information collected online, online privacy practices, Online Information

Online Privacy Practices

Effective November 11, 2013

SunTrust has a longstanding commitment to protecting the confidentiality of our clients' personal financial information including name, address, email, telephone and/or account numbers. We believe it is helpful to have an overview of how this commitment is applied as SunTrust collects, uses, and protects your personal information when you visit us online.

So that we may better serve your needs, we and our third–party providers monitor your use of our websites and those of our third-party providers. In using these websites, you acknowledge that we do not filter traffic to block monitoring of your use in response to do-not-track signals or mechanisms external to our systems or those of our third-party providers.

The Types of Information We Collect and How it is Used

When you visit a SunTrust website or otherwise interact with us online, we may collect navigational information, such as pages visited and average time spent on a particular page. We may also collect technical information concerning your device browser type, IP address, or the presence of any software necessary to view our site, as well as information about the– device you use to access secure pages. This is done to help us analyze our site and enhance your experience, to alert you of any possible software compatibility issues as well as helping us to make decisions about how various technologies are used. We may use personal information to send you marketing communications, present personalized offers, ads, or content that we believe may be of interest to you; for business purposes, including data analysis, audits, developing and improving products and services, enhancing the site, identifying usage trends and determining the effectiveness of promotional campaigns. In some cases, we may also use this information to help protect the security of your personal and account information.

When you or your representative provides personal information on applications, forms, and electronic messaging, we use it for many purposes, including processing transactions on your account, responding to product applications and questions, and to fulfill regulatory requirements. SunTrust maintains strict policies against the unauthorized disclosure or use of client information and has extensive safeguards in place to prevent unauthorized access.

SunTrust and its online advertising and marketing partners may employ various technologies to collect information, including:

  • Cookies: Cookies are pieces of information stored directly on your device. Cookies provide information that is used for security purposes, to facilitate navigation, to display information more effectively and to personalize/customize your online experience. You can choose to block these cookies as most devices and browsers offer their own privacy settings. Doing so, however, may result in diminished performance on our site.
  • Pixel tags, web beacons, clear GIFs or other technologies: These may be used in connection with certain pages and downloadable mobile applications to measure the effectiveness of our site and compile statistics about usage and response rates.
  • Flash objects: Flash objects help us recognize you and your device and are vital for online authentication. For pages running Adobe® Flash® content, we use Flash objects to determine your browser type and version of Adobe Flash in order for you to view the content. Deleting cookies does not delete Flash objects. You can learn more about Flash objects - including how to control and disable them - at the Adobe website (http://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html). If you disable Flash objects, you may not be able to access and use parts of suntrust.com.
  • Aggregated Data: Aggregated data is compiled from sources including accounts and transactions. This information, which does not identify individual clients, is used for various business purposes including marketing research and data analysis.
  • IP Address: Your IP Address is a number that is automatically assigned to your device by your Internet Service Provider (ISP). An IP Address is identified and logged automatically whenever a user visits the site, along with the time of the visit and the page(s) that were visited. This information is used to calculate usage levels, diagnose server problems and for compliance, security and administration purposes.

Web Site Analytics: Like many web sites, SunTrust utilizes web site analytics technology (explained above) to monitor movements and actions online. If you would prefer that your movements and actions online at suntrust.com not be monitored, you can opt-out of all tracking at https://somni.suntrust.com/optout.html.

Concerning Online Advertising

SunTrust advertises on pages within suntrust.com as well as on other websites not affiliated with SunTrust. Information collected through cookies and other technologies includes the number of people who look at each page, search engine referrals, browsing patterns, and responses to advertisements and promotions on our website and others where we advertise.

Advertising on suntrust.com

SunTrust advertises its products and services, including prescreened offers of credit, on pages within our site. These advertisements may take the form of banner ads, splash ads (ads that appear as you sign on or sign off of your online accounts), and other formats. If you would like to opt-out of personalized banner advertisements, content, and offers on the unauthenticated pages (before sign-in) at SunTrust.com, you can opt out at http://suntrust.tt.omtrdc.net/optout (clicking this link will bring up a blank page which activates the opt-out).

