Online Privacy Policy
Bank of Missouri, respects the privacy of your information. This Privacy Notice is designed to assist you in understanding how we collect, use and safeguard the information you provide to us in using this website. For current customers who manage their account using The Bank of Missouri platform, you may review the terms and conditions and associated with this website, including applicable privacy provisions, here.
As you review this Online Privacy Notice, here are a few general principles to keep in mind:
- This Privacy Notice is being provide on behalf of Bank of Missouri, its agents, third party service providers and other parties that may assist us from time to time with this website. For purposes of this policy, "The Bank of Missouri", "we", "us", and the like, applies to all persons and entities described in this bullet point.
- From time to time, we may change this Privacy Notice. If we do, we will post an amended version on this webpage.
- Your continued use of this site at any time, including after any amendment, signifies your acceptance of our applicable Privacy Notice.
- Our online services are not intended for children under 13. We do not knowingly collect personal information from children under 13 without parental consent.
- We will use and share any information that we collect from or about you in accordance with this policy.
- If you are a California resident, you may have rights under the California Consumer Privacy Act. Learn more about your CCPA rights.
- Our online Privacy Notices are product-specific and may vary depending on the nature of the product or service you have. This Privacy Notice applies to this website only. Please review the privacy policy for the specific online service you are using.
Personal Information
When you visit or use our online services, or apply for a credit card account, we will collect personal information from or about you such as your name, email address, mailing address, telephone number(s), account numbers, and a user name and password. We may also collect payment card information, social security numbers, driver's license numbers, or other number associated with your identification, when you provide such information while using our online services and where we believe it is reasonably required for ordinary business purposes.
Usage and Other Information
In addition to the personal information described above, we may collect certain information about your use of our online services. For example, we may capture the IP address of the device you use to connect to the online service, the type of operating system and browser you use, and information about the site you came from, the parts of our online service you access, and the site you visit next. We or our third-party partners may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our online services. In addition, we may later associate the usage and other information we collect online with personal information about you.
Additional Sources of Information
We may also collect information about you from additional online and offline sources including from co-branded partner sites or commercially available third-party sources, such as credit reporting agencies. We may combine this information with the personal and other information we have collected about you under this Online Privacy Policy.
Use of Information
We use the information discussed above in a number of ways, such as:
- Processing your credit card application and transactions;
- Verifying your identity (such as when you access your account information);
- Preventing fraud and enhancing the security of your account or our online services;
- Responding to your requests and communicating with you;
- Managing your preferences;
- Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view;
- Providing you tailored content and marketing messages;
- Operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions);
- Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies; and
- For any other purposes that we may specifically disclose at the time you provide or we collect your information.
We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.
We use the personally identifiable information we collect to provide a service to you, to improve our services and this site, and to protect our legal rights. In addition, we may use the personal identifying information we collect for the following purposes:
- Contacting you Via Mobile Device. When you apply for a credit card on this website you consent to us communicating with you on your mobile device. Such communications include but are not limited to pre-recorded or artificial voice messages, calls, text messages, email messages, and calls made or using automatic telephone dialing systems. Calls or messages may incur fees from your mobile service provider. You further agree to receive commercial email messages at such email address from us, our vendors or advertisers (unless and until you have elected not to receive such commercial messages by either contacting us as the address below or by responding to the opt-out provisions of the message you receive. You understand that your wireless carrier's standard rates apply to communications you receive via your mobile device. You represent that you are the owner, or authorized user of the mobile device on which communications will be received, and you are authorized to approve the applicable charges.
- Providing Services and Products. We use the information we gather on our Sites to provide you with the Services and or products you have requested. This may include passing your information on to a service provider to provide such services or products. Although our contractual arrangement limits how this party can use your information, we do not control the privacy practices of service providers. If you have any questions or wish to remove your information from the third party databases, you will need to contact that party directly.
- Customer Support Services. We will use the information to confirm your registration and complete transactions requested by you or verify information you have provided to us to assist you with any support services you request.
- Identity Verification. We may use the information we gather on the website for identity verification purposes, for example, to text users a code that they must enter on the Site or Services to verify their identity when they sign on to their account.
- Improving Our Internet Content and Services. We use the information we gather to respond to any inquiries you make, operate and improve the functionality of our Sites and Services, and deliver the products and services advertised on our Sites. Our Services include the display of personalized products, content, and advertising, relating to your experience and interests.
