Privacy Notice for United States Residents

We collect the categories of personal information listed above from the following categories of sources:

• You or those acting on your behalf, for example, from forms you complete online or at events, surveys in which you participate, newsletters and subscriptions to which you subscribe when you call us to request information about or obtain our products and services or communicate with us through our online chat functionality.
• Automatically collected from Internet or other network activity regarding your interaction with our websites, applications, and advertisements (see "How we use Cookies and Other Tracking Technologies" below).
• Your employer or plan sponsor if we provide them with recordkeeping and/or workplace services.
• Government entities from which public records are maintained and other publicly available sources.
• Our affiliated entities and unaffiliated service providers, such as those that provide personal information to support our business, products, services and operations, information security and fraud prevention, marketing including data resellers and advertising networks, and consumer reporting agencies.
• Third parties to whom you direct or authorize us to collect your personal information, independent of or in connection with your relationship with Schwab.

We have used or disclosed personal information, including where applicable, sensitive personal information, collected for one or more of the following business purposes within the last 12 months (excluding uses or disclosures we may be prohibited from reporting under applicable law):

• To conduct our business and provide our products and services, including developing, supporting, managing, and improving our products and services, and, where necessary, to assess your creditworthiness and to verify your identity.
• To support our operations, including communicating with you, fulfilling your requests, addressing your inquiries and concerns, monitoring and improving our responses, and carrying out the purposes for which you provide your personal information.
• To meet our legal and compliance obligations, including monitoring and reporting, supporting our information security and fraud prevention programs, performing due diligence, supporting audit, investigations, and legal requests, and complying with our internal policies, procedures, and contractual obligations.
• For our marketing and promotional event services, including market data and research.
• To personalize your experience with our business and to deliver content, products, and service offerings relevant to your interests, including targeted offers and ads through our websites and mobile applications, third-party sites, and via email or text message (with your consent, where required by law).
• To help maintain the safety, security, and integrity of our business, including our products and services, and to respond, where necessary, to requests from regulatory or law enforcement authorities or as otherwise required by applicable law, regulation, court order, or similar demand.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Schwab's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Schwab is among the assets or business operations transferred.

We have disclosed the categories of personal information listed above for business purposes to the following categories of parties within the last 12 months (excluding disclosures we may be prohibited from reporting under applicable law):

• Our affiliated entities and unaffiliated service providers to help conduct our business, such as by providing our products and services and supporting our everyday operations, including marketing, business development, and management.
• Government agencies to support legal and regulatory requirements.
• Third parties to whom you direct or authorize us to disclose your personal information, independent of or in connection with your relationship with Schwab.
• Third parties for fraud protection and credit risk reduction, and to protect the rights, property, or safety of our firm, our clients, or others.
• Your employer or plan sponsor, or third parties directed and authorized by your employer or plan sponsor, in connection with any recordkeeping and/or workplace services we may provide.
• Third-party network advertising partners.
• Our lawyers, auditors, consultants, and other third-party personnel. 

Schwab does not give your information to third parties in exchange for money. We may disclose limited personal information about you with certain providers as described below for our marketing purposes, including to influence the kinds of Schwab advertisements you may see on other websites.

We use cookies to capture information about your device or browser to better understand our users and their interactions with our websites as outlined in the "How We Use Cookies and Other Tracking Technologies" section above. Such sharing may be considered a "sale" or "share" under U.S. state privacy laws.

To opt out of the sale or share of your personal information, click on "Your Privacy Choices" in the footer of our website and follow the prompts. Please note that by opting out, you may see more Schwab ads, including ads for Schwab products and services already provided to you. If your browser communicates an opt-out preference signal when you navigate to our site, we will honor that signal as a valid request to opt out of the sale or share of your personal information, unless you specifically opt in to the sale or share by updating your privacy choices.

Please note that our website is not intended for children under 13 years of age. If you are under the age of 13, we ask that you not provide personal information through our websites. Schwab does permit individuals between 13 and 16 years of age who are active owners of a Schwab Teen Investor™ account to log into and access our websites. If you are between 13 and 16 years of age, Schwab does not sell or share your personal information. If you do not have an account with Schwab or do not log into a Schwab account, however, we are unable to determine your age. Regardless, you will be provided the ability to opt out of the sale or share of your personal information, and your opt-out request will be linked to your browser identifier and not to any other personal or account information.

