Bank of America U.S. Online Privacy Notice changes — 20250701_rev01

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- **Advertising on our sites, mobile apps and off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone):** We may use personal information about your activities on our Sites and Mobile Apps, such as pages visited and key words entered, to help determine which of our ads or offers may be of interest to you. We may use personal information about your relationship with us (such as types of accounts, transactional information or the location in which you bank) to help determine which advertisements or offers to present to you.

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- **Advertising on non-affiliated third-party sites and mobile apps:** Bank of America contracts with advertising companies to advertise our products and services on sites and mobile apps not affiliated with us. We may use personal information we have collected or that you have provided to assist our non-affiliated third-party sites and mobile apps to select bank ads or offers that may appeal to you, display them to you and monitor your responses. Non-affiliated third-party sites and mobile apps are not subject to Bank of America Privacy Notices.

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#### How you can opt out of Online Behavioral Advertising

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- **Advertising on Non-Affiliated Third-Party sites:** Bank of America participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third-party sites (excluding ads appearing on platforms that do not accept the icon). Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third-party sites, visit [YourAdChoices layer](https://www.aboutads.info/choices/) powered by the Digital Advertising Alliance or through the [Network Advertising Initiative's Opt-Out Tool layer](https://www.networkadvertising.org/choices). You may also visit the individual sites for additional information on their data and privacy practices and opt-out options.

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- **Advertising on Non-Affiliated Third-Party sites:** Bank of America participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third-party sites (excluding ads appearing on platforms that do not accept the icon). Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third-party sites, visit [YourAdChoices.com/control layer](https://www.youradchoices.com/control) powered by the Digital Advertising Alliance or through the [Network Advertising Initiative's Opt-Out Tool layer](https://www.networkadvertising.org/choices) to place an opt-out cookie on your browser. These opt-out cookies enable you to block participating companies from installing future cookies on your computer or browser. You may also visit the individual sites for additional information on their data and privacy practices and opt-out options. Additionally, there are several types of datasets that brands, and their advertising partners, use to identify a consumer on a device, browser, site or app in order to deliver relevant ads that might be of interest at a point in time. You may visit [AboutIdentifiers.org layer](https://www.aboutidentifiers.org/) to learn more about identifiers and how to manage them.

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Industry standards continue to evolve around web browser "do not track" signals or configurations set in your internet browser. In addition to the advertising opt-out options above, Bank of America captures opt out preference signals, and to the extent users have rights under applicable law, treats them as valid requests to opt out of sale/sharing at the browser level.

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California residents may have additional rights; please consult our [California Consumer Privacy Notice](https://www.bankofamerica.com/security-center/ccpa-disclosure/) for more information.

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#### Reminder

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Please note that if you opt out of this advertising:

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- You may still receive general advertising from Bank of America.

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- When accessing online account servicing areas (i.e. after login), such as Online Banking, Merrill Edge or MyMerrill, you may receive tailored content and advertising based on your account relationships.

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- When accessing online account servicing areas (i.e., after login), such as Online Banking, Merrill Edge or MyMerrill, you may receive tailored content and advertising based on your account relationships.

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- Financial Advisors/Client Managers may continue to use personal information collected online as described in this Notice to provide details on products and services in accordance with account agreements.

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- In order for online behavioral advertising opt outs from our Sites and Mobile Apps and on other sites to work on your device, your browser must be set to accept cookies.

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- If you delete cookies, buy a new device, access our Sites and Mobile Apps or other sites from a different device, login under a different screen name, or change web browsers, you will need to opt out again.

