The third party companies we use for online tracking have a network of advertising companies and may share anonymous information about your visits to pnc.com and other Web sites with us, and may use it in order to provide ads about goods and services of interest to you and which would be relevant to you, based on your browsing on PNC.com. From time to time, we may also share anonymous information with such third party companies in an aggregate form, for purposes of analysis and improvement of our Web site. If you would like more information about the use of third-party cookies and tags, or the process of opting out of such cookies or tags, please go to www.networkadvertising.org.

PNC uses third-party advertising networks to distribute our advertisements on other websites and mobile applications where we have paid to advertise. These advertisements may use tracking technologies to capture certain information, such as IP address, usage information, or your responsiveness to our advertisements. However, the technologies used do not capture information that identifies you individually. PNC does participate in third party ad network self-regulatory programs for online behavioral advertising.

Pursuant to these programs, PNC honors Do Not Track opt-out preferences that you make to third party advertising networks that we hire to perform online advertising on our behalf.

Two examples are the: Digital Advertising Alliance's (DAA) Self-Regulatory Program for Online Behavioral Advertising and DoubleClick. Click on either or both of these links to stop online advertising from PNC by either of these ad programs. You can also help limit the amount of online advertising you receive by visiting www.networkadvertising.org to opt-out of advertising from Network Advertising Initiative member companies.

We do not deliver online advertising to customers that have opted out from the receipt of commercial email from PNC when an online advertising campaign utilizes customer email addresses in connection with a hashing process that anonymously matches our ads to our customers who have a presence on select websites.

PNC does not provide a Do Not Track opt-out mechanism to prevent online advertising to you. Instead, we utilize the established industry mechanisms discussed above.

PNC does not respond to a do-not-track signal from your browser. See www.networkadvertising.org for information on how to opt out from third party cookies or tags. As noted above, when you use PNC's web sites, third parties used by PNC may collect certain information which does not identify you individually on the PNC web sites or on other sites where PNC advertises. Please review the Privacy Policies of all web sites you visit to ascertain the type of information collected on those sites. The type of personal information that PNC collects online about you is identified above under heading Personal Information and Data, subsection: We Collect Personal Information About You When.

Visit the Federal Trade Commission to learn more about how to limit tracking and online advertising through controlling cookies and other tracking technology that is attached to your browser.

The California Consumer Privacy Act (CCPA) is a right afforded to only residents of the State of California.

California defines residency as (1) every individual who is in the State for other than a temporary or transitory purpose, and (2) every individual who is domiciled in the State who is outside the State for a temporary or transitory purpose. All other individuals are nonresidents. Examples of domicile include paying taxable income, maintaining a permanent home, paying resident tuition, voting in a California election, or any other benefit not ordinarily extended to nonresidents.

Note that as part of servicing consumer requests and customer accounts, PNC may collect certain categories of information as noted in the “California Consumer Privacy Act Privacy Notice”; however, not all categories of information are likely to be collected from or about each individual consumer. The specific categories of information collected are dependent on the PNC service(s) provided.

Due to other Federal and State laws, PNC may not be able to fulfill deletion of personal information because such information is needed to provide your product or service and/or meet legal requirements.

As a resident of the state of California, per the California Consumer Privacy Act, you have the right to request, delete, or correct your inaccurate personal information.

PNC offers multiple ways to request, delete, or correct inaccurate personal information:

• As a PNC customer, you have the capability to immediately correct inaccurate information by logging into your Online Banking account at PNC.com 
• By calling 1-888-PNC-BANK
• By visiting a local branch
• As a current PNC employee, you have the capability to immediately report a change in your personal information by going to Your Profile on the Your Snapshot tab in Pathfinder. If you are a former employee, contact the HR Service Center at 1-877-968-7762
• Or, open a Data Subject Access Request (DSAR) case to request, delete, or correct your inaccurate personal information which could take up to 45 days to complete (or 90 days if an extension is required). Please note that by opening the DSAR case we will need to intake credentials to validate you as a requestor. Once the validation process is complete, PNC will be notifying you within 10 days on the status of the case. PNC might also need to reach out for additional supporting documentation to make the correction/update. If this is the preferred option, please click the link below. 

For anything unrelated to personal information requests, including general servicing questions or concerns, check out our self-service resources, or give us a call:

• Customer Service Center, 1-888-PNC-BANK.

