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 Privacy Notice

Privacy Notice

Rev. July 2015

We recognize, respect and protect the personal privacy rights of all our customers and work diligently to safeguard your privacy. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as the personal information of all consumers who visit our institution.

The following privacy notice explains how we use and protect the information about our customers. We ask that you read it carefully.

Privacy Notice - Rev. 07/2015

 Online Privacy Notice

Online Privacy Notice

Revised 05/09/2017

This Online Privacy Notice (the “Notice”) applies to anyone who visits BofI Federal Bank (“BofI,” “Bank,” “us,” “our,” “we”), its website (the “Site”), or any of its affiliate sites. This Notice describes how the Site may collect, use, and share information from or about you.

Information you provide to us when you apply for or receive a product from us is governed by our Privacy Notice. Your use of this Site constitutes your acceptance of the BofI Federal Bank general terms and conditions, which we may change or modify at any time at our sole and absolute discretion and which are available on our Disclosures page.

Information Collected

Cookies are small files that capture information about your activity on this Site; they are stored on your computer. The type of information gathered may include pages visited and time spent on the Site. No Personally Identifiable Information (“PII”) is gathered or stored via cookies. We may use the information gathered to display information more effectively, personalize communications, and to advertise our products via third-party advertising partners. We collect Google Authenticated identifiers and personal information for remarketing audiences.

You can refuse to accept these cookies by configuring your device and browser settings accordingly. You will need to manage your cookie or token settings for each device and browser you use to access this Site. If you elect not to accept these cookies, you may experience some inconvenience during your use of this Site. You also may not receive personalized advertisements and offers from us that may be relevant to your interests and needs. You may also opt out of having some information collected by visiting the following link: https://tools.google.com/dlpage/gaoptout/.

Why We Collect Information

BofI uses third-party Display Advertising Features to better understand our customers and their needs, to offer the best experience and products, and to take full advantage of Google Analytics Advertising Features for our remarketing audiences.

In order to facilitate this understanding, we collect “Online/Mobile Activity Data.” Online/Mobile Activity Data includes, without limitation, data such as your IP address, your browser type and language, and your display/screen settings; data about how you use and interact with the Site and mobile advertisements; data about your mobile device; advertising identifiers; geolocation data; social media preferences and other social media data; and other data that may be aggregated and/or de-identified (information that doesn’t identify individual consumers or customers).

How We Collect Information

When You Use or Visit the Site

We may collect information about you when you browse the Site or use our online services. We may collect PII when you voluntarily provide it to us through forms on the Site or our mobile applications, such as survey forms, credit card or bank account applications, contest entries, and login pages for online banking or mobile application access.

Data captured from users may be personally identifiable and is used in efforts to better meet the needs of our broader customer base and identify better services and products and to improve our remarketing efforts. Any data captured is in compliance with third-party privacy requirements. Captured data is aggregated and can include, but is not limited to, location, population segmentation, gender, and use of site.

BofI may facilitate the merging of PII with non-personally identifiable information, without prior proper notice to the user and an opt-in consent process.

BofI and its affiliates may also use cookies and other online tracking devices, pixel tags, and clear GIFs (also known as web beacons) to collect Online/Mobile Activity Data from you depending on your browser settings. Cookies are small text files that a website’s server places on your computer. Cookies provide a means for websites that you visit to track browsing activities conducted with your computer. A web beacon is a small string of software code that represents a graphic image on a website or email.

When You Use Our Mobile Apps

Additionally, we may collect Online/Mobile Activity Data when you access our mobile applications or use the browser on your mobile device to access our website. For example, if you have enabled location services on your mobile device, we may collect geolocation data from your device.

