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BBVA Compass

BBVA Compass Online Privacy Policy

Effective date: June 16, 2014

1. Introduction and Scope of Policy

This BBVA Compass Online Privacy Policy ("Policy") applies to your interaction with BBVA Compass ( "we," "us," "our") at any online site that we own and control ("Site"), unless a different online and/or mobile policy is posted at a particular site, or is made available to you and by its terms supersedes this Policy. Other privacy policies may also apply in addition to the terms of this Policy. As examples, certain additional BBVA Compass privacy-related policies and notices are posted at http://www.bbvacompass.com/compass/policy/. These include the BBVA Compass Consumer Privacy Disclosure, which also applies to U.S. customers and consumers as described in that notice. You may also receive an additional privacy notice in connection with your use of a particular product or relationship with a specific business. This Policy also explains certain data use and data protection functionalities and practices of our online ads, such as banner ads, on third party sites. Please note that where we have another type of presence on a site owned by a third party, such as a page or handle on a social media site, that third party’s privacy policy and terms of use, rather than this Policy, will govern, unless specifically stated otherwise. This Policy is not a contract and does not create any legal rights or obligations.

2. Your Consent

By using a Site or interacting with a BBVA Compass advertisement or page or account on a third party site, you consent to this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy.

3. Gathering, Using, and Sharing Information

Types of Information

You may interact with us in a variety of ways online, including through a PC, tablet, or mobile device. We may offer sites that permit browsing and do not require registration. We may also offer the ability to access your accounts online. Information that we may collect about you through online interaction includes information that you input, such as your name, address, e-mail address, other contact information; data resulting from your activity, such as transaction information; and location information. We may also gather additional information such as the type of device and browser you are using, the Internet protocol (IP) address of your device, information about your device’s operating system, and additional information associated with your device. We may also gather information collected through cookies, tags, and other technologies, as described further below.

Location Information

The Site may collect information about your location when you choose to use location-based services. For example, the Site will collect the address, city, and/or zip code that you provide when submitting an online account application or inquiring about local interest rates. The Site may also access information about the location of your device automatically when needed to perform location-based services that you request. Location information may be obtained based on your device’s IP address and through other technologies, like GPS. We use your location information to provide requested location-based services, such as finding ATMs and branches nearest to you and displaying them on a map in relation to your location.

Depending on the type of device and browser you are using, you may be able to prevent access to certain location information in your device and/or browser settings; however, doing so may limit the functionality we can provide when you visit our Site. For example, the Site may not be able to perform location-based services, such as finding nearby ATMs and branches. We recommend that you refer to information supplied by your device and browser providers for specific information about how to use location settings.

About "Cookies"

In order to provide better service, our Site may use a software "cookie." A cookie is a small piece of information which a web site stores in the web browser of your device and can later retrieve. A cookie cannot be read by a web site other than the one that set the cookie. Many cookies only last through a single session or visit.

We use cookies for a number of administrative purposes; for example, to store your preferences for certain kinds of information. We also use cookies for purposes such as maintaining continuity during an online session; gathering data about the use of our site; monitoring online promotions; and anti-fraud and information security purposes.

  • Cookies used to facilitate online transactions. These types of cookies are called session cookies and are necessary in order to access certain services such as Online Banking and Compass e-Access. These cookies may also prevent you from having to enter information twice. These cookies allow us to show you web site pages that are most useful to you by tracking which pages you have visited during your session. Session cookies are not active after you log off of the services and are deleted when you completely close your web browser windows after a session. When you use our online banking services, we also may use the information in the cookie or similar file to match the web browser and device you use with your online account for security purposes.
  • Cookies used for personalizing your visit. We may create some cookies that allow us to present information that is useful to you when you later return to our Site. These cookies remember your preferences from an earlier visit in order to customize our Site pages when you return. These cookies stay on your device unless you delete them.
  • Cookies used to evaluate our Site. These cookies track how visitors use our Site, including the pathways to certain pages, the time spent on a page, and the number of visitors to a page. This allows us to improve navigability of our Site and to decide to delete or improve pages. These cookies stay on your device unless you delete them.
  • Cookies used to evaluate the effectiveness of advertising placed elsewhere on the Internet. We use these types of cookies and other related technology to track responses to our online advertisements and the ranking of our internet address in search engines. These cookies are placed on your device when you view our ad at another web site or on our own Site. These cookies identify the ads which led to your visit to our Site. These cookies stay on your device unless you delete them.

We do not store any information on cookies that would enable anyone to contact you via telephone, e-mail, or U.S. mail.

We may also provide certain widgets or tools on our Sites, such as tools that allow you to easily share information on another platform, such as a social media platform. At other times, information from a third party may be embedded on our Site, such as a map or information streaming from another site, including communications streaming from a third party social media platform. These widgets, tools, and informational items often function through the use of third party cookies utilized by the third party site, such as the social media platform. You may wish to review information at third party sites, such as social media platforms where you have an account, to determine how these third parties treat data that they obtain through the use of cookies.

Do You Have to Accept Cookies?

You may be able to set your browser to reject cookies. However, if you choose to reject cookies, you cannot access your accounts online through BBVA Compass Online Banking. Therefore, if you set your browser options to disallow cookies, you will limit the functionality we can provide when you visit our Site. The latest versions of internet browsers provide cookie management tools, such as the ability to delete or reject cookies. We recommend that you refer to information supplied by your browser provider for specific information about how to use these tools.

