When you visit or use our online services, we may collect personal information from or about you such as your name, email address, mailing address, telephone number(s), limited location information, such as Cellular Network information, mobile device details, user name and password.
We use the information discussed above in a number of ways, such as:
We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.
We may share the information we collect from and about you with our affiliates and other third parties. For example, we may share your information with:
We may share anonymous or aggregated information with third parties to help deliver products, services, and content that are tailored to the users of our online services and for other purposes.
UBC and other parties own the trade marks, logos and service marks displayed on this website and users are prohibited from using the same without UBC’s written permission or of such other parties. The materials on this website are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without UBC’s prior written consent.
“Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience. Most web browsers may allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online services.
Clear GIFs, pixel tags or web beacons—which are typically one-pixel, transparent images located on a webpage or in an email or other message—or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements or you otherwise interact with advertisements outside of our online services. These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement.
You will see advertisements when you use many of our online services. These advertisements may be for our own products or services (including pre-screened offers of credit) or for products and services offered by third parties. Which advertisements you see is often determined using the information we or our affiliates, service providers and other companies that we work with have about you, including information about your relationships with us (e.g., types of accounts held, transactional information, location of trading activity). To that end, where permitted by applicable law, we may share with others the information we collect from and about you.
Online behavioral advertising (also known as “OBA” or “interest-based advertising”) refers to the practice of collecting information from a computer or device regarding a visitor’s web-browsing activities across non-affiliated websites over time in order to deliver advertisements that may be of interest to that visitor based on their browsing history. Through OBA, we hope to deliver advertisements that are most likely to be of interest to you using information about your other web-browsing activities (e.g., the web pages you visit, search terms you enter, and the way you move through our online services on your computer or device) or your personal profile (e.g., demographic or location information). Certain companies we work with may set cookies and use related tracking technologies, such as the clear GIFs discussed above, throughout our online services or in our communications to support these OBA efforts.
While every care has been taken in preparing the information and materials contained in this website, such information and materials are provided to you "as is" without warranty of any kind either express or implied. In particular, no warranty regarding non-infringement, security, accuracy, fitness for a particular purpose or freedom from computer virus/malware is given in conjunction with such information and materials.
E-mail messages sent to UBC over the Internet cannot be guaranteed to be completely secure. UBC will not be responsible for any damages incurred by users if they send a message to UBC, or if UBC sends a message to them at their request, over the Internet. UBC is not responsible in any manner for direct, indirect, special or consequential damages arising out of the use of this website.
We use reasonable physical, electronic, and procedural safeguards that comply with the applicable regulatory and legal requirements to protect and limit access to personal information. This includes device safeguards, security of files and buildings.
Please note that information you send to us electronically may not be secure when it is transmitted to us through unsecured channels. We recommend that you do not use unsecured channels to communicate sensitive or confidential information to us.
Keeping your account information up-to-date is very important. Please use the Contact Us option on our site, or call or write to us using the contact information listed on your account statements, records, or other account materials. You can also speak to one of our branch representatives, or our service desk.