When You Use Our Social Media Pages

BofI and its affiliates have official pages on social media websites including, but not limited to, Facebook®, Google+, Twitter®, Pinterest®, LinkedIn®, and YouTube® that enable consumers and customers to discuss their experiences with our banking products and services. We may also partner with companies that operate social media websites through which you may engage with the Bank. When you interact with us on social media websites, we may collect information such as your likes, interests, feedback, and preferences. When you interact with our partners, you are subject to their terms of use and privacy policies. We may collect information from our social media partners, but only if you choose to share with them and they, in turn, share such information with us.

Never include sensitive personal, financial, or other confidential information such as your Social Security number, account number, phone number, mailing address, or email address when posting or commenting online. Any posts you make on our official social media pages -- including posts that contain pictures, comments, suggestions, opinions, complaints, or personal information -- are available to others who use those pages and are subject to the terms of use and privacy policies of the companies that operate the websites on which they appear. Please refer to the policies of those companies to better understand your rights and obligations with regard to such posts. You are also subject to this Online Privacy Policy Statement and our social media guidelines when you visit our official social media pages.

Third-Party Advertising Partners

We may contract with companies to distribute certain online advertisements on websites. These companies may use cookies, and tracking pixels/web beacons to display advertisements of our products to you when you are on other, third-party websites that are affiliated in some way with the advertising partners. The information collected and shared via cookies is not anonymous and may contain PII.

You may choose to opt out of the use of third-party marketing cookies through the Network Advertising Initiative. This opt-out is valid only for the computer/browser combination used to opt out. Clearing cookies will remove the opt-out since it is stored in a cookie.

Linkage to External Sites

We may provide links to third-party external websites. If you follow links to websites not affiliated or controlled by the Bank, you should review their privacy and security policies and other terms and conditions, as they may be different from ours. The Bank does not guarantee and is not responsible for the privacy or security of these third-party external websites, or for any information represented in these websites.

Security

To protect personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. Please refer to our Security notice for more information.

Mobile Applications

The Bank’s Mobile Banking application (the “App”) allows you to check your available balances, view transaction history, view and activate your cash back offers, transfer funds between accounts, and pay your bills. This Notice and the Mobile Banking disclosure apply to any personal information and other information that we may collect through the App.

Minimum Browser Requirements

Please refer to the “Security Features” section in our Online Banking disclosure for information on minimum browser requirements.

Using Other Aggregation Sites

If you provide your Site username, password, or other information about your accounts with us to an aggregation website, we will consider that you have authorized all transactions or actions initiated by an aggregation website using access information you provide, whether or not you were aware of a specific transaction or action. If you decide to revoke the authority you have given to an aggregation website, we strongly recommend that you change your password for the Site to ensure that the aggregation website cannot continue to access your accounts.

Updating Your Information

Keeping your account information up-to-date is very important. You may review or update certain account information by logging into your account online. If you cannot change the incorrect information online, or you prefer to request changes offline, please use the Contact Us option on our Site, call or write to us using the contact information listed here or on your account statements, records, or other account materials.

How to Report Identify Theft, Fraud, or Suspected Lost Stolen Cards

For information regarding identity theft and fraud, how to protect yourself, and what to do if you believe you are the victim of identity theft or fraud, please visit our Protect Your Identity disclosure.

Protecting Children’s Privacy Online

The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. The Bank does not knowingly collect, use, or disclose personal information from or to children under age 13 without obtaining written, verifiable consent from a parent or legal guardian. Our Site is directed to a general audience, and it may be accessed by the public.

The Children’s Online Privacy Protection Act (“COPPA”) protects children under the age 13 from the online collection of personal information. For more information about COPPA, visit the Federal Trade Commission website: http://www.ftc.gov/opa/reporter/privacy/coppa.shtml

Changes to This Notice

This Notice is subject to change at any time and from time to time, at our sole and absolute discretion. It is your sole responsibility to review it periodically. If we modify the Notice, we will post the revised statement here and indicate the revision date at the top of the Notice. Any changes to this Notice will become effective immediately upon posting to this Site. Your use of this Site following these changes constitutes your complete acceptance of the revised Notice.