Privacy Policy

This policy is effective 5-Nov-2019 and may be amended from time to time.

What Black Opal Does with your Personal Information?

Black Opal, Inc. (“Black Opal”) is committed to treating and using personal financial information about you responsibly. The Black Opal Privacy Policy explains what personal information we collect, why we collect it, how we protect it, and how and why in certain cases we may share it among Black Opal companies or with select other parties. We also tell you how to exercise your personal information sharing and use choices.

FACTSWhat 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 informationDoes 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 companiesYesYes
For our affiliates’ everyday business purposes
information about your transactions and experiences
For our affiliates’ everyday business purposes — information about your creditworthinessYesNo
For our affiliates to market to youYesYes
For non-affiliates to market to youNoWe don’t share


To limit our sharing• Call 1-800-537-5288 — our menu will prompt you through your choice(s)

• Visit us online: (Online Banking customers only)

Please note:

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

QuestionsCall 1-800-537-5288


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.


AffiliatesCompanies 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-affiliatesCompanies 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 MarketingA 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 informationAll 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: Black Opal Information Sharing Options, 1700 Lincoln St, 17th Floor, Denver CO 80203; telephone: 800-537-5288; email:

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.


Black Opal will post online any changes to the Black Opal Privacy Policy and the Black Opal Website Customer Information Privacy Policy on or before the effective date of such changes. You will be able to determine the date of the last change by noting the revision (Rev.) date of the policy. If you have already notified us of your information sharing preferences, you do not need to notify us again.

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 then go to Customer Service – Privacy Preferences to make your choice(s).