Effective date: October 29, 2018
Through the Mobile Application, you may use your Eligible Mobile Device to (i) view balances and recent transactions for each Mobile Account; (ii) make immediate, one-time transfers of funds between your Mobile Accounts; and (iii) access additional services that may be available through a Mobile Application.
What information does the Mobile Application obtain and how is it used?
User Provided Information - The Mobile Application obtains the information you provide when you download and register the Mobile Application. Registration with us is mandatory in order to be able to use the basic features of the Mobile Application. You can use the Mobile Application after registering for Online Banking or registering for Mobile Banking from within the Mobile Application. During registration, you generally provide: your check card number and PIN, name, email address, phone number, user name, password and other registration information. We use this registration information to create a unique user profile for you, which is required to access and use the Mobile Banking Service. We may also use the contact information you provide us to notify you from time to time of important information and updates related to the Mobile Application.
When using the Mobile Application, you generally provide information we must use to complete requested transactions. Such transaction-related information may include: account information, transfer amounts, dates, frequency, recipient name and contact information, and check images.
Automatically Collected Information and Device Access - In addition, the Mobile Application may collect certain device information automatically, such as the type of mobile device you use, your mobile device’s unique device ID, the IP address of your mobile device, the geographic location of your mobile device, your mobile operating system, and certain information about the way you use the Mobile Application. The Mobile Application may also access the following information when needed to perform services that you request: access to location information based on cellular network database and GPS; access to phone operations to call phone numbers without user’s intervention, access to phone information (e.g. phone number and serial number of device, whether a call is active, the phone number being called); internet access to create network sockets; access to contact (address) data stored on the phone; access to information about the state of Wi-Fi and all networks; access extra location provider commands; access to device storage to write, modify, or delete content. This information is only accessed to provide the services within the Mobile Application that you choose to use. The Mobile Application will activate your camera if you choose to take a picture of a check or a bill payment coupon. If you choose, the Mobile Application can access your contacts stored on the device when you are selecting the recipient of a transfer or transaction notice.
Does the Mobile Application collect precise real time location information of the device?
Unless you have opted-out through your device settings, the Mobile Application may collect precise information about the location of your device through GPS, cell tower triangulation, wi-fi access point technology, blue-tooth beacons, crowd-sourced positioning, or other similar technology. This location data may be used to provide mapping, navigational, and/or location-relevant marketing and advertisement information when you choose to use location-based services. Location information is accessed when you choose to use location-based services. You may at any time opt-out from allowing the Mobile Application to have access to your location data through your device settings. We do not control your location information preferences from within the Mobile Application. For more information, please see the section below regarding “opt-out rights.”
If you enroll in the Mobile Location Confirmation service (“MLC”), we will share your device’s location data with our service providers which may store that data for up to 18 months to help us determine the legitimacy of card transactions. If you choose to un-enroll, BBVA and our service providers will delete any location data stored for your device after a reasonable period of time to process your request. If you are enrolled in MLC and are issued a replacement card, we will automatically enroll that card in MLC. We will not share your current location with other users, except as you choose (e.g. posting location and activity information to social media). We will only share your current location information with third-parties as necessary to provide you the location-based service.
The Mobile Application may also use near real-time transaction and payment network information that identifies your Payment Card as being recently used at a particular merchant and/or merchant location. This implicit location information does not actually tell us where your device is located, but allows us to infer that your device might be at the place. This implicit location information may be used by the Mobile Application to display fraud-related, credit-related, and Rewards and Offers related notifications to you.
Do third parties see and/or have access to information obtained by the Mobile Application?
We may disclose user-provided and automatically collected Information:
- as required by law, such as to comply with a subpoena, or similar legal process;
- when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request; and
How is information collected by the Mobile Application used?
We use the information collected about you and your device to maintain and provide you with the Mobile Banking Service, to respond to your questions and instructions, to maintain the integrity of our network and address security issues, to detect fraud, to investigate or take action regarding violations or suspected violations of law or our terms, and to improve the Mobile Banking Service.
What are my opt-out rights?
You may at any time opt-out from allowing the Mobile Application’s access to your location information by disabling location tracking features in your device settings. Turning off your device’s location tracking features will prevent the Mobile Application from performing location-based services, such as finding nearby ATMs and branches.
You may also refrain from using Mobile Application features that collect specific types of information.
You can stop all collection of information by uninstalling the Mobile Application. You may use the standard uninstall processes available as part of your mobile device or via the removal features provided in your mobile application store or network. Once you have uninstalled the Mobile Application, any preferences that you previously set within the Mobile Application are deleted, such as location permissions and whether you allowed us to send you push notifications.
How does the Mobile Application respond to Do Not Track signals?
Do Not Track (DNT) is a privacy preference that users can set in recent versions of most major web browsers, including Firefox 5+, Internet Explorer 9+, Safari 5.1+, and Chrome. DNT allows users to inform web services that they do not want certain information about their webpage visits collected across websites.
Whether you have turned on DNT or not, the Mobile Application does not collect personally identifiable information (PII) about your online activities over time and across third party websites or online services. Nor do third parties use the Mobile Application to collect PII about your online activities over time and across third party websites. For these reasons, the Mobile Application does not respond to DNT signals.
Our operational systems will store user-provided data for as long as you use the related feature of the Mobile Application, unless you choose to delete it. Please note that some or all of the user-provided data may be required in order for the Mobile Application to function properly, and we may be required to retain certain information by law. If you close your profile established for Online and Mobile Banking, we will retain certain account data, such as transaction history and account balances, for a reasonable time to facilitate any request to reopen your profile.
We do not use the Mobile Application to knowingly collect data from or market to children under the age of 13. If a child under 13 has provided us with personal information without parental or guardian consent, the parent or guardian may contact us at 1-800-273-1057. We will delete such information from our files within a reasonable time and unsubscribe the child from any promotional contact opportunities.
Protecting the confidentiality of your information is very important to us. We have established appropriate physical, electronic, and procedural safeguards to protect information we collect from or about our users. For example, we limit access to this information to authorized employees and contractors who need to know that information in order to operate, develop or improve our Mobile Application. These safeguards are regularly reviewed to protect against unauthorized access, disclosure and improper use of your information and to maintain the accuracy and integrity of that information.
If you have any questions regarding privacy while using the Mobile Application, or have questions about our practices, please contact us at 1-800-273-1057.
A Spanish version of this document is available as a courtesy to our clients who use Spanish as their primary language. Although BBVA USA has taken every precaution possible to translate the original document correctly, the Spanish translation is only a courtesy to our clients. Please take note that all official documents from BBVA USA will be in English only. Please visit: www.bbvausa.com/policy/mobile-privacy-policy-esp to view the Spanish version.