Privacy Notice
Online Practices

This notice applies to individuals who have established a consumer account relationship with Comerica for personal, family and/or household purposes, and is provided to you by the Comerica entity (or entities) with which you do business.

This document includes information about:

Your relationship is very important to us, and we will take great care to honor these commitments to you. Thank you for choosing Comerica.

Comerica’s commitment to you

We value the trust of our customers and will continue to recognize the importance of holding your nonpublic personal information as confidential.

• We will not sell or share customer information to third party marketers who will offer you their products or services except under a joint marketing agreement.
• We will not disclose medical information, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by law.
• We will honor customer requests to opt-out of information sharing and marketing.
• We will hold our employees to strict standards of conduct to ensure the confidentiality of customer information.
• We will maintain physical, electronic and procedural safeguards to protect your information.
• We will use information responsibly.
• We will maintain accurate customer information and respond promptly to customer requests to correct information.
• We will require companies with which we do business to agree to protect the confidentiality of customer information.
• We will continue to adhere to the practices disclosed in this notice for former customers.

The information Comerica collects

• Information that we receive from you on applications, forms, correspondence or online. Examples include your name, address, phone number, e-mail address, assets and income.
• Information about your transactions with us. Examples include account balance(s), location of transactions, parties to transactions, and payment history.
• Information that we receive from others, such as credit reports, or information that you have authorized us to obtain.
• Information provided by your browser when you visit our website and your browser interacts with us. For more information, see Online Practices.
• Information to verify your identity. Examples include social security number, date of birth, and driver’s license number.

In addition, we may collect information about you in compliance with certain laws and regulations.

Using personal information to serve you better

We use and share information to provide quality service and to offer financial services that may be of value or interest to you. For example, your information enables us to:

• Process your transaction requests.
• Serve and administer your accounts with efficiency and accuracy.
• Provide you with comprehensive, high-quality services to meet your needs now and in the future.
• Extend special offers and discounts to you based on our knowledge of your total relationship with us.
• Introduce you to companies within the Comerica family that offer specialized products or services which may be of benefit to you.
• Improve your online experience.
• Protect your accounts against fraud or identity theft.

Limiting information sharing

The information previously described regarding the information that Comerica collects may be shared within the Comerica family and with selected parties outside the Comerica family. This sharing is carefully limited as described in this section.

We may disclose information about you to the following:

• Members of the Comerica family of companies. You may limit our sharing within the Comerica family of companies as described in the next section.
• Financial service providers, such as mortgage bankers, securities broker-dealers, and insurance companies.
• Operational service providers, such as check printers, plan administrators, programmers, and data processors.
• Financial Joint Marketing Partners, when we have a joint marketing agreement with a financial institution to offer and provide you a particular benefit or service.
• Others, such as co-applicants and those with whom you have consented to our sharing your information, or when permitted, or required, by law.

We may disclose all the information we collect, as described above, to companies that perform marketing services on our behalf. Information shared with service providers or joint marketing partners is subject to contractual and regulatory protections; the service providers and partners are required to use the information only for the purpose it is provided, and to maintain the information securely.

The choices retail customers and consumers have:

If you have already opted out of information sharing you do not need to re-submit your request. Your choice to limit information sharing and marketing offers will apply until you tell us to change your choices. Each joint account owner may opt-out of information sharing separately. If you wish to limit or opt-out of information sharing, you have the following options:

• Call us toll free at 866-517-1800 . Your social security number is required to take advantage of the automated system (United States calls only).
• Complete the secure response form online at comerica.com/privacyresponse (see Related Information). Your social security number is required to process your online request.

State specific laws

You may have other privacy protections under state laws; we will comply with all applicable state laws with regard to our information sharing practices.

California residents only

California law specifies an alternate form for your privacy choices. You may either opt-out using the separate form titled “Important Privacy Choices for California Consumers”, the secure response form online at: comerica.com/privacyresponse (see Related Information), or call our toll-free line at 866-517-1800.

New Mexico, North Dakota & Vermont residents only

You do not need to opt-out of information sharing. Per state law, we have automatically opted you out of the sharing of your information with both third parties and members of the Comerica family of companies except as permitted by law.

Protecting yourself from identity theft
Comerica is committed to educating our customers about ways to safeguard their personal information. For more information about reducing the risk of identity theft, visit our Consumer Protection Center (see Related Information) or stop by your local banking center for a copy of our brochure entitled Protecting Yourself from Identity Theft. If you suspect you are a victim of identity theft (i.e. you notice unauthorized transactions on your credit card or bank statements), contact Comerica at 877-881-8955, Monday - Friday, 8 a.m. to 8 p.m. ET.

