BBVA Compass net cash Privacy Policy

Effective date: September 1, 2017

This Privacy Policy describes our practices related to the use, storage and disclosure of information we collect from or about you in the course of providing the Online Services through our net cash website and Mobile Application (collectively, the “net cash Applications”). We reserve the right to modify this Privacy Policy at any time and without prior notice. The Privacy Policy link within the net cash Applications will direct you to the most recent version of this Privacy Policy. This Privacy Policy is not a contract and does not create any legal rights or obligations. Terms defined in the Treasury Management Services Agreement and the BBVA Compass net cash Mobile Application Terms of Use shall have the same meaning in this Privacy Policy, unless otherwise stated below.

Through the net cash Applications, you may (i) view balances and recent transactions for eligible accounts; (ii) make transfers of funds to and from eligible accounts; and (iii) access additional services that may be available through the net cash Applications.

What information do the net cash Applications obtain and how is it used?

User Provided Information – The net cash Applications obtain the information you provide when you register to use the net cash Applications. Registration with us is mandatory in order to be able to use the basic features of the net cash Applications. You can use the Mobile Application after registering on the net cash website. During registration, you generally provide: your name, email address, phone number, user name, password and other registration information. We use this registration information to create a unique user profile for you, which is required to access and use the Online Services. We may also use the contact information you provide us to notify you from time to time of important information and updates related to the net cash Applications.

When using the net cash Applications, you generally provide information required to complete requested transactions. Such transaction-related information may include: account information, transfer amounts, dates, frequency, recipient name and contact information, and check images.

Automatically Collected Information and Device Access - In addition, the net cash Applications may collect certain device information automatically, such as the type of Mobile Device you use, your Mobile Device’s unique device ID, your IP address, the geographic location of your Mobile Device, your operating system, and certain information about the way you use the net cash Applications. The Mobile Application may also access the following information when needed to perform services that you request: access to location information based on cellular network database and GPS; access to phone operations to call phone numbers without user’s intervention, access to phone information (e.g. phone number and serial number of device, whether a call is active, the phone number being called); internet access to create network sockets; access to contact (address) data stored on the phone; access to information about the state of Wi-Fi and all networks; access extra location provider commands; access to device storage to write, modify, or delete content. This information is only accessed to provide the services within the Mobile Application that you choose to use.  The Mobile Application will activate your camera if you choose to take a picture of a check (if available). If you choose, the Mobile Application can access your contacts stored on the device when you are selecting the recipient of a transfer or transaction notice.

Do the net cash Applications collect precise real time location information of the device?

The net cash Applications may collect information about your location when you choose to use location-based services and for fraud prevention and security purposes. Location information is obtained based on your device’s IP address and through other technologies like GPS, Wi-Fi, or cell tower proximity. You may opt-out at any time from allowing the Mobile Application to have access to your location data through your device settings. We do not control your location information preferences from within the Mobile Application.

Do third parties see and/or have access to information obtained by the net cash Applications?

Yes. Subject to applicable law and regulation, we may share information collected by the net cash Applications with third parties in the ways that are described in this Privacy Policy.

We may disclose user-provided and automatically collected Information:

  • as required by law, such as to comply with a subpoena, or similar legal process;
  • when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request; and
  • 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 Privacy Policy.

How is information collected by the net cash Applications used?

We use the information collected about you and your device for our business purposes such as: maintaining and providing you with the Online Services; responding to your questions and instructions; maintaining the integrity of our network and addressing security issues; detecting fraud; investigating or taking action regarding violations or suspected violations of law or our terms; marketing and personalizing the presentation of our Online Services to you; tracking usage; and improving the Online Services.

What are my opt-out rights?

You may opt-out at any time from allowing the Mobile Application’s access to your location information by disabling location services in your device settings. Turning off your device’s location services will prevent the Mobile Application from performing location-based services. You may also refrain from using Online Services that collect specific types of information. You can stop all collection of information by uninstalling the Mobile Application and ceasing your use of the Online Services.

How does the Mobile Application respond to Do Not Track signals?

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, the net cash Applications do 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 the net cash Applications to collect PII about your online activities over time and across third party websites. For these reasons, the net cash Applications does not respond to DNT signals.

Data Retention

Our operational systems will store user-provided data for as long as you use the related feature of the net cash Applications, unless you choose to delete it. Please note that some or all of the user-provided data may be required in order for the net cash Applications to function properly, and we may be required to retain certain information by law. If you close your profile established for Online Services, we will retain certain account data, such as transaction history and account balances, for a reasonable time to facilitate any request to reopen your profile.

Minors

We do not use the net cash Applications to knowingly collect data from or market to minors under the age of 18.

Security

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 net cash users. For example, we limit access to this information to authorized employees and contractors who need to know that information in order to operate, develop or improve our Online 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.

Changes

We reserve the right to modify this Privacy Policy at any time and without prior notice. If we make material changes to this Privacy Policy, we will update the "Effective Date" posted at the top of this Privacy Policy. Any updates will become effective when posted to this Privacy Policy. Your use of the Online Services following an update to this Privacy Policy constitutes your acceptance of the updated Privacy Policy.

Your Consent

By using the net cash Applications, you are consenting to our processing and use of user-provided and automatically collected information as set forth in this Privacy Policy, now and as amended by us.

Contact us

If you have any questions regarding privacy while using the net cash Applications, or have questions about our practices, please contact us at 1-800-607-4444.