USAA Online Information Practices Notice

This Online Information Practices Notice ("Notice") applies to members and non-members who use our Site and describes how we may collect, use, share, and protect your personal information. We collect your personal information for our everyday business purposes as described below. The terms "USAA," "we" or "us" means United Services Automobile Association or any of its subsidiaries or affiliates.

By using our Site and mobile app, you agree to the terms and conditions of this Notice. USAA works with third-party providers who are contractually obligated to comply with our policies to protect information. However, if you visit or access one of these third-party provider websites or mobile apps, please review the online privacy practices of that website or mobile app to understand the specifics of how your online personal information may be collected, used and shared.

If you are a resident of the European Economic Area (“EEA”) or the United Kingdom (UK), please see our Privacy StatementsOpens in a New Window for those regions, which cover members who obtain products or services from the USAA entity named in the applicable Privacy Statement. This Notice is not applicable to EEA or UK residents.

If you are a resident of California, please see our CCPA Privacy NoticeOpens in a New Window for information about the additional rights under the California Consumer Privacy Act.

Our Site and Mobile App are not designed, directed or marketed to individuals under the age of 13, and we request that these individuals do not provide personal information through our Site or Mobile App. We do not knowingly collect personal information from children under 13.

"Personal information" is information that identifies you and may include, but isn’t limited to, your email address and other contact information, financial and payment information, authentication information, and other information as protected by applicable law. It does not include personal information that is anonymized, aggregated or de-identified.

"Site" means usaa.com, USAA mobile apps, and other websites or applications owned and operated by USAA and linked to this Notice, unless a different notice is posted on a particular website or is made available to you and by its terms, supplements or replaces any of the terms of this Notice.

Our Site includes links to other websites. The privacy practices of these linked websites and platforms are different from ours. Your information is governed by the privacy policies of the websites or platforms you visit. We encourage you to carefully read the privacy policy when visiting other websites. We do not guarantee and are not responsible for the privacy or security of these websites.

If you are a member and your personal information is "nonpublic personal information" that we collected in connection with providing you a financial product or service, then your personal information is also covered by our Privacy Promise. If you are insured by us and your personal information includes "electronic protected health information," your personal information is also covered by our Insurance Information Practices Notices provided to you when you obtained your insurance policy, and as otherwise provided to you from time to time.

• Identifiers, such as name, address, and Social Security number
• Personal information, such as contact information and financial information
• Characteristics of protected classifications, such as sex and marital status
• Commercial information, such as transaction and account information
• Biometric information, such as fingerprints, voice recordings and voiceprint
• Internet or network activity information, such as browsing history and interactions with our Site
• Geolocation data, such as device location
• Audio, electronic, visual or similar information, such as call and video recordings
• Professional or employment-related information, such as work history and prior employer
• Education information, such as school and date of graduation
• Inferences drawn from any of the personal information previously mentioned to create a profile about something such as an individual’s preferences and characteristics

We also collect personal information you provide when you visit or use our Site and mobile app to do things such as:

• Logging on, creating or editing your online account profile
• Accessing your insurance or banking online
• Obtaining a product or service from us
• Completing an online form, such as a credit card application
• Contacting or chatting with member support
• Completing a survey or quiz
• Requesting certain features, such as newsletters, updates or other products
• Signing up for Job alerts or request career information
• Joining one of our online communities

Additionally, we collect personal information about you through your computer or mobile device using cookies and similar tracking technology. See our Cookie Notice Opens in a New Window for details.

We retain personal information for the time period reasonably necessary to achieve the purposes described in this Notice or any other notice provided at the time of collection, unless a longer retention period is required or permitted by applicable law, taking into account applicable statutes of limitation and our records retention requirements and policies.

Please contact us at 800 531-8722 if you would prefer not to provide your personal information online.

When you do something such as refer a friend to our Site, share a job opportunity with them or send them a payment, we may ask for your friend’s information to process your request. We do not share your friend’s information with anyone else, except as provided in this document. You are not required to use our Site to let your friends know about us or our careers.

If you choose to make public comments or place content on our Site, such as through our online communities, you acknowledge that such information may be available to other visitors to our Site. This means that it may be read, collected and used by others without our knowledge or approval. Please do not post personal information to our Site.

We may share the information we collect from you in the following circumstances:

• To our third-party providers for our everyday business purposes to help us deliver the services you request or to market to you our products and services, including credit card processors, technology and customer support services; advertising delivery and measurement services; analytics providers; market research and data management services; web hosting; and web development
• Among USAA affiliates to provide you with our full range of financial products and services, subject to the Privacy Promise
• To other companies or businesses in connection with a proposed sale or merger
• With your consent, including in our member agreements, or in accordance with your directions

Data obtained through USAA’s short code program, or text messaging, will not be shared with any third parties for their marketing reasons or purposes.