- Legitimate Business Purpose. We may use the information we gather on the website for any other legitimate business purpose, as permitted by law. We may also use the information for any other purpose for which we receive your specific consent.
We do not disclose your social security number, credit card or banking information to third parties not assisting us with supplying your request for products or services without your authorization. However, we may share the Personally Identifiable Information that we collect about you in the following ways:
- Product and Service Delivery. We share your information with service providers who help us in the delivery of the products and services you have requested.
- Platform Functionality. We share your information with companies and individuals we employ to perform technical functions on our behalf. Examples include service providers who host our website, build and support our mobile application, analyze our data, provide marketing assistance, process credit card payments, and provide customer service.
- Anonymous Information. We share aggregated anonymous information about you, combined with other persons using our sites with service providers, so that they can understand the kinds of visitors that come to this website, and how those visitors use provided platforms.
- Legal Process. We disclose your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to (a) conform to legal requirements or comply with legal process; (b) protect our rights or property, or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.
We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services.
"Cookies" are small amounts of data a website can send to a visitor's web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online services.
Clear GIFs, pixel tags or web beacons-which are typically one-pixel, transparent images located on a webpage or in an email or other message-or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements or you otherwise interact with advertisements outside of our online services. These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement.
Bank of Missouri may provide links to websites that are owned or operated by other companies ("third-party websites"). When you use a link online to visit a third-party website, you will be subject to that website's privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the linked third-party website before providing any information on that website.
We use reasonable physical, electronic, and procedural safeguards that comply with federal standards to protect and limit access to personal information. This includes device safeguards and secured files.
If you have additional questions about this Privacy Notice you may contact us at 866-241-4124. You may also write to us at the address below:
The Bank of Missouri
P.O. Box 191
Perryville, MO 63775-0191
Consumer Privacy Policy
| FACTS | WHAT DOES BANK OF MISSOURI DO WITH YOUR PERSONAL INFORMATION IN CONNECTION WITH YOUR THE BANK OF MISSOURI CREDIT ACCOUNT? |
|---|---|
|
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:
|
|
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 Bank of Missouri chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Bank of Missouri share? * | Can you limit this sharing? |
|---|---|---|
|
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus |
Yes |
No |
|
For our marketing purposes - to offer our products and services to you |
Yes |
No |
| For joint marketing with other financial companies |
Yes |
No |
|
For our affiliates* everyday business purposes - information about your transactions and experiences |
No |
We do not share |
|
For our affiliates' everyday business purposes - information about your creditworthiness |
No |
We do not share |
| For non-affiliates to market to you |
No |
We do not share |
| Questions? | Call 866-241-4124 . |
|---|
| Who we are | |
|---|---|
|
Who is providing this notice? |
Bank of Missouri, issuer of your {THE BANK OF MISSOURI} Account |
| What we do | |
|---|---|
|
How does Bank of Missouri 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. Also, we only allow employees, authorized service providers and other parties as required or permitted by law to access your account. |
|
How does Bank of Missouri collect my personal information? |
We collect your personal information, for example, when you
We 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
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
| Definitions | |
|---|---|
|
Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
|
Non-affiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
|
Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
| Other important information |
|---|
|
CA Residents: We will not disclose information about you to other financial service providers with which we have joint marketing agreements, other than as required or permitted by law, unless you authorize us to do so. CA, ND, and VT residents: To the extent that related state law applies, we will not disclose information about you to anyone other than our affiliates without your express authorization except as required or permitted by law |
California Consumer Privacy Act (CCPA) Disclosure
To exercise one or more of your rights set forth in this document, you or someone you authorize, may call us at 866-241-4124.
If you are a California resident you may have certain rights under the California Consumer Privacy Act (Cal. Civ. Code ç1798.100 et seq.) regarding your personal information, including:
- the right to request the specific pieces of personal information we collected about you; the categories of personal information we collected; the categories of sources used to collect the personal information; the business or commercial purposes for collecting your personal information; and the categories of third parties with whom we share your personal information each as it pertains to our activities in the preceding twelve (12) months
- the right to request, on legitimate grounds, deletion of your personal information that we collected;
- the right to have someone you authorize make a request on your behalf; and
- the right not to be discriminated against for exercising any of these rights.