We have established retention periods and requirements to retain the categories of personal information described above for as long as necessary to meet our legal and regulatory compliance obligations, such as books and records requirements and legal holds, and for our business and operational purposes such as audits and reporting.

If you are a resident of the United States, you have a right to know: 

1. The specific pieces of personal information we have collected about you.
2. The categories of personal information we have collected about you.
3. The categories of sources from which your personal information is collected.
4. The categories of personal information that we have disclosed for a business purpose about you.
5. The categories of third parties to whom personal information was disclosed for a business purpose.
6. The business or commercial purpose for collecting, selling, or sharing personal information.

You also have the right to:

7. Request that we correct inaccurate personal information that we maintain about you.
8. Request that we delete personal information that we have collected from you (unless an exception applies, or deletion is otherwise restricted or prohibited by law, rule, or regulation).
9. Appeal a response received to any data rights requests previously submitted.

Refer to the "Personal Information Sold or Shared with Third Parties" section above for information that we may share and how you can limit that sharing.

You may exercise any of the above data rights (subject to certain exceptions and limitations) by following the instructions below that apply to your relationship with Schwab.

Schwab reserves all rights and remedies available to it and any of its affiliated entities under applicable privacy laws, including the right to deny or satisfy any request in whole or part.

Current, Former or Non-Schwab Clients

You may submit a verifiable request to us through one of the two methods below. 

ONLINE SUBMISSIONS
Submit your data rights request through our Data Rights Request Web Form www.schwab.com/legal/dsar.

TOLL-FREE NUMBER
Call us at 888-761-0354 to submit your requests.

What to expect once you submit a request. We will work to confirm receipt of your request within 10 business days (and provide you with information on how we will process your request, including our verification process) and to respond to your request within 45 calendar days from the date of our receipt of your request (unless additional time is necessary, and, in such cases, we will explain to you the reason it may take more than 45 calendar days to respond).

We may ask you to provide additional information to verify your identity. We will only use that information to verify your identity and for security or fraud-prevention purposes. In cases where additional information is required and we are unable to contact you with the contact information you have provided or are otherwise unable to sufficiently verify your identity, we may be unable to respond to your request.

If your request covers the personal information of other individuals, including individuals with a shared address and device or service, we may be obligated to take additional steps to verify the request, including obtaining the consent of the other individuals whose personal information is covered by the request.

If you are exercising your right to appeal our response to a previous request you have submitted, we will need to verify the specific decision or response you are appealing. We may ask you for additional information to verify your initial request and outcome. A response will be sent within 45 calendar days from the date of our receipt of your request.

You can designate an authorized agent to make a data rights request on your behalf.

• Who is an "authorized agent"? An authorized agent is a person or a business entity that you have authorized to act on your behalf. If you are an authorized agent and submit a data rights request on behalf of a Consumer, we may require that the Consumer provide you with written authorization to make the request on their behalf and verify their own identity directly with us.
• Authorized agents can submit data rights requests on behalf of a Consumer using the toll-free method described above. 

Former Employees

If you are a former Schwab employee, you may submit a verifiable request to us by contacting our Human Resources Help Desk by telephone at 800-725-3535 or by email, MyHR@Schwab.com.

You have the right not to receive discriminatory treatment for exercising any of these data rights. Schwab does not discriminate or retaliate against any Consumer for exercising their rights.

If you have questions or comments about this Notice or any of Schwab's other privacy policies and practices, please call 888-761-0354 or go to www.schwab.com/privacy. A copy of our Corporate Privacy Notice can be found here.

Information security and privacy are a partnership and key aspects of our business. You can read about how we protect client accounts and information by visiting SchwabSafe.

We recognize data privacy is an ongoing responsibility. We reserve the right to update or amend this Notice from time to time, and any such updates or amendments will be reflected in the Notice available on our website.

Charles Schwab Bank, SSB, and Charles Schwab Premier Bank, SSB, are chartered under the laws of the State of Texas and by state law are subject to regulatory oversight by the Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint against Charles Schwab Bank, SSB, or Charles Schwab Premier Bank, SSB, should contact the Department of Savings and Mortgage Lending through one of the means indicated below:

In Person or by Mail: 2601 North Lamar Boulevard, Suite 201, Austin, Texas 78705-4294; Phone: 877-276-5550; Fax: 512-936-2003; or through the Department's website at www.sml.texas.gov.