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MERRILL PRIVACY & SECURITY

 

Today, safeguarding one's personal and financial information is increasingly
challenging. That's why we make it a priority and provide you with access to the
information you need to protect yourself and to help keep your information
secure.


 


PRIVACY INFORMATION

U.S. Online Privacy Notice

This Notice describes how Sites may collect, use and share information from or
about you and explains how information may be collected and used based on online
interactions with our advertisements that appear on the Sites and third-party
websites.

 EnglishLink opens a PDF file  EspañolLink opens a PDF file


U.S. Consumer Privacy Notice

The Bank of America U.S. Consumer Privacy Notice explains our privacy commitment
and practices. It identifies the personal information that we collect and hold,
and describes how we use, share and secure it.

 EnglishLink opens a PDF file  EspañolLink opens a PDF file


California Consumer Privacy Act Notice View & Personal Information Request Form
View

This California Consumer Privacy Act Notice explains how Bank of America and its
affiliates (collectively, the "Company," "we," or "us") collect[s], use[s], and
disclose[s] personal information relating to California residents, and is
provided pursuant to the California Consumer Privacy Act of 2018 ("CCPA").

 

Please note, for participants who have an employer based plan (401(k), equity,
nonqualified deferred compensation, defined benefit, and health benefit
solutions) should submit their requests directly through their Retirement
Benefits Contact Center phone number or using the Personal Information Request
Form View.

 EnglishLink opens a PDF file  EspañolLink opens a PDF file


Privacy Notice For Clients Of Merrill Lynch Bank And Trust Company (Cayman)
Limited

This Privacy Notice applies to current and former individual clients or
individuals seeking relationships with Merrill Lynch Bank and Trust Company
(Cayman) Limited, and includes information about how Merrill Lynch Bank and
Trust Company (Cayman) Limited / Bank of America Corporation will use, disclose
and process client information and what actions you can take.

 EnglishLink opens a PDF file  


Cookie Guide:


The use of cookies and similar technologies is a common Internet practice. We
have developed a Cookie Guide to provide very general information on cookies and
similar technologies.

 EnglishLink opens a PDF file  


 


 


SECURITY INFORMATION

Knowledge is a powerful defense against fraud and we’re here to help you stay
informed. Here are resources we think you may find helpful and may want to
explore.

 

 * How Merrill Lynch Protects Your Personal Information
 * Fraud Prevention Checklist
 * How to Avoid Scams
 * Protect Yourself Against ID Theft
 * How to Report Identity Theft and Fraud

 

Contact our security and fraud department:
If you suspect you’re a victim of fraud, contact us immediately at 1.800.MERRILL
(637.7455) or speak to your financial advisor.

 

Fraud prevention tip: Do not provide access codes, personal and financial
information via email, text or to unsolicited callers. We will never call you to
ask you for this information.

 

If you receive a suspicious call, text or email from someone claiming to be from
Merrill or Bank of America, do not respond and do not click links or
open/download attachments. Instead, send it to abuse@bankofamerica.com and
delete it.

 

Forward Suspicious Email to Us Link opens in a Email popup


 


U.S. ONLINE PRIVACY NOTICE


(Last Updated August 7, 2020)

Your privacy is important to us. We conduct regular assessment reviews 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, mobile applications and social sites (“Sites and Mobile Apps”).

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 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 the Sites and Mobile Apps, you agree to the terms and conditions of
this Notice. Bank of America provides other online interfaces. If you visit or
access your accounts from one of these sites or mobile apps, please review the
online privacy practices of that site or mobile app to understand how your
online personal information may be collected, used and shared.

 

Updates to this NoticeThis Notice is subject to change. Please review it
periodically. 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 service 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 directed 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


HOW DO WE COLLECT PERSONAL INFORMATION ONLINE?