Relationship-Based Advertising: SunTrust may customize content and advertisements for products and services on our site. To make the content and advertising as informative and useful as possible, we may use information about your relationship with us (such as types of accounts, transactional information or the state in which you bank).

Online Banking Targeting: SunTrust may advertise for products and services in Online Banking, when SunTrust clients login with their username/password. These are the same targeted products that the clients may have received a direct mail/ email for or when then walk into a SunTrust branch.

Advertising on Third-Party Sites

SunTrust advertise its products and services on unaffiliated websites and mobile apps. We may use aggregated data and information provided by you at these third-party websites to select which of our advertisements or offers may appeal to you, display them to you and monitor your responses. Many of our third-party partners have their own privacy policies. We encourage you to review these policies carefully.

Interest-based Advertising: Some of our ads are interest-based advertising and may gather and use information on your online interests to customize the Web ads you see.

SunTrust has adopted the use of the AdChoices Icon (also known as the Advertising Option Icon) on our interest-based advertising (excluding ads appearing on platforms that do not accept the icon). Anyone receiving an interest-based ad may click on the displayed icon to receive more information. By clicking on the AdChoices Icon, you learn about how interest-based ads are delivered to you. More importantly, the AdChoices Icon gives you the ability to control whether you receive interest-based advertising and from which companies.

For more information on interest-based advertising, go to http://www.youradchoices.com/

Mobile Applications

SunTrust's mobile applications allow you to access your account balances, make deposits and transfers and pay bills on your smartphone or tablet. These Online Privacy Practices apply to any personal information that we may collect through these applications.

Security

When you bank online, encrypted cookies, flash objects and similar tools help us ensure your identity and protect your accounts from unauthorized use. We also use firewalls, passcodes, data encryption and other safety features to ensure that the information you provide us remains secure.
More information on how we safeguard your information online and measures you can take to protect yourself can be found in the Security section.

Linking to Other Sites

We may provide links to non-SunTrust companies, such as credit bureaus or merchants, and will notify you when leaving the SunTrust site. If you choose to link to websites not controlled by SunTrust, we are not responsible for the privacy or security of these sites, including the accuracy, completeness, reliability or suitability of their information. If you are asked to provide information on one of these sites we urge you to carefully study their privacy policies before sharing.

Aggregation Services

Aggregation allows you to gather information from many websites and view that information in a consolidated format on one site. If you provide information about your SunTrust accounts (including your access information) to an aggregation service provider, we will consider that as your having authorized all transactions initiated by that aggregation site. SunTrust reserves the right to disable aggregation for any account without notice. If you wish to cancel your third-party aggregation services you should also change your password at suntrust.com.

Social Security Numbers

As part of its Online Privacy Practices, SunTrust is committed to protecting the confidentiality of Social Security numbers, prohibiting unlawful disclosure of Social Security numbers, and limiting access to Social Security numbers.

Protecting Your Children

SunTrust strictly follows the federal guidelines of the Children's Online Privacy Protection Act (COPPA) which gives parents control over what type of information is collected online about their children. Visit the COPPA website for more information.

We do not knowingly collect, maintain, or use personally identifiable information from children under age 13 on our websites. We are not responsible for the data collection and use practices of nonaffiliated third-parties that are linked from our websites.

Social Media

SunTrust provides experiences on social media platforms such as Facebook® or, Twitter® that enable online sharing and collaboration. Any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms, is subject to the terms of use and privacy policies of those platforms. Please refer to them to better understand your rights and obligations with regard to such content.

Given the very public nature of social media, it is critical that we all safeguard confidential financial information. If you post information on a SunTrust site that we feel should be shielded from public view, we will remove it. This includes not only specific details about your SunTrust accounts and other private, confidential information (such as your Social Security number), but also details of information relayed in private conversations between you and SunTrust teammates. Please know that in taking down or editing your posts, we are focusing our experience and best judgment on keeping your financial information safe.

Online Privacy Practices Updates

SunTrust’s Online Privacy Practices are subject to change. Please review them periodically. Any changes will become effective when we post the revised Practices on the site (please note effective date listed at top). Your use of the site following these changes means that you accept the revised Practices.

Securities, Investment and Insurance Products and Services:

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