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.
Last Updated: February 2025
Table of Contents
- What this Privacy Policy Covers
- What Personal Information We Collect
- How We Collect Your Personal Information
- How We Use Personal Information
- How We Share Personal Information
- How We Protect Your Personal Information
- 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
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.This Online Privacy Policy (“Privacy Policy”) describes Jenius Bank’s privacy practices, which covers all information collected through digital properties (websites and mobile applications) owned or controlled by Jenius Bank that link to this policy (collectively “Services”). This Privacy Policy only applies to digital properties that link directly to this Privacy Policy. Our Services are intended solely for a U.S. audience.Our website may contain links to third-party sites not controlled by Jenius Bank or this Privacy Policy. Therefore, we recommend you review the privacy statements of other sites you visit prior to sharing any Personal Information.2. What Personal Information We Collect
We collect Personal Information about you from the information you provide when you visit our digital properties. 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 but is not limited to:- 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), 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, through tracking technologies such as cookies and web beacons
- 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 purpose of providing client support and your communication preferences
3. How We Collect Your Personal Information
- Personal Information may be provided by you directly:
- Such as when you apply to open an account, engage in a transaction, visit our digital properties, or engage with us on social media.
- Publicly available via information, such as social media posts or other information you choose to make publicly available.
- Or indirectly, as noted below, from:
- Affiliates, which are companies related to us by common ownership or control
- Our business partners and service providers, such as marketing companies, information technology services companies, data providers, fraud prevention services, due diligence and investigatory services, and data analytics providers.
4. 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 uses
- For any other use disclosed at, or before the point of collecting the Personal Information
5. How We Share Personal Information
Jenius Bank may disclose Personal Information to the following parties:- Our parent company – Sumitomo Mitsui Banking Corporation (“SMBC”)
- Other SMBC Affiliates
- Business partners
- Service providers
- External parties to whom you authorize or direct us to disclose your information
- Government entities and others to whom we disclose information for legal or regulatory purposes
6. How We Protect Your Personal Information
We 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.Social Security Number Protections
Jenius Bank collects Social Security Numbers (SSNs) as necessary to support state and federal legal requirements, to provide products or services to you and to meet needs within our Human Resources unit. To support these requirements, we have carefully designed technical, administrative, and physical safeguards to:- Limit access to SSNs only to employees or service providers with a business purpose
- Prohibit disclosure of SSNs to unauthorized parties
- Protect the confidentiality of all customer SSNs
7. Third-Party Services and Features
For your convenience and information, our Services may provide links to other third-party features such as apps, tools, widgets, or plug-ins. These 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. 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 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
We use a variety of tracking technologies including cookies and web beacons to collect information about your online/mobile activity when you visit our digital properties. A "cookie" is a text file that is stored on your browser when you visit a website. Unique device identifiers like IP address or Unique Device Identifier (“UDID”) recognize a visitor's computer or other device used to access the internet. UDID’s 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 and Other Tracking Technologies").
- Source - Cookies can be "first-party" or “third-party” cookies. First-party cookies are set by or on behalf of the website operator (i.e. Jenius Bank) to gather information for use by the operator. Third-party cookies are hosted cookies to gather information for use by a third-party.
Tracking Technologies
- Google Analytics: We use Google Analytics, a web analytics service provided by Google, Inc. (“Google”) to collect certain information relating to your use of our Services. Google Analytics uses cookies, to help our Services analyze how users use our website. You can find out more about how Google uses data when you visit our Services by visiting “How Google uses data when you use our partners' sites or apps”, (located at www.google.com/policies/privacy/partners/). For more information, please visit Google and pages that describe Google Analytics, such as www.google.com/analytics/learn/privacy.html. You can opt out of data collection or use by Google Analytics by clicking the following link: https://tools.google.com/dlpage/gaoptout (requires you to install a browser add-on).
- Google Floodlight: We use Google Floodlight to measure advertising effectiveness and retarget users with relevant ads. Floodlight collects data such as ad interactions, website conversions, and cross-device tracking information. This data helps us improve our ad campaigns. Google may use this data for ad targeting in accordance with its privacy policy (https://policies.google.com/privacy?hl=en-US). For more information, please visit Google and pages that describe Google Floodlight, such as https://support.google.com/sa360/answer/3027419?hl=en. You can manage your ad preferences or opt out via Google Ad Settings (https://myadcenter.google.com/)
- Session Replay Technology: We use session recording and replay technology to observe your mouse movements, scrolling, and clicks on our websites and Apps. We use these tracking tools for support and analytics purposes, and to better understand how people engage with our sites and Apps. This information is often collected and processed by our service providers who we have engaged to analyze this information on our behalf. By using our digital properties, you consent to our (or our service provider’s) collection, use, and retention of this information using session replay technology.
- Meta Pixel: We use Meta Pixel, a web analytics and advertising service provided by Meta Inc. (“Meta”) on our Services. With its help, we can keep track of what users do after they see or click on a Facebook or Instagram advertisement, keep track of users who access our Services or advertisements from different devices, and better provide advertisements to our target audiences. The data from Meta Pixel is also saved and processed by Meta. Meta can connect this data with your Meta or Instagram account and use it for its own and others advertising purposes, in accordance with Meta’s Data Policy which can be found at https://www.facebook.com/about/privacy/. Please click here if you would like to withdraw your consent for use of your data with Meta Pixel https://www.facebook.com/settings/?tab=ads#_=_.