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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 Bank of America U.S. Online Privacy 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

This 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  


Switzerland Privacy Notice


The Switzerland Resident Privacy Notice provides an overview of how MLPF&S will
comply with the requirements of the Switzerland Federal Act on Data Protection.

 

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 scams - we’re here to help you
stay informed. Learn more about how Merrill protects your personal information,
and discover additional security resources to explore by visiting our Security
Center.

 

Visit Merrill’s Security Center today for tips and tools on how to increase your
security and help stay protected against fraud and scams.

 

Remember: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

 

Report Fraud:

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

 

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 January 31, 2023)

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

This Notice explains

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

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

 

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

 

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

 

Updates to this Notice

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


OUR ONLINE PRIVACY PRACTICES

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

 


LINKING TO OTHER SITES

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

 


PROTECTING YOUR PERSONAL INFORMATION

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

 

We also recognize the importance of protecting privacy where children are
involved. Our Sites and Mobile Apps are not marketed to individuals under the
age of 13, and we request that these individuals do not provide personal
information through our Sites and Mobile Apps. We do not knowingly collect
personal information from children under 13.

 


MAKING SURE PERSONAL INFORMATION IS ACCURATE

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


PERSONAL INFORMATION WE COLLECT ONLINE


HOW DO WE COLLECT PERSONAL INFORMATION ONLINE?

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

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

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

 

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
 * 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
   * Geo-location information with consent (for example ATM or financial center
     location, fraud prevention)
   * Social media preference
   * 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; 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 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. 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 DAA 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.

 

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 parties’
   policies before sharing your personal information to understand how they will
   use and store your account information. For example, look for whether they
   sell any of your personal information, and if your information will be
   transferred, processed, or stored outside of the United States.
 * We are not responsible for the use or disclosure of any personal information
   accessed by any company or person to whom you provide your site user ID and
   password.
 * If you share your Bank of America user ID, password or other information
   about your accounts with others, we will consider that you have authorized
   any transaction or action initiated by using the access information you
   provide.
 * If you decide to revoke the authority you have given to a third party, we
   strongly recommend that you change your Bank of America password to ensure
   that the third party cannot continue to access your account.
 * You may revoke your consent for certain third parties through the Security
   Center within Bank of America Online Banking.


SOCIAL MEDIA

Bank of America engages with customers on social media platforms such as
Facebook®, Twitter®, YouTube® and LinkedIn®.

 * Any content you post on official Bank of America managed social media pages,
   such as pictures, information, opinions or any personal information that you
   make available to other participants on these social platforms, is subject to
   the Terms of Use and Privacy Policies of those respective platforms.
 * When interacting with official Bank of America social media pages, Bank of
   America’s privacy notices, Social Media User Terms and Community Guidelines
   may apply.
 * Please review the privacy policy for the specific social media service you
   are using to better understand your rights and obligations with regard to
   such content.

We may allow social share buttons on our sites that enable users to easily share
information on social media platforms. The non-affiliated third parties that own
these widgets may have access to information about your browsing on pages of our
Sites and Mobile Apps where these widgets are placed.



SHARE:

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 * facebook
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 * 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 Why Merrill Our services Articles Merrill Social Media Form CRS & Other
Resources


GET IN TOUCH:

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 * Privacy

 * Security

 * Web Accessibility

 * Legal Information

 * MLPF&S Financial

 * Advertising Practices

 * Brokercheck

 * CA Opt-Out Preference Signals Honored



Investing involves risk. There is always the potential of losing money when you
invest in securities. Past performance does not guarantee future results. Asset
allocation, rebalancing and diversification do not guarantee against risk in
broadly 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. 

This material does not take into account a client’s particular investment
objectives, financial situations, or needs and 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. There are important
differences between brokerage and investment advisory services, including the
type of advice and assistance provided, the fees charged, and the rights and
obligations of the parties. It is important to understand the differences,
particularly when determining which service or services to select. For more
information about these services and their differences, speak with your Merrill
financial advisor.

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, fiduciary and investment management services, including assets managed by
the Specialty Asset Management team, are provided by Bank of America, N.A.,
Member FDIC and wholly owned subsidiary of Bank of America Corporation (“BofA
Corp.”), and its agents.

Bank of America Private Bank is a division of Bank of America, N.A.

U.S. Trust Company of Delaware is a wholly owned subsidiary 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



© 2023 Bank of America Corporation. All rights reserved.

Patent: patents.bankofamerica.com

NOMAP-EXP-2024-01-31

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SHARING AND SELLING OF PERSONAL INFORMATION

California residents covered by the California Consumer Privacy Act have the
right to opt-out from the “sale” or “sharing” of their personal information via
browser-enabled opt-out preference signals. While we do not “sell” or “share”
personal information of California residents, Bank of America treats opt-out
preference signals as valid requests to opt-out of sale/sharing for the browser.
For more information, please see our CCPA Notice.
CCPA Notice

Sharing and Selling of Personal Information

SHARING AND SELLING OF PERSONAL INFORMATION



CA Opt-Out Preference Signals Honored

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