Privacy & Security

This U.S. Online Privacy Notice applies to this Credit online Bank interface and any Bank of America U.S. affiliate or subsidiary online interface that links to this Notice, (each, a Site, and, collectively, Sites).  The term « Bank of America » or « we » or « us » or « our » in this Notice refers to banking and non-banking U.S. affiliates or subsidiaries of Credit Online Bank Corporation that link to this 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 for advertising purposes.

Credit Online Bank provides other online interfaces not covered by this Notice. If you visit or access your accounts from one of these sites, please review the online privacy practices of that site to understand how your online information may be collected, used and shared.

For visitors to this Site, we will use and share any information that we collect on this site from or about you in accordance with the Credit Online Bank U.S. Consumer Privacy Notice.

Additional information on our Privacy & Security practices may be found on our Sites and within Frequently Asked Questions (FAQs). Although the additional information is provided as a resource, the terms and conditions of this Notice control, and by using the Site, you agree to the terms and conditions of this Notice.

Collecting and Using Information

Personal Information means personally identifiable information such as information you provide via forms, surveys, applications or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, or account numbers.

How We Use Personal Information

We may use Personal Information:

to respond to your inquiries and fulfill your requests;

to inform you about important information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information;

to deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you;

 to personalize your experience on the Site;

to allow you to apply for products or services (e.g., to prequalify for a mortgage, apply for a credit card, or to open a retirement account, investment account or other financial product) and evaluate your eligibility for such products or services;

to verify your identity and/or location (or the identity or location of your representative or agent) in order to allow access to your accounts, conduct online transactions and to maintain measuresaimed at preventing fraud and protecting the security of account and Personal Information;

to allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions and to administer these activities. Some of these activities have additional rules, which may contain additional information about how Personal Information is used and shared;

to allow you to use some Site financial planning tools. Information that you enter into one of these planning tools may be stored for future access and use. You have the option not to save the information;

collected through aggregation services such as My Portfolio® and My Financial Picture® in order to consolidate your financial account information at one online location; understand what product or service may be of interest to you; and present you with offers;

collected through our social media pages and other online interactions with you to assist in verifying your identity and account status. We may combine this online information with information collected from offline sources or information we already have;

for business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns;

for risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements;

to allow you to utilize features within our Sites by granting us access to information from your device such as contact lists, or geo-location when you request certain services.