Your Privacy Rights
Huntington?s Online Privacy Policy
Huntington?s Online Privacy Policy (?Online
Policy?) applies to The Huntington National Bank and its affiliates
(collectively described as ?Huntington,? ?we,? or ?us?). This Online Policy
specifically applies to our online collection, use and disclosure of
information collected from visitors during use of our Web sites, located at www.huntington.com, www.directhuntington.com, and www.haberer.com (separately and
collectively, the ?Site?). This
Site is operated in and controlled from the United States of America. This
Online Policy should be read together with the Customer Information Privacy
Notice (?Customer Notice?), which describes Huntington?s privacy policies and
practices for customers and for former customers.
Effective Date
The Online Policy is effective as of 3/1/07.
Changes to the Online Policy
We reserve the
right to amend the Online Policy at any time in order to address future
developments of the Huntington companies, the Site or changes in industry or
legal trends. We will post the revised Online Policy on the Site or announce
the change on the home page of the Site. If we make changes to the Online
Policy, we will revise the ?Effective Date? section above. Any changes to this
Online Policy will become effective upon the posting of the revised Online
Policy on the Internet, accessible through the Site. By continuing to use the
Site following such changes, you will be deemed to have agreed to such
changes. If you do not agree with the terms of this Online Policy, as it may
be amended from time to time, in whole or in part, please do not continue using
this Site. If you have any questions or comments about the Online Policy,
please feel free to contact us at privacy@huntington.com.
Types of
Information Collected
We collect Personal
Information and Aggregate Information from visitors to the Site. We use the
term ?Personal Information? to mean any information that can identify a
specific individual. We use the term ?Aggregate Information? to refer to any
information that does not allow us to identify a specific individual, such as
demographic information, areas visited on the Site or what browser was used to
access the Site.
Personal
Information
We
collect various types of Personal Information from visitors to the Site, such
as name, address, email address, phone number, mother?s maiden name, Social
Security number, date of birth, driver?s license, employement, income,
residence, and collateral information.
Aggregate
Information
We
may gather and store Aggregate Information about visitors, such as domain and
Web browser information. The collection of this Aggregate Information enables
us to measure the number of visitors to various portions of the Site, diagnose
problems with our Site, administer the Site, and track visitor activity. We
will use this Aggregate Information to learn more about what you and our
customers are expecting from our services, and tailor and improve the Site.
Because Aggregate Information collected on the Site does not personally
identify you, we may use Aggregate Information for any purpose whatsoever, and
share Aggregate Information with third parties for any purpose whatsoever.
Notice Regarding the Use of Cookies or
Similar Technologies
Cookies or other similar technologies
may be used to gather information. Cookies are electronic files that your Web
browser places on your hard drive to retain information relating to visits to
and use of a Web site. We use cookies to improve the functionality of our Site. We do
not use cookies to store or transmit any Personal Information.
We use
temporary ?session? cookies to enable our customers to navigate more easily
within our Site during an online session. These cookies are deleted once you
close your Internet browser. We may also use ?persistent? cookies to allow you
to set and maintain your preferences for using our Site. Persistent cookies
remain in your computer?s memory after you close your Internet browser. These
cookies help us to know how many visitors link to our Site from a third-party
Web site, which areas of our Site visitors use most often, and how much time
visitors spend at our Site. We provide this type of Aggregate Information to a
nonaffiliated application service provider that compiles statistical
information for us. We then use this information to improve our Site.
You can
block cookies by changing the settings on your Internet browser or through the
use of software programs specifically designed to block cookies. Please note,
however, that if you choose to block cookies, you will not be able to log-in to
our secure Online Banking service, and you may limit other functionality we can
provide when you visit our Site. You can also remove cookies by deleting them
from your Temporary Internet folder or your Cookies folder.
In addition, we may collect data by using so-called
?pixel tags,? ?clear GIFs? or similar means (collectively, ?Pixel Tags?)
embedded in the Site?s content. A Pixel Tag is an electronic image, often a single-pixel (1x1), that is ordinarily not
visible to Site visitors and may be associated with cookies on the visitors?
hard drives. The data we may collect includes which operating system and
browser you use, screen
resolution and other technical information, demographic information, how you navigate to and through our Site, and how long
you stay on our web pages. This information is anonymous and does not include
Personal Information. Collection of this data enhances Huntington?s ability to meet the needs of online
users and make improvements to the online experience.
Our Use of
Personal Information
We
use Personal Information provided by Site visitors to fulfill the purpose for
which such information was provided, consistent with our Customer Notice (such
as to open an account, apply for a loan, or process products, services, or
transactions requested or authorized by you), to send you information we think
may be of interest to you, evaluate your suitability for a job if you apply on
line through the Careers section of our Site, or as specifically disclosed at
the time the information is requested.
We
also may remove identifiers from Personal Information or aggregate that
information to make it anonymous. We will use such Aggregate Information as
described in the section ?Aggregate Information.?
Disclosure
of Personal Information
We may disclose
Personal Information, as permitted by law, and: (1) consistent with our
Customer Notice; (2) to comply with applicable laws; (3) to respond to
governmental inquiries or requests; (4) to comply with valid legal
process; (5) to protect the rights, privacy, safety or property of Huntington;
(6) to permit us to pursue available remedies or limit damages that we may
sustain; and (7) to enforce our rights resulting from inappropriate use of
the Site.
In the event
there is a change in the corporate structure of Huntington such as, but not
limited to, merger, consolidation, sale, liquidation, or transfer of
substantial assets, Huntington may, in its sole discretion, transfer, sell or
assign information collected on and through this Site, including without
limitation, Personal Information concerning visitors, to one or more affiliated
or unaffiliated third parties.
Please refer to
the sections of the Customer Notice that describe disclosures of customer
information for further information on how we may disclose Personal Information
about customers and former customers.
Your
Choice About Receiving Promotional Emails
Visitors may choose not to
receive promotional emails or electronic newsletters from us by following the
?unsubscribe? or ?remove? instructions in the specific email from which they
wish to opt-out. We will respond to a request made pursuant to this method
as promptly as practicable. Even if you elect to stop receiving promotional
emails from us, we may still contact you to tell you important information
about the Site or us.
Maintaining Accuracy in Online Information
We strive to maintain complete and accurate online information
about you and your accounts. If you believe that our online records contain
inaccurate or incomplete information about you, please call us toll-free at
1-800-480-BANK (2265) (weekdays, 7:00 a.m. to 10:00 p.m. ET
and weekends, 8:00 a.m. to 5:00 p.m. ET). Our Online Banking
customers may access and edit their own information by logging in to our secure
Online Banking service and clicking on the ?Customer Service? tab. We will
correct any confirmed inaccuracies as necessary and appropriate.
Notice
Regarding Children?s Information
We respect the privacy of
children and comply with the practices established under the Children?s Online
Privacy Protection Act. We do not knowingly collect or retain personally
identifiable information from children.
Safeguarding Personal Information
We employ appropriate safeguards to
protect Personal Information that you provide to us through our Site.
Unfortunately, no method of transmitting or storing data can be guaranteed to
be 100% secure. As a result, although we strive to protect Personal
Information, we cannot ensure the security of any information you transmit to
us through or in connection with the Site. If you have reason to believe that
your interaction with us is no longer secure, please notify us of the problem
by contacting us at privacy@huntington.com.
In the unlikely event that we believe
that the security of your Personal Information in our possession or control may
have been compromised, we may seek to notify you of that development. If a
notification is appropriate, we would endeavor to do so as promptly as possible
under the circumstances, and, to the extent we have your email address, we may
notify you by email.
