW WE TAILOR ADS TO YOU

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

HOW YOU CAN OPT OUT OF ONLINE BEHAVIORAL ADVERTISING

 * Advertising on Non-Affiliated Third-Party sites: Bank of America participates
   in the Digital Advertising Alliance ("DAA") self-regulatory Principles for
   Online Behavioral Advertising and uses the Advertising Options Icon on our
   behavioral ads on non-affiliated third-party sites (excluding ads appearing
   on platforms that do not accept the icon). Ads served on our behalf by these
   companies do not contain unencrypted personal information and we limit the
   use of personal information by companies that serve our ads. To learn more
   about ad choices, or to opt out of interest-based advertising with
   non-affiliated third-party sites, visit YourAdChoices layer powered by the
   Digital Advertising Alliance or through the Network Advertising Initiative's
   Opt-Out Tool layer. You may also visit the individual sites for additional
   information on their data and privacy practices and opt-out options.

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

REMINDER

Please note that if you opt out of this advertising:

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

Additional Information

THIRD-PARTY DATA SHARING

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

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

SOCIAL MEDIA

Bank of America engages with customers on social media platforms such as
Facebook®, X®, 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.

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 * Share Your Feedback
 * Your Privacy Choices


   ADVERTISING PRACTICES
   
   We strive to provide you with information about products and services you
   might find interesting and useful. Relationship-based ads and online
   behavioral advertising help us do that.
   
   Bank of America participates in the Digital Advertising Alliance ("DAA")
   self-regulatory Principles for Online Behavioral Advertising and uses the
   Advertising Options Icon on our behavioral ads on non-affiliated third-party
   sites (excluding ads appearing on platforms that do not accept the icon). Ads
   served on our behalf by these companies do not contain unencrypted personal
   information and we limit the use of personal information by companies that
   serve our ads. To learn more about ad choices, or to opt out of
   interest-based advertising with non-affiliated third-party sites, visit
   YourAdChoices layer powered by the DAA or through the Network Advertising
   Initiative's Opt-Out Tool layer. You may also visit the individual sites for
   additional information on their data and privacy practices and opt-out
   options.
   
   To learn more about relationship-based ads, online behavioral advertising and
   our privacy practices, please review the Bank of America Online Privacy
   Notice and our Online Privacy FAQs.

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© 2024 Bank of America Corporation. All Rights Reserved.

Patent: patents.bankofamerica.com


YOUR PRIVACY CHOICES




 * YOUR PRIVACY CHOICES


 * OPT-OUT PREFERENCE SIGNALS

YOUR PRIVACY CHOICES

This feature allows you to manage your privacy choices. By selecting a category,
you can learn about your choices and make changes. Selections you make will
update your default settings. Where possible, we will provide you with a single
privacy profile and store settings across our brands. Occasionally there are
legal or technical limitations, where you have multiple user names or accounts,
that may prevent this from occurring. You should check your settings for
accuracy based on your relationship with us.
Local Privacy Notices and Requirements
The Privacy Choices displayed are specific to your local privacy requirements
and our privacy notices. For more information about how we protect your privacy,
including specific rights that may apply, please visit the Institutional Privacy
and the Consumer Privacy pages.
Marketing Preferences
To manage your general marketing preferences, please visit the “Control how we
can share your data and market to you” form on our Privacy Page.
California Residents
To learn more about your privacy rights as a California resident, please see our
California Consumer Privacy Act Notice. To exercise your CCPA consumer rights,
please visit our CA Personal Information Request form.

OPT-OUT PREFERENCE SIGNALS

Opt-Out Preference Signals


An “opt-out preference signal,” such as the Global Privacy Control, is a signal
sent by your browser, device, or other platform that communicates your choice
for sharing personal information. Bank of America honors any opt-out preference
signal that meets legal requirements as a valid request to opt out of sharing
personal information for cross-context behavioral advertising.  
If we receive an opt-out preference signal from your device, we will honor it
and update your settings. At any time, you may manually adjust the toggle to
update your preferences.
• A toggle to the left indicates that you have opted-out and prefer to prohibit
our sharing of your personal information
• A toggle to the right indicates your preference to opt-in and allow us to
share your personal information
• Any manual adjustment or updated opt-out preference signal will override
previous settings

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