Your privacy is important, so we'd like to explain what information we collect when you visit UseMyBank (http://www.usemybank.com), why we collect it and how it is used. We'd also like to explain your options to access and control your information, our data security practices and other matters. This Policy is governed by our Terms and Conditions of Use. A summary chart can be found by clicking here.

THE PRIVACYBOT TRUSTMARK

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SPECIAL NOTE ABOUT CHILDREN

This Site is not intended for children, especially kids under 13. Children may use this Site only with the direct supervision of their parent.

WHAT INFORMATION DO WE COLLECT FROM YOU? WHY?

We May Profile You Individually.

We may build a profile of your online habits, interests and activities when you use our Site. This profile is linked to your personal identity. We compile individual profiles from "real world" contact information (e.g., street address, phone/fax), email addresses, information about user PCs (e.g., IP address or browser type), the personal preferences of users (i.e., favorite color, music, books), and we use these profiles for the purposes described below (please scroll down to each topic for details).

We May Collect Information Needed to Contact You Later:

If we collect personal contact information (as described below), you may not access or modify it later, but you may remove it from our system. You may choose simply not to provide personal contact information by opting-out at the point of collection.

We May Collect Your Name, Address and Phone Number. When you use our Site, we may request your name, street address, telephone number or other "real world" contact information. This information may reveal your identity or be linked to you personally. We use this information to complete and support the immediate activity requested, administer and run the Site, customize and personalize content to your request, improve the Site for everyone, market things to you in the future (other than by telemarketing), tailor an instant offer to you during your visit, build a profile of your habits, interests or activities to treat you as an individual, build individual profiles for ongoing research, analysis and reporting, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed to our staff and our immediate agents, and to other organizations adhering to our privacy practices.

We May Collect Your Email Address. We may request your email address or other information needed to contact you online. This information may reveal who you are or be linked to you personally. We use it to complete and support the immediate activity requested, administer and run the Site, customize and personalize content to your request, improve the Site for everyone, market things to you in the future (other than by telemarketing), tailor an instant offer to you during your visit, build a profile of your habits, interests or activities to treat you as an individual, build individual profiles for ongoing research, analysis and reporting, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed to our staff and our immediate agents, and to other organizations adhering to our privacy practices.

We May Collect Other Kinds of Information from You:

When you use our Site, we may collect personal information about you described below. You may not be able to access or modify the information later, but you may have it removed. You may choose simply not to provide actively gathered information by opting-out at the point of collection.

You May be Prompted for a Government-Issued ID Number. We may ask you to enter your social security number, employer ID or similar identifier, so we can recognize you. We use this information to comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed to our staff and our immediate agents, and to other organizations adhering to our privacy practices.

You May be Prompted for a UserID and Password. We may ask you to enter a web site ID, password, or other personal identifier, so we can recognize you. We use this information to complete and support the immediate activity requested, administer and run the Site, customize and personalize content to your request, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed to our staff and our immediate agents, and to other organizations adhering to our privacy practices.

We May Collect Purchase Information. We may collect information resulting from a specific purchase you make, such as payment method and credit card numbers, associated with your personal identity. We use this information to complete and support the immediate activity requested, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed to our staff and our immediate agents, and to other organizations adhering to our privacy practices.

We May Collect Information About Your Finances. We may collect information about your financial account status, purchase and payment history and other financial data associated with your personal identity. We use this information to complete and support the immediate activity requested, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed only to our staff and to our immediate agents.

We May Collect Information About Your Computer. When you visit our Site, we may automatically collect information about your computer configuration, such as your browser type, operating system, IP address or ISP domain name. In some cases, this information may reveal your identity or be linked to you personally. We use this information to complete and support the immediate activity requested, administer and run the Site, customize and personalize content to your request, improve the Site for everyone, build a profile of your habits, interets or activities to treat you as an individual, build individual profiles for ongoing research, analysis and reporting, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed to our staff and our immediate agents, and to other organizations adhering to our privacy practices.