We may include links in our emails that
link you to information on our Web site about our products, services, and
special pricing or promotional offers. However, we will never ask you for
Personal Information in an email from us (for example, username, password,
Social Security number or account number). We will also never include links
that take you to a non-secure page where you are asked to provide this
information. To determine whether an email that you have received from Huntington is legitimate, you may contact our Customer Service Center toll-free at
1-800-480-BANK (2265) (weekdays, 7:00 a.m. to 10:00 p.m. ET and weekends, 8:00
a.m. to 5:00 p.m. ET).
If you receive an email or other
correspondence requesting that you provide any sensitive information via email
or to a Web site that does not seem to be affiliated with the Site, or that
otherwise seems suspicious to you, please do not provide such information and
report such request to us at idtheft@huntington.com.
Notice
Regarding Web Linking Practices
We provide access to
information, services, and products through Web sites that are owned or
operated by other companies (?third-party Web sites?). We have carefully
chosen a number of other companies to provide information, services, and
products, in hopes of bringing you the value and service you expect from Huntington.
We endeavor to
provide you with information, services, and products from trustworthy
third-party companies; however, we cannot endorse, approve or guarantee
information, products, services or recommendations provided at any third
party?s Web site. Because we may not always know when information on a
third-party site changes, we are not responsible for the content or accuracy of
any third-party Web site. We
have no responsibility or liability for your visitation to, and the data
collection and use practices of, other sites.
When you visit
a third-party Web site by using a hyperlink from the Site, our Customer Notice,
Online Policy and security
practices will no longer apply, and your transaction will occur on that Web site (not the Site) and the
personal information you provide will be collected by, and controlled by the
privacy policy of that Web site?s operator. The data collection, use, and protection
provided by the linked site may differ from those that apply at the Site. You
should familiarize yourself with the legal notices of any third-party linked
site you visit, including the privacy policy and security practices. Those are
the policies and practices that will apply to your use of the third-party linked
site, NOT Huntington?s policies and practices. Because the privacy and
information security practices may be different than Huntington?s, you may be
at greater risk to computer viruses, malicious code, or other defects in Web
sites that may affect your computer.
We have also
established co-branded relationships with other parties on the Internet to
offer you information, services, and products. You can identify that you are
at a co-branded Web site through the use of a hyperlink, when you see the words
?brought to you by?, ?powered by?, or ?provided by?, or the logo of a different
company is visible in a prominent location on the web page. We do not own the
companies that we have chosen to develop a co-branded relationship with, and we
do not control how those companies use any information you supply them.
Notice
Regarding the Use of Online Surveys and Sweepstakes
Online surveys and
sweepstakes are offered from time to time on the Site. Online surveys are used
so that we can gather information to better serve you. Based on the
information you provide to us, we may inform you of accounts and services from Huntington. You are not required to complete online surveys, sweepstakes or promotions.
You should carefully review the rules of each sweepstakes or promotion in which
you participate through the Site, as they may contain additional important
information about Huntington?s use of Personal Information about you. To the
extent that the terms and conditions of each sweepstakes or promotion concerning
treatment of your Personal Information conflict with this Online Policy, the terms and conditions will
control.
Notice
Regarding the Use of Online Planning Tools
We make planning tools,
such as mortgage and savings calculators available. We do not currently store
information that you enter into one of these planning tools or calculators.
Huntington?s Customer Information Privacy Notice
This
Customer Information Privacy Notice (?Customer Notice?):
- Explains
how we collect and disclose customer information when you apply for or obtain financial products and services
for personal, family, or household purposes from any of the Huntington companies described at the end of this Customer Notice.
- Gives
you choices. You may tell us your preferences about sharing customer
information with other Huntington companies. You may also tell us your
preferences about receiving special pricing or other promotional offers
from us.
We may supplement
this Customer Notice to address special state law requirements not otherwise
described in the State Disclosures section below. In the event of any conflict
between the provisions of this Customer Notice and any supplement, the
provisions of such supplement will apply to the extent applicable.
Confidentiality and Security
Protecting customer information has always been important to us. Access to
customer information is limited to those persons who need to know that
information. For example, access to customer information is needed to resolve
questions or inquiries, for internal security or fraud control, to provide
products or services, or to protect or enforce our rights.