Review the California Consumer Privacy Act Privacy Notice

Revise el Aviso de privacidad de la Ley de Privacidad del Consumidor de California

Last Updated: January 1, 2026

Changes to Our California Privacy Notice

PNC will update this notice in response to changing legal, technology, or business developments. We will post the most up-to-date notice on pnc.com/privacy. You can see when the notice was last updated by checking the “last updated” date displayed at the top. If you have questions about changes, please contact PNC through our website or by following the details below.

Contents:

1. INTRODUCTION
2. CATEGORIES OF PERSONAL INFORMATION COLLECTED
3. PURPOSES FOR COLLECTION, USE AND DISCLOSURE
4. YOUR RIGHTS AND CHOICES
5. CHANGES TO OUR PRIVACY NOTICE
6. CONTACT INFORMATION

1. INTRODUCTION

1.1 PNC Financial Services Group, Inc. (collectively, “we,” “our,” “us,” “PNC”) is committed to protecting the privacy of personal information of individuals. This Privacy Notice supplements the information contained in the Privacy Policy of PNC and its subsidiaries and applies solely to residents of the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act (CCPA) and the regulations promulgated thereto, each as amended, including pursuant to the California Privacy Rights Act of 2020 (the “CPRA”). Any terms defined in the CCPA have the same meaning when we use them in this notice

1.2 This Notice does not apply to or describe information that is not personal information or is otherwise exempt from the CCPA, including:

• Publicly available information from government records.
• Information that a business has a reasonable basis to believe is lawfully made available to the general public by the consumer or from widely distributed media.
• De-identified or aggregated consumer information.
• Information excluded from the CCPA’s scope, like:

Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data.

Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

2. CATEGORIES OF PERSONAL INFORMATION COLLECTED

2.1 We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer (“personal information”). In particular, we have collected and processed the categories of personal information (as defined by the CCPA) as listed in Section 2.2 in the last twelve (12) months.

2.2 While our processing of personal information varies based upon our relationship and interactions with consumers, the table below identifies, generally, the categories of personal information (as defined by the CCPA) that we have collected about California residents. Please note that not all examples listed in the table below are collected from every consumer.

*We may not collect all items listed as examples in a particular category.

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

• Directly from you or your authorized agents — for example, from documents that our customers provide to us related to the services for which they engage us.
• Indirectly from you or your authorized parties — for example, through information we collect from our customers (including your employer) in the course of providing services to them.
• Directly and indirectly from activity on our websites — for example, from submissions through our website portal or website usage details we collect automatically and the devices you use to access our website.
• From third parties that interact with us in connection with the services we perform — for example, from credit bureaus when we offer or extend credit to you.

2.4 We retain the personal information we collect only as reasonably necessary for the purposes described in this notice or otherwise disclosed to you at the time of collection. The length of time varies depending upon the circumstances, including the type of information, purposes of collection, and applicable compliance, risk management and legal obligations. (For example, we will retain your transactional data for as long as necessary to comply with our tax, accounting, compliance, risk management and recordkeeping obligations, as well as an additional period of time as necessary to protect, defend or establish our rights, defend against potential claims, and comply with legal obligations.)

3. PURPOSES FOR COLLECTION, USE AND DISCLOSURE

3.1 Subject to Section 3.2, we may collect, use, and disclose the personal information we collect about California consumers for one or more of the following business or commercial purposes:

• To fulfill or meet the reason for which the information was provided. For example, if you, your employer, or another entity with whom we do business, shares your name and contact information to request a financial product or ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your request.
• To provide, support, personalize, and develop our websites, products, and services.
• To create, maintain, customize, and secure your account with us.
• To process and respond to your requests, purchases, transactions, and payments and prevent transactional fraud.
• To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
• To communicate with you, including transactional and account-related information as well as news, updates, and marketing communications.
• To personalize your website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads, including through our websites and via phone, email, or text message (with your consent, where required by law).
• To help maintain the safety, security, and integrity of our business websites, products and services, databases, and other technology assets.
• For testing, research, analysis, and product development, including to develop and improve our websites, products, and services.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to you when collecting your personal information or as otherwise set forth in the CCPA.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of PNC’s assets, whether as a going concern or as part of a bankruptcy, liquidation, or similar proceeding, in which personal information held by PNC about our website’s users is among the assets transferred.

