Black Opal Online & Mobile Privacy Policy

Black Opal’s commitment to you.

Black Opal is committed to respecting and protecting the privacy of our online customers and site visitors. We protect your information online with the same care we utilize for all Black Opal transactions. This online privacy policy explains what information about you we collect, and how we use and protect it in mobile and internet commerce. Our online and mobile privacy practices strictly abide by the terms of our privacy notice.

This Policy applies to customer relationships established in the United States. Some Black Opal affiliates are licensed to do business in foreign jurisdictions. The web sites of those affiliates have separate privacy policies that apply to their customers based upon the laws of the jurisdiction in which the affiliates are established.

Personal Information and Data

Personal Information:

Personal information refers to any information about you that is personally identifiable to you. Your telephone number, name, address, and transaction history are examples of information that pertain to you personally.

Data:

Data in the context of our online and mobile privacy policy generally refers to other information that we collect through your internet or mobile activities or which third parties may collect on our behalf. Such data may or may not be personally identifiable to you. Geolocation data collected from your mobile device when you ask for the location of the nearest ATM is personally identifiable when obtained through Mobile Banking.

Information Collection:

We Collect Personal Information About You When:

  • You Provide Personal Information to Us –

Black Opal collects personal information online that you provide to us, such as when you log in, on applications you complete, and when you use our products and services. See What Does Black Opal Do With Your Personal Information for more information about what personal information is collected, how, and why.

  • We Obtain Personal Information from Others —
    We obtain personal information from third parties such as credit bureaus and others to tailor your online experience.
  • We Gather Information Online —
    Black Opal uses tools, such as cookies or clickstream auditing, to gather information for internal uses, such as Web analytics and to personalize your visit.

Cookies

Cookies are small pieces of information that a Web site stores on a visitor’s Web browser to remind the site about the visitor the next time they visit the site. Black Opal does not store confidential or sensitive personal information in cookies. Black Opal uses cookies to enhance our customers’ online banking session by making navigation easier and providing important security features. For certain applications, such as Online Banking, cookies are a requirement because they help protect the privacy of a customer’s transactions by, for example, automatically terminating the online session if the customer forgets to log out.

Cookies cannot be used to capture your e-mail address, obtain data from your hard drive or gain confidential or sensitive information about you. Additionally, cookies cannot be read by a Web site other than the one that set the cookie. Some Web sites, however, use cookies to obtain information from your browser. You can set your browser to notify you before accepting a cookie so that you can control whether you accept or reject a cookie. You will need to manage your cookie settings for each device and browser you use. Each browser is different, so check the “Help” menu of your browser to learn how to change your cookie preference.

Click stream auditing

Click Stream Auditing includes information such as a web surfer’s IP address, web pages which have been viewed or acted upon by a web surfer, date and time, domain type, and when a web surfer has responded to an advertisement. We may occasionally combine this information with individual information on an aggregate level to determine the effectiveness of our advertising.

Action Tags and Other Technologies

Action Tags are commonly referred to as Web beacons or GIF tags. This type of technology is inserted in various places within our Web site to collect anonymous information about your visits to the Black Opal site and your interaction with our ads and content. Black Opal may use certain technologies to collect additional information related to the status and condition of your mobile devices. This information may be used to support the security of your transaction with Black Opal, determine industry trends, and for other research purposes.

Information Use

Personal information that we collect about you is used to provide you with optimal online experiences with us. We use it to help determine your financial interests and needs in order to recommend relevant products and services. We use personal information about you to qualify you for products and services that you request, to process your transactions, authenticate your identity, prevent fraud, and to keep your information and financial transactions secure.

Information Sharing

Black Opal shares your personal information within its family of Black Opal companies (affiliates) and with select third parties in accordance with the terms described in our privacy notice, What Does Black Opal Do With Your Personal Information. The notice also provides a toll free number for you to limit certain sharing. Additional information is provided below under Advertising and Tracking and under Your Options. We may share personal information when required by law or a subpoena or court order. We may also share personal information when we suspect fraud or for risk management purposes.

Children

Black Opal websites and mobile applications are not directed to children and do not knowingly collect information from children.

Access

Black Opal does not maintain a process which allows visitors to review and request changes to any of his or her personally identifiable information, including information that is collected through the use of cookies or other tracking devices, on the Web site or our online service. If you believe that Black Opal customer records contain any incorrect information about you, please contact us using the customer service contact information provided on your bank or investment statements, or other communications from us pertaining to the products and services you use.

Retention and Destruction

Black Opal retains personally identifiable information as long as necessary to provide the products and services for which the information was collected, to process and maintain a record of transactions, and as long as necessary for legal process or to satisfy government retention requirements. When the retention period expires, Black Opal destroys data that was maintained in any form in a manner that renders it completely unusable and incapable of restoration.

