Digital Privacy Policy (Canada and US)
Last Updated: September 23, 2024
“Personal Information” is information about you that you provided to us or information we collected from other sources such as credit reporting agencies, and includes your name, address, age, financial data, Social Insurance Number/Social Security Number, employment information, and other information that could be used to identify you.
Each time you use our Services, you are indicating your acknowledgement and consent to the collection, use, and disclosure of information about you collected through our Services as set forth in this Policy and subject to applicable law. We may revise this Policy periodically at any time. We will let you know of any changes by posting a revised Policy on our website with a new effective date.
The Services are not intended for children under 13, and children under 13 should not provide Personal Information online without a parent or guardian’s consent. If a parent or guardian becomes aware that their child under the age of 13 has provided us with their information, please contact us.
We and/or our service providers may use various tools, such as Cookies, Pixel Tags, Web Beacons, Software Development Kits (SDKs) and device identifications on our websites, mobile applications, and in our emails and advertisements for security and fraud prevention, analytics, personalization and to provide you with relevant marketing. These tools help us capture user activity for analysis to better understand use and effectiveness of the websites, ads, and emails; show relevant information; enhance user experience; and identify potentially compromised devices or accounts.
Cookies are a string of data used to help remember information about website visitors, sent between a server and a web browser to, for example, help facilitate the use of a website (for example, by remembering a user’s preferences or language) and to help understand how a website is being used and in our emails to monitor user activity. Cookies are a common technology and most web browsers automatically accept cookies by default. If you decide that you do not wish to accept cookies, refer to your browser’s settings or online help for further instruction and information on setting and clearing cookie preferences. Because cookies are generally browser-specific, your choices will need to be applied to each web browser you use. If you would like to use our Services you will be required to accept these cookies to maintain session integrity and enhanced security.
The cookies and other similar technologies that we use on our websites can be categorized into the following groups:
- Strictly necessary cookies and other technologies are essential in order to enable you to move around a website and use its features, such as accessing secure areas of the website. Without these cookies, certain services you may have asked for cannot be provided. These cookies do not gather information about you that could be used for marketing or remembering where you have been on the Internet.
- Performance cookies and other technologies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they receive error messages from web pages. These cookies do not collect information that identifies a visitor. All information these cookies collect is anonymous and is only used to improve how a website works.
- Functionality cookies and other technologies allow a website to remember choices you make (such as your username, language or the region you are in) and provide enhanced features. These cookies can also be used to remember changes you have made to text size, font and other preferences on web pages that you can customize. They may also be used to provide services you have requested, such as watching a video. The information these cookies collect may not always be anonymous and by using our websites, you agree that we can place these types of cookies on your device.
- Marketing and Advertising cookies and other technologies allow us and our partners to provide you personalized, interest-based advertising, which could include geolocated advertising.
Pixels: Our emails may contain a single, campaign-unique “web beacon pixel” to tell us whether our emails have been opened and, combined with other technology, verify any selection on the links within our email(s). We may use this information for determining which of our emails are more interesting to you and to query whether users who do not open our emails wish to continue receiving them. The pixel is deleted when you delete the email. If you do not wish the pixel to be downloaded to your device, please select to receive emails from us in plain text rather than H T M L, choose not to select links that we send you, or unsubscribe from the receipt of our emails. Pixel-related information may be connected to your personal identity.
B M O Digital Banking Authentication Processes capture and store your device information as well as information you provide in order to confirm your identity each time you visit our secure websites. When you apply for or purchase a new product online, register for a secure online service or activate an existing product, the application you complete may include an online authentication process. The information that you provide in your application may be compared against the information contained in your consumer credit report to validate your identity and authenticate you as the customer.
Third Party Links
Our websites may contain links to other sites that we do not own or operate. Also, links to our websites may be featured on third party websites on which we advertise, or in instances that we have not endorsed. We do not manage, and we are not responsible for, the digital marketing and cookie practices of third parties, for example, third party websites linked to/from BMO digital channels. The linked websites have separate and independent privacy statements, notices and terms of use, which we recommend you read carefully.
Contact Us
The branch, office or channel where you interact can answer any questions you may have. If your concerns are not resolved, please involve the Manager/Supervisor. Alternatively, contact us at: