CIBC Bank USA Privacy Notice

WHAT DOES CIBC BANK USA DO WITH YOUR PERSONAL INFORMATION

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and account balances
  • Account transactions and checking account information
  • Transaction history and wire transfer instructions

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons CIBC Bank USA (CIBC) chooses to share; and whether you can limit this sharing.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION

DOES CIBC SHARE?

CAN YOU LIMIT THIS SHARING?

For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes - to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes information about your creditworthiness

No

We don't share

For our affiliates to market to you

No

We don't share

For nonaffiliates to market you

No

We don't share

Who are we

Who is providing this notice?

This notice is provided by CIBC Bank USA

WHAT WE DO

How does CIBC protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does CIBC collect my personal information?

We collect your personal information, for example, when you:
 

  • Open an account or make deposit or withdrawals from your account
  • Pay your bills or apply for a loan
  • Use your debit card or make a wire transfer
     

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:
 

  • Sharing for affiliates’ everyday business purposes - information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you
     

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

DEFINITIONS

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with the CIBC or Atlantic Trust name and include the following financial companies:
 

  • Atlantic Trust Company, National Association;
  • AT Investment Advisers, Inc.;
  • Atlantic Trust Company of Delaware;
  • Atlantic Trust Group, LLC;
  • Canadian Imperial Bank of Commerce;
  • CIBC World Markets Corp.; and
  • CIBC Inc.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • CIBC Bank USA does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include credit card companies.
OTHER IMPORTANT INFORMATION

State Laws:

For California residents: We will not share information we collect about you with nonaffiliates, except as permitted by California law, such as to service your account. We will limit sharing among our affiliates to the extent required by California law, unless you authorize us to make those disclosures.

For Vermont residents: We will not share information we collect about you to nonaffiliated third parties, except as permitted by Vermont law, such as to service your account. We will limit sharing among our affiliates to the extent required by Vermont law, unless you authorize us to make those disclosures.

Questions?

Call toll free 877-448-6500