We
maintain physical, electronic, and procedural safeguards that comply with
federal standards to guard customer information.
Customer
Information We Collect
We collect customer information about you from the following sources:
- Information
we receive from you on applications or other forms, such as your name,
address, Social Security number, assets, income, and, in the case of
applications for life or health insurance or medical-related debts, any
required medical and health information.
- Information
about your transactions or relationships with us, with other Huntington companies or with third parties, such as information about your balances and
payment history.
- Information
we receive from consumer reporting agencies, such as your creditworthiness
and credit history.
Our Policy About
Disclosing Customer Information Outside of Huntington
We do not disclose customer information we collect about our customers or
former customers to third parties outside of Huntington, except as permitted or
required by law. These exceptions are described below. Since this is our
policy, there is nothing you need to do to request us not to share customer
information with such third parties.
Exception
for Joint Marketing and Service Providers
We may disclose customer information we collect on customers and former
customers to companies that perform marketing services for us or to other
financial institutions with whom we have joint marketing arrangements.
Examples of these
companies or financial institutions are:
- Financial institutions with whom we have
joint marketing agreements, such as insurance companies, mutual fund
companies, credit card companies, and motor vehicle dealers.
- Companies
that provide marketing services for us, such as bulk mailing companies,
direct marketing companies, market research firms, and marketing
consultants.
Other
Exceptions
Other examples of when we disclose customer information outside of Huntington are as follows:
- To
consumer reporting agencies.
- In
connection with audits or any sale or transfer of your accounts or a Huntington company or division.
- For
fraud, security or risk control.
- To
help complete a transaction you initiate, including information requested
to verify the existence or condition of an account.
- To
resolve disputes or inquiries you may have about your accounts.
- With
your consent or at your direction.
- When
disclosure is required by law, such as pursuant to court order, subpoena,
legal process or government agency examination or investigation, or
to protect or enforce our rights.
- To
companies that perform services for us in connection with your accounts,
such as data processing and software companies and collection agencies.
- As
otherwise necessary to service your account, or as permitted or required
by law.
Customer
Information We May Share with Other Huntington Companies
We may disclose customer information we collect on customers and former
customers to other Huntington companies. Huntington companies that may receive
this information are financial service providers, such as banks, mortgage
companies, securities brokers, and insurance agencies. However, we do not
share medical or health information among Huntington companies except as
permitted or required by law, such as to process applications for life or
health insurance or medical-related debts where such information is required.
Additionally, you have the right to ask us not to share certain information
about you with other Huntington companies, including:
- Information
you give us on applications or other forms, such as your income or marital
status.
- Information
we obtain from a consumer report, such as your credit score or credit
history.
- Information
we obtain from others regarding their relationships or transactions with
you or to verify what you tell us, such as account balances or
employment history.
Your Choice About Sharing
Customer Information with Other Huntington Companies
You may complete and mail the Customer Preference Form attached to this
Customer Notice to ask us not to share customer information about you as
described above with other Huntington companies. If you make this choice, it
will apply to all of your accounts with us. Please be aware, however, that
this choice is limited. It does not cover information we are permitted by law
to share with other Huntington companies even if you make this choice, such as
identifying information and information about our experiences and transactions
with you. Also, if you make this choice, our ability to service your account
relationships among different Huntington companies may be limited.
Joint
Accounts
If you are a joint account customer who asks us not to share customer
information with other Huntington companies, we will treat your request as
applying only to you, unless you tell us otherwise. You are permitted to make
this choice on behalf of other joint account customers if the other customers
are properly identified. Also, one or more joint account customers may make
this choice in a single response. Please note, however, that if you make this
choice on behalf of other joint account customers, it will apply to all
accounts of those other customers.
Your
Choice About Promotional Offers
You may complete and mail the Customer Preference Form attached to this
Customer Notice to tell us your preferences about receiving special pricing or
other promotional offers from us. Please note, however, that whether or not
you make this choice, statements and other information that we send to you
about your accounts and transactions may contain special pricing or other
promotional offers.
