Online Privacy
INTERNET PRIVACY PRACTICES
Last updated June 30, 2014
Protecting Your Privacy Online
Rabobank, N.A. is aware of your concerns when it comes to Internet security and safety issues. We want you to know how we will handle the information we learn about you from your visit to our website(s). This privacy statement applies to your visits to our website(s) and, by using our site, you agree to the terms and conditions of this notice.
Information We Collect Online
The information we receive about you depends upon what you do when visiting our website(s). You may visit our website(s) anonymously. In this case, we will collect information about your online browsing and transactions, including your preferences, pages visited and technical information regarding your computer and operating systems; such as your Internet Protocol (IP) address, domain name, system configuration and settings. We use the above information to collect and measure the number of visitors to the different sections of our website(s), and to help us stay abreast of technical upgrades that can make our website(s) more accessible and innovative for our visitors. This information, which does not identify individual customers, is used by Rabobank, N.A. for its business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws.
You may choose to provide us with personally identifiable information by completing forms, surveys, applications, or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, social security number, or account numbers. This information allows you to perform certain tasks (such as using our online bill payment service).
Using and Sharing Information
We may share information with third parties that are not related by common ownership or control, such as service providers, credit bureaus, and other nonaffiliated third parties as requested by you or when required or permitted by law. Unless described in this Internet Privacy Practices, we will use and share information in accordance with our Rabobank, N.A. Consumer Privacy Policy.
Online Banking Security
To protect your information, we maintain physical, electronic and procedural safeguards that comply with federal regulations. When you submit private data to us via our secure online banking channel, our internal security standards guard it in several ways. Encryption helps protect it from interception by a third party. The passwords and other safety features we have installed also help ensure that the information you provide us remains safe and secure. Never send us private data via regular e-mail as this is not secured by our procedural safeguards and could be intercepted by a third party outside Rabobank, N.A.
Confidentiality
No one is permitted access to this information except authorized employees and authorized outside service providers who provide services to you.
In addition, you should know about these online information management tools that may offer additional convenience:
Cookies
A cookie is a piece of information that our web server stores on your computer's hard drive and retrieves later. Rabobank, N.A. or our third-party service providers may place cookies on your hard drive to keep track of your preferences and to recognize return visitors. When you return to our website, your browser gives this data back to the server to improve your experience using the site. Cookies allow us to:
- Offer you more relevant products and services;
- Collect technical and navigational information, such as browser type, time spent on our website(s) and pages visited;
- Monitor viewing and responses to Rabobank, N.A.advertisements.
If you have an account with us and access your accounts online, we will maintain information about your visits to personalize your browsing experience and the products and services we offer. These per-session cookies are for online banking functions and system security. When you close your online banking session, the per-session cookie is deleted. We do not use cookies to record information that will enable anyone to contact you via telephone, e-mail, or regular mail. If you do not have an account with us and do not wish us to maintain information, please delete your cookies. To do this, you will need to follow the instructions for disabling or deleting cookies specific to the browser you are using.
Cookies and other technologies provide us the capability to monitor the use of our website(s) so we can continually improve the design and functionality. Cookies we use do not contain or capture unencrypted personal information. If you choose not to accept cookies from our website(s), then you may not be able to access and use all or part of the website(s) or benefit from the information and services offered. By not choosing to accept cookies, you will still receive advertisements on our website(s), but they will not be tailored to your interests or needs.
Consolidation Websites
Online aggregation, or “screen scraping” services, are available to consumers at little or no cost from a number of other firms. Here’s how they work:
- You give the service provider the passwords or other access keys to your various account at banks, brokerage houses and other institutions;
- The service provider then collects statement information from these institutions’ websites on your behalf and aggregates all this information in a single online statement;
- Some services also allow you to initiate online payments or other transactions.
Advertising on our Websites
We advertise our products and services, including offers of credit, on pages within our website(s). These advertisements may take the form of banner ads, splash ads (ads that appear as you sign on or sign off of your online accounts), and other formats. We may use information about your relationship with us, such as types of accounts you have, transactional information, or the state in which you reside to tailor advertisements that may be of interest to you.
Online Behavioral Advertising on our Websites
We also use advertising service providers to help us determine which of our advertisements are most likely to be of interest to you using non-personal behavioral information. Other information collected includes the number of people who look at each of the pages of our website(s), search engine referrals, browsing patterns, and responses to advertisements and promotions. We limit access and collection of information for specific purposes by advertising service providers.
Advertising on other Websites
Rabobank, N.A. contracts with advertising companies such as Google, Yahoo and MSN, to advertise our products and services on websites not affiliated with us. In our efforts to deliver relevant digital advertising to you, we utilize cookies and related technology to evaluate our Sites and to track digital advertising performance. We may engage third party ad service providers to conduct these activities on our behalf. Ad service providers may use behavioral information such as how you browse web sites to determine which of our ads may appeal to you. Any information collected about behavior and ad performance is anonymous. Accordingly, our Sites do not process or respond to "do not track" signals or other similar web browser mechanisms which enable users to indicate an opt-out preference regarding the collection of personally identifiable information. By using our Sites, you acknowledge and agree that anonymous information may be collected.
Online Behavioral Advertising on other Websites
Some of these ads are online behavioral advertising and may contain cookies that allow monitoring of your response to our advertisements. Cookies placed by these companies do not collect personal information, but may collect information such as IP address, time, type of web browser, time zone, and internet domain. We limit companies that place our ads from using information for any purpose other than to assist us in our advertising efforts.
Linking to other Websites
We may provide links to non-Rabobank, N.A. websites, such as credit bureaus or merchants. If you follow links to websites not controlled by Rabobank, N.A., you should review their privacy policies and other terms, as they may be different from those of our website(s). Rabobank, N.A. does not guarantee and is not responsible for the privacy or security of these websites, including the accuracy, completeness, reliability or suitability of their information.
We Respect Your Privacy
As technology continues to advance, you can be sure Rabobank, N.A. will provide safeguards to keep your personal financial information confidential and secure. Your trust is important to us - and we are committed to protecting your privacy, whether you do business with us on the Internet, in person, via telephone or mail. Thank you for choosing us as your financial services provider.
Protecting Children's Privacy Online
We do not knowingly collect information from children under 13 without parental consent. If you are under 13, please do not enter your personal information. For more information about the Children's Online Privacy Protection Act (COPPA), visit the Federal Trade Commission website.
Policy Changes
If it is necessary to make changes to our online privacy policies, we will update this policy with a new effective date.
Where to Find Out More
If you have questions, concerns, or comments about our privacy practices, or the way your information is maintained and used, we would like to hear from you. Please visit your nearby branch, or write us at:
Rabobank, N.A.
Attn: Privacy Officer
915 Highland Pointe Drive, Suite 350
Roseville, CA 95678