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Privacy Policy

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SMS Communications Privacy Policy

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Use of Information

We use your number to send:

  • Transaction alerts and account notifications
  • Security alerts and important updates
  • Promotional offers (if opted in)

Consent and Opt-Out

By providing your number, you consent to receive SMS messages. You can opt out anytime by following the instructions in our messages.

Purpose and Scope
This SMS Communications Policy explains how Royal Banks of Missouri uses text messaging to communicate with customers and prospects, the types of messages that may be sent, and the choices available to you regarding SMS communications.

Types of SMS Messages

If you provide your mobile phone number and opt in, Royal Banks of Missouri may send SMS messages that include:

  • Account-related notifications, such as transaction alerts, balance or payment notifications,
    and account status updates
  • Security and fraud-prevention alerts, including suspicious activity notifications and
    important risk-related communications
  •  Service and operational updates, including changes affecting your banking services
  • Promotional or informational messages, only where you have separately and expressly
    opted in prior to receiving such messages.

Message frequency varies based on account activity, security events, and your selected communication preferences. Message and data rates may apply.

Consent to Receive SMS Messages

By voluntarily providing your mobile phone number and completing the applicable opt-inprocess, you authorize Royal Banks of Missouri to send SMS messages to that number for the purposes described above. Your consent to receive SMS messages:

  • Is not required to open an account or obtain banking products or services
  • Applies only to Royal Banks of Missouri
  • Applies only to the specific categories of messages for which you have provided
    consent

Opt-Out and Customer Support

You may opt out of SMS messages at any time by replying STOP to any message. After opting out, you will receive a one-time confirmation message, and no further SMS messages will be sent unless you re-enroll. For assistance, reply HELP to any message or contact Royal Banks of Missouri at (314) 212-1500.

Information Security

Royal Banks of Missouri maintains administrative, technical, and physical safeguards designed to protect your personal information and mobile phone number in accordance with applicable federal and state banking and privacy laws.

Use and Sharing of SMS Information

Mobile phone numbers and SMS consent records collected for messaging purposes will not be sold, rented, or shared with third parties or affiliates for marketing or promotional purposes. We may disclose information to authorized service providers solely as necessary to support secure message delivery, fraud prevention, system operations, and compliance obligations, subject to contractual confidentiality and information-security requirements.

Policy Updates

Royal Banks of Missouri may update this SMS Communications Policy from time to time to reflect changes in law, technology, or business practices. Updates will be posted on our website. Continued participation in SMS programs after the effective date of any update constitutes acceptance of the revised policy.

Data Security

We implement security measures to protect your information.

Sharing Information

SMS consent and Phone Numbers collected or captured for SMS purposes will not be shared, sold, or disclosed with any third parties, or any other individual for any type of marketing purposes or affiliate marketing.

Changes to This Policy

We may update this policy and will notify you of significant changes via SMS.

FACTS WHAT DOES ROYAL BANKS OF MISSOURI DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Royal Banks of Missouri choose to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Royal Banks of Missouri share? Can you limit this sharing?
For our everyday business purposes-such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes-to offer our products and services to you Yes No
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes-information about your transactions and experiences No We don't share
For our affiliates' everyday business purposes-information about your creditworthiness No We don't share
For nonaffiliates to market to you No We don't share
Who we are
Who is providing this notice? Royal Banks of Missouri
What we do
How does Royal Banks of Missouri protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Royal Banks of Missouri collect my personal information? We collect your personal information, for example, when you
  • Open an account or use your credit or debit card
  • Deposit Money or give us your contact information
  • Apply for a loan
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing? Federal law gives you the right to limit only
  • Sharing for affiliates' everyday business purposes - information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Royal Banks of Missouri has no affliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Royal Banks of Missouri does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Royal Banks of Missouri doesn't jointly market.
Other Important Information

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