Consumer Privacy Policy

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. Products and services referred to or offered on this web site are provided by CIBC U.S. entities (“CIBC U.S."), which are indirect wholly-owned subsidiaries of Canadian Imperial Bank of Commerce (“CIBC”). Read the full Privacy Notice for CIBC Bank USA.



Children's Online Privacy

CIBC U.S. does not knowingly collect, use, or maintain any information through its websites from or about children who are under the age of 13 years. If we determine that a child under the age of 13 has provided us with information through one of our websites, we will use this information only to notify his or her parents that the information was received.



Online Privacy, Security and Information Gathering Policy

Last updated: May 1, 2018

CIBC U.S. is committed to safeguarding your confidential information and maintaining the security of our online products and services. In addition to this statement, please read CIBC Bank USA’s full Privacy Notice. The Privacy Notice addresses its general policies for collecting and sharing consumer customer information.

This Online Privacy, Security and Information Gathering Policy applies to the collection, use or sharing of any personal information collected by CIBC U.S. in the course of conducting its business in the United States. It explains how we may collect, use, share and protect personal information collected through online and mobile activities, including through the use of other CIBC U.S. sites or other online or electronic technologies such as email and mobile applications.


Security

We maintain appropriate physical, electronic and procedural safeguards to protect the security, integrity and privacy of your personal information. Information you submit through the CIBC U.S. website is encrypted to industry standards. No confidential or personal information should be sent through regular email since those email transmissions may not be secure.

We continually review our security safeguards in order to protect customer information that we gather, transmit and store in connection with our online products and services. Remember to educate yourself on scams and threats and to maintain your computer operating system and data security software up to date. We will never ask for personal identifying information, login or password information in an email message. Also, never click on an unverified link in an email message.

To learn more about protecting yourself, refer to Fraud Prevention. CIBC Bank USA also offers Trusteer Rapport, free online banking security software.


Information gathering

The type of personal information we collect will depend on various factors, including your digital activities with us. We may collect information in the following ways:

  • Information you provide us, through your digital activities such as mobile apps, applications for products or services, or information that you have input into our online tools or calculators. This may include information such as your name, email address, user IDs, passwords, service preferences, age, gender, occupation and income range. If you communicate with us online or by email, mobile app or text message, we may collect information contained in that communication, such as your email address or mobile telephone number. 
  • Information that your web browser may provide us, such as the type of web browser you use (e.g. Internet Explorer, Chrome, Safari or Firefox) or the address of the site you came from.
  • Information that your devices may provide us, such as device details (e.g. device ID, model, operating system or device notification status), privacy settings and other device configurations/settings, your geolocation, or your IP address (a number that is automatically assigned to your computer or device when you browse the Internet and from which the general geographical location of the device can be derived).
  • Information obtained using web technologies, such as cookies and web beacons. Please see the Web Technologies section below for further information.

How we use information

We may use information for the following purposes:

  • Provide you with our digital products, services and support
  • Communicate with you, including providing alerts that you have requested
  • Personalize your user experience including offering you personalized marketing and offers
  • Better understand your interest in other CIBC U.S. products and services
  • Evaluate the effectiveness of our sites, communications, marketing, or offers and promotions
  • Measure site and mobile app usage and improve functionality
  • Enhance digital security including preventing and detecting security threats and criminal activities

Using third-party cookies, CIBC U.S., its partners and service providers may market CIBC U.S. products, services or community initiatives on another company's site (e.g. remarketing). In some cases, the content of this marketing may be based on information we know about you, such as your browsing behavior on CIBC U.S. sites and third-party sites where you are shown CIBC U.S. ads, your CIBC U.S. products and services, and the information you have provided to us. If you access one of these marketing ads, we may also track the response rate, the specific CIBC U.S. ad that you selected and the site activity associated with each marketing ad. If you enter a third-party site, which has a CIBC U.S. ad, we may use cookies to help us identify the site you accessed, but we do not track and create a profile of a user’s behavior on that site. The response rate data is used to help us plan future online marketing campaigns.

CIBC U.S. may offer mobile applications or services that use location information. If you choose to use such applications or services, CIBC U.S. may, if your geolocation device settings allow us, collect information about your location to provide you with the applications or services you request.

We may also use location information to personalize your user experience including through site or mobile app content, marketing, or offers for products and services. For example, we may use general geographical location derived from your IP address (e.g. city) to customize CIBC U.S. site pages for you.

