Effective Date 01/03/2017
This Online Privacy Notice (the “Notice”) describes how information is collected by and through websites, mobile applications, and online interfaces that are owned, operated, or controlled by Regions Financial Corporation or its affiliated companies (collectively, the “Sites”), including this Site, and how that information may be used and shared. The terms and disclosures in this Notice do not apply to non-consumer use of any Site and do not apply to any information describing, identifying, or relating to parties who or which are not natural persons who use a Site for consumer purposes (“Non-Consumer Users”). We may collect by or through our Sites, and use, disclose, and share, information describing, identifying, or relating to Non-Consumer Users for any purpose, subject to the requirements and restrictions of applicable law.
For purposes of this Notice, the terms “we”, “us”, and “our” refer to the applicable Regions company that owns, operates, or controls the Site that you use, and such terms may also refer to contractors and service providers engaged by Regions companies to support their business activities, as the context may require. The terms “you”, “your” and “yours” refer to any natural person who accesses or uses a Site for personal, family, or household purposes. By using or accessing any Site, you confirm your agreement to the terms of this Notice as may be in effect at that time.
Categories of Information We Collect through Our Sites – Personally
Identifiable Information and Anonymous Information
We may collect and use both Personally Identifiable Information and Anonymous Information by and through our Sites. For purposes of this Notice, “Personally Identifiable Information” means any information or combination of information that we collect or use by or through a Site that identifies you personally, and “Anonymous Information” means information that we collect or use by or through a Site that does not identify you personally or contain personal identifiers about you. Personally Identifiable Information may include, for example, your name, your home address, your email address, your telephone number, your social security number, your account number, or transaction information. Anonymous Information may include, for example, information about your device or internet browser, information obtained from cookies that have been placed on your device or internet browser at our Site or at other websites you have visited, demographic information, aggregated information, blind information about how you use our products and services and about the transactions you perform using our products and services, and other information obtained through your access to or use of a Site that does not identify you personally. We may supplement the information we collect from you with information we receive about you from other sources.
How We Collect, Use, and Share Personally Identifiable
We collect Personally Identifiable Information when you use our Sites to apply for, obtain, or use our products and services, or to make inquiries about our products and services, or to provide information and feedback about our products and services. In connection with your use of our Sites, products, and services, we may ask for, and you may provide, Personally Identifiable Information in forms, surveys, applications, and online fields, or you may authorize us to collect Personally Identifiable Information from third party sources. Personally Identifiable Information also may result from transactions and inquiries you make using our Sites. We may use Personally Identifiable Information:
For additional information about how we collect, use, share, and protect personal information about our consumer customers, and for information about the choices you may have, please review the Regions Privacy Pledge to Consumers.
Updating Personally Identifiable Information
Online applications you use at our Site in connection with our products and services generally will enable you to review, update and correct certain Personally Identifiable Information about you. You may also contact your local banker or account officer, or call us at 1-800-REGIONS (1-800-734-4667), for information about how to review and update certain information about you in our records.
How We Collect, Use, and Share Anonymous Information
We may collect Anonymous Information:
We may use, disclose, and share Anonymous Information as described in this Notice and/or for any other purpose, subject to the requirements and restrictions of applicable law. If we combine Anonymous Information with Personally Identifiable Information (such as combining your name with your geographical location), we will treat that Anonymous Information as Personally Identifiable Information as long as it is combined with Personally Identifiable Information.
We use “cookies” to provide you with a better online experience. A cookie is a small text file that can be placed on your system when you visit a website. Cookies allow us to collect both Personally Identifiable Information and Anonymous Information, such as browser type, time spent on a website, pages visited, language preferences, and information about your relationships with us. Cookies allow us to facilitate image changes, collect anonymous aggregate website traffic, provide certain discount, promotional and reward programs to you, and personalize our services to your needs. Our Site does not require users to accept cookies, and you can set your browser to notify you when you receive a cookie, giving you the opportunity to decide whether or not to accept it. If you choose not to accept cookies, you may experience some reduction in graphics and other personalized services. You also may need to accept cookies in order to maintain certain online advertising opt-out elections (see “Use of Information for Advertising; Online Behavioral Advertising” section below).