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### Additional Information

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 ## Bank of America U.S. Online Privacy Notice
+Last updated March 1, 2024
+Last updated June 2025
 Your privacy is important to us. We conduct regular assessment reviews and abide by rigorous privacy standards to ensure personal information we collect, use and share is protected. This U.S. Online Privacy Notice ("Notice") describes how Bank of America and our affiliates manage personal information about you when you interact with us online through our websites, event registration sites, mobile applications and social sites ("Sites and Mobile Apps") through your computer, smartphone, tablet or other mobile devices ("computer or mobile devices").
 ### This Notice explains
 - How we collect personal information when you visit, use or interact with us online, and through our ads displayed through online services operated by us or non-affiliated third parties.
 - How we may use or share personal information collected to deliver products and services to you and for advertising or event management purposes.
 The term "Bank of America" or "we", "us" or "our" in this Notice refers to banking and non-banking U.S. affiliates or subsidiaries of Bank of America Corporation that link to or reference this Notice.
+By using our Sites and Mobile Apps, you agree to the terms and conditions of this Notice. Our U.S. online services covered by this Notice are intended for a U.S. audience. If you visit or use one of our online services, your information may be transferred or processed in the U.S. For Non-U.S. online services, please review the privacy policy applicable to that service to understand how your information is collected, used and shared.
+By using our Sites and Mobile Apps, you agree to the terms and conditions of this Notice. Our U.S. online services covered by this Notice are intended for a U.S. audience. If you visit or use one of our online services, your information may be transferred or processed in the U.S. For non-U.S. online services, please review the privacy policy applicable to that service to understand how your information is collected, used and shared.
 Bank of America works with third-party providers who are contractually obligated to comply with our policies to protect information. However, if you visit or access one of these third-party provider sites or mobile apps, please review the online privacy practices of that site or mobile app to understand the specifics of how your online personal information may be collected, used and shared.
 #### Updates to this Notice
+This Notice is subject to change. We update this Notice periodically to comply with the most recent federal and local laws. Please review it whenever you have questions. If we make changes to this Notice, we will revise the **Last updated** date on this page.
 ### Our Online Privacy Practices
 We are committed to transparency about your personal information. We ask for your consent when required, otherwise by using our Site and Mobile Apps, you consent to the collection, use and sharing of your personal information subject to and consistent with applicable laws, regulations and other notices you may have received based on your relationship with us.
 #### Linking to other sites
 - Use aggregation services such as My Portfolio® and My Financial Picture® in order to consolidate your financial account or information at one online location
 We may use third-party providers to process personal information for business purposes on our behalf. Third-party providers are contractually obligated to comply with our policies to protect information we share with them or they collect on our behalf.
 We also may obtain personal information from a sponsor for individuals onboarded via a Commercial Prepaid card program with us. If we combine such personal information with information collected through the Mobile Services, we will treat the combined information as personal information in accordance with this Notice.
+The personal information we collect is limited to what is required to provide our products or services and to support legal and risk requirements. For additional information, please review the **How do we use your personal information** section of this Notice.
+The personal information we collect is limited to what is required to provide our products or services and to support legal and risk requirements. For additional information, please review the **How We Use and Share Personal Information** section of this Notice.
 #### Types of personal information we collect online
 The type of personal information we collect from and about you online will depend on how you interact with us and may include:
 - **Contact Information** such as name, mailing address, email address, telephone and mobile number(s).
 #### How to limit sharing
 You have choices regarding the sharing of some personal information. Where appropriate, we will limit sharing of your personal information based on your marketing and information sharing choices. You can register your choices online at [Control How We Can Share Your Data and Market To You](https://secure.bankofamerica.com/customer/public/privacy.go).
 ### Online Behavioral Advertising
+Personal information collected from and about you online, as described in this Notice, is used and shared to deliver advertising and marketing, including prescreened offers of credit, which may be of interest to you.
+Personal information collected from and about you through our Sites and Mobile Apps, as described in this Notice, is used and shared to deliver advertising and marketing, including prescreened offers of credit, which may be of interest to you.
 We present tailored ads to you:
 - On our Sites and Mobile Apps through ads that appear as you sign on or off of your online accounts.
 - In off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone).
 - On third-party sites and mobile apps not affiliated with Bank of America.
