Privacy Statement and Other Important Information
H&R Block Bank ("we") is one of the H&R Block family of companies dedicated to supporting customers and providing simple, affordable bank products to those who need them most. We are providing this statement to inform you about the types of information we may collect from you, and how we may use or disclose that information in connection with your business relationship with the H&R Block Bank. This privacy statement applies to consumers who are our clients or former clients. This privacy statement applies to personal information, which is nonpublic information about our clients that we may obtain while providing a financial product or service.
How we protect your personal information
We restrict access to information about you to those employees who need to know the information to provide products or services to you. We maintain physical, electronic and procedural safeguards to protect your personal information.
We restrict access to information about you to those employees who need to know the information to provide products or services to you. We maintain physical, electronic and procedural safeguards to protect your personal information.
How you can help protect your personal information
You should not share your account information or passwords with others. We encourage you to notify us promptly if you suspect the confidentiality of your personal information has been compromised or if you believe your personal information needs to be corrected or updated.
You should not share your account information or passwords with others. We encourage you to notify us promptly if you suspect the confidentiality of your personal information has been compromised or if you believe your personal information needs to be corrected or updated.
Our Privacy Policy and Practices recognize the trust you have placed in us. We are committed to preserving that trust and we will work hard to safeguard the confidentiality of your personal information. Of course, we reserve the right to modify this policy to reflect any changes or enhancements that we make to those protections. If we do make modifications, we will let you know promptly.
How and why we collect personal information
You provide personal information to us so that we may provide you with various affordable, simple banking products. Such information allows us to process your requests and transactions, keep you apprised of products and services that may be of interest to you and enhance customer service by better understanding your needs.
You provide personal information to us so that we may provide you with various affordable, simple banking products. Such information allows us to process your requests and transactions, keep you apprised of products and services that may be of interest to you and enhance customer service by better understanding your needs.
Information We Collect
We may collect information about you from the following categories and sources:
As required by the USA PATRIOT Act, we also collect information and take actions necessary to verify your identification.
We may collect information about you from the following categories and sources:
- Information you provide to us on applications or other forms (examples include name, address, social security number, assets and income).
- Information about your transactions with us, our affiliates or others (examples include your account balances, payment history, debit card usage).
- Information collected from your browser when you visit our websites and your browser interacts with them.
- Information we receive from consumer reporting agencies (examples include your Credit worthiness and credit history).
As required by the USA PATRIOT Act, we also collect information and take actions necessary to verify your identification.
Children under Age 13
Because of the financial nature of the services we provide, we do not market our Website to children under the age of 13.
Because of the financial nature of the services we provide, we do not market our Website to children under the age of 13.
Sharing information within the H&R Block family of companies
In an effort to better serve your financial needs and to inform you about the products and services H&R Block offers, we may share personal information, such as the information described above, within our family of affiliated companies. (Our affiliates are companies that are controlled or owned by us or companies controlling or under common control with our parent company). For example, HRB Tax Group, Inc. offers a complete menu of tax products and services. You have the option to limit our sharing of certain information with our affiliates and our affiliates' right to market to you based on certain information we share with them. H&R Block Bank, a Federal Savings Bank, Member FDIC.
Revised 081009
In an effort to better serve your financial needs and to inform you about the products and services H&R Block offers, we may share personal information, such as the information described above, within our family of affiliated companies. (Our affiliates are companies that are controlled or owned by us or companies controlling or under common control with our parent company). For example, HRB Tax Group, Inc. offers a complete menu of tax products and services. You have the option to limit our sharing of certain information with our affiliates and our affiliates' right to market to you based on certain information we share with them. H&R Block Bank, a Federal Savings Bank, Member FDIC.
Revised 081009
Affiliate Sharing Opt-Out: The Fair Credit Reporting Act allows you the opportunity to limit the sharing of "nonexperience" information within the H&R Block family. Such information includes information that is used, expected to be used or collected for the purpose of establishing your eligibility for consumer credit, insurance and related products and services, and is not related solely to your transactions or other communications with us. If you would prefer that we not share nonexperience information within the H&R Block family of companies, you may direct us not to share this information by calling us toll-free at 1-800-472-5625 or write us at H&R Block Bank, Attn: Privacy Officer, P.O. Box 10364, Kansas City, Missouri 64171-0364.
If you opt out of our sharing of "nonexperience" information within the H&R Block family, we may still share information relating solely to your transactions or other communications with us with our affiliates.
