Privacy Policy

Effective Date: January 1, 2024

Last Updated: January 1, 2024

Fifth Third Bank ("we," "us," "our," or "Company") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website fifththird.us.com and use our online banking services.

1. Information We Collect

1.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for an account
• Use our online banking services
• Contact customer support
• Subscribe to newsletters or communications
• Participate in surveys or promotions

This information may include:

• Full name
• Email address
• Mailing address
• Phone number
• Social Security Number
• Date of birth
• Account numbers
• Financial information
• Government-issued identification

1.2 Automatic Information Collection

When you access our website, we automatically collect certain information, including:

• IP address
• Browser type and version
• Operating system
• Device information
• Access times and dates
• Pages viewed
• Referring website addresses
• Clickstream data

1.3 Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to enhance your experience. These technologies help us:

• Remember your preferences
• Understand usage patterns
• Improve website functionality
• Provide targeted content
• Analyze site performance

2. How We Use Your Information

We use the collected information for various purposes, including:

• Account Management: To create, maintain, and manage your banking accounts
• Transaction Processing: To process payments, transfers, deposits, and other financial transactions
• Customer Service: To respond to inquiries, provide support, and resolve issues
• Security: To detect, prevent, and address fraud, security breaches, and illegal activities
• Compliance: To comply with legal obligations, regulatory requirements, and industry standards
• Communications: To send administrative information, updates, and promotional materials
• Personalization: To customize your experience and provide relevant content
• Analytics: To analyze usage trends and improve our services
• Marketing: To inform you about products, services, and special offers

3. Information Sharing and Disclosure

We may share your information in the following circumstances:

3.1 Service Providers

We share information with third-party service providers who perform services on our behalf, including:

• Payment processors
• IT service providers
• Data analytics providers
• Customer service platforms
• Marketing and advertising partners
• Security and fraud prevention services

3.2 Legal Requirements

We may disclose your information when required by law, including:

• Compliance with court orders, subpoenas, or legal processes
• Response to government or regulatory requests
• Protection of our rights, property, or safety
• Investigation of fraud or security issues
• Enforcement of our Terms and Conditions

3.3 Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred to the successor entity.

3.4 With Your Consent

We may share your information with third parties when you have provided explicit consent.

4. Data Security

We implement appropriate technical and organizational security measures to protect your information, including:

• Encryption of data in transit and at rest (SSL/TLS)
• Secure server infrastructure
• Firewall protection
• Access controls and authentication
• Regular security audits and assessments
• Employee training on data protection
• Incident response procedures

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services
• Comply with legal obligations
• Resolve disputes
• Enforce our agreements
• Maintain accurate financial records

Financial records are typically retained for a minimum of 7 years in accordance with banking regulations.

6. Your Privacy Rights

Depending on your location, you may have the following rights:

6.1 Access and Portability

You have the right to request access to the personal information we hold about you and receive a copy in a portable format.

6.2 Correction

You may request correction of inaccurate or incomplete personal information.

6.3 Deletion

You may request deletion of your personal information, subject to certain legal exceptions.

6.4 Opt-Out

You may opt-out of marketing communications by:

• Clicking the "unsubscribe" link in our emails
• Contacting us directly
• Adjusting your account preferences

6.5 Do Not Track

We currently do not respond to "Do Not Track" browser signals, but you may disable cookies through your browser settings.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete such information.

9. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

To exercise these rights, please contact us using the information provided below.

10. International Users

Our services are provided from the United States. If you access our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our database is operated.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the new Privacy Policy on this page
• Updating the "Last Updated" date
• Sending an email notification (for significant changes)

Your continued use of our services after any changes constitutes acceptance of the updated Privacy Policy.

12. Contact Information

13. Additional Information

13.1 NCUA Insurance

Your deposits are insured by the National Credit Union Administration (NCUA). For more information, visit www.ncua.gov.

13.2 Gramm-Leach-Bliley Act Compliance

As a financial institution, we comply with the Gramm-Leach-Bliley Act (GLBA) and related privacy regulations governing financial services.

13.3 Consumer Financial Protection Bureau

For information about consumer financial protection, visit the Consumer Financial Protection Bureau at www.consumerfinance.gov.

© 2024 Fifth Third Bank. All rights reserved.