Some services may involve access to information on your device. For example, accessing your photos and camera can make it easier to complete a remote check deposit on your mobile device. Some services may allow your device and your wearable to communicate with a CIBC U.S. app.


Web technologies

CIBC U.S. may use various web technologies, including web beacons and cookies.

Web beacons are tiny graphic images we may place on our site pages or in our emails. They may be used to measure such things as response rates to our communications and to help us improve our web pages and promotions.

A cookie is a small file created by a web browser on your computer when you visit a site or a particular page on a site. Cookies collect and store information based upon browsing patterns or information you provide. CIBC U.S. uses the following types of cookies on its sites:

  • Session cookies are used during a single site visit and are automatically deleted from your computer when you leave the site. Session cookies perform several critical functions on CIBC U.S. sites. For example, they protect your security while you are using digital banking by ensuring that your session is secure while you are signed on. They are also used to ensure that you do not pay the same bill twice during a single banking session.
  • Persistent cookies are used to track site activity over a longer period and remain on your computer until either you choose to delete them or they expire. They are used for a number of purposes on CIBC U.S. sites. For example, persistent cookies are used:
    • To save your digital banking personal preferences, you must allow persistent cookies if you want your browser to remember such things as your card number or your default home page each time you sign on to our digital banking.
    • To collect information about how visitors use our sites (e.g. use of our online tools and services such as retirement calculators) including browsing behavior. For example, we may measure and track CIBC U.S. web and mobile pages viewed or how you came to our sites (e.g. which CIBC U.S. online marketing ad you selected, the address of the site that you came from, the sites you are accessing that have CIBC U.S. ads, or keywords you searched to find our site).
    • We may use this information to improve our service, provide a better experience for visitors to our sites and deliver online personalized marketing and offers.
  • Flash cookies or "locally shared objects" are generally used to employ flash or multimedia technology (e.g. video). Software applications may create Flash cookies to store configuration information on your computer so that you may view rich media, such as Flash enabled videos, on CIBC U.S. sites. Certain CIBC U.S. online tools, such as mortgage calculators, use Flash cookies to retain information input by you (e.g. mortgage amount and interest rate), so that you do not need to re-enter this information the next time you use the tool.
  • Third-party cookies are cookies of third parties that CIBC U.S. has permitted to be created when you visit a CIBC U.S. site and are used by CIBC U.S. for the purposes of CIBC U.S. marketing on other companies' sites or to track the effectiveness of such marketing.


Your privacy choices

CIBC Bank USA digital banking cannot be used without session cookies enabled in your web browser. Session cookies are also used for added security and convenience when banking on our site.

Depending on the web browser you use, you may be able to configure it to accept session cookies but disable persistent cookies (with the exception of Flash cookies). If you do this, you will still be able to use CIBC U.S. sites; however, your browser will not remember your personal preferences when you return to the site. Please check your browser's online help for further information on how to change your cookie settings.

If your browser is using Adobe Flash Player version 10.3 or later, you can use the Adobe Flash Player Settings Manager to configure how your browser should handle Flash cookies, either globally for all sites or for specific sites, or to delete any or all such cookies. Please use these links to visit the Adobe Flash Player site for detailed instructions or to use the convenient tools that they have made available to enable you to quickly delete Flash cookies from your system.

You can block or disable third-party cookies in your browser settings so that your browser accepts only first party cookies, which are those cookies belonging to the site you are currently browsing (e.g. cookies from CIBC U.S. when you are on our site).


Location information

CIBC U.S. cannot collect or use certain types of location information from geolocation or proximity technologies on your mobile device if the location services on your mobile device are disabled. Mobile devices allow users to disable location services through menu options. Please consult your mobile device provider for more information.


Information on your device

The ability to collect certain personal information is controlled by your device. You can control access to this information through your device settings. For example, your device may control the ability to provide access to your contacts, photos and camera. If you choose not to provide access to information on your device, some services may not operate effectively. Refer to the documentation for your device regarding how to allow or block the collection of certain device information. If you have installed a CIBC U.S. mobile app and wish to stop receiving push notifications, you can change the settings on your mobile device.


Changes to this Policy

This Online Privacy, Securing and Information Gathering Policy is subject to change. Please review it periodically. If changes are made, the “Last Updated” date at the top of this Policy will be revised. Any changes to this Policy will become effective when posted unless indicated otherwise.