Affiliate Marketing Opt-Out: Federal law gives you the right to limit some but not all marketing from our affiliates. You may limit our affiliates in the H&R Block family of companies, such as our tax preparation affiliates, from marketing their products and services to you based on certain information that we collect and share with them. This includes both "experience" and "nonexperience" information that we have, including your income or financial status, your account history with us and your credit history. If you do not want our affiliates to market to you based on this information you may opt-out of this affiliate marketing at any time by calling us toll-free at 1-800-472-5625 or write us at H&R Block Bank, Attn: Privacy Officer, P.O. Box 10364, Kansas City, Missouri 64171-0364. Your choice to limit marketing offers from our affiliates will apply indefinitely unless you notify us otherwise.
Regardless of these opt out elections; we may still share information in other ways that are permitted by law, for example, as needed to service your relationship with us.
Sharing information outside the H&R Block family of companies
Your nonpublic personal information is not shared with or sold to companies outside of the H&R Block family for marketing purposes. However, even if you have opted out, we are allowed to share your personal information as described above with certain nonaffiliated third parties such as:
Your nonpublic personal information is not shared with or sold to companies outside of the H&R Block family for marketing purposes. However, even if you have opted out, we are allowed to share your personal information as described above with certain nonaffiliated third parties such as:
- Third party service providers that have been retained by us to perform certain functions on our behalf,
- Third parties with whom we have entered into joint marketing arrangements,
- Credit bureaus or similar reporting agencies,
- Governmental agencies and courts as required by subpoena, court order or law,
- Others to the extent permitted or required by law.
To the extent that we share your personal information as described above with service providers or joint marketers, such disclosures will be subject to an appropriate, contractual confidentiality pledge, and solely for the purpose and only to the extent necessary to carry out the contractual purposes, or as otherwise permitted or required by law.
Furnishing Negative Information
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
Additional Rights Under State Privacy Laws
If applicable, you may have other privacy rights under various state laws including Vermont, California and Nevada. H&R Block Bank will comply with these state laws when we share information about you, to the extent that these laws apply. Existing H&R Block Bank customers may be contacted by telephone to receive offers for additional financial products that we believe may be of interest to you. As described above, you have the right to opt-out of this contact by adding your name to our do-not-call/contact list. All customers have the right to opt-out of such calls by calling or writing to H&R Block Bank. Per Nevada law however, residents of Nevada may also contact the Nevada Attorney General for more information about opt-out rights. Nevada residents may call 775.684.1100; send an email to bcpinfo@ag.state.nv.us; or write to: Office of the Attorney General, Nevada Department of Justice, Bureau of Consumer Protection, 100 North Carson Street, Carson City, NV, 89701. H&R Block Bank, a Federal Savings Bank, Member FDIC.
If applicable, you may have other privacy rights under various state laws including Vermont, California and Nevada. H&R Block Bank will comply with these state laws when we share information about you, to the extent that these laws apply. Existing H&R Block Bank customers may be contacted by telephone to receive offers for additional financial products that we believe may be of interest to you. As described above, you have the right to opt-out of this contact by adding your name to our do-not-call/contact list. All customers have the right to opt-out of such calls by calling or writing to H&R Block Bank. Per Nevada law however, residents of Nevada may also contact the Nevada Attorney General for more information about opt-out rights. Nevada residents may call 775.684.1100; send an email to bcpinfo@ag.state.nv.us; or write to: Office of the Attorney General, Nevada Department of Justice, Bureau of Consumer Protection, 100 North Carson Street, Carson City, NV, 89701. H&R Block Bank, a Federal Savings Bank, Member FDIC.
Changes to Our Privacy Commitment
This Privacy Commitment and our practices are subject to change. If we make a material change to this Privacy Commitment, including a material change in the way we use your personal information, we will notify you by using one of the following methods at least thirty (30) days prior to the effective date of such change: (1) we will post a notice on our Web site describing the change; or (2) we will hand deliver or send you regular or electronic mail notifying you of the change. As required by law, H&R Block Bank will provide notice of our Privacy Commitment annually, as long as you maintain an ongoing relationship with us. To receive the most up to date Privacy Commitment, you may visit our Web site at www.hrblockbank.com or call us toll-free at 1-888-OURHRBB.
This Privacy Commitment and our practices are subject to change. If we make a material change to this Privacy Commitment, including a material change in the way we use your personal information, we will notify you by using one of the following methods at least thirty (30) days prior to the effective date of such change: (1) we will post a notice on our Web site describing the change; or (2) we will hand deliver or send you regular or electronic mail notifying you of the change. As required by law, H&R Block Bank will provide notice of our Privacy Commitment annually, as long as you maintain an ongoing relationship with us. To receive the most up to date Privacy Commitment, you may visit our Web site at www.hrblockbank.com or call us toll-free at 1-888-OURHRBB.