Santander Online Privacy Policy

This U.S. Online Privacy Policy ("Policy") applies to use of online services owned or controlled by Santander Bank, N.A. ("Santander"), including, but not limited to our website and mobile applications (“online sites”). The terms "we," "our," and "us" in this Policy refer to Santander Bank, N.A. This Policy describes how we may collect, share, use and protect information about you based on your interaction with our online sites, advertisements, third-party websites and Santander-branded social media sites and the choices you can make about how your information is collected and used. This policy applies to information collected online only. By using our online sites, you agree to the terms and conditions of this Policy and consent to our use of cookies and like technologies.

As you review this policy, please keep in mind that:

This Policy is intended to cover our U.S. customers.
If you access our online sites, your information may be transferred or processed in the U.S.
Personal information that you share on Santander-managed social media pages, such as Facebook and Twitter, are subject to the privacy policies and terms of use of those platforms. Please refer to those policies before posting any content to those pages. You should NEVER provide personal information to Santander through public social media pages.
Our online sites are not intended for children under the age of 13. We do not knowingly collect personal information from individuals under the age of 13 without parental consent.

What Information We Collect:

Personal Information

When you visit our site, we collect personal information that you provide, including in our forms, applications, surveys and other online fields. This information may include your name, mailing or email address, telephone number(s), account number(s) and other personal information you may provide. If you have a financial product or service with us, we will share and use any information we collect from or about you in accordance with our Privacy Notice which offers some choices with respect to the use and sharing of your personal information.

Non-personal Information

Santander and service providers acting on our behalf may also collect non-personal information from your use of our online sites. This information may include your IP address, browser and/or device information, including location information, if enabled on your device, type of operating system you are using, information about the site or advertisement that brought you to our online site, and the parts of our online sites that you visit.

You have choices to limit the ways your non-personal information is collected and used, please view our Privacy Notice.

How We Collect Information

We collect information through various means, including the information you provide directly to us on our online sites, information collected through third parties, as described below, and in an automated fashion, through your browser, cookies, pixel tags, clear gifs, web beacons, flash cookies, and other technologies.

Pixel tags, clear gifs, web beacons and flash cookies are transparent tags that are placed on a website, email or other message and are used to measure the actions of the visitor opening the page that contains the clear gifs and allow us to evaluate the effectiveness of our communications, detect and prevent fraud, advertising.

Cookies are small text tiles that are stored on your computer or mobile device that allow us to collect certain information, such as your browser type, the time you spend on our online sites and the pages you visited. Many internet browsers allow you to refuse cookies, but doing so may cause you to be unable to access certain of our services. For more information on opting out of certain tracking see the "Your Choices" section, below.

Third-Party Information: Santander contracts with advertising companies to advertise our products and services on third-party websites and mobile applications. We may use other information we collect as described above to assist these advertising companies in selecting which of our advertisements and offers may appeal to you. Please visit the third-party websites and mobile application for their privacy policies. We may also collect information about you from other online and offline sources, including our affiliates, credit reporting agencies and other third-party sources as permitted by law.

How We Use Information

The information Santander collects from and about you is used to increase your service and experience on our online sites. We may use your information:

To process your requests, transactions, applications and inquiries
To verify your identity using location-based data
To provide location-based services, such as Santander ATM locator
To allow you to apply for products or services (e.g., to prequalify for a mortgage, apply for a credit card, or to open a retirement account, investment account or other financial product) and evaluate your eligibility for such products or services
To provide you with updates on your accounts, products and services, such as changes to terms, conditions or policies
To inform you about important information products or services for which you apply or may be interested in applying for, or in which you are already enrolled
To monitor website usage and/or performance, improve customer experience on our website, ensure technological compatibility with visitors' computers or other electronic or mobile devices, or to conduct aggregate analyses on usage patterns
To perform analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view
To deliver advertising to you directly or on third-party websites
To allow you to access your online accounts
To recognize you when you return to our sites
For Risk Management and control purposes
To detect and prevent fraud and increase security of our online services
To provide you with personalized offers and customize your experience with Santander
To allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions and to administer these activities. Some of these activities have additional rules, which may contain additional information about how Personal Information is used and shared;
To comply with applicable legal requirements

How We Share Information

If you are a Santander customer, we may share personal information that we collect about you with our service providers, affiliates, joint marketers and non-affiliated third parties in accordance with our Privacy Notice and your preferences.

Service Providers, Affiliates or Joint Marketers. We may disclose certain personal and non-personal information we collect from your use of our online sites to companies that perform services on our behalf, including those who assist us in processing transactions, preparing and mailing statements, and responding to user inquiries. In addition, we may disclose that information to service providers that perform marketing services for us and to financial institutions with whom we have joint marketing agreements.
Non-Affiliated Third Parties. We may disclose information about you to Non-Affiliated Third Parties as required or permitted by law, such as to comply with a subpoena, respond to inquiries from government authorities or defend legal actions.