Online Privacy Notice
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 Virtus Bank (a division of 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.
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.
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
Third-Party Advertising Partners
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.
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.
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.