Jenius Bank™ Online Privacy Policy
Jenius Bank is committed to your privacy. Below is an explanation of how we collect, manage, and protect your information.
Effective Date: Jan 1, 2023
Table of Contents
- What this Privacy Policy Covers
- What Personal Information We Collect
- How We Use Personal Information
- How We Share Personal Information
- How We Protect Your Personal Information
- Other SMBC Relationships
- Third-Party Services and Features
- Children’s Privacy
- Update Your Privacy Preferences
- Cookies and Other Tracking Technology
- Updates
- Additional Resources
1. What this Privacy Policy Covers
This Online Privacy Policy (“Privacy Policy”) describes Jenius Bank’s privacy practices, which covers all information collected through online or mobile application services that link to this policy (collectively the “Services”). Our Services are intended solely for a U.S. audience. The terms “Jenius,” “Jenius Bank,” “we,” “us,” or “our” mean Jenius Bank, a division of SMBC MANUBANK. “You” means any U.S. consumer who accesses the Services.2. What Personal Information We Collect
“Personal Information” collected by Jenius Bank includes any data that identifies or relates to you as an individual. Personal Information collected by the Services includes:- Identity Data - Examples include name, username or similar identifier, date of birth, gender, marital status, and title.
- Contact Data - Examples include postal address, email address, and telephone numbers.
- Financial Data - Examples include bank account, transaction, and payment details from Jenius Bank accounts and/or accounts you may link to the Services.
- Identification Data - Examples include Social Security Numbers (SSNs) and driver's license, and passport numbers.
- Transaction Data - Examples include details about payments to and from your bank accounts and other details of products and services you have purchased from us.
- Device Data - Examples include your Internet Protocol (IP) address, your login data, the domain and host from which you access the Services, the date and time you access our online properties, browser and operating system data, and the internet address of the site from which you linked to the Services.
- Profile Data - Examples include your username and password, interests, communications or other preferences, feedback, and survey responses.
- Usage Data - Examples include data about how you use our websites and apps, products, and services.
- Biometric Data - Examples include fingerprints or voice prints, voice recordings, and keystroke patterns.
- Geolocation Data - Examples include approximate geographic location inferred from an IP address.
- Marketing and Communications Data - Examples include correspondence and other communications for the purposes of providing client support and your communication preferences.
3. How We Use Personal Information
Jenius Bank uses Personal Information for the following purposes:- Providing products and services to consumers.
- Identifying and preventing fraud.
- Verifying your identity.
- Conducting data analysis and research.
- Improving products and services.
- Marketing and advertising.
- Maintaining internal systems and infrastructure.
- Ensuring compliance with all other applicable laws and regulations.
- Responding to civil, criminal, or regulatory requests.
- Auditing related to a current interaction with the consumer.
- Detecting security incidents, protecting against malicious, deceptive, fraudulent or illegal activity, and prosecuting those responsible for that activity.
- Identifying and debugging errors that impair functionality.
- Permissible short-term transient use.
- For any other use disclosed at, or before the point of collecting the Personal Information.
4. How We Share Personal Information
Jenius Bank shares Personal Information with the following parties:- Affiliates
- Subsidiaries
- Our parent company – Sumitomo Mitsui Banking Corporation (“SMBC”)
- Business partners
- Service providers
- Third parties with whom you authorize or direct us to share your information
- Government entities and others with whom we share information for legal or necessary purposes
5. How We Protect Your Personal Information
The protection of your personal information, including U.S. Social Security Numbers, is a top priority for Jenius Bank. We strive to limit access to personal information solely to authorized employees, agents, contractors, and/or vendors. We also maintain physical, technical, and administrative safeguards designed to protect personal information against any loss or misuse while in our possession.6. Other SMBC Relationships
Services provided under the SMBC MANUBANK brand or any other SMBC companies are not covered by this Privacy Policy and are subject to separately maintained policies.7. Third-Party Services and Features
For your convenience and information, the Services may provide links to other online services which may include third-party features such as apps, tools, widgets, or plug-ins. These online services and third-party features may operate independently from us and are subject to their own independent privacy policies, which we strongly suggest you review. To the extent any linked online services or third-party features are not owned or controlled by Jenius Bank, we are not responsible for these third-party privacy practices.8. Children’s Privacy
Our Services are designed for a general audience and are not intended for, or directed to children. In connection with the Services, we do not knowingly collect any personal information from children under the age of 13 without parental consent. If you believe that a child under age 13 may have provided us with personal information without parental consent, please contact us at smbcprivacy@smbcgroup.com as soon as possible.9. Update Your Privacy Preferences
Consumers can submit privacy preferences at any time to opt out of email marketing and be added to our do not call list. Please use the following links to submit a request to opt out of email marketing and/or submit a request to be added to our do not call list .10. Cookies and Other Tracking Technology
A "cookie" is a text file that is stored to your browser when you visit a website. Unique device identifiers like IP address or UDID recognize a visitor's computer or other device used to access the internet. Unique device identifiers are used alone, and in conjunction with cookies and other tracking technologies for the purpose of "remembering" computers or other devices used to access the Services. We may also use other technologies like pixels or tags that allow us to measure responses to our email communications. Cookies are often classified by duration and by source:- Duration - The Services use both "session" and "persistent" cookies. While session cookies are temporary and terminate when you close your browser, persistent cookies remember you on subsequent visits. Persistent cookies are not deleted when you close your browser and will remain on your computer or other device unless you choose to delete them (see below for "How to Delete or Block Cookies").
- Source - Cookies can be "first-party" or "third-party" cookies, which means that they are either issued by, or on behalf of Jenius Bank or by a third-party operator of another website.
- Strictly Necessary Cookies - These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions taken by you such as logging in, or filling in forms. You can set your browser to block or alert you about these cookies; however, blocking them may limit certain functionality of the Services.
- Performance Cookies - These cookies allow us to monitor visits and traffic sources so we can measure and improve the performance of our Services. Most commonly, they help us to know which pages are the most popular and see how visitors interact with the Services. All information these cookies collect is aggregated. If you do not allow these cookies, we may not know when you have accessed the Services, and will be less able to effectively monitor their performance.
- Functionality Cookies - These cookies enable enhanced functionality and personalization when using the Services. They may be set by us or third-party service providers. If you do not allow these cookies, some of the functionality of the Services may be limited.
- Targeting/Marketing Cookies – These cookies may collect information about activities across different websites, devices, or mobile applications for targeted advertising purposes. The service providers may then display ads based on information collected and/or shared with them.