Electronic Communications Disclosure |
Note: This disclosure applies to communications that we are legally required to provide to you and other communications that we provide to you in connection with any or all of your consumer accounts, products and services accessible with Online Banking or on any websites within the Bank of America family of companies.
Please read this Electronic Communications Disclosure ("eCommunications Disclosure") thoroughly - it contains important information about your legal rights. This eCommunications Disclosure covers all of your consumer accounts, products, and services with the Bank of America family of companies (collectively, "Bank of America," "we," "us," and "our") accessible, either currently or in the future, through Online Banking or any Bank of America websites. This includes, but is not limited to, the following account and product and service types: deposit accounts, credit cards, loans, insurance policies and other online services. The words "I," "you" and "your" mean each account holder, product owner and/or service user identified on an account, product or service.
(1) Your Legal Rights
Certain laws require us to provide specific information to you in writing, which means you have a right to receive that information on paper. We may provide such information to you electronically if we first present this eCommunications Disclosure and obtain your consent to receive it electronically. Your consent will also apply to any other person named on your account, product or service, subject to applicable law. Since Online Banking includes some of this information, you must consent to this eCommunications Disclosure in order to enroll in Online Banking. At times, we may still present you with paper disclosures, but as a basic proposition we need to know that you are willing to receive disclosures and other information electronically that otherwise must be provided on paper and that you have the hardware and software needed for our Online Banking services (note that in Section 3, we explain ways to obtain selected disclosures or other information on paper even after you have consented to this eCommunications Disclosure).
(2) Types of Electronic Communications You Will Receive
You understand and agree that Bank of America may provide to you in electronic format only, by posting the information in Online Banking or at any Bank of America website or through email (if applicable and if you have provided a valid email address) agreements, disclosures, notices, statements, and other information and communications regarding your accounts, services and products; the use of any Online Banking or other Bank of America web services; your relationship with us; and/or other programs, products or services that are or may in the future be made available to you ("Communications"). Such Communications may include, but are not limited to:
(3) Setting Your Electronic Communications Preferences
After you consent to this eCommunications Disclosure, you will still be able to set your preferences to receive certain Communications in (1) both electronic and paper format; (2) electronic format only; or (3) paper format only. The option to set your Communications preferences may not be available for all Bank of America products, accounts or services. For more information on the availability of your electronic communications preference management options within Online Banking, please refer to our electronic communications preference web page. If you decide to receive some Communications on paper and some electronically, the Communications that you receive electronically will be governed by this eCommunications Disclosure.
(4) Types of Communications You Will Receive in Paper Form
This eCommunications Disclosure does not apply to:
Such notices and disclosures shall be mailed to the primary address we show for you in our records or otherwise delivered as required by law or the governing agreement.
(5) Hardware and Software Requirements
While you may be able to access and retain the Communications using other hardware and software,
your personal computer needs to support the following requirements:
Most Communications provided within Online Banking or at any Bank of America websites are provided either in HTML or PDF format. For Communications provided in PDF format, Adobe Acrobat Reader 6.0 or later versions is required. A free copy of Adobe Acrobat Reader may be obtained from the Adobe website at www.adobe.com.
Download Adobe Reader for free. Link opens new window.In certain circumstances, some Communications may be provided by email. You are responsible for providing us with a valid email address to accept delivery of Communications.
To print or download Communications you must have a printer connected to your computer or sufficient hard-drive space (approximately 1 MB) to store the Communications.
(6) How to Withdraw Your Consent to this eCommunications Disclosure
Subject to applicable law, you may withdraw your consent to this eCommunications Disclosure by calling the appropriate toll-free customer service phone numbers. For Online Banking, the customer service phone numbers are available through the Customer Service Page. On any Bank of America websites, please access the "Contact Us" link to find the appropriate phone numbers. You will not be charged a fee for withdrawal of your consent
If you withdraw your consent, we may stop providing you with Communications electronically, and we may terminate your Online Banking access. Your withdrawal of consent is effective only after you have communicated your withdrawal to Bank of America by calling the appropriate customer service phone numbers and Bank of America has had a reasonable period of time to act upon your withdrawal. Your consent shall remain in force until withdrawn in the manner provided in this section.
Remember that you can always set your Communications preferences as described in Section 3 without withdrawing your consent to this eCommunications Disclosure.
Consent Coverage; Certain Notices From You Are Not Covered. Applicable law or contracts sometimes require you to give us "written" notices. You must still provide these notices to us on paper. Your consent here does not relate to those notices.
(7) Obtaining Copies of Electronic Communications
You may print or make a copy of Communications by using the "Print" button (or otherwise using your printing functionality) or saving a copy - do this when you first review the Communications because after submission we do not necessarily keep them all in a place that you can access. Upon request, we will provide you with a paper copy of any Communications provided electronically by Bank of America to you pursuant to this eCommunications Disclosure, provided we receive your request within 12 months after the date the Communication was first made available to you electronically. You may request a paper copy of these Communications by calling us at the appropriate toll-free customer service phone number for your account, product or service. Please refer to the Customer Service Page within Online Banking or the "Contact Us" link on the Bank of America website to find the appropriate customer service phone number.
Be sure to specify your account, service or product identification number, as applicable, the specific Communication for which you are requesting a paper copy, and the address to which it should be mailed. We may charge fees for paper copies of the Communications.
(8) Updating Your Contact Information
In the event that your email address or other contact information is changed, you must notify Bank of America of such changes immediately through one of the following methods:
If you fail to update or change an incorrect email address or other contact information, you understand and agree that any Communications shall nevertheless be deemed to have been provided to you if they were made available to you in electronic form in Online Banking or at another Bank of America website or sent to the email address we have for you in our records
(9) Retain Copies for Your Records
We recommend that you print or download a copy of this eCommunications Disclosure, the Service Agreement and all other Communications to retain for your permanent records. If you have not already placed a copy of our Privacy Policy in your records, you can obtain another copy. If you are initiating the Online Banking enrollment process at a banking center, the banking center associate can provide you with paper copies.