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Privacy Notice

 

At RBC Bank (USA) (sometimes referred to in this Notice as “RBC Bank”), privacy and security are among our highest priorities and remain the cornerstones of our commitment to you. We are dedicated to keeping the trust you place in us.  Privacy protection is a responsibility we take seriously. That is why we would like to take this opportunity to explain to you that as our client, we are committed to safeguarding your personal information.  Please read this notice entirely as it contains information regarding your rights under certain U.S. privacy laws and RBC Bank’s privacy policy. We may amend this notice from time to time and will provide you with a revised notice as appropriate.

RBC Bank (USA) Privacy Notice

For purposes of this Privacy Notice, “we” means RBC Bank (USA), RBC Bank (Georgia), and RBC
Bancorporation (USA). This Privacy Notice covers the personal information of individuals who are current and former RBC Bank clients. Part of what you expect from the RBC family of companies* is information – such as information about the history of transactions in your account or current market information. However, the information you provide to us is equally important. This Privacy Notice is intended to provide you with a full understanding of the information we collect about you and our guidelines for sharing and safeguarding that information with others.

Confidentiality and Security

We consider the information we have about you to be confidential, including the fact that you are a RBC Bank client (unless you tell us otherwise).  Your information will be handled in the manner described in this notice. We restrict access to information about you to those employees and authorized agents who need to know that information. We maintain physical, electronic and procedural safeguards that comply with federal standards to maintain the confidentiality of your information.

Information We Collect

At RBC Bank (USA), we collect the following types of information about you:

  • Information you provide on new account forms, applications, or agreements you enter into in order to receive our products or services, including your name, address, social security number, income, and investment objectives;
  • Information about your transactions with us; and
  • Information from a consumer reporting agency (for example, your credit history or other facts relating to creditworthiness) or from other parties or sources such as public databases.

We may also receive information from other affiliates in the RBC family of companies, in accordance with that affiliate’s privacy policy.

Third Parties To Whom We Disclose Information

We do not sell information about our current or former clients. We share or disclose information we collect about our current or former clients with third parties only as permitted by law.  Some examples of legally permitted sharing or disclosures to third parties include:

  • Sharing of information to properly manage our business. This includes sharing information to service your accounts, to comply with laws, and for other routine business practices. For example, we may share information with third parties to process your statements, to comply with court orders, or for tax reporting.
  • To companies who perform marketing or research services on our behalf or with whom we have joint marketing agreements. These include companies performing marketing services on our behalf, such as mailing materials advertising our products or services, performing research, or assisting us with evaluating our client service quality. Joint marketing arrangements include agreements where another financial institution offers a product or service jointly with a member of the RBC family of companies, such as Visa**. These companies must limit their use of the information to the purpose for which it was provided.
  • To other parties as authorized by you. You may direct us, for example, to send your account statements and confirmations to third parties.

Sharing Within the RBC Family of Companies

We may share information about you within the RBC family of companies to better serve your financial needs, and keep you informed of the full range of financial services that a global financial services organization has to offer.
Sharing of certain types of information with our affiliates, including our transactions and experiences with you, is useful for us to conduct business and is permitted by law.

You Have Choices

Limiting Sharing of Information within the RBC Family of Companies You may choose to instruct us not to share with other members of the RBC family of companies certain credit history information. Credit history information includes information about you concerning your eligibility for items such as credit or insurance as well as information obtained directly from your credit report. Please note your instructions to not share credit history information will not prohibit us from sharing information regarding our transactions and experiences with you or other information that is permitted by law to share.

Limiting Marketing

You may limit our affiliates in the RBC family of companies, such as, securities and insurance affiliates, from marketing their products or services to you based on your personal information that we collect and share with them. This information includes your income, your account history with us and your credit score.

Your choice to limit marketing offers from our affiliates will apply until you tell us to change your choice; therefore, unless you wish to make a change, once you have indicated your preference to us, you do not need to act again.

This choice may be made now or at any time in the future. For clients holding joint accounts with us, we will accept a decision from any party named on the account. This decision will apply to all parties named under the account.  To exercise your choice to opt out of our sharing credit history information or to limit affiliate marketing, please call us at 1-800-236-8872 and inform one of our agents about your choice.

*The RBC family of companies is a group of global financial services companies dedicated to serving your financial needs. It is comprised of Royal Bank of Canada (“RBC”) and its subsidiaries or controlled companies which are all affiliates of one another. It is one of the largest providers of financial products and services in the world.

** RBC Bank (USA) is licensee of the trademark.