Internet Privacy Policy

Bank of Prague Online Privacy Notice

Last updated July 28, 2023

Your privacy is important to us. We conduct regular assessment reviews and abide by rigorous privacy standards to ensure personal information we collect, use and share is protected. This Online Privacy Notice describes how the Bank of Prague manages personal information about you when you interact with us online through our websites, mobile applications, and social sites through your computer, smartphone, tablet, or other mobile devices.

This Notice explains

  • How we collect personal information when you visit, use, and or interact with us online.
  • How we may use or share personal information collected to deliver products and services to you.

By using our Sites and Mobile Apps, you agree to the terms and conditions of this Notice.

Updates to this Notice

This Notice is subject to change. We update this Notice periodically to comply with the most recent federal and local laws. Please review it whenever you have questions. If we update this Notice, we will revise the Last updated date on this page.

Our Online Privacy Practices

We are committed to transparency about your personal information. We ask for your consent when required, otherwise by using our Site and Mobile Apps, you consent to the collection, use and sharing of your personal information subject to and consistent with applicable laws, regulations, and other notices you may have received based on your relationship with us.

Linking to other sites

We may provide links to non-affiliated third-party sites, such as credit bureaus, service providers or merchants. If you follow links to sites not affiliated with, or controlled by Bank of Prague, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites and Mobile Apps. The Bank of Prague does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information.

Protecting your personal information

To protect personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third-party providers to ensure personal information remains confidential and secure. In the event of a data breach, we provide timely notification, in accordance with applicable laws and regulations.

We also recognize the importance of protecting privacy where children are involved. Our Sites and Mobile Apps are not marketed to individuals under the age of 13, and we request that these individuals do not provide personal information through our Sites and Mobile Apps. We do not knowingly collect personal information from children under 13.

Making sure personal information is accurate

Keeping your personal information accurate and up to date is very important. If your personal information is incomplete, inaccurate, or not current, please use the Contact Us option on our website.

Personal Information We Collect Online

How do we collect personal information online?

We collect personal information about you through your computer or mobile devices by the use of cookies and similar tracking technologies as well as personal information you provide when you visit or use our Sites and Mobile Apps, for example when you:

  • Apply for or open a new account
  • Register for a new product or service
  • Request information about a product or service

We may use third-party providers to process personal information for business purposes on our behalf. Third-party providers are contractually obligated to comply with our policies to protect information we share with them, or they collect on our behalf.

The personal information we collect is limited to what is required to provide our products or services and to support legal and risk requirements. For additional information, please review the How do we use your personal information section of this Notice.

Types of personal information we collect online

The type of personal information we collect from and about you online will depend on how you interact with us and may include:

  • Contact information such as name, mailing address, email address, telephone, and mobile number(s).
  • Account Application information such as credit and income information.
  • Identifiers such as Social Security number, account number(s), driver’s license number (or comparable) or other information that identifies you for ordinary business purposes.
  • Access authorization such as user ID, alias, PIN and password and security questions and answers.
  • Documents or images submitted via our Site or Mobile Apps to support account opening, such as statements and voided checks.
  • Information from your computer and mobile devices where allowed by individual browsers and/or operating systems, such as:
    • Unique device identifiers (for example Media Access Control (MAC) and Internet Protocol (IP) addresses)
    • Browser type, version, language, and display/screen settings
    • Information about how you use and interact with our Sites and Mobile Apps (for example activities on pages visited, and links clicked or unique and measurable patterns such as keystrokes, mouse clicks and movements, swipes, and gestures)
    • Communications data, such as your communication preferences and details or the content of your communications with us (e.g., chat messages).
    • Log information such as your search and voice to text queries in the mobile app ο Search engine referrals
    • Geolocation information with consent (for example ATM or financial center location, fraud prevention)

How We Use and Share Personal Information

How do we use your personal information?

Personal information collected from and about you online described in this Notice may be used for several purposes such as:

  • Delivering products and services to you by verifying your identity (for example when you access your account information); processing applications for products or services such as: opening an account, and or other financial product; processing transactions; providing customer service/production support; finding nearby ATMs, financial centers, and other specialized location-based services near your location.
  • Personalizing your digital and mobile experience by enhancing our Sites and Mobile Apps organization and design and analyze data to create relevant alerts, products, or services.
  • Providing advertising on our Sites and Mobile Apps as well as non-affiliated third-party sites and through off-line channels like financial centers, call centers and direct marketing (for example email, mail, and phone).
  • Detecting and preventing fraud, identify theft and other risks to you or the Bank of Prague.
  • Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view.
  • Complying with and enforcing applicable legal requirements, industry standards, contractual obligations, and our policies.
  • Allowing you to use features within our Sites and Mobile Apps when you grant us access to personal information from your device, such as contact lists, or geo-location when you request certain services that requires such access, for example locating an ATM.
  • Providing notifications concerning events for which you have registered, providing analysis to improve our events and develop new events, determining event overall effectiveness, enhancing products and services, operating, and expanding our business activities.