When you visit or use our USAA-branded pages on social media, you may send us your information using the social media platform, for example, by posting on our page or sending us a direct message. Please do not send us personal information using social media. We will never ask you to submit sensitive personal information via social media. If you contact us, we may have access to your public profile information. When you like or follow us on social media, we may be able to see your public profile information. If you tag friends on our social media, we may be able to see their public profile information. The information you send to us or that may be viewable or collected by us is governed by the social media platform’s privacy policy. We do not control the social media platforms privacy policies, which may be updated by the platform at any time.

USAA offers interest-based advertising to members, potential future members and customers to make sure that our promotions are relevant to you. For example, if you visit the auto insurance pages of our Site, we may use this activity information to serve auto insurance advertisements to you elsewhere on the internet. This helps us offer you competitive terms for products that may be of actual interest to you. For these purposes we may share personal information about your activities on our Sites or your relationships with us, as well as de-identified, anonymized, or aggregated personal information with our advertising service providers. We may offer you interest-based advertising on a variety of platforms or channels, such as through direct mail, email, or connected television channels, as well as social media and other digital media.

If you are interested in more information about interest-based advertising, please visit the Network Advertising Initiative’s Consumer Opt-Out linkOpens in a New Window or the Digital Advertising Alliance’s Consumer Opt-OutOpens in a New Window link to find out more information and learn how to opt-out of receiving interest-based advertising from companies that participate in those programs.

You can also control advertising IDs on your iOS and Android devices by locating the privacy settings on your device. Users of other digital services may be able to opt-out of interest-based advertising through the provider of the digital service. For mobile devices, there are specific operating system and application controls for opting out of certain types of tracking or customized advertising. iOS and Android mobile device users, and possibly users of other mobile devices, may control in-application advertisements by disabling or resetting the mobile device advertiser ID. We encourage you to review the privacy policy of your digital service provider to determine if they engage in interest-based advertising, and, if so, how to opt-out. We do not control these opt-out links and are not responsible for any choices you make using these mechanisms or the continued availability or accuracy of these mechanisms.

In addition to the advertising choices above, we currently respond to browser initiated Do Not Track signals to the extent applicable in your jurisdiction.

If you are a resident of California, you may have the right to limit the sharing of certain California personal information as further described in our CCPA Privacy NoticeOpens in a New Window.

We may obtain additional information about you from publicly available sources and from various third parties, such as marketers, researchers, and others for marketing purposes. For instance, we may work with data enhancement companies to learn more about our members or potential members to help provide more relevant ads and offers for you. We use this information to offer you customized marketing and advertising.

We may also send you marketing emails. If you do not want to receive marketing materials by email, please indicate your preference on the contact information for your online account with us. We also provide opt-out information in all commercial email messages we send via an unsubscribe link. Please note that it may take us some time to process your requests consistent with applicable law. There is not an unsubscribe option for transactional or relationship messages, for example, billing or account notifications, that we send if you are our member or if you have engaged in transactions with us or sent inquiries to us. However, you may always choose to remove your email address from your USAA account. If you choose to remove your email address on file with us and have disabled email alert preferences for products and services, you will no longer receive email notifications.

We use administrative, operational and technical security processes to protect your personal information. Our Site uses the https protocol, which means that any personal information you send to us is protected by encryption. Our member logon pages require unique credentials and authentication to limit access. Please safeguard this access using strong, unique, and frequently changed passwords and security questions. We recommend that you do not use your Site credentials anywhere else. Please secure your devices used to access our online services. We also allow our members to update their account and profile information securely through the Site. Please see our Security CenterOpens in a New Window.

Keeping your account information, including your personal and contact information, accurate and current is very important. If your account information is incomplete, inaccurate or not current, log on to our Site and update your personal profile page.

We may change this Notice from time to time and without prior notice to you. If we make changes to this Notice, we will notify you by revising the Effective Date within the Notice, and in some cases, we may additionally notify you of changes we believe to be material by adding a temporary statement to our Site or providing you some other form of notification. Your continued use of our Site constitutes your acceptance and agreement to any changes to this Notice.

This Notice is administered by our Enterprise Privacy Office. If you have any questions or concerns, send us an email by selecting the Contact Us link on usaa.com, or call us at 800-531-7154 . You may also reach us by mail at 9800 Fredericksburg Road, San Antonio, TX 78288 0020.

Effective Date: January 1, 2024