Correcting
Errors in Information We Share with Consumer Reporting Agencies
If you believe any of the information we share with a consumer reporting agency
is in error, please let us know. Write to us at: The Huntington National Bank,
Consumer Reporting Agencies, P.O. Box 1558, EA4W25, Columbus, Ohio 43216. Please provide us with your complete name, current address, phone number, and Social
Security number. You will also need to include your account number, type of
account, and the specific item in dispute. You must tell us the reason you
believe this information has been reported in error.
Identity Theft
The law provides certain rights to victims of identity theft. If you believe
you are a victim of identity theft with respect to any of your accounts or
transactions with us, you may notify us at: The Huntington National Bank,
Identity Theft, P.O. Box 1558, EA5C48, Columbus, Ohio 43216. Please provide as
much detail as possible about the accounts or transactions in question,
including any dates and account or transaction numbers that apply. We may
contact you to discuss additional information necessary to resolve the matter.
For more information about our identity theft policies and practices, please
visit huntington.com and type ?ID Theft? in the search box. There you will
find helpful information about how to protect yourself. You will also find
additional information on what to do if you believe you are a victim of
identity theft.
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering
activities, federal law requires all financial institutions to obtain, verify,
and record information that identifies each person who opens an account. What
this means for you: When you open an account, we will ask for your name,
address, date of birth, and other information that will allow us to identify
you. We may also ask to see your driver?s license or other identifying
documents.
State Disclosures
In addition
to your rights described below and in this Customer Notice, you may have other
rights under state laws. We will comply with applicable state laws with
respect to our information practices.
Important
information for Ohio residents that apply for or obtain an insurance product
for personal, family, or household purposes from Huntington?s group of
insurance agencies: We may collect personal information from sources other than the persons
proposed for insurance coverage (see, for example, the ?Customer Information We
Collect? section above). We may also disclose that information, as well as
other personal or privileged information subsequently collected, to third
parties outside of Huntington without your authorization to the extent
disclosure is permitted by law. Ohio law provides a right to review and
correct personal information that Huntington collects about you. To receive a
more detailed description of our information practices, please write to us at:
The Huntington National Bank, Ohio Insurance Information Practices, P.O. Box 1558, CB19A, Columbus, Ohio 43216.
Important
information for Nevada residents: At any time, you may request to be
placed on Huntington?s internal do-not-call list by completing and mailing the Customer
Preference Form attached to this Customer Notice. Nevada law requires that we provide
you with the following contact information to enable you to obtain further
information: (i) The Huntington National Bank, Nevada Do-Not-Call Information,
P.O. Box 1558, EA5C48, Columbus, Ohio 43216, Phone: 1-800-480-BANK (2265)
(weekdays, 7:00 a.m. to 10:00 p.m. ET and weekends, 8:00 a.m. to
5:00 p.m. ET), Email: privacy@huntington.com, and (ii) Bureau of Consumer
Protection, Office of the Nevada Attorney General, 555 E. Washington Street,
Suite 3900, Las Vegas, Nevada 89101, Phone: 1-702-486-3132, Email:
BCPINFO@ag.state.nv.us.
Huntington Companies Covered by this Customer Notice
- The
Huntington National Bank (banking), also using the name Huntington
Mortgage Group (mortgage lending).
- Bosgraaf
Capital Company, LLC (mortgage lending).
- Huntington
LT (vehicle leasing).
- The
Huntington Investment Company (investments).
- Haberer
Registered Investment Advisor, Inc. (investment advisory services).
- Huntington
Wealth Planning Advisors, Inc. (financial planning services).
- Huntington's
group of insurance agencies operating under the names Huntington Title
Services, HBI Title Services, Huntington Life Insurance Agency, and
Huntington Property and Casualty Insurance Agency.
Effective Date
This
Customer Notice is effective as of 3/1/07.