We collect personal information about you through your computer, smartphone,
tablet or other mobile device by the use of cookies and similar tracking
technologies (see our Cookies and Tracking Technologies Guide 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;
 * Complete a survey, contest or sweepstakes or other promotion; or,
 * 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 service providers and vendors to process personal information for
business purposes on our behalf. Service providers and vendors 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 Passcode and security
   questions and answers.
 * Information from your computer, smartphone, tablet or other mobile device,
   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
     page visited or links clicked).
   * Responses to advertisements on the 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.
   * Geo-location information with consent, for example ATM or financial center
     location, fraud prevention).
   * Social media preference.


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 overall 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, relevant 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.

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.

 

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 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.

 


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
 * Service Providers, Vendors and 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 service providers, vendors and 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 set your Privacy Choices online.


ONLINE BEHAVIORAL ADVERTISING


WHAT IS 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 banner ads and splash ads that appear as
   your 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 certain 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 state 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.

There is no standard for how “do not track” consumer browser settings should
work for online advertising purposes. As such, we do not respond to browser “do
not track” signals from browser settings. However, there are several opt out
options available to you:

 * 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. 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 powered by the Digital
   Advertising Alliance or through the Network Advertising Initiative’s Opt Out
   Tool. You may also visit the individual sites for additional information on
   their data and privacy practices and opt out-options.


REMINDER

Please note that if you opt out of this advertising:

 * You may still receive untailored advertising from Bank of America.
 * When accessing online account servicing areas (i.e. after sign-in), 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.
 * 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.


ADDITIONAL INFORMATION


AGGREGATION SERVICES

Some companies may offer aggregation websites and services that allow you 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
(a “Provider”). To do this, a Provider may request you to authorize access to
your Bank of America accounts by providing your Bank of America username and
passcode or by providing your information-sharing consent directly to Bank of
America through your Online Banking account.

 * The Provider 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 Provider 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 personal information by the Provider 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 username and
   passcode.
 * If you share your Bank of America username and passcode 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 Provider, we
   strongly recommend that you change your Bank of America passcode to ensure
   that the Provider cannot continue to access your account.
 * You may revoke your consent for certain Providers 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 certain non-affiliated third party widgets (for example social
share buttons) on our sites that enable users to easily share information on
another platform, such as a social media platform. 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.


SHARE:

 * email
 * facebook
 * twitter
 * linkedin


 


RELATED INFORMATION:

 * Anti-Money-Laundering
 * Business Continuity Statement
 * Social Security Number Policy
 * Update Your Privacy Choices


INFORMATION FOR:

Corporations & Institutions Job Seekers Media & Journalists Shareholders


DISCOVER MERRILL:

About Us Working With Us Our Solutions Research & Insights Merrill Social Media
Form CRS & Other Resources


GET IN TOUCH:

Contact Us

CONNECT WITH ML®:

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 1. ML® Site Map

 2. Privacy & Security

 3. Web Accessibility

 4. Legal Information

 5. MLPF&S Financial

 6. Brokercheck

 7. Advertising Practices



Investing involves risk. There is always the potential of losing money when you
invest in securities.


Asset allocation, diversification and rebalancing do not ensure a profit or
protect against loss in declining markets.

Merrill, its affiliates, and financial advisors do not provide legal, tax, or
accounting advice. You should consult your legal and/or tax advisors before
making any financial decisions.

This material is not intended as a recommendation, offer or solicitation for the
purchase or sale of any security or investment strategy. Merrill offers a broad
range of brokerage, investment advisory (including financial planning) and other
services. Additional information is available in our Client Relationship
Summary.  

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S”
or “Merrill”) makes available certain investment products sponsored, managed,
distributed or provided by companies that are affiliates of Bank of America
Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, registered
investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp.


Insurance and annuity products are offered through Merrill Lynch Life Agency
Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America
Corporation.


Trust and fiduciary services are provided by Bank of America Private Bank, a
division of Bank of America, N.A., Member FDIC, or U.S. Trust Company of
Delaware. Both are wholly-owned subsidiaries of Bank of America Corporation.

Banking products are provided by Bank of America, N.A. and affiliated banks,
Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Investment, insurance and annuity products:


Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are
Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking
Service or Activity



© 2021 Bank of America Corporation. All rights reserved.
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