 - **Advertising on our sites, mobile apps and off-line channels such as financial centers, call centers, and through direct marketing (for example email, mail, phone):** We may use personal information about your activities on our Sites and Mobile Apps, such as pages visited and key words entered, to help determine which of our ads or offers may be of interest to you. We may use personal information about your relationship with us (such as types of accounts, transactional information or the location in which you bank) to help determine which advertisements or offers to present to you.
 - **Advertising on non-affiliated third-party sites and mobile apps:** Bank of America contracts with advertising companies to advertise our products and services on sites and mobile apps not affiliated with us. We may use personal information we have collected or that you have provided to assist our non-affiliated third-party sites and mobile apps to select bank ads or offers that may appeal to you, display them to you and monitor your responses. Non-affiliated third-party sites and mobile apps are not subject to Bank of America Privacy Notices.
 #### How you can opt out of Online Behavioral Advertising
+- **Advertising on Non-Affiliated Third-Party sites:** Bank of America participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third-party sites (excluding ads appearing on platforms that do not accept the icon). Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third-party sites, visit [YourAdChoices layer](https://www.aboutads.info/choices/) powered by the Digital Advertising Alliance or through the [Network Advertising Initiative's Opt-Out Tool layer](https://www.networkadvertising.org/choices). You may also visit the individual sites for additional information on their data and privacy practices and opt-out options.
+- **Advertising on Non-Affiliated Third-Party sites:** Bank of America participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third-party sites (excluding ads appearing on platforms that do not accept the icon). Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third-party sites, visit [YourAdChoices.com/control layer](https://www.youradchoices.com/control) powered by the Digital Advertising Alliance or through the [Network Advertising Initiative's Opt-Out Tool layer](https://www.networkadvertising.org/choices) to place an opt-out cookie on your browser. These opt-out cookies enable you to block participating companies from installing future cookies on your computer or browser. You may also visit the individual sites for additional information on their data and privacy practices and opt-out options. Additionally, there are several types of datasets that brands, and their advertising partners, use to identify a consumer on a device, browser, site or app in order to deliver relevant ads that might be of interest at a point in time. You may visit [AboutIdentifiers.org layer](https://www.aboutidentifiers.org/) to learn more about identifiers and how to manage them.
 Industry standards continue to evolve around web browser "do not track" signals or configurations set in your internet browser. In addition to the advertising opt-out options above, Bank of America captures opt out preference signals, and to the extent users have rights under applicable law, treats them as valid requests to opt out of sale/sharing at the browser level.
+California residents may have additional rights; please consult our [California Consumer Privacy Notice](https://www.bankofamerica.com/security-center/ccpa-disclosure/) for more information.
 #### Reminder
 Please note that if you opt out of this advertising:
 - You may still receive general advertising from Bank of America.
+- When accessing online account servicing areas (i.e. after login), such as Online Banking, Merrill Edge or MyMerrill, you may receive tailored content and advertising based on your account relationships.
+- When accessing online account servicing areas (i.e., after login), such as Online Banking, Merrill Edge or MyMerrill, you may receive tailored content and advertising based on your account relationships.
 - Financial Advisors/Client Managers may continue to use personal information collected online as described in this Notice to provide details on products and services in accordance with account agreements.
 - In order for online behavioral advertising opt outs from our Sites and Mobile Apps and on other sites to work on your device, your browser must be set to accept cookies.
 - If you delete cookies, buy a new device, access our Sites and Mobile Apps or other sites from a different device, login under a different screen name, or change web browsers, you will need to opt out again.
 ### Additional Information
 #### Social Media
 Bank of America engages with customers on social media platforms such as Facebook®, X®, YouTube® and LinkedIn®.
 - Any content you post on official Bank of America managed social media pages, such as pictures, information, opinions or any personal information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms.
+- When interacting with official Bank of America social media pages, Bank of America's privacy notices, [Social Media User Terms](https://about.bankofamerica.com/en-us/social-media/terms-of-use.html) and [Community Guidelines](https://about.bankofamerica.com/en/social-media) may apply.
+- When interacting with official Bank of America social media pages, Bank of America's privacy notices and [Social Media Community Guidelines](https://about.bankofamerica.com/en-us/social-media/terms-of-use.html) may apply.
 - Please review the privacy policy for the specific social media service you are using to better understand your rights and obligations with regard to such content.
+We may allow social share buttons on our sites that enable users to easily share information on social media platforms. The non-affiliated third parties that own these widgets may have access to information about your browsing on pages of our Sites and Mobile Apps where these widgets are placed.
+We may allow social share buttons ("widgets") on our sites that enable users to easily share information on social media platforms. The non-affiliated third parties that own these widgets may have access to information about your browsing on pages of our Sites and Mobile Apps where these widgets are placed.

U.S. Online Privacy Notice

Full text changes — 20240402_rev01 to 20250701_rev01