We at Fifth Third ( “we,” “our,” or “us”) recognize the importance of protecting the privacy of personally identifiable information (“Personal Information” or “PII”) collected about you and other visitors (collectively, “Users”) to our website located at https://youngbankersclub.tovuti.io/ and participants in the Young Bankers Club program broadly (the “Service”). We are committed to ensuring that User privacy is protected. To that end, this Privacy Policy (“Policy”) discloses our practices regarding the collection, use, and disclosure of the PII we receive through Users’ use of the Service. By using the Service, you accept the terms of this Policy.
| Category | Type of Information |
| Contact Information and Identifiers | First Name, Last Name, Email, Phone Number |
| Application Statistics and Goals | In-app performance data, habits and goal tracking |
Children’s Information: Other than the online contact information required to obtain parental consent, we do not collect any Personal Information from Users under the age of 13 unless the User’s parent or legal guardian has first provided us with consent for that User to use the Services and disclose Personal Information to us. If you are a User under the age of 13, please do not send any Personal Information to us if we have not obtained prior consent from your parent or guardian. If we learn we have collected Personal Information from a User under the age of 13 without parental consent, or if we learn a User under the age of 13 has provided us Personal Information beyond what we request from him or her, we will delete that information as quickly as possible.
The information we collect depends on what Users do when they visit or utilize the Service. We collect PII and Deidentified Information in various ways, including:
Directly from You: We collect PII when you voluntarily submit PII to us while completing forms through the Service and in connection with other activities, services, features, or resources we make available through the Service. The PII we collect depends on what you do when you visit or utilize the Service or how you choose to communicate with us. Please note that we do not collect PII about you unless you voluntary provide such PII by completing forms available through the Service and/or contacting us regarding the Service or our other products and services.
Through Your Use of the Service: We may collect PII and Deidentified Information that your browser transmits when you visit our app or use the Service. We may also collect Deidentified Information about how you access and interact with the Service through the use of automated tracking technologies, such as session cookies, persistent cookies, and web beacons.
A cookie is a small data file that is transferred to an internet browser, which enables the Service to remember and customize your subsequent visits. We may use session cookies to make it easier for you to navigate the Service. In particular, we may use session cookies to record session information, such as which web pages you visited and to track your activity on the Service. Session cookies expire when you close your browser. We may also use persistent cookies to track and target your interests to enhance your experience in connection with the Service. Persistent cookies remain on your device for an extended period of time.
Most internet browsers automatically accept cookies. However, you can instruct your internet browser to block cookies or to provide you with a warning prompt before you accept cookies from the Service. Please refer to your internet browser’s instructions to learn more about these functions. If you reject cookies, the functionality of the Service may be limited and you may not be able to participate in several of the Service’s features.
Additionally, we may use web beacons, which are single-pixel, electronic images embedded in the Service that allow us to gather information about your browsing activities through the Service.
From Teachers and Educational Institutions: As part of the Young Bankers Club program, teachers and schools register through the Service to gain access to the curriculum. As part of the registration process, teachers and schools will provide us with school and student data such as classroom information, and student roster information. We understand that educators have obligations with respect to education records and the Family Educational Rights and Privacy Act (FERPA). We are committed to helping our educators comply with FERPA and protect student privacy as set forth herein.
From Third Party Services: We may collect PII about you from third parties whose privacy practices may differ from the practices described in this Policy. We do not make any representations or warranties concerning, and will not in any way be liable for, any informational content, products, services, software, or other materials available through third parties. Your use of third parties’ services and/or third party websites is governed by and subject to the terms and conditions of those third parties and/or third party websites. We encourage you to carefully review the privacy policies and statements of such third parties and/or third party websites.
We may use Users’ PII for various general, lawful purposes to help enhance their experience. These purposes include:
User Communications: We may use your PII to help us respond to your inquiries, questions, requests, and support needs more efficiently.
User Experience Personalization: We may use Users’ PII and/or Deidentified Information in the aggregate to analyze Users’ browsing and usage activities and patterns in order to understand Users’ interests and preferences with respect to our app and our Service. This will help us optimize your experience through the Service.
Business Optimization: We may use your PII and/or Deidentified Information to improve the content on our web pages, to customize the content and layout of our web pages, and in managing our everyday business needs. We may also use your feedback to improve the Service. All of this is done with the intention of making the Service more useful for you.
We will not collect additional categories of PII or use PII we collected for materially different, unrelated, or incompatible purposes without providing you notice. We will limit the collection and use of education records PII to what is needed to facilitate the Young Bankers Club program and to further student education.
We may disclose Users’ PII to third parties for a business purpose as described below. Otherwise, we do not sell PII and will not disclose Users’ PII to third parties without your permission.