We also must provide in this online disclosure certain details about our collection and handling of categories of personal information. The information that follows shows the types of personal information we may collect about California residents who are subject to the CCPA, the sources from which we collect it, and the ways in which we use and disclose it.
Categories of Personal Information
- Personal identifiers, including those listed in other California statutes: Real name; alias; Social Security number; passport number; other government issued number; driving license number; telephone number; email address; postal address; account name; online identifier; device identifier; IP address
- Characteristics of protected classifications: date of birth/age; gender; military; marital status; nationality; and citizenship
- Professional or Employment: title; salary; employment files; references
- Education information: details of your education and qualifications
- Financial details: bank account numbers; debit/credit card numbers; cardholder or accountholder name and details; transaction details
- Commercial Information: records of personal property; products and service purchased, obtained or considered; purchasing or consuming histories or tendencies
- Internet or other electronic network activity information: browsing history, search history, information regarding your interaction with a website, application or advertisement
- Communications, recordings, images: audio, electronic, visual
Category of Sources from which we collect Personal Information
- We obtain your personal information when you provide it to us (e.g., where you contact us via email or telephone, or by any other means)
- We receive your personal information from third parties who provide it to us (e.g., our customers; credit reference agencies; and law enforcement authorities)
- We collect or obtain personal information when you visit any of our Sites or use any features or resources available on or through a Site. When you visit a Site, your device and browser may automatically disclose certain information (such as device type, operating system, browser type, browser settings, IP address, language settings, dates and times of connecting to a Site and other technical communications information), some of which may constitute Personal Data
Business and Commercial Purposes for Use of Personal Information
- Marketing/Prospecting: communicating with you via any means (including via email, telephone, text message, social media, post or in person) subject to ensuring that such communications are provided to you in compliance with applicable law; and maintaining and updating your contact information where appropriate
- Servicing: to verify your identity and/or location (or the identity or location of your representative or agent) in order to allow access to your accounts, conduct online transactions, and to maintain measures aimed at preventing fraud and protecting the security of account and Personal Information
- Operation of our Sites: operation and management of our Sites; providing content to you; displaying advertising and other information to you; and communicating and interacting with you via our Sites
- IT operations:management of our communications systems; operation of IT security; and IT security audits
- Financial management: sales; finance; corporate audit; and vendor management
- Research: conducting market or customer satisfaction research; and engaging with you for the purposes of obtaining your views on our products and services
- Security: physical security of our premises (including records of visits to our premises and CCTV recordings); and electronic security (including login records and access details, where you access our electronic systems)
- Investigations: detecting, investigating and preventing breaches of policy, and criminal offences, in accordance with applicable law
- Legal compliance: compliance with our legal and regulatory obligations under applicable law
- Legal proceedings: establishing, exercising and defending legal rights
- Improving our products and services: identifying issues with existing products and services; planning improvements to existing products and services; and creating new products and services
- Risk Management: Audit, compliance, controls and other risk management
- Fraud prevention: Detecting, preventing and investigating fraud
Categories of Third Parties to Whom Personal Information is Disclosed
- You and, where appropriate, your family
- With your consent
- Anti-fraud service
- Accountants, auditors, financial advisors, lawyers and other outside professional advisors to The Bank of Missouri, subject to confidentiality
- Consumer reporting agencies
- Accreditation bodies
- Third party service providers (such as payment services providers; shipping companies; etc.)
- Governmental, legal, regulatory, or other similar authorities and/or local government agencies, upon request or where required
- Other third parties to comply with legal requirements such as the demands of applicable subpoenas and court orders; to verify or enforce our terms of use, our other rights, or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect the rights, property or security of our customers or third parties
Note: We do not sell your Personal Information. We also do not sell the personal information of minors under 16 years of age without affirmative authorization. Please see the Privacy Notice for information on how Personal Information about our customers may be shared and how you may be able to limit certain types of sharing.
Bank of Missouri does not offer an opt-out from the sale of personal information because Bank of Missouri does not engage in the sale of personal information as contemplated by the CCPA. As noted elsewhere in this disclosure, we share personal information with other businesses for a variety of reasons. While we often benefit from such exchanges, we do not share personal information for the sole purpose of receiving compensation for that information.
We may change this disclosure from time to time. When we do, we will let you know by appropriate means such as by posting the revised disclosure on our CCPA web site with a new "Last Updated" date. Any changes to this disclosure will become effective when posted unless indicated otherwise indicated.