This policy covers First BanCorp.’s online services, including, but not limited to: websites, mobile applications, and First BanCorp.’s branded social media sites, as well as any interaction a person may have while viewing the content provided through one of First BanCorp.’s digital efforts.
In addition, keep in mind that we may use third-party platforms (Mailchimp, social media platforms, etc.) as part of our online services or communications and these may have additional terms and conditions and privacy policies that could apply. We encourage you to review them before engaging with us through one of these platforms so you understand how your online information may be collected, used or shared.
COPPA imposes certain requirements on operators of websites or online services directed to children under 13 years of age, and on operators of other websites or online services that have actual knowledge that they are collecting personal information online from a child under 13 years of age. First BanCorp.’s digital efforts are not intended for children under 13 years old and we do not knowingly collect personal information from them without parental consent.
Whenever you interact with us through a digital media channel, you must keep in mind that we may collect personal information about you. The information you provide will be used in accordance with the terms and conditions of the agreements which you have entered with us and in accordance with pertinent regulations and legislation in the United States of America, the Commonwealth of Puerto Rico, and the Organized Territory of the United States Virgin Islands or the United Kingdom, as applicable.
This information could be, but is not limited to:
Name, social security number, driver’s license number, email address, mailing address, telephone number(s), limited location information (For example, access to your mobile phone GPS or zip code to locate nearest ATM), date of birth, household income
Account numbers, payment card information, username and password
Information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, IP address of the device you use, which pages of our website you visit, interest and affinities based on your browsing behavior, websites visited before and after visiting First BanCorp.’s websites, information collected through cookies, pixel tags and other technologies, demographic information, other information provided by you such as your date of birth or household income, and aggregated and de-identified data.
Unique device identifiers for your mobile device, screen resolution and other device settings, location, and analytical information about how you use your mobile device.
Because we are constantly optimizing and improving our digital media efforts, we may use multiple tools to capture a snapshot of the user visiting or interacting with our online platforms. Some of these tools, include:
We may use your information for various purposes. Because of this, we may need to share your information with our affiliates and other third parties. However, Federal law gives you the right to limit some but not all sharing of your information. Federal law also requires us to tell you how we collect, share, and protect your personal information. For example, we may disclose your nonpublic personal information:
* Note: First BanCorp. does not share non-public personal information with non-affiliated third parties for marketing purposes, except as accepted by Federal regulation. Please see our First BanCorp.’s Privacy Notice at 1firstbank.com for more information on what Personal Information may be shared and how you may limit certain types of sharing of your information
Federal regulation states that we may use or disclose your information for marketing purposes if it has been previously disclosed in writing, in a clear and conspicuous manner, and you have not “opted out” or have prohibited us from using your information for marketing purposes after we’ve provided a reasonable opportunity and a reasonable method to “opt out”. For more information on how you can “opt-out” from information sharing for marketing purposes, please refer to First BanCorp.’s Privacy Notice.
Consequently, in our efforts to make our digital media channels more efficient, accessible and maintain them updated to current trends, we may use your information for, but not limited to:
We use diverse offline (e.g. banking centers, call centers, and direct marketing) and online media (e.g., pages within our Sites and mobile apps, social media, and on other sites and mobile apps not affiliated with First BanCorp.) to advertise our products and services. With the information collected from our digital media channels, we will target our advertisements depending on who do we want to reach. The type of 4 advertisement each user receives or sees could vary and will be influenced by the data collected and available for each user.
As mentioned, we, or our service providers, and other companies may deploy and use tracking technologies (cookies, web beacons, local shared objects and other) for diverse objectives to help us optimize and enhance our offerings. Some of these tracking tools or technologies may have the ability to capture certain information about the device used to access our digital media channels and how they were used. Below you’ll find a description of some of the tracking tools and technologies we use to collect your information:
*Note: Users can refuse to accept these cookies and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products and services.
In most cases, these are transparent graphic images (1 pixel by 1 pixel) that are placed on a website, email or other advertising piece. These technologies or similar tools may be used for marketing efforts. These could be found in our advertisements with the purpose of tracking the user’s behavior while and after interacting with our message. They are also used to capture information about traffic patterns, measure website or campaign engagement.
Relationship based advertising – In order to help make our advertising informative and useful, we may use information about your relationship with us (such as types of accounts, transactional information or the state in which you bank) to help determine which advertisements or offers we may present to you.
Online Behavioral Advertising (OBA) – Online behavioral advertising (also known as “OBA” or “interestbased advertising”) refers to the practice of collecting information from a computer or device regarding a visitor’s web-browsing activities across non-affiliated websites over time in order to deliver advertisements that may be of interest to that visitor based on their browsing history. We or our advertising service providers may use certain information about your activities on our Sites, such as pages visited and search key words entered to help determine which of our advertisements or offers may be of interest to you. We limit access and collection of information for specific purposes by advertising service providers. We may use this online information for online and offline advertising. You may determine if your information is available to use for these purposes. If you do not want to share your information for OBA purposes, you may opt out by following the instructions in the next section.
Certain First BanCorp. ads on third-party websites feature an Advertising Options Icon, that when clicked, describes the collection and uses of data gathered at the relevant third-party website and provides a way for you to opt out of data collection and use by the third parties listed for the purposes of OBA. If you choose to opt out, our service provider will communicate your opt out election to the relevant third-party advertising partners and a cookie will be placed on your browser indicating your decision to opt out. Remember that you will have to do this with each browser you use to navigate on all the devices used.
*Note: Even if you opt out of OBA, you may still receive advertisements from us; they just won’t be customized based on your web-browsing activities on third-party websites.
In order to comply with the CAN SPAM Act, all of First BanCorp.’s emails sent with/for a marketing purpose feature an “unsubscribe” alternative for the customer. By doing so, you agree to not receive any of our email marketing efforts, regardless of the product or message sent. If you wish to do so, the button is located at the lower right part of each communication. When clicked, the link will take you to our third party email platform, where it will ask you to confirm your un-subscription. Once you do so, you will stop receiving further marketing emails from our end.
At First BanCorp., we are always working to maintain your information secure. This will include the use of physical and electronic safeguards that are in compliance with federal standards. If you wish to learn more about our security standards, please visit our Security section in our Help Center. Remember that there are various ways in which you can send or share information with us through digital media channels and not all of these ways may be secure. Be aware of the channels used to share your information and always use secured channels to share personal or sensitive information.
It is important that you maintain your information updated. To do so, you may use our Online Banking platform (if the user is registered in this service) or use the “Contact Us” feature through our FirstService Line. You can also call our First Line Solutions Center at (787) 725-2511 or toll free at 1-866-695-2511