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This Online Privacy Notice and Policy (the “Notice”) applies to all Industrial and Commercial Bank of China (USA) NA (the “Bank”) online interfaces, including websites, mobile applications, and all internet-based applications, as well as all such online interfaces associated with any Bank subsidiary, affiliate, or authorized service provider (collectively, all such online interfaces are referred to as the “Sites”). The Notice is written in the English language, and to the extent any translated versions of the Notice conflict with the English language version of the Notice, the English language version shall control. Please note that your use of the Sites is also subject to our Terms of Service.
This Notice describes how Sites may collect, use and share information from or about you, and explains how information may be collected and used for advertising purposes. This Notice is subject to change. Please review it periodically. Your use of the Sites following any such changes means that you accept the revised Notice. The Bank may provide links to other online interfaces not covered by this Notice. If you visit or access your accounts from another site, please review the online privacy practices of that site to understand how your online information may be collected, used, and shared. By using the Sites, you agree to the terms and conditions of this Notice, and any subsequent revised Notice.
Your information collected through the Sites may also be covered by the Bank’s Consumer Privacy Notice. The Bank’s Consumer Privacy Notice explains how we collect, use and retain information from those who apply for or obtain financial products or services from the Bank that are used primarily for personal, family or household purposes. California residents may have additional rights with respect to the Personal Information we collect under the California Consumer Privacy Act (CCPA), which can be found on our website by clicking https://www.icbc-us.com/en/column/1438058793849471131.html (“CCPA Notice”).
Collection and Use of Information
Personal Information We Collect Online
“Personal Information” means individually identifiable information about an individual collected by the Bank through the Sites that is maintained in an accessible form. The Bank may collect the following categories of personal information when you use our Sites: your name, mailing address, email addresses, telephone, fax or mobile numbers, or account numbers. This information can be provided to us via forms, surveys, applications or other online interactions with the Sites.
Other Information We Collect Online
“Other Information” is any information, other than Personal Information, that does not reveal your identity or does not directly relate to you as an individual, such as what web browser you are using; information collected through cookies, pixel tags, and other technologies; demographic information; other information provided by you, such as your date of birth or household income; as well as aggregated and de-identified data.
How We Collect and Use Other Information
We, and our third-party service providers, may collect and use Other Information in a variety of ways, including through your web browser or mobile device, such as your Media Access Control (MAC) address, device type, operating system version and internet browser type and version. We use this information to ensure Sites function properly, for fraud detection and prevention, and security purposes.
We also may use cookies to collect information. Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the Sites, pages visited, and additional information associated with the Sites. We use the information for security purposes, to facilitate navigation, to display information more effectively, to customize your experience while engaging with us, and to recognize your device to allow your use of our online products and services.
We collect statistical information about the usage of the Sites in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the Sites, and to assist us with resolving questions regarding the Sites.
You can refuse to accept these cookies as most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconveniences in your use of the Sites and some online products and services.
Additionally, we may use other technologies, such as pixel tags, web beacons, or other methods, in the Sites for a variety of business purposes, including compiling statistics about usage and response rates, customizing your experience while engaging with us online and offline, for fraud detection and prevention, for security purposes, for advertising, and to assist us in resolving questions regarding use of the Sites.
Your internet protocol (IP) Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address may be identified and logged automatically in our server log files whenever a user visits the Sites, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the internet and is done automatically by many websites. We use IP Addresses for purposes such as calculating Site usage levels, helping diagnose server problems, to customize your experience while engaging with us online and offline, for compliance and security purposes, for advertising, and administering the Sites. In the case of abuse on the Sites, we may block certain IP addresses from individuals or specific geographic locations for security purposes.
Aggregated and de-identified data is data that we may create or compile from various sources, including but not limited to accounts and transactions. Such data, once aggregated and de-identified, does not identify individual users or account holders. This information, which does not identify individual account holders, may be used for our business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws.
Your Access to and Control over Information
You may opt out of certain future contracts from us at any time, although we may need to send certain transactional confirmations or notices associated with your account, or to assist in the management or closure of your account. You can also do the following at any time by contacting us at the contact information set forth in this Notice:
·● See what data we have about you, if any.
·● Change or correct any data we have about you.
·● Have us delete any data we have about you, subject to any obligation we may have to preserve any such data under state or Federal law;
·● Express any concern you have about our use of your data.
If you are a California resident you may also have additional rights to access, delete and correct your Personal Information. See our CCPA Notice for more information on your rights under the CCPA.
Mobile Applications
The Bank may provide mobile applications that allow you to access your account balances and holdings, make deposits and transfers, and pay bills on your mobile device. This Notice applies to any Personal Information or Other Information that we may collect through any mobile applications. Also, depending on the context in which the Personal Information was collected the Consumer Privacy Notice or CCPA Notice may also apply to Personal Information and Other Information collected through mobile applications.
Links to Other Sites
We may provide links to third party sites, such as credit bureaus, service providers, or merchants. If you follow links to sites not affiliated or controlled by the Bank, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites. The Bank does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information.
Social Media
The Bank may provide experiences on social media platforms including, but not limited to, Facebook®, Instagram®, Twitter®, YouTube®, and LinkedIn® that enable online sharing and collaboration among users who have registered to use them. Any content you post on Bank-managed social media pages, 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 respective social media platforms. Please refer to them to better understand your rights and obligations with regard to such content.
Data Security
To protect your Personal Information, we maintain administrative, technical, and physical safeguards designed to comply with applicable federal and state laws and regulations. These safeguards include controls over access to information, secure systems and facilities, and oversight of our third-party service providers to help ensure that Personal Information remains confidential and secure. Personal Information is protected when transmitted through our digital channels and when maintained in our systems. While we take reasonable and appropriate measures to safeguard your information, no system or method of transmission over the internet is completely secure. Accordingly, we cannot guarantee the absolute security of information transmitted electronically, despite our efforts to protect it.
We encourage customers to take reasonable precautions to protect their Personal Information, such as safeguarding account credentials and promptly notifying us of any suspected unauthorized activity. We recommend that you do not use unsecure channels to communicate sensitive or confidential information (such as your tax identification number) to us.
Ensure That Account Information is Accurate
Keeping your account information accurate and up to date is extremely important. If your account information is incomplete, inaccurate or not current, please contact us at 212-238-8208 for accounts opened in the New York Region, 626-300-8888 for accounts opened in the Southern California Region, or 415-668-7788 for accounts opened in the Northern California Region, or send an email describing the facts and circumstances at issue to info@us.icbc.com.cn. You may also write to us at The Industrial and Commercial Bank of China (USA) NA, 1185 Avenue of the Americas, 16th Floor, New York, NY 10036. You can also speak to a customer representative at your local branch of the Bank.
No Children Under the Age of Thirteen
The Sites are not directed to individuals under the age of thirteen, and we request that these individuals do not provide Personal Information through the Sites. We do not knowingly collect information from children under the age of thirteen. If you believe we have inadvertently collected information from a child under the age of thirteen, please notify us immediately through any of the contact methods listed in this Notice.
Do Not Track
The Sites do not respond to web-browser “Do Not Track” signals. However, depending on the third party websites you visit, as well as any preferences and authorizations you have provided to others, your activity on our Sites and across other websites, including Personal Information, may be tracked and collected by third parties and us. Whenever you access third party sites (including search engine sites and sites linked via search engine sites) or provide them with information, these third parties may track your activity across the Internet, collect and share your Personal Information with third parties and us, all subject to the third party's privacy and security practices.
Effective Date: June 1, 2026
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