General policy information FAQs

What is a Privacy Notice?

The U.S. Consumer Privacy Notice is one way we tell you how we collect and use information about you. Federal law requires all financial institutions, including us, to notify our customers, once a year, of their privacy practices and, depending on those practices, to let customers limit some of the ways the institution shares that information. This is called "opting out" of information sharing.

Why do you have 2 privacy policies on chase.com?

You can access 2 different privacy policies on chase.com, which we refer to as our Online Privacy Policy and the U.S. Consumer Privacy Notice. Each of these policies serves a different purpose. Our Online Privacy Policy describes how we can collect, use, share and protect information about people who interact with us through our online websites, mobile applications or social media interfaces. In other words, you don't have to be a Chase customer for our Online Privacy Policy to apply to you. You simply have to be using one of what we call our "online services." In most instances, you'll know you're using one of our online services if you can see our Online Privacy Policy in the footer (the bottom) of the page or in the app's drop-down menu.

The U.S. Consumer Privacy Notice, on the other hand, applies to Chase customers.  Federal law requires that we provide our customers with a copy of the U.S. Consumer Privacy Notice when they open an account with us, and then once a year for as long as they continue that relationship with us. The U.S. Consumer Privacy Notice explains how we get information about our customers as well as the steps we take to protect customer information in our care. It also describes how we can share your personal information with others and how you can limit that sharing. In particular, you can tell us not to share your information with our affiliates or with unaffiliated third parties for their marketing purposes. And you can tell us not to share information about your creditworthiness with our affiliates in the JPMorgan Chase family of companies.

How do you protect my information?

We take our responsibility to protect your confidential information seriously. We've set up physical, electronic and procedural safeguards that meet federal standards for keeping your information safe from unauthorized access or use.

For example, our policies and procedures are designed to help ensure that our employees see your information only when they need it to do their work. And they must enter a password to use our computer systems, and then retype the password if they haven't used their computer for a certain amount of time. In addition, our employees must use a security card to get into our buildings, and we have security cameras installed in sensitive areas.

We protect your information with 128-bit encryption when you access your accounts and perform transactions on Chase online.

What are co-branded credit cards and partnership programs?

We have arrangements with companies, such as airlines, hotels and retailers, to offer co-branded credit cards and related discounts and other benefits. For example, our United Airlines Visa^® card might offer you United Airlines frequent flyer miles as well as a free checked bag when you use your credit card. When you sign up for a program like this, the other company's name or logo appears on your credit card as well as on other program materials.

What kinds of information sharing do co-branded credit cards and partnership programs require?

Co-branded credit cards are a convenient way to get benefits (such as airline miles or hotel points). We and our partners often need to share information to set up the program and figure out your benefits. For example, to make an offer for a co-branded credit card, our partner might give us names and addresses of people who already do business with it. Our credit card company requires you to agree to share your information when you apply for a co-branded product. The credit card's terms and conditions explain how your information is shared.

What if I don't want you to share my information?

You have the right to tell us not to share some of your personal information in some circumstances. The U.S. Consumer Privacy Notice describes the ways in which you can limit how we share your personal information. You may also call us at our Privacy Call Center at 1-888-868-8618. We can help you make choices about how we share your personal information. Please keep in mind, however, that you can't limit all of our sharing of your information. We might need to share your personal information to help us do things like service your accounts with us, respond to court orders and prevent fraud. Financial privacy laws give us the right to share information in these, and other, situations whether or not you opt out of our information sharing.  

What do you mean you may share my information with affiliates and "others"? And who are the “others” you'll share my information with?

Federal law allows us to share your personal information with our affiliates and unaffiliated third parties unless you tell us not to share by opting out. The affiliates include any of the financial companies listed at the end of the U.S. Consumer Privacy Notice. Sharing among the JPMorgan Chase family of companies helps us offer you the financial products and services that best suit your needs. It can also save you time and money. For example, customers who have certain accounts with us may qualify for a credit card with a lower interest rate and no annual fee.

Where the law permits, and as long as we honor the opt-out choices you've made, we can also share your personal information with third parties that aren't affiliated with Chase. These “others” include retailers, auto dealers, automakers and membership clubs that offer products and services you may be interested in. You can tell us not to share with them.

Nonetheless, as the U.S. Consumer Privacy Notice explains, you can't limit all of our sharing. Even if you opt out, we can disclose your personal information in order to, for example, process your transactions, comply with legal requests or report to credit-reporting agencies.

What does it mean to "opt out"?

When you "opt out" as explained in the U.S. Consumer Privacy Notice, you instruct us not to share certain information about you in certain ways. For example, the U.S. Consumer Privacy Notice lets you tell us not to share your consumer report information with our affiliates.

If I opt out of information sharing within the Chase family as explained in the U.S. Consumer Privacy Notice, will all of your affiliated banks and companies honor this request?

The U.S. Consumer Privacy Notice applies to the Chase-affiliated companies listed at the bottom of the notice. If you opt out, all of those Chase-affiliated companies will honor your request. However, you can't opt out of information sharing on a product-by-product or company-by-company basis. You agree to share your information with all of the Chase-affiliated companies or none of them.

If I opt out of information sharing within the Chase family of companies, what information about me will you and won't you share within your family of banks and companies?