Do Not Track

Do Not Track ("DNT") is a privacy preference that users can set in recent versions of most major web browsers, including Firefox 5+, Internet Explorer 9+, Safari 5.1+, and Chrome. DNT allows users to inform web services that they do not want certain information about their webpage visits collected across websites.

Whether you have turned on DNT or not, our Site does not collect personally identifiable information (PII) about your online activities over time and across third party websites or online services. Nor do third parties use our Site to collect PII about your online activities over time and across third party websites. For these reasons, our Site does not respond to DNT signals.

Additional Cookies

Cookies is a term also used to describe other locally stored objects, such as cookies stored in an Adobe® folder on your device. These cookies will not be deleted when you clear cookies from your browser. We may use this technology for purposes such as information security and fraud prevention. We do not use this technology for online behavioral advertising purposes. Please refer to information provided by Adobe for information on how to disable and control Flash® objects. If you choose those options, you may limit the functionality we can provide when you visit our Site.

Additional Technologies

We may also use additional technologies such as ad tags, web beacons, tagged URLs, scripts, and clear GIFs, and may permit our third party service providers to use these technologies. We use these technologies for purposes such as measuring the effectiveness of our advertisements or other communications, determining viewing and response rates, and determining which offers to present to you on our own or on third party sites.

Using Information

In addition to the uses described above, we use information for purposes as allowed by law such as: servicing; communicating with you; improving our Site, products, or services; legal compliance; risk control; information security; anti-fraud purposes; marketing or personalizing the presentation of our products and services to you; tracking website usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our Sites.

Sharing

We may share information with our trusted services providers who work on our behalf, do not have an independent use of the information we disclose to them, and have agreed to adhere to the rules set forth in this Policy; such as data processors and companies that help us market products and services to you and evaluate online advertising and the use of our Site. When permitted or required by law, we may share information with additional third parties for other purposes, including response to legal process. As applicable, please see the additional privacy policies referenced above, such as the BBVA Compass Consumer Privacy Disclosure, for more information on how we may share information with affiliates and third parties.

4. E-mail Correspondence

What We Do:

We receive your e-mail address when you apply for a product or service or contact us online. We retain that address to: facilitate communication; provide you with information about your account; complete a service you have requested; inform you of other products or services; and to better serve you. If we send you an e-mail that primarily advertises our products or services, we will provide you the option to stop receiving such e-mails in the future. The contents of your e-mail messages to BBVA Compass will be retained for quality assurance and to meet regulatory and legal requirements.

We may share your e-mail address with service providers to allow them to send you information, gifts, or products that you have requested. Our agreements with these service providers prevent them from subsequently sending their own marketing messages to your e-mail address unless you request it.

What We Do Not Do:

We will not send sensitive information such as account numbers, passwords, Social Security numbers or Tax ID numbers in an e-mail. Nor will we ever ask you to e-mail such information to us. We do not sell or share your e-mail address with third parties to use to independently market their products to you. Please refer to our Consumer Privacy Disclosure for further information about how we maintain and use information about you, including your e-mail address.

E-mail Security Limitations

In general, email is not a secure means of communication. BBVA Compass's online applications include data encryption for the protection of your personal information. However, typical e-mail programs do not include such built-in encryption. If the information you need to convey is of a sensitive nature, including account numbers, Social Security number, passwords or PINs, please contact us by phone, U.S. mail, or visit your local banking center.

5. Security and Online Services

Protecting the confidentiality of your information is very important to us. We have established appropriate physical, electronic, and procedural safeguards to protect information we collect from or about our Site users. In the operation of banking, brokerage, and other online services, BBVA Compass and the third party service providers we have contracted with, store and must access your personal, business and account information. We employ proven processes and technologies to protect the privacy and security of your information when you bank online with us, such as firewalls, encryption techniques, and authentication procedures. All web site access to sensitive information is protected by SSL encryption. In addition, we require a logon ID (or nickname), password, and other Security Codes (as defined the Agreement and Disclosure Statement for Online Banking) to access your accounts and services. These safeguards are regularly reviewed to protect against unauthorized access, disclosure and improper use of your information and to maintain the accuracy and integrity of that information.

You can help maintain the security of your information by not sharing your logon ID, nickname, password or PIN with anyone. You should also consider changing your password or PIN regularly. Finally, be sure to "log out" or close your web browser after accessing your online accounts.

6. Off-Site Links

For your reference and convenience, our Site may provide links to other web sites on the Internet. These links are provided for your convenience and do not constitute an endorsement. These third party sites are not within our control and may not have the same privacy, security or accessibility standards. Third parties are solely responsible for the content and availability of their sites. You should also refer to the third party site's privacy and security policies when accessing that site.

7. Children's Privacy

We do not use our Site to knowingly collect data from or market to children under the age of 13. If a child under 13 has provided us with personal information without parental or guardian consent, the parent or guardian may contact us at 1-800-COMPASS. We will delete such information from our files within a reasonable time and unsubscribe the child from any promotional contact opportunities.

8. Policy Updates and Effective Date

We reserve the right to modify this Policy at any time and without prior notice. If we make updates to this Policy, we will update the Policy with the changes and revise the "Effective Date" posted at the top of this Policy. Any updates to the Policy become effective when we post the updates on the Site. Your use of the Site following an update to this Policy means that you accept the updated Policy.

If you have any questions regarding privacy while using our Site, or have questions about our privacy practices, please contact us at 1-800-COMPASS.

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