date: January 1, 2014
These Online Privacy Practices only relate to the
information we collect online. See below for our general privacy notice
applicable to consumers as required by federal law. How we handle
information about you when you visit our website will depend on what
you do when visiting comerica.com and other websites owned by Comerica
Solely Visiting Our Website
If you visit our website to solely read information and do
not use any of our online services (offered to non-customers and/or
customers), then we collect and store only the name of the domain from
which you access the Internet, the date and time you access our
website, Internet address of the website from which you linked directly
to our website and your zip code. We may record the “IP
address” assigned to you by your internet service provider as part of
this process. We use the information we collect to measure the number
of visitors to different sections of our site, and to help make our
website more useful to visitors.
We recommend that when you complete your online transactions
to log off completely before visiting other sites and/or restart your
personal computer. This may clear your cookies (see “Cookies”
discussion below). We also recommend that you do not visit
other sites during your online banking session with us.
When you visit our website and use our website to engage in
account opening or electronic banking services (e.g. Comerica Web
Banking®), then there may be times when you are
asked to provide information about you that is personally identifiable
(“Personal Information”). This may include the following:
- your first, middle and last name,
- your zip code, home or other physical address (including
the street name and name of a city or town),
- your e-mail address,
- a telephone number,
- social security number,
- account number,
- date of birth,
- mother’s maiden name,
- password or any other identifier that permits physical or
online contact with you, and
In addition to above we may ask you to provide
non-personally identifiable information; however, such information may
be deemed to be sensitive or personal for identity theft and other
fraud purposes. This may include the following:
- Average Account Balance,
- Household Income,
- Federal Income Tax Bracket,
- Monthly Debt,
- Monthly Rent, and
- Available Down Payment Amount.
- Account Preferences,
- Needs for Savings,
- Challenge/Security Questions,
- User IDs, and
Please note that user IDs, personal IDs, passwords, and PINs
along with tokens or challenge/security questions would be provided by
you only in connection with you opening or logging onto one or more of
our services or when you set up and use an aggregation service that
allows you to consolidate your financial account information from a
variety of sources. Comerica Bank would never request
personal information (e.g. social security number, user IDs, or
passwords) via unsolicited e-mail. Be cautious when clicking
on links in e-mails or responding to e-mails you have received,
particularly when the message is urgent or threatening. By
doing so, you may unwittingly downloaded viruses or spyware that may
cause you to be redirected to a fraudulent site, even when you type in
a legitimate site address, such as comerica.com/privacy. If
you are concerned that an e-mail you have received may not be from
Comerica, then please send the suspicious e-mail to us at
Personal information might be needed or requested from you
for you to be able to open deposit accounts online or to register for
online banking and other services, or to fill out our forms or
applications for services for special promotions or contests, or to
accomplish transactions you request. This may result in
sharing Personal Information with third parties (such as data
processors or service bureaus) as part of servicing your accounts or
Cookies, Web Beacons and
As mentioned above, we collect information from your online
visits to our website and your use of our online banking services to
help gather statistics about usage and effectiveness, personalize your
experiences and tailor our interactions with you. We do so
web beacons and other use-tracking devices.
- Cookies. A
“cookie” is generally a small piece of data sent from a website and
stored in a user’s web browser while the user is browsing the internet.
A “session cookie” is a cookie that exists in temporary
memory only while the user is reading and navigating a particular
website. A session cookie is typically deleted when the user
closes his or her browser. A “persistent cookie” is a cookie
that generally outlasts the user’s current online session and may be
sent back to the server every time the user visits the same website.
Persistent cookies are commonly referred to as “tracking
cookies” since the user’s activity on a particular website may be
tracked over time.
- Web Beacons.
A “web beacon” is an object that is embedded in a web page or
e-mail and is usually invisible to the user but allows checking that a
user has viewed the page or e-mail. It is basically a
technique to track who is reading a web page or e-mail. A web beacons,
also called “web bugs” are often invisible to the user because they may
be very small (only 1-by-1 pixel) and/or are made to blend in with the
background color of the webpage, document, or e-mail message.
Web bugs are identified with HTML IMG tags in the
Cookies help websites keep track of your preferences and to
recognize you as a return visitor. When you return to a
website you have visited before, your browser gives the information
stored in the cookie back to the website’s server. For example, in
addition to other information, www.comerica.com may use a cookie to
save your zip code location selection so that we can present product
and service information that is available in your area. Additionally,
use our site, or to deliver our products and services to you.
