This policy is effective 5-Nov-2019 and may be amended from time to time.
What Black Opal Does with your Personal Information?
|FACTS||What does Black Opal do with your personal Information?|
|Why?||Financial companies choose how they share your personal information. Federal law gives|
consumers the right to limit some but not all sharing. Federal law also requires us to tell you
how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do
|What?||The types of personal information we collect and share depend on the product or service you have with us. This information can include:|
• Social Security number and income
• Account balances and account transactions
• Credit scores and payment history
|How?||All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons PNC chooses to share, and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Black Opal Share?||Can you limit this sharing?|
|For our everyday business purposes —|
such as to process your transactions, maintain your
account(s), conduct portfolio analysis, respond to court
orders and legal investigations, or report to credit bureaus
|For our marketing purposes —|
to offer our products and services to you
|For joint marketing with other financial companies||Yes||Yes|
|For our affiliates’ everyday business purposes —|
information about your transactions and experiences
|For our affiliates’ everyday business purposes — information about your creditworthiness||Yes||No|
|For our affiliates to market to you||Yes||Yes|
|For non-affiliates to market to you||No||We don’t share|
|To limit our sharing||• Call 1-800-537-5288 — our menu will prompt you through your choice(s)|
• Visit us online: www.blackopal.ai (Online Banking customers only)
If you are a new customer, we can begin sharing your information 30 days from the date
we sent this notice. When you are no longer our customer, we continue to share your
information as described in this notice. However, you can contact us at any time to limit our sharing
|What we do|
|How does Black Opal protect my personal information?||To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Additionally, Black Opal requires and trains its employees to comply with its privacy standards and policies, which are designed to protect customer information.|
|How does Black Opal collect my personal information?||We collect your personal information, for example, when you|
• open an account or deposit money• pay your bills or apply for a credit card• use your credit or debit cardWe also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
|Why can’t I limit all sharing?||Federal law gives you the right to limit only|
• sharing for affiliates’ everyday business purposes — information about your creditworthiness
• affiliates from using your information to market to you
• sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choices will apply to everyone on your account.|
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies.|
• Our affiliates include companies with the Black Opal name, and financial companies with different names.
|Non-affiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.|
• Black Opal does not share with non-affiliates so they can market to you
|Joint Marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.|
• Our joint marketing partners include mortgage and lending companies, insurance companies, and other companies that provide financial products and services.
|Other important information||All statements to Federal Law mentioned above reference U.S. Federal Law.|
California and Vermont: If your account has a California or Vermont billing address, we will automatically limit sharing your information with affiliates and non-affiliates or for joint marketing with other financial companies. Nevada Residents Only: This notice is provided to you pursuant to state law. To stop marketing calls from us follow the directions in the section “To limit our sharing” to be placed on the Black Opal do not call list. Nevada law requires that we also provide you with the following contact information: Office of the Nevada Attorney General, Grant Sawyer Building, 555 E.
Washington Ave., Ste 3900, Las Vegas, NV 89101; telephone: 1-888-434-9989; email: firstname.lastname@example.org. Black Opal Information Sharing Options, 1700 Lincoln St, 17th Floor, Denver CO 80203; telephone: 800-537-5288; email: XXservice1@blackopal.ai
Important information about phone calls, texts, prerecorded and email messages: If, at any time, you provide to Black Opal, its affiliates or designees (Black Opal) contact numbers that are wireless telephone number(s) including, but not limited to, cell or VoIP numbers, you are consenting to Black Opal using an automated dialing system to call or text you, or to send prerecorded messages to you, in order to service, and collect on, any Black Opal personal account(s) and business account(s)
(for which you are an authorized signer, guarantor or designated contact person) but not to market to you. For any type of phone calls with Black Opal, you consent that the call may be monitored or recorded for quality control and training purposes. By providing your email address, you consent to receive electronic mail from Black Opal.
To limit our sharing, you can:
Call 1-800-537-5288 – our menu will prompt you through your choice(s).
Online Banking Customers – simply sign-on at blackopal.ai then go to Customer Service – Privacy Preferences to make your choice(s).