RESPECTING YOUR PRIVACY IS IMPORTANT TO US
Periodically we provide you with information about products and services we feel would interest you. However, if you prefer not to receive such information, please let us know by calling 1-800 ROYAL® 1-1 (1-800-769-2511). Please allow approximately three to four weeks for approval and delivery of the new RBC Royal Bank credit card.
COLLECTING YOUR PERSONAL INFORMATION
We collect financial and other information about you from time to time such as:
•information establishing your identity (for example: name, address, phone number, date of birth, etc.) and your personal background;
•information about your transactions or other dealings with and through us;
•information you provide in an application for any of our products and services;
•information about your use of our products and services; and
•information about financial behaviour such as your payment history and credit worthiness.
We collect and confirm this information during the course of our relationship. We obtain this information from a variety of sources, including from you; from your use of our products and services; from service arrangements you make with or through us; from credit reporting agencies, other financial or lending institutions, or insurers; from registries; from fraud detection and prevention agencies, service providers, or regulatory or governmental bodies; from references you provide to us; and from other sources, as is necessary for the provision of our products and services.
You acknowledge receipt of notice that from time to time reports about you may be obtained by us from credit reporting agencies.
USING YOUR PERSONAL INFORMATION
This information may be used from time to time for the following purposes:
•to verify your identity and investigate your personal background;
•to open and operate your account(s) and provide you with products and services you may request;
•to maintain up to date records;
•to manage our risks and operations, and detect and prevent fraud or suppress financial abuse;
•to better understand your financial situation;
•to determine your eligibility for products, services, programs and promotions;
•to manage and administer loyalty programs and promotions;
•to help us better understand the current and future needs of our clients;
•to communicate to you any benefit, feature and other information about products and services you have with us;
•to facilitate the operation of payment networks including to process transactions and resolve disputes;
•to help us better manage our business and your relationship with us;
•to create aggregated and anonymous information, statistics, and reports and to generate data insights, analysis, and predictive models; and
•as required or permitted by law.
We may also use this information as described in “Other Uses and Disclosures of Your Personal Information” below.
DISCLOSING YOUR PERSONAL INFORMATION
We make this information available to our employees, agents and service providers, who require access for the purposes described above. Our employees, agents and service providers are required to maintain the confidentiality of this information.
In the event our service provider is located outside Canada, the service provider is bound by, and this information may be disclosed in accordance with, the laws of the jurisdiction in which the service provider is located.
We may share this information with other organizations (such as other financial or lending institutions, or insurance companies), fraud detection and prevention agencies, service providers, or regulatory or governmental bodies to prevent, detect or suppress financial abuse, fraud or other criminal activity, protect our assets and interests, defend or settle claims, manage risks and resolve disputes.
We share this information with the operators and participants of payment networks to process payments and other transactions, manage risks, detect and prevent fraud, maintain up to date records, resolve disputes and administer loyalty programs, promotional activities or other activities related to your Credit Card or Account.
We share your credit, financial and other related information with credit reporting agencies for the purpose of maintaining the accuracy and integrity of the credit reporting system. Credit reporting agencies may share this information with others.
We share this information with your consent or where required in order to facilitate the provision or administration of a product or service that you have requested.
We collect and share this information with RBC companies (i) to manage our risks and operations and those of RBC companies, (ii) to comply with valid requests for information about you from regulators, government agencies, public bodies or other entities who have a right to issue such requests, and (iii) to let RBC companies know your choices under “Other Uses and Disclosures of Your Personal Information” below for the purpose of knowing and honouring your choices.
We share this information where permitted or required by law, such as to comply with valid requests for information about you from regulators, government agencies, public bodies or other entities who have a right to issue such requests, or to collect a debt owed to us. We may share this information in connection with the sale of all or part of our business or assets.
If we have your social insurance number, we may use it for tax related purposes if you hold a product generating income and share it with the appropriate government agencies, and we may also share it with credit reporting agencies as an aid to identify you.
OTHER USES AND DISCLOSURES OF YOUR PERSONAL INFORMATION
•We may use and disclose this information to promote our products and services, and promote products and services of RBC companies or third parties we select, which may be of interest to you. We may communicate with you through various channels using the contact information you have provided.
•We may also, where not prohibited by law, share this information with RBC companies for the purpose of referring you to them or promoting to you products and services which may be of interest to you. We and RBC companies may communicate with you through various channels using the contact information you have provided. You acknowledge that as a result of such sharing they may advise us of those products or services provided.
•If you also deal with RBC companies, we may, where not prohibited by law, consolidate this information with information they have about you to allow us and any of them to manage your relationship with RBC companies and our business.
You understand that we and RBC companies are separate, affiliated corporations. RBC companies include our affiliates which are engaged in the business of providing any one or more of the following services to the public: deposits, loans and other personal financial services; credit, charge and payment card services; trust and custodial services; securities and brokerage services; and insurance services.
You may choose not to have this information shared or used for these other purposes described above under “Other Uses and Disclosures of Your Personal Information” by contacting us as set out below. In this event: (i) you will not be refused credit or other services just for making this choice; (ii) we will respect your choices; and (iii) we will share your information with RBC companies for the purpose of knowing and honouring your choices.
CO-BRANDED CREDIT CARDS
If you are applying for a co-branded credit card and your application is approved, you acknowledge and consent to the following additional uses and disclosure of information about you. Information you give us in your application will be shared with the co-brand partner for enrolment in that co-brand partner’s rewards/loyalty program and used to open an appropriate rewards/loyalty account with that co-brand partner in your name, if you do not already have one. We may transmit to that co-brand partner any updates we receive of any of that information. From time to time, we and the co-brand partner may also exchange information about you (which may include your name, email address, mailing address, date of birth and credit card account number) in order to provide you with the benefits, services, or partner rewards (such as points, miles or reward dollars) that you earn with your co-branded credit card and to provide you with information about those benefits, services or partner rewards.
YOUR RIGHT TO ACCESS YOUR PERSONAL INFORMATION
You may obtain access to your personal information we hold about you at any time and review its content and accuracy, and have it amended as appropriate; however, access may be restricted as permitted or required by law. To request access to your personal information, to ask questions about our privacy policies, or to request that your personal information not be used for any or all of the purposes outlined in “Other Uses or Disclosures of Your Personal Information”, or to ask that your social insurance number not be shared with a credit reporting agency as an identifier, you may do so now or at any time in the future by:
•contacting your branch; or
•calling us toll-free at 1-800 ROYAL® 1-1 (1-800-769-2511).
OUR PRIVACY POLICIES
You may obtain more information about our privacy policies by asking for a copy of our “Financial fraud prevention and privacy protection” brochure, by calling us at the toll free number shown above or by visiting our website at www.rbc.com/ privacysecurity.