To Teachers and educators: The Young Bankers Club program tracks students’ performance and progress in the program to support the learning experience.
To Service Providers: We may disclose your PII to third party service providers that assist us in providing user support, communicating with Users, and promoting our services, as well as third party service providers that provide other services to us relating to our apps and/or the Services.
Law Enforcement, Safety, and Legal Processes: We may disclose your PII to law enforcement or other government officials if it relates to a criminal investigation or alleged criminal activity. We may also disclose your PII: (i) if required or permitted to do so by law; (ii) for fraud protection and credit risk reduction purposes; (iii) in the good-faith belief that such action is necessary to protect our rights, interests, or property; (iv) in the good-faith belief that such action is necessary to protect your safety or the safety of others; or (v) to comply with a judicial proceeding, court order, subpoena, or other similar legal or administrative process.
Sale or Acquisition of Assets: If we become involved in a transaction involving the sale of our assets, such as a merger or acquisition, or if we are transferred to another company, we may disclose and/or transfer your PII as part of the transaction. If the surviving entity in that transaction is not us, the surviving company may use your PII pursuant to its own privacy policies, and those policies may be different from this Policy.
The security and confidentiality of your PII is very important to us. We use commercially reasonable security measures to protect your PII on the Service. However, no data transmitted over or accessible through the internet can be guaranteed to be 100% secure. As a result, while we attempt to protect your PII, we cannot guarantee or warrant that your PII will be completely secure (i) from misappropriation by hackers or from other nefarious or criminal activities, or (ii) in the event of a failure of computer hardware, software, or a telecommunications networks.
California’s “Shine the Light” law permits Users of the Service that are California residents to request certain information regarding our disclosure of PII to third parties for their direct marketing purposes. To make such a request, please contact us at the Contact Information provided below.
Some internet browsers may transmit “do-not-track” signals to websites with which the browser communicates. The Service and our websites do not currently respond to these “do-not-track” signals.
We do not participate in bulk email solicitations that you have not consented to receiving (i.e., “Spam”). We do not sell or disclose user lists or email address lists to unrelated third parties. We also do not share PII for the Service with any third party advertisers.
The Service may contain links to other websites or applications (“Linked Sites”) that we do not own. We do not control the collection or use of any information, including PII, which occurs while you visit Linked Sites. Therefore, we make no representations or warranties for—and will not in any way be liable for— any content, products, services, software, or other materials available on Linked Sites, even if one or more pages of the Linked Sites are framed within a page of the Service.
Furthermore, we make no representations or warranties about the privacy policies or practices of the Linked Sites, and we are not responsible for the privacy practices of those Linked Sites. We encourage you to be aware of when you leave the Service and read the privacy policies of Linked Sites.
We reserve the right to update this Policy from time-to-time in our sole discretion. If our privacy practices change materially in the future, we will post an updated version of the privacy policy to the Service. We will not lessen your rights under this Policy without allowing you time to opt out or without providing advance notice to, and consent from, the relevant teacher, school, or district (as applicable). If you do not agree with the changes made, we will honor any opt-out requests made after the Effective Date of a new privacy policy.
If you ever wish to access, update, change, or delete your PII, or cancel your user account (if applicable), you may do so by making such changes through your user account, contacting the relevant teacher, school, or district (as applicable) or by contacting us at the Contact Information provided below. To help process your request, please provide sufficient information to allow us to identify you in our records. We reserve the right to ask for additional information verifying your identity prior to disclosing any PII to you. Should we ask for verification, the information you provide will be used only for verification purposes, and all copies of the information will be destroyed when the process is complete. We will work with the appropriate educational institution to process your request according to FERPA.
If you do not wish to receive update messages and/or direct marketing communications from us, you may opt-out by following any instructions included in the communication or by contacting us at the Contact Information provided below or by making such changes through your user account. To help us process your request, please include sufficient information for us to identify you in our records. Please be aware that although you may opt-out of update messages and some communications, we reserve the right to email you administrative notices regarding the Service, as permitted under the CAN-SPAM Act.
We will make commercially reasonable efforts to respond to opt-out requests, account cancellation requests (if applicable), and handle requests to access, update, change, or delete PII as quickly as possible.
If you have questions about this Policy or wish to contact us with questions or comments, please contact us at:
Attn:
Fifth Third Bank
Young Bankers Club
38 Fountain Square Plaza, Cincinnati, OH 45202
1-866-671-5353
YoungBankersClub@53.com
This Policy was last modified as of the effective date printed above. This version of the privacy policy replaces and supersedes any prior privacy policies applicable to the Service
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