Use of Information for Advertising; Online
We may use Personally Identifiable Information or Anonymous Information in connection with our online advertising activity. Online advertisements may be in the form of banner ads, splash ads, or other formats. These advertisements may appear at our Site, and we may contract with third party advertising companies to promote our products and services and serve related advertisements on websites and mobile applications that are owned or operated by parties not affiliated with us.
In order to better understand which of our products and services may be of interest to you and to tell you about those products and services, we may from time to time collect information about your online activities over time and across third party websites and online services. We also may engage third party service providers to collect information about your online activities over time and across third party websites and online services when you use our Site. Serving advertisements based on a person’s online activities over time and across third party websites and online services is generally known as “online behavioral advertising.” Here are some tips and other important information regarding online behavioral advertising:
We may share Anonymous Information with third party advertising companies with which we have contracted in order to support other targeted advertising, promotional, and rewards programs that we offer. You may opt out of rewards programs we offer and the targeted advertising and promotions that are associated with the programs. Please see the terms of the applicable rewards program for information about opting out.
Financial Planning Tools and Calculators
We may provide planning tools at our Sites to help you model transactions and make financial decisions. Examples of these tools include home mortgage calculators, auto loan calculators, and retirement calculators. We encourage you to try all of these as often as you like. When you use these tools at our Sites, the calculators may run on your device or on our server. We do not capture and retain the personal information you provide on these planning tools.
Children’s Online Privacy
Our Sites are not directed to individuals under thirteen (13) years of age, and individuals under the age of 13 years should not provide Personally Identifiable Information through a Site. We do not knowingly collect information from individuals under the age of 13 years without parental consent.
When you use our Site to apply for or to obtain or use our products and services, we will not ask you to provide any Personally Identifiable Information that is personal health or medical information except as allowed or required by applicable law and as necessary to consider your application for or to provide such products and services. To the extent you provide any Personally Identifiable Information that is medical or personal health information, we will not use or disclose such information except as allowed or required by applicable law, and we will protect such information as required by applicable law.
To protect Personally Identifiable Information, we apply administrative, technical, and physical security measures. These measures include computer safeguards and secured files and buildings. In the event we share information with third party service providers or joint marketers, we restrict the ability of such parties to use or disclose the information we furnish. We also require such parties to apply appropriate security measures to protect information. For more information, please review the Regions Privacy Pledge to Consumers and our Online Security page. Unfortunately, no data transmission or storage system can be guaranteed to be absolutely secure, and we disclaim any representation or warranty that our information security systems or those of our service providers and joint marketers are absolutely invulnerable to breach or compromise.
Links to Other Websites
The information and disclosures contained in this Notice apply only to our Sites. If you link to a third party website from our Site, the third party website will not be governed by this Notice. We recommend that you review the internet or online privacy notice for any third party website you visit, including any social media website or application (see “Social Media” section above).
Changes to this Notice
We may make changes or amendments to this Notice in our discretion. Any changes or amendments we make will be effective when we post them at the applicable Site, unless we expressly provide a different effective date. You agree that the posting of such changes or amendments at the applicable Site shall constitute effective notice thereof to you. You agree to review the Notice periodically to ensure that you are familiar with the current terms of the Notice. You acknowledge and agree that any changes we make are binding on you as of the effective date we dictate, but in any event your use of the applicable Site on or after the effective date constitutes your affirmative acceptance of such changes. The effective date set forth at the beginning of this Notice indicates when this Notice was last changed.
Questions about this Notice
If you have questions about this Notice, please call us at 1-800-4PC-BANK (1-800-472-2265) or visit our Contact Us page for more information.