We use this information to improve the content, usability and
functionality of our website. Recording information in a
cookie allows us to simplify and personalize your online experience, as
well as delivering our products and services to you. We
generally use both session and persistent cookies.
You may choose to set your browser to reject cookies.
However, we do not recommend disabling cookies on our website
because you may not be able to log in or use basic features on our
website such as Comerica Web Banking®.
For more information see the "Help" information for the
browser you are using. If you do not wish to have cookies
placed on your computer, you should set your internet browser to refuse
cookies before accessing our site, with the understanding that certain
features of the site may not function properly without the aid of
resulting loss of functionality. Please see the heading “Our
Response to Web Browser Do Not Track and Other Similar Mechanisms”
below for further information.
Use of Web Beacons
With the assistance of a cookie, web bugs may collect the IP
address of your computer, the URL of the page the web bugs comes from
and the time it was viewed, or other personal information. For example,
web bugs may add information to a personal profile of what sites a
person is visiting and to determine what banner ads to display based on
the profile. Another use of web bugs is to provide an
independent accounting of how many people have visited a particular
website and to gather statistics about web browser usage at different
places on the Internet. You may use the "view profiles" of the webpage
you are viewing on our website to see whether the page is using a web
Use of Other Technologies
Comerica may use other use-tracking devices, which may
change from time-to-time as technology changes, to help diagnose
problems and to administer our website. We also may track
browser types to help us understand our visitors' needs related to our
Our website may include advertisements for third parties and
their products, and those third-party advertisements and websites may
include a cookie, web bugs, or other device of the third party.
Comerica does not have control over the cookies, web bugs, or
other devices used by third parties and does not have access to
whatever information they may collect.
If you visit our website or engage in any online service
that we offer, then we may collect and store the categories of Personal
Information. We will not share the Personal Information you
provide us at our website with a third party, except as described below
under the heading “Categories of Third Parties with Whom Comerica May
Our Response to Web Browser Do Not Track and Other Similar
You may set your web browser to disable the ability for one
or more websites to track your usage. For example, as stated
browser to reject cookies. We will respect any disabled
cookies as a do not track mechanism that provides you a choice
regarding the collection of Personal Information when you visit or
conduct online activity on our websites regardless of whether your
visit or online activity is a one-off occurrence or occurs over time.
However, we may not be able to respond or take any action
when it comes to other “do not track” technologies due to technology
and industry standards constantly evolving. Also, we are
unable to respond or take any action when you access third party
websites or online services. Further, please note that if you
set your browser to disable cookies or other tracking mechanisms, then
your experience using our online services may not be the same depending
on the particular service. Specifically, functionality of a
service may be limited, may not function properly, or may not work at
all. These functionalities include, but are not limited to,
settings as to screen size and appearance, logon verification, and
Other Parties May Collect
Other parties that may collect personal information about
you when you use one or more of our websites once or over time are
generally limited to service providers with whom Comerica Bank may
share in order to administer, process or service the product or service
you are using online.
Categories of Third Parties
with Whom Comerica Bank May Share Information
Presently, Comerica Bank discloses Personal Information to
third-party persons about our customers or former customers only as
permitted by law in connection with the administration, processing or
servicing of accounts.
We will not share your personally identifiable information
with third parties and our marketing partners except as permitted by
law to those third party persons or entities that perform services for
us on your behalf. This may also include disclosure to
protect against fraud, or as part of an audit or examination; and
disclosure to protect and defend our rights and property or to act in
an emergency or to protect someone’s safety.
As we develop our business, we may also buy and sell assets,
and your Personal Information may be one of the transferred assets.
In the event that we are acquired by another company, your
personal identifiable information may be part of the assets transferred
to the acquiring party.
Please be aware that other services, provided by other
companies via links to their website from Comerica’s website, are not
subject to these Online Privacy Practices. We encourage you
to review third party service providers’ privacy policies before
sharing your Personal Information.
Process to Request Changes to
We wish to maintain complete and accurate information about
you and your account (including information you have entered through
any Comerica Bank website). We have established procedures to
assist you should you ever believe that our records contain inaccurate
or incomplete information about you. Please contact us to complete or correct your Personal Information.
We will investigate your concerns and properly correct any
We safeguard any information our customers share with us,
according to strict standards of security and confidentiality.
View detailed security information at your convenience (See
Security link below).
