Effective Date: September 1, 2023
The American Bankers Association (ABA) is committed to protecting your personal data.
This Privacy Policy applies to the websites, online services, and mobile applications controlled by ABA ("ABA," "we," "us," or "our"), including subsidiaries and affiliates, where this Privacy Policy is posted (the "Services"). This Privacy Policy applies to all users, including both those who use the Services without being registered with or subscribing to an ABA service, and those who have registered with or subscribed to an ABA service. Please read this Privacy Policy carefully. By using the Services, or purchasing products or services from us, you agree to be bound by this Privacy Policy.
This list includes these sites and their subdomains (but not limited to):
The ABA collects (i) personal data voluntarily supplied by you when you register on the Services, and (ii) tracking information collected as you navigate the Services. In particular, the ABA collects the following information from and about you:
We use the personal information we collect from, and about you, to:
We process personal information per applicable law and with transparency and fairness. Our processing activities are conducted:
The ABA may share your personal information for the purposes of Section 3 above to the following categories of recipients (for residents of the EU, subject to Sections 6 and 7), and such may have their own policies and procedures:
For individuals located in the European Union (EU) or participating in activities outside of the US that you have consented to, your personal information may be transferred to countries outside the EU, in particular to the United States. Some non-EU countries are recognized by the European Commission as providing an adequate level of data protection according to EU standards. The full list of these countries is available at https://ec.europa.eu/info/law/law-topic/data-protection_en. For transfers from the EU to countries not considered adequate by the European Commission, we have put in place appropriate and suitable safeguards to protect your personal data and that the transfer of your personal data is in compliance with the requirements and the obligations provided by applicable data protection laws, such as standard contractual clauses adopted by the European Commission as per Articles 45 and 46 of the EU General Data Protection Regulation 2016/679.
We give you choices regarding our use and disclosure of your personal information for marketing purposes. You may withdraw your consent to:
Additionally, EU subjects may:
The above rights are subject to applicable limitations and restrictions. In certain cases, your request may be denied based on a legitimate exception such as where we are prevented from disclosing such information based on legal requirements, fraud prevention, or security concerns, or when we need to maintain the information. For more information or to make a request, please contact [email protected].
Remember that even after you cancel your account, or if you ask us to delete your personal information, copies of some information from your account may remain viewable in some circumstances where, for example, you have shared information with other services. We may also retain backup information related to your account on our servers for some time after cancellation or your request for deletion, to comply with applicable law.
California law permits residents of California to opt-out of the ABA's disclosure of personal information to third parties for their direct marketing purposes. You may choose to opt-out of the sharing of your personal information with third parties for marketing purposes at any time by contacting us at [email protected]. Please note that this opt-out does not prohibit disclosures made for non-marketing purposes. California law also permits residents of California to request and obtain from us once per year, free of charge, a list of the third parties (if any) to whom we have disclosed personal information for their direct marketing purposes in the prior calendar year, as well as the type of personal information disclosed to those parties. If you are a California resident and would like to request this information, please submit your request in an email to [email protected]. The email subject line must include the phrase "Your California Privacy Rights," and include your name, email address or mailing address.
We do not support "Do Not Track" browser settings and do not currently participate in any Do Not Track frameworks that would allow us to respond to signals or other mechanisms from you regarding the collection of your personal information.
Pursuant to the California Consumer Privacy Act, California residents have the following specified rights:
To exercise the above rights, a California consumer may only make a personal information request twice in a 12-month period. Next, ABA seeks to verify the requester’s identity. ABA will respond within 45 days of receiving a personal information request.
ABA has collected personal information in the following categories of personal information over the past 12 months: identifiers (such as contact information provided at registration), user name and password, Internet/electronic activity, geolocation, and professional or employment related information (such as bank name and address, your primary function at the bank, your title, and your phone number when you register).
ABA has collected personal information from sources including: the individual or designee submitting the information, a third party authorized to provide the information, or the business observing activities and recording the information, such as through the use of cookies. The business purposes for which ABA collects this information includes:
We use, and allow certain third parties to use, cookies, web beacons, and other similar technologies to enhance the Services and to help collect data. We, or third parties, may use session cookies or persistent cookies. Session cookies only last for the specific duration of your visit and are deleted when you close your browser. Persistent cookies remain on your device's hard drive until you delete them, or until they are set to expire. Some web browser will automatically expire persistent cookies at thirteen months, but others will respect the date set by the owner of the cookie, which may be shorter or longer than that. Different cookies are used to perform the following different functions:
You can also set your cookie preferences specifically for this website, using the button below. Note that the preferences you set here will only remain in place on the device and browser you are currently using, and you will need to make the same selections again if you change devices or browsers, or if you clear your cookies.
To manage your privacy preferences for other ABA domains covered by this privacy policy, please visit the pages below:
There are several ways to manage cookies. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. The Help feature on most browsers provide information on how to accept cookies, disable cookies, or to notify you when receiving a new cookie. Please note, however, that many of the cookies we use are "strictly necessary" cookies. By blocking or deleting them, you will not be able to access certain features of the Services. For more information about cookies and how to block them, please visit allaboutcookies.org.
In the US, the Network Advertising Initiative also offers a means to opt out of a number of advertising cookies. Please visit www.networkadvertising.org to learn more. Note that opting out does not mean you will no longer receive online advertising. It does mean that the company or companies from which you opted out will no longer deliver ads tailored to your web preferences and usage patterns.
In addition, you may set preferences with specific services.
ABA takes the security and privacy of your personal information seriously. Please be aware, however, that no data transmission over the Internet can be guaranteed to be 100% secure. Consequently, we cannot ensure or warrant the security of any information you transmit to us. Any information that you transfer to us is done at your own risk. If we learn of a data security system breach, we may attempt to notify you electronically regarding security, privacy, and administrative issues relating to your use of the Services. We may post a notice on the Services if a security breach occurs. We may also send an email to you at the email address you have provided to us. Depending on where you live, you may have a legal right to receive written notice of a data privacy or security breach.
In the event that all or part of our assets are sold or acquired by another party, or in the event of a merger, you grant us the right to assign the personal information we have collected from you.
The Services contain links to other websites. The ABA is not responsible for the privacy practices of unaffiliated companies, and once you leave the Services, you should read the applicable Privacy Policy of the other service.
We may update this Privacy Policy from time to time, so please visit this page periodically and review for changes. We will notify you of material changes to this Privacy Policy by posting a notice on our home page for a reasonable period of time and changing the "Effective Date" above. Your continued use the Services following the posting of changes will constitute your acceptance of the changed terms.
Your visit to the Services is subject to both this Privacy Policy and our Terms of Use, where applicable. If you have any questions, comments or concerns regarding this Privacy Policy, please contact us by email [email protected] or by postal mail at:
Privacy, American Bankers Association, 1333 New Hampshire Avenue, Washington, DC 20036