3.2 Notwithstanding Section 3.1, we only use and disclose sensitive personal information as reasonably necessary (i) to perform our services requested by you, (ii) to help ensure security and integrity, including to prevent, detect, and investigate security incidents, (iii) to detect, prevent and respond to malicious, fraudulent, deceptive, or illegal conduct, (iv) to verify or maintain the quality and safety of our services, (v) for compliance with our legal obligations, (vi) to our service providers who perform services on our behalf, and (vii) for purposes other than inferring characteristics about you. We do not use or disclose your sensitive personal information other than as authorized pursuant to section 7027 of the CCPA regulations (Cal. Code. Regs., tit. 11, § 7027 (2022)).

3.3 We may disclose each of the below categories of your personal information for a business purpose to the following types of service providers or contractors:

3.4 We may disclose personal information to our affiliates and subsidiaries; to third parties at your direction or with your consent, including data aggregation services; to governmental authorities and law enforcement agencies as required by applicable laws and regulations; and to other parties as necessary to comply with legal obligations such as subpoenas, court orders, or other lawful requests. Such disclosures may also occur to enforce our terms of use or other rights, prevent fraud, address security or technical issues, respond to emergencies, or protect the rights, property, or safety of our customers or others. Additionally, we may disclose personal information with any party you specifically authorize. All disclosures will be limited to the minimum amount of information necessary to fulfill the applicable purpose.

3.5 The CCPA also requires that we disclose how we “sell” and “share” personal information. PNC does not “sell” or “share” (as defined by the CCPA) sensitive personal information about California residents. Under the CCPA, a “sale” is defined broadly to include disclosing or making available personal information to a third-party in exchange for monetary compensation or other benefits or value, and “share” broadly includes disclosing or making available personal information to a third-party for purposes of cross-context behavioral advertising. While we do not disclose or make available personal information in exchange for monetary compensation, we may “share” personal information with the categories of third parties described below in order to improve and evaluate our marketing and advertising campaigns and better reach customers and prospective customers with more relevant ads and content. However, we do not “sell” or “share” personal information (including sensitive personal information) of consumers we know to be under sixteen (16) years of age.

3.6 We will not collect additional categories of personal information or use or disclose the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

4. YOUR RIGHTS AND CHOICES

4.1 The CCPA provides consumers with specific rights regarding their personal information, as further described in this Section 4. PNC will respond to your requests as required by and subject to certain exceptions and limitations set forth in the CCPA. Please review this section for a description of your CCPA rights and how you make exercise those rights.

4.2 Access to Specific Information and a Copy of Personal Information (Right to Know)

You have the right to request, up to twice per year, that we disclose certain information to you about our collection and use of your personal information and to request a copy of the specific pieces of personal information that we have collected about you (collectively, referred to as your “access” right), including:

4.2.1 The categories of personal information we have collected about you;

4.2.2 The categories of sources for the personal information we collected about you;

4.2.3 Our business or commercial purpose for collecting, selling, or sharing that personal information;

4.2.4 The categories of personal information we have disclosed for a business purpose and third parties to whom we have disclosed your personal information for a business purpose;

4.2.5 The categories of personal information we have sold to or shared and the categories of third parties to whom such information has been sold or shared (if applicable); and

4.2.6 The specific pieces of personal information we collected about you (also called a data portability request).

4.3 Deletion Request Rights

You have the right to request we delete any of your personal information we collected from you and retained, subject to certain exceptions and limitations.

4.4 Correction Rights

You have the right to request the correction of inaccurate personal information.

4.5 Do-Not-Sell or Share Rights

California residents may submit a request to opt out of sales and sharing, as defined by CCPA, by clicking the “Do Not Sell or Share My Personal Information” link CPRA Form. In addition, our website responds to global privacy control- or “GPC”- signals, which means that if we detect that your browser is communicating a GPC signal, we will process that as a request to opt that particular browser and device out of sales and sharing (i.e., via cookies and tracking tools) on our website. Note that if you come back to our website from a different device or use a different browser on the same device, you will need to opt out (or set GPC for) that browser and device as well. More information about GPC is available at: https://globalprivacycontrol.org/. Please note, however, we do not “sell” personal information with any third parties, as defined under the CCPA.