We retain personal information for a period of time as required by laws and regulations and for the necessary business purpose. We securely delete personal information as soon as legally permitted.

With whom do we share your personal information?

We may share the personal information we collect from and about you online described in this Notice (and subject to other legal restrictions and notices you may have received depending on your relationship with us) with:

  • Affiliates and subsidiaries of Bank of Prague.
  • Third-party providers who have contracts with Bank of Prague including vendors, organizers, volunteers, contractors, and sponsors.
  • Government agencies as required by laws and regulations.

Aggregated/de-identified information

Collected personal information may be aggregated and/or de-identified (we remove any details that identify you personally). We may share this aggregated and/or de-identified information with third-party providers to help deliver products, services, and content that are better tailored to the users of our online services and for our own business purposes where permissible under applicable laws and regulations.

How to limit sharing

You have choices regarding the sharing of some personal information. Where appropriate, we will limit the sharing of your personal information based on your privacy choices.

Online Behavioral Advertising

Personal information collected from and about you online, as described in this Notice, is used, and shared to deliver advertising and marketing, including prescreened offers of credit, which may be of interest to you.

We present tailored ads to you:

  • On our Sites and Mobile Apps through ads that appear as you sign on or off of your online accounts.
  • In off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone).
  • On third-party sites and mobile apps not affiliated with Bank of Prague.

How we tailor ads to you

  • Advertising on our sites, mobile apps and off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone): We may use personal information about your activities on our Sites and Mobile Apps, such as pages visited and key words entered, to help determine which of our ads or offers may be of interest to you. We may use personal information about your relationship with us (such as types of accounts, transactional information, or the location in which you bank) to help determine which advertisements or offers to present to you.

How you can opt out of Online Behavioral Advertising

You have choices about how Bank of Prague advertises to you based on your online behavior.

  • Advertising on our Sites and Mobile Apps and off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone): If you prefer, we not provide you with tailored content and advertising based on your online behavior with our Sites and Mobile Apps, you may opt out of online behavioral advertising. Please review the important Reminder section that follows.

Industry standards continue to evolve around web browser “do not track” signals or configurations set in your internet browser. In addition to the advertising opt-out options above, Bank of Prague captures opt out preference signals, and to the extent users have rights under applicable law, treats them as valid requests to opt out of sale/sharing at the browser level.

Reminder

Please note that if you opt out of this advertising:

  • You may still receive general advertising from the Bank of Prague.
  • When accessing online account servicing areas (i.e., after login), such as Online Banking, you may receive tailored content and advertising based on your account relationships.
  • In order for online behavioral advertising opt outs from our Sites and Mobile Apps and on other sites to work on your device, your browser must be set to accept cookies.
  • If you delete cookies, buy a new device, access our Sites and Mobile Apps or other sites from a different device, login under a different screen name, or change web browsers, you will need to opt out again.

Additional Information

Third-party data sharing

Some companies may offer aggregation websites and services that allow you to share your data with them in order to consolidate your account information from different sources (such as your accounts with us or with other financial institutions) so that you can view it in one location or perform actions related to your accounts using their services. To do this, a third party may request you to authorize access to your Bank of Prague accounts by providing your Bank of Prague user ID and password or by providing your information-sharing consent directly to Bank of Prague.

  • The third party may access, on your behalf, information about you, your Bank of Prague relationship, and your accounts at Bank of Prague.
  • You should use caution and ensure that the third party has appropriate policies and practices to protect the privacy and security of any personal information you provide or to which they are gaining access.
  • Use of your information by the third party is governed by your agreement with them, not by Bank of Prague. We recommend reviewing the third parties’ policies before sharing your personal information to understand how they will use and store your account information.
  • We are not responsible for the use or disclosure of any personal information accessed by any company or person to whom you provide your site user ID and password.
  • If you share your Bank of Prague user ID, password, or other information about your accounts with others, we will consider that you have authorized any transaction or action initiated by using the access information you provide.
  • If you decide to revoke the authority you have given to a third party, we strongly recommend that you change your Bank of Prague password to ensure that the third party cannot continue to access your account.

Social media

Bank of Prague engages with customers on social media platforms such as Facebook®, and LinkedIn®.

  • Any content you post on official Bank of Prague managed social media pages, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms.
  • Please review the privacy policy for the specific social media service you are using to better understand your rights and obligations with regard to such content.

Read our Mobile Privacy Disclosure.

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