We May Collect Navigation and Clickstream Data. As you browse our Site, we may gather navigational and clickstream data that shows what pages are visited and how long various features are used. In some cases, this information may reveal your identity or be linked to you personally. We use this information to complete and support the immediate activity requested, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed to our staff and our immediate agents, and to other organizations adhering to our privacy practices.

We May Collect Interactive Data. You may decide to input data while using certain interactive features at our Site, such as queries submitted to a search engine. This information will not reveal your identity or be linked to you personally. We use this information to complete and support the immediate activity requested, administer and run the Site, and to comply with any requirements of law. This information may be disclosed only to our staff and to our immediate agents.

We May Collect Demographic Data About You. We may collect information about your demographic or social characteristics, such as gender, age and income level. This information may reveal your identity or be linked to you personally. We use this information to complete and support the immediate activity requested, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed to our staff and our immediate agents, and to other organizations adhering to our privacy practices.

We May Keep Note of Your Personal Preferences. We may gather information concerning your personal likes and dislikes, such as your favorite color, taste in music, books or other Site content. This information may reveal your identity or be linked to you personally. We use this information to complete and support the immediate activity requested, administer and run the Site, improve the Site for everyone, market things to you in the future (other than by telemarketing), tailor an instant offer to you during your visit, build a profile of your habits, interests or activities to treat you as an individual, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed to our staff and our immediate agents, and to other organizations adhering to our privacy practices.

We May Collect Your Online Postings and Content. Certain features of our Site may allow you to contribute content, such as instant messages, chat room postings and the like. Although you may choose to identify yourself in your postings, contributing content does not inherently reveal your personal identity. We use this information to complete and support the immediate activity requested, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed to our staff and our immediate agents, and to other organizations adhering to our privacy practices.

CERTAIN EXCEPTIONAL DISCLOSURES

We may disclose your information if necessary to protect our legal rights or if the information relates to actual or threatened harmful conduct. Disclosure may be required by law or if we receive legal process.

WHAT ARE COOKIES? WHY DO WE USE THEM?

Cookies are small files stored by your browser in your computer when you visit our Site. We use cookies to improve our Site and make it easier to use. Cookies permit us to recognize users and avoid repetitive requests for the same information. We mostly use "session cookies" that are automatically deleted after each visit. Cookies from our Site can't be read by other sites. Most browsers will accept cookies until you change browser settings to refuse them.

HOW DO WE PROTECT INFORMATION WE COLLECT?

We offer secure web pages to collect certain kinds of user information and we store certain kinds of data in encrypted form. We follow reasonable technical and management practices to help protect the confidentiality, security and integrity of data stored on our system. While no computer system is completely secure, we believe the measures implemented by our Site reduce the likelihood of security problems to a level appropriate to the type of data involved.

HOW LONG DO WE KEEP USER INFORMATION?

We generally keep user data on our server or in our archives for as long as we reasonably need it. We may alter this practice according to changing requirements. For example, we may delete some data if needed to free up storage space. We may keep other data for longer periods if the law requires it.

Data management requests are administered in an orderly manner to the extent feasible and within our direct control. Note: we have greater control over recently collected data than for archived data. Once data is removed from the system and archived, it may not be feasible to accommodate specific requests. In those cases, our general data retention policy applies.

YOUR CONSENT TO THIS POLICY

By using our Site, you agree to this Policy. This is our entire and exclusive Privacy Policy and it supersedes any earlier version. Our Terms of Service take precedence over any conflicting Policy provision. We may change our Policy by posting a new version on our Site.

LEGAL DISCLAIMER

This Site operates AS-IS and AS-AVAILABLE, without liability of any kind. We are not responsible for events beyond our direct control. This Policy is governed by Ontario law, excluding conflicts of law principles. Any legal actions against us must be commenced in Ontario within one year after the claim arose, or be barred.

IF YOU HAVE A PRIVACY QUESTION