Credit report disputes
Comerica may report information regarding your credit accounts with us to consumer reporting agencies. Comerica makes every effort to provide accurate information. However, if you ever need to dispute the accuracy of the information we have reported to a consumer reporting agency, please send your request to the following address:

Comerica Bank
Attn: Credit Report Disputes Area
P.O. Box 75000
Detroit, MI 48275-7240

Contacting a bank regulator
Comerica Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Comerica Bank should contact the Texas Department of Banking through one of the means indicated below:

In Person or U.S. Mail:
Texas Department of Banking
2601 North Lamar Boulevard
Suite 300
Austin, TX 78705-4294

Telephone Number:  877-276-5554 (toll free)

Fax Number:  512-475-1313

E-mail Address:  consumer.complaints@banking.state.tx.us

Website Address:  banking.state.tx.us

Reducing direct marketing from other companies
To remove your name from mailing lists:
Mail Preference Service
Direct Marketing Association
Online: dmachoice.org

To remove your name from telephone solicitation lists:
The Federal Government
National Do Not Call Registry
Telephone: 888-382-1222
Online: donotcall.gov

To opt-out of pre-approved offers and marketing lists:
Call: 888-567-8688

The Comerica family includes:

• Comerica Bank.
• Comerica Bank & Trust, National Association.
• Comerica Securities, Inc.¹
• Comerica Insurance Services, Inc.²
• Comerica Insurance Services of Texas Incorporated.²
• Comerica of California Insurance Services.²
• World Asset Management, Inc.

Please Note: Each Comerica entity will continue to contact its individual customers with offers for its own products and services. You will continue to receive marketing messages via your statement, as well as direct marketing solicitations.

Security Standards

We safeguard any information our customers share with us, according to strict standards of security and confidentiality. View detailed security information  at your convenience. (See Related Information.) We make every effort to keep our customer files complete, up-to-date and accurate. We will tell our customers how and where to notify us about errors, and we will promptly make corrections.

Customer Information 

Information you voluntarily provide to us is subject to different protections. Privacy Notice

Children’s Privacy Online

We do not knowingly solicit, collect, or use personal information from children under 13. For information concerning the Children's Online Privacy Protection Act (COPPA), visit the Federal Trade Commission's website at www.ftc.gov.

Information Collection by Companies Linked to Us

Our online practices may not apply to information obtained by websites linked to us. We are not responsible for information practices of those sites. We encourage you to review the policies and practices of each of the linked websites you choose to visit.

Changes to Our Privacy Policy

We reserve the right to change our Privacy Policy by posting changes to our Privacy Policy at this location.

Online Practices, Information About Cookies, and Other Use-Tracking Devices

Comerica respects your privacy!  Through our website, we strive to provide valuable information to you about how we may serve you.  To facilitate a better online experience, we use cookies and other use-tracking devices.

Cookies are small pieces of information stored directly on your personal computer.  Cookies help websites keep track of your preferences and to recognize you as a return visitor.  When you return to a website you have visited before, your browser gives the information stored in the cookie back to the website’s server.  For example, in addition to other information, www.comerica.com may use a cookie to save your zip code location selection so that we can present product and service information that is available in your area.   Additionally, we may use cookies to facilitate online surveys, to track how visitors use our site, or to delivery our products and services to you.  We use this information to improve the content, usability and functionality of our website.   Recording information in a cookie allows us to simplify and personalize your online experience, as well as delivering our products and services to you.

You may choose to set your browser to reject cookies.  However, we do not recommend disabling cookies on our website because you may not be able to log in or use basic features on our website such as Comerica Web Banking^sm.  For more information see the "Help" information for the browser you are using.  IF YOU DO NOT WISH TO HAVE COOKIES PLACED ON YOUR COMPUTER, YOU SHOULD SET YOUR INTERNET BROWSER TO REFUSE COOKIES BEFORE ACCESSING OUR SITE, WITH THE UNDERSTANDING THAT CERTAIN FEATURES OF THE SITE MAY NOT FUNCTION PROPERLY WITHOUT THE AID OF COOKIES.  IF YOU REFUSE COOKIES, YOU ASSUME ALL RESPONSIBILITY FOR ANY RESULTING LOSS OF FUNCTIONALITY.

We recommend you complete your online transactions and log off before visiting other sites or turning off your personal computer.  We also recommend that you do not visit other sites during your online banking session.

Comerica may use other use-tracking devices, which may change from time-to-time as technology changes, to help diagnose problems and to administer our website.   We also may track browser types to help us understand our visitors' needs related to our website design.  Comerica may use Web-Becons and other devices on parts of the website.  A Web-Becon, also known as a "Webbug" or “clear-gif,” is a small, graphic image imbedded on a page of the website, included in a Web-based document or an e-mail message that is designed to permit the monitoring of who is visiting a website.   Webbugs are often invisible to you because they may be very small (only 1-by-1 pixel) and/or are made to blend in with the background color of the webpage, document, or e-mail message.   Webbugs are identified with HTML IMG tags in the webpage.  You may use the "view profiles" of the webpage you are viewing on our website to see whether the page is using a Webbugs.

With the assistance of a cookie, Webbugs may collect the IP address of your computer, the URL of the page the Webbugs comes from and the time it was viewed, or other personal information.   For example, Webbugs may add information to a personal profile of what sites a person is visiting and to determine what banner ads to display based on the profile.   Another use of Webbugs is to provide an independent accounting of how many people have visited a particular website and to gather statistics about webbrowser usage at different places on the Internet.

Our website may include advertisements for third parties and their products, and those third-party advertisements and websites may include a cookie, Webbugs, or other device of the third party.  Comerica does not have control over the cookies, Webbugs, or other devices used by third parties and does not have access to whatever information they may collect.