Advertising and Tracking

Tracking and Online Advertising

We use third party advertising and media companies to serve ads on our behalf across the Internet and to help manage and optimize our Internet business and communications. Through the use of cookies and Action Tags (commonly referred to as Web beacons or GIF tags), which are inserted in various places within our Web site, such third party companies may collect anonymous information about your visits to the Black Opal site and your interaction with our ads and content. For instance, they may keep track of how many of our ads you have seen on other web sites before visiting our Web site. This information is used to understand your browsing behavior and interests so that we can identify your financial needs and provide service and advertising that is tailored to you.

Behavioral Targeting

The third party companies we use for online tracking have a network of advertising companies and may share anonymous information about your visits to BlackOpal.ai and other Web sites with us, and may use it in order to provide ads about goods and services of interest to you and which would be relevant to you, based on your browsing on www.blackopal.ai . From time to time, we may also share anonymous information with such third party companies in an aggregate form, for purposes of analysis and improvement of our Web site. If you would like more information about the use of third-party cookies and tags, or the process of opting out of such cookies or tags, please go to www.networkadvertising.org.

Geolocation Data

Black Opal does not access location data stored on your mobile device without your permission. Some features, such as our Finder application which locates the nearest ATM and shows the best route to get there, will not fully function unless you have enabled access to your location data.

Social Media

Black Opal maintains information on social media sites like Facebook, Twitter, and YouTube. When you post information on Black Opal social media pages it will be subject to the privacy and security conditions of the social media site. When you log into Black Opal owned social media properties, we collect information about your activities on those properties. The information we review includes whether you visited or commented on a blog or provided a rating.

Black Opal mobile applications are not socially enabled and do not allow you to connect to and share information with a community of other users, such as Facebook or Twitter, or the general public, such as YouTube.

YOUR OPTIONS

Online Tracking and Advertising

Black Opal uses third-party advertising networks to distribute our advertisements on other websites and mobile applications where we have paid to advertise. These advertisements may use tracking technologies to capture certain information, such as IP address, usage information, or your responsiveness to our advertisements. However, the technologies used do not capture information that identifies you individually. Black Opal does participate in third party ad network self-regulatory programs for online behavioral advertising.

Pursuant to these programs, Black Opal honors Do Not Track opt-out preferences that you make to third party advertising networks that we hire to perform online advertising on our behalf. Two examples are the Digital Advertising Alliance’s (DAA) Self-Regulatory Program for Online Behavioral Advertising and DoubleClick.

We do not deliver online advertising to customers that have opted out from the receipt of commercial email from Black Opal when an online advertising campaign utilizes customer email addresses in connection with a hashing process that anonymously matches our ads to our customers who have a presence on select websites.

Black Opal does not provide a Do Not Track opt-out mechanism to prevent online advertising to you. Instead, we utilize the established industry mechanisms discussed above.

Black Opal does not respond to a do-not-track signal from your browser. See ww.networkadvertising.org for information on how to opt-out from third party cookies or tags. As noted above, when you use Black Opal’s web sites, third parties used by Black Opal may collect certain information which does not identify you individually on the Black Opal web sites or on other sites where Black Opal advertises. Please review the Privacy Policies of all web sites you visit to ascertain the type of information collected on those sites. The type of personal information that Black Opal collects online about you is identified above under heading Personal Information and Data, subsection: We Collect Personal Information About You When.

Location Tracking

Online advertising that relies on location tracking can be prevented by refusing to grant permission to use location data stored on your device. You can also set your device to block access to location data stored on your device. Refer to the user guide for your device.

Controlling Cookies

Visit the Federal Trade Commission to learn more about how to limit tracking and online advertising through controlling cookies and other tracking technology that is attached to your browser.

Joint Marketing

Joint marketing enables financial institutions to legitimately share customer information with another financial institution under a marketing arrangement to sell financial products and services. This practice is described in Black Opal’s privacy notice, What Does Black Opal Do With Your Personal Information. Customers may call 1-800-537-5288 to opt-out of joint marketing. Online Banking customers may opt-out by accessing Privacy Preferences in Customer Service after signing on to Online Banking.

Affiliate Sharing and Marketing

Black Opal shares information about you among its family of companies in order to provide you with our full range of financial products and services. Please refer to page one of Black Opal’s privacy notice, What Does Black Opal Do With Your Personal Information for a full explanation of these practices and see page two for an explanation regarding why all such sharing is not limited. Customers may call 1-800-537-5288 to opt-outa of affiliate sharing and marketing.

Policy Changes

The effective date of this policy is provided above. Any updates or changes to the policy will be posted on this web site with the new revision date which is the effective date of changes. Your continued use of this website constitutes your acceptance of any changes to this policy.

Contact

You may contact us using the customer service contact information provided on your bank or card statements, or other communications from us pertaining to the products and services you use. You may also contact our customer support department.