The Bank uses and shares its customers’ personal information in accordance with the terms of its Privacy Notice. In addition, each of the entities identified above uses and shares its consumer customers’ personal information in accordance with the terms of its Privacy Notice, which is available on each entity’s website.
Each time you use our Online Services, you are indicating your acknowledgement and consent to the collection, use and disclosure of information about you collected through our Online Services as set forth in this Policy. We may revise this Policy periodically without advance notice. We will let you know of any changes by posting a revised Policy on our website with a new effective date. If you do not accept the terms outlined in this Policy or revised Policy, please do not use our Online Services.
We may collect personal information when you use our Online Services, including when you apply to open an account online, log in to our online or mobile banking services or schedule an appointment. For example, we may collect your name, email address, user ID, password, Social Security Number, and employment and income information.
We may also collect other data about you through your online or mobile activities or through third parties on our behalf. This data may or may not be personally identifiable to you. Data that we may collect includes:
We do not knowingly solicit from, and the Online Services are not intended for, children under 13, and children under 13 should not provide personal information online. If a parent or guardian becomes aware that his or her child under the age of 13 has provided us with information without their consent, he or she should contact us. We will delete such information from our files.
We may use and disclose your personal information that is collected through our Online Services in accordance with applicable law and the applicable consumer customer privacy notice, which uses may include:
We or our service providers may use various tracking tools, such as Cookies, Pixel Tags and Web Beacons, on our websites and advertisements.
Different types of cookies are used for different types of activities. Examples of cookies we may use are:
Session cookies enable the website you are visiting to keep track of your movement from page to page so you do not get asked for the same information you've already given to the site. Session cookies allow you to proceed through many pages of a site quickly and easily without having to authenticate or reprocess each new area you visit. They are not written to hard drive so they are deleted once you log out or close your browser. These cookies do not gather personal information about you that could be used for marketing or remembering where you have been on the Internet.
Persistent cookies help websites remember your information and settings when you visit them in the future, and help us provide you with a more personalized experience when you are using our websites by analyzing which products and services you have used. When you log in to any of our online services, we associate you with a unique internal identifier. The unique identifier allows us to know who you are; however, the cookie will never contain personal information that would identify you to a third party. This unique identifier enables us to monitor your browsing habits on our websites so that we can better understand your needs and communicate with you regarding products and services that may be of interest to you. Persistent cookies are stored on your computer.
In addition to cookies, we may use Flash cookies (also known as “local shared objects”) to improve your website experience by identifying online behaviors and customizing the ads you view to reflect your browsing experience. While Flash cookies are similar to cookies in terms of their operation, they may not be managed or deleted in the same way. They may be stored on your device using a media player or other software installed on your device. Deleting cookies from your browser does not delete Flash cookies. You may learn more about Flash cookies through the Adobe website.
If you do not accept cookies or Flash cookies, you may continue to browse our websites; however, you should be aware that certain features of our websites may not function properly without cookies or Flash cookies. If you would like to use a service such as BMO Harris Online Banking® or BMO Harris Mobile Banking®, you will be required to accept the cookies or Flash cookies to maintain session integrity and enhanced security.
We or our service providers use data collected about you over time across multiple websites or other platforms to present interest-based ads to you. This data may be collected on our websites and platforms, or the websites and platforms of others. This may include information collected on apps. We and our service providers also use this data to help manage and optimize our Online Services and communications to you. Our ads may be for products or services we think are relevant based on your browsing habits or online activities. These ads may be about our products and services, or other companies’ products and services.
We use certain tracking tools (as described above) to collect information about you to serve these ads. These tools track if you have clicked on a BMO Harris ad on a website and identify your activity when you clicked on that ad using cookies and web beacons.
BMO Harris uses third-party advertising networks to distribute our advertisements on other websites and mobile applications where we have paid to advertise. Our ads may also be served in emails. These advertisements may use tracking technologies to capture certain data, such as your IP address, usage information, or your responsiveness to our advertisements. To stop certain online advertising by BMO Harris, please see the “Do Not Track Signals” section below.
Third parties may collect certain information on BMO Harris websites or other sites where BMO Harris advertises. These third parties might link your name or email address to other information they collect from certain third party websites you may visit.
There is no industry standard for how Do Not Track consumer browser settings should operate on commercial websites. As a result, BMO Harris does not respond to “do not track” signals from your browser at this time. If you block or reject cookies, not all of the tracking described here will stop. Options you select are browser and device specific.
However, BMO Harris participates in third party ad network self-regulatory programs for online behavioral advertising, including the Digital Advertising Alliance (DAA) Self-Regulatory Program for Online Behavioral Advertising . The DAA’s Principles are intended to provide consumers with transparency about the collection and use of data for online behavioral advertising and to promote the consumer’s choice in managing its scope. BMO Harris adheres to the DAA’s Principles.
Pursuant to the DAA’s Principles, BMO Harris honors Do Not Track opt-out preferences that you make to participating third party advertising networks that we hire to perform advertising on our behalf. To limit or stop the collection of your online behavior for advertising purposes, you can visit http://www.aboutads.info/choices/ . You can also learn more at http://www.youradchoices.com . You can also click on DoubleClick, http://info.evidon.com/more_info/4311?cps%5b4311%5d=1 , to opt out of that ad program. These opt-outs work by placing a cookie on your browser. If you delete cookies, use a different computer, or change browsers, you will need to opt out again.
For mobile users, you can also download the AppChoices mobile app on your supported Apple or Android mobile device. You can also visit http://www.aboutads.info/appchoices for more information on how to limit advertising while using apps on your mobile device. Additionally, you may be able to limit ad tracking on apps by adjusting the settings on your mobile device.
You may still receive online advertisements from us even if you opt out in any of the ways identified above but they will not be customized based on your choices or behavior. Choices you make are browser and device specific.
Email Communications: If you prefer not to receive email communications from us, you can unsubscribe by clicking the “Unsubscribe” button provided in the promotional emails you receive from us. Please allow up to 10 business days for us to process your request. However, if you unsubscribe, we may still send you transactional email (for example, a notice about an upcoming change affecting your account) about your accounts and services.
Voluntary Participation: From time to time, you may choose to enter your information in order to participate in online surveys, contests, sweepstakes or other activities that we sponsor. We use this information for a variety of reasons, such as measuring the performance of the website, or identifying products and services that might interest you. All information is used in accordance with the purposes outlined in this Policy and
the official rules of the contest or sweepstakes, if applicable. Do not participate in these voluntary activities if you do not want your information used for these purposes.
We use security controls to protect against unauthorized use, access, modification, destruction, disclosure, loss or theft of your personal information in our custody or control.
To learn more about the Bank’s online and mobile security practices, visit www.bmoharris.com/security. To learn more about the other Bank-affiliated entities’ security practices, visit each entity’s website.
For more information, please contact us at:
BMO Harris Bank N.A.
Office of the Chief Privacy Officer
111 West Monroe
Chicago, Illinois 60603