Children’s Privacy Online
We do not knowingly solicit, collect, or use personal
information from children under 13. For information concerning the
Children's Online Privacy Protection Act (COPPA), visit the Federal
Trade Commission's website at www.ftc.gov.
Changes to our Online Privacy
We reserve the right to change our Online Privacy
Practices. If we make updates to our Online Privacy
Practices, we will update the Online Privacy Practices and revise the
“Effective Date” at the top of these Online Privacy Practices.
Any updates to our Online Privacy Practices become effective
when we post the updates to our website. Your continued use
of any portion of our website following the posting of the updated
Online Privacy Practices will constitute your acceptance of the changes.
Acceptance of these Online
Your use of one or more of our websites, including dispute
concerning privacy, is subject to these Online Privacy Practices and
the Terms and Conditions of Use (see Terms and Conditions link below).
By using our website, you are accepting the practices set out
in these Online Privacy Practices and our Terms and Conditions of
Comerica's Privacy Notice for
companies choose how they share your personal information. Federal law
gives consumers the right to limit some but not all sharing. Federal
law also requires us to tell you how we collect, share, and protect
your personal information. Please read this notice carefully to
understand what we do.
||The types of
personal information we collect and share depend on the product or
service you have with us.
This information can include:
Security number and employment information
or loss history and credit scores
balances and risk tolerance
companies need to share customers’ personal information to run their
everyday business. In the section below, we list the reasons financial
companies can share their customers’ personal information; the reasons
Comerica chooses to share; and whether you can limit this sharing.
For our everyday business purposes-
such as to process
your transactions, maintain your account(s), respond to court orders
and legal investigations, or report to credit bureaus
For our marketing purposes-
to offer our products
and services to you
|For joint marketing with other
private label credit card companies)
For our affiliates’ everyday
information about your
transactions and experiences
For our affiliates’ everyday
information about your
|For our affiliates to market to
|For nonaffiliates to market to you
||We don't share
limit our sharing
If you are a new customer, we can begin sharing
your information 30 days from the date we sent this notice. When you
are no longer our customer, we continue to share
your information as described in this notice.
However, you can contact us at any time to limit our sharing.
providing this notice?
||Comerica Bank, Comerica Bank
& Trust, National Association, Comerica Securities, Inc.,
Comerica Insurance Services, Inc., Comerica Insurance Services of Texas
Incorporated, Interstate Select Insurance Services, Inc., World Asset
Management, Inc., and Bank of the Hills, a division of Comerica Bank.
does Comerica protect my personal information?
your personal information from unauthorized access and use, we use
security measures that comply with federal law. These measures include
computer safeguards and secured files and buildings.
does Comerica collect my personal information?
your personal information, for example, when you
We also collect your personal information from others, such as credit
bureaus, affiliates, or other companies.
- open an
account or make deposits or withdrawals from your account
- apply for
insurance or apply for a loan
- use your
credit or debit card
can’t I limit all sharing?
gives you the right to limit only
State laws and individual companies may give you additional rights to
limit sharing. (See below for more on your rights under state law.)
for affiliates’ everyday business purposes-information about your
from using your information to market to you
for nonaffiliates to market to you
happens when I limit sharing for an account I hold jointly with someone
not limit sharing by account but rather by individual. Therefore, your
choices will apply to all of your accounts with Comerica. Any joint
account holder may make their own choices, or you can select on their
related by common ownership or control. They can be financial and
financial companies with a Comerica name and other financial companies
such as World Asset Management, Inc.
related by common ownership or control. They can be financial and
not share with nonaffiliates so they can market to you.
agreement between nonaffiliated financial companies that together
market financial products or services to you.
joint marketing partners include merchant payment processors, credit
card, insurance, stored value card and check printing companies.
You may have
other privacy protections under state laws; we will comply with all
applicable state laws with regard to our information sharing practices.
residents only – California law specifies an alternative form for your
privacy choices. You may either opt-out using the separate form titled
“Important Privacy Choices for California Consumers” or the other
options previously described in this notice.
Mexico, North Dakota and Vermont residents only – Per state law, we
have automatically opted you out of the sharing of your information.
a bank regulator
Comerica Bank is
chartered under the laws of the State of Texas and by state law is
subject to regulatory oversight by the Texas Department of Banking. Any
consumer wishing to file a complaint against Comerica Bank should
contact the Texas Department of Banking through one of the means
Person or U.S. Mail:
Texas Department of Banking
2601 North Lamar Boulevard
Austin, TX 78705-4294