4.6 Limit Use and Disclosure of Sensitive Personal Information Right

California residents also have the right to direct PNC to limit certain uses and disclosures of their sensitive personal information, which go beyond those specifically authorized pursuant to the CCPA. However, as stated in Section 4.2 above, we do not use and disclose sensitive personal information about California residents beyond these authorized purposes.

4.7 Submitting Request to Know/Access, Correct, and Delete

To exercise your right to know/access, correct, or delete as described above, please submit a verifiable consumer request (as described more fully below) to us by either:

4.7.1 Calling us at 1-888-PNC-BANK (1-888-762-2265).

4.7.2 Visiting pnc.com/privacy.
California residents may submit a verifiable request to know/access, correct, or delete their personal information on their own behalf and on behalf of their minor child. Pursuant to the CCPA, authorized agents may also submit a verifiable request on behalf of another consumer for whom they have been duly appointed. Authorized agents will be required to provide proof of their authorization and we may also require that the relevant consumer directly verify their identity and the authority of the authorized agent.

A verifiable consumer request must:
4.7.3 Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.

4.7.4 Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it. If we are able to comply with your request, our response will include all personal information that we have collected about you and will not be limited to the 12-month period preceding your request.

We will take steps to verify your request and to identify our relevant records that contain your personal information. We will process your request based upon the personal information in our records that is linked or reasonably linkable to the information provided in your request. In some cases, we may request additional information in order to verify your request or where necessary to process your request. We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us.

We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

We endeavor to respond to a verifiable consumer request for access to personal information within 45 days of receiving it. If we require more time (up to a total of 90 days), we will inform you of the reason and extension period in writing.

The response we provide will also explain the reasons we cannot comply with a request, if applicable.

4.8 Non-Discrimination

California consumers also have the right to exercise their CCPA rights without being subject to discriminatory treatment or retaliation, and to receive transparent disclosures about any financial incentives a business offers them with regard to the collection, use, and disclosure of their personal information.

Discrimination may exist where a business takes or suggests that it will take the following actions in response to a consumer exercising rights under the CCPA, unless doing so is reasonably related to the value provided to the consumer by the consumer’s data:

4.8.1 Deny access to or use of goods or services.

4.8.2 Charge different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.

4.8.3 Provide a different level or quality of goods or services.

5. CHANGES TO OUR PRIVACY NOTICE

We may amend this privacy notice from time-to-time. We will provide notice of any material changes we make to this privacy notice, such as by through a notice on our website homepage or via email.

6. CHANGES TO OUR PRIVACY NOTICE

If you have any questions or comments about this notice, our Privacy Policy, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone:1-888-PNC-BANK (1-888-762-2265)

Website:pnc.com/privacy

A Spanish version of this document is available at pnc.com/es/privacy-policy.html as a courtesy to our clients who use Spanish as their primary language. However, not all pages on PNC.com have been translated. If there is a conflict between the content on the translated page and the content on the English version of that same page, the English version will prevail.

The International Customer Privacy Notice is applicable to non-US customers and prospects only. Additional privacy rights may be applicable based on your local jurisdiction.

Last updated January 19, 2021.

Q: Why are you providing this FAQ?
A: As your bank, PNC has an obligation to ensure your money and personal information are kept safe and secure. In order to do so, there is critical information we must collect from you and your mobile device when you use our mobile apps. We want to be transparent with you about what that information is and how we use it.

Q: Are you gathering more data?
A:For iPhones and other devices using iOS, PNC is following Apple’s App Store privacy guidelines. The data that we collect is not changing. We’re just providing more transparency about what we’re collecting.

Q: What data do you collect?
A:The PNC Mobile Banking app uses 4 types of data: user ID, device ID, product interaction and advertising data.

Q: What does “collect” mean?
A:“Collect” means that data is being transferred to PNC and/or our third-party providers and stored for a longer period than what we need to service you in real time. An example is storing your device ID to prevent fraud.

Q: What data do you collect that can identify me?
A:PNC collects two primary pieces of data that can identify you: identifiers and usage data. Identifiers are things like your user ID or your device’s unique identifier. These are pieces of information that allow us to track offers served to our customers, track usage of various features and to track users to identify potential fraud.

Q: What data do you collect that is linked to me?
A:PNC collects two primary pieces of data that is linked to you: identifiers and usage data. Identifiers are pieces of information that allow you to sign into the app, like your user ID. Usage data is information that allows PNC to determine which features you may use.