The Fair Credit Reporting Act (FCRA) is the main law that covers what information we share within our affiliates. The FCRA permits our affiliated companies to share certain types of information, including information about:

• You
• Your transactions with any of our affiliated banks and companies
• Your experiences, such as your account experiences, with any of our affiliated banks and companies

The FCRA also covers how we share information about your creditworthiness, personal characteristics and mode of living. We can't share these other kinds of information about you from your applications or agreements, from credit reporting agencies or from other sources if you've asked us to limit the information we share within the Chase family of companies. We set out in the U.S. Consumer Privacy Notice the procedures for how you request this. Ordinarily this other information helps us know whether you might be interested in or eligible for other credit, investment or insurance products our affiliated banks and companies might offer.

If you ask us not to share this kind of nonexperience information to determine your eligibility in these situations, we'll honor your request, but we'll continue to share the information in certain other situations consistent with the FCRA, such as to maintain your accounts or prevent fraud.

What choices do I have for opting out of information sharing?

Please look at the U.S. Consumer Privacy Notice for a detailed explanation of your choices about the information you share. This Privacy Notice also tells you how you can change your choices.

If I told you my privacy preferences last year, do I need to tell you again this year?

No. The privacy preferences you tell us don't expire. If you opted out of certain kinds of information sharing, we won't share that information unless you tell us you've changed your mind. You'll need to tell us your opt-out preferences again, though, if you change your name or make other significant changes to your identification information.

How do Chase and I benefit when you share my information among your affiliates?

We may be able to give you better customer service, convenient access to our services and a wider range of products if we can share your information among our affiliates (companies we own or control). The better we know you, the easier it is to offer you financial products and services (such as loans, deposits, investments, credit cards or insurance) that fit your lifestyle. We may also be able to give you consolidated statements and offer better product prices based on your overall relationship across our affiliates.

We also share your information so we can verify your identity and help protect you from identity theft or fraud.

How do I benefit from Chase's information sharing with service providers and financial companies outside of your affiliates?

You may get more offers for products and services that might interest you if we can share information with outside companies that work for us, including those that help us market our products and with whom we have joint marketing agreements. You may also get discounted pricing on those products and services.

What are the "Chase affiliates"?

The Chase affiliates are a network of firms owned by JPMorgan Chase & Co. They include JPMorgan Chase Bank, N.A.; Chase Insurance Agency, Inc.; J.P. Morgan Securities LLC; and others. These affiliated companies offer financial products and services such as loans, deposit accounts, investments and insurance.

Does the U.S. Consumer Privacy Notice apply when I'm doing business online?

Yes, if you're our customer, the U.S. Consumer Privacy Notice governs all of our interactions with your personal information. For that reason, our websites include links to the U.S. Consumer Privacy Notice, which explains how we protect your information when you bank with us. You'll also be subject to our Online Privacy Policy.

If you aren't our customer, the U.S. Consumer Privacy Notice doesn't apply to you. You're still subject to our Online Privacy Policy, however. This policy explains how we may collect, share, use and protect information from anyone who visits a Chase online service.

We also have Web-linking standards that govern how and when we let you know when you've chosen a link that will take you to a third-party site (one not owned or operated by Chase). Neither our Online Privacy Policy nor the U.S. Consumer Privacy Notice (nor our website terms) will apply after you leave our site. You should read the privacy policy, terms of use and security practices of the linked third-party website before giving any information on that website and to see how they apply to you.

What is a "cookie"?

A cookie is a tiny text file that a website you visit creates and then stores in your Web browser. The cookie can contain a variety of information about you, from a unique ID to the preferences you've set for that website. We use cookies when you register the first time, when you sign in with your user name and password, and when you tell us information about yourself such as your address.

We also use cookies on sites where we advertise. We set cookies so that we recognize you as a customer and can give you the best online experience possible. Read our Online Privacy Policy to find out more about how we use cookies to collect information about you.

What is online behavioral advertising?

As we also explain in our Online Privacy Policy, online behavioral advertising (also known as "OBA" or "interest-based advertising”) is the practice of using tracking technologies to collect information about a website visitor's browsing activities across that site and other, non-affiliated websites over time in order to deliver relevant advertisements based on the visitor's browsing history. We set cookies on your device to gather information about the Web pages you visit, the search terms you enter and the way you move through our online services, as well as demographic and location information, among other things. Certain companies we work with may set cookies and use related tracking technologies throughout our online services or in our communications to support these OBA efforts.

Why do you need information about my other online activities to deliver content and advertisements?

Many people use the Internet (including Chase's online services) to learn more about the products and services that interest them. Whether you're browsing the home equity line of credit section on chase.com or visiting a third-party website to find out about current mortgage rates, your online activities can help us identify and deliver content and advertisements that match your interests (in this example, a mortgage). We don't always perfectly predict your needs based on your other online activities, but this information can help us give you a more personalized experience and point you to the right products and services faster.

I'm uncomfortable with Chase using third-party information to deliver tailored advertisements to me. What should I do?

We recognize that not everyone is comfortable getting content and ads that are tailored to them based on their other online activities. If you're one of those people, you can opt out of some of our online behavioral advertising by following the instructions in the “Online Advertising” section of our Online Privacy Policy.

How do I opt out of promotional emails you send me?

Our email offers include instructions for telling us you don't want to get any more of our promotional emails. These instructions are usually at the bottom of the email offer.

If you get emails from an outside company on our behalf, you'll need to either follow the instructions in that email to stop the offers or contact that company directly. Before you give any company your personal information, we encourage you to read the privacy and security policies, as well as the terms and conditions, of the websites you visit to see how they apply to you.