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BMW Financial Services
Last updated 3/16/2012
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Online Privacy and Security
Your privacy on the Internet is as important to us as your safety when driving a BMW, which is why we at BMW Group Company believe in an active approach to safeguarding your privacy online. You can interact and remain assured that you are protected by confidentiality, security, and your individual right to change your mind.
My Account Setup
There are three types of accounts available on bmwusa.com: one for BMW Visitors, one for BMW Owners and one for BMW Owners who also have an account with BMW Financial Services. Once you've registered, you will receive personalized BMW news and information via email. To delete your account, you can email a request to the webmaster.
All information in our possession requires a unique password and Login ID to access it. With this password you can edit, delete or add to information you have shared while visiting our site. Additionally, the information you include in a credit application is secure while in transit to us.
Site Traffic Monitoring
We collect anonymous information about every visit to our site by tracking Internet Protocol (IP) addresses on an aggregate basis. We do not link IP addresses to any personal information associated to the individual visitor. We use this information only to determine how to make future visits more convenient and productive for all BMW enthusiasts. We also collect browser type, access time, and the URL where a user is entering or exiting the site.
You will only receive emails or mailings from BMW of North America if you have requested to be on our correspondence list. If you are currently on our list and do not wish to receive further information from us, simply tell us by updating your preferences in the My Account section. Any personal information you share with us can be updated at any time in the My Account section.
Correcting/Updating Personal Information
When a user's personally identifiable information changes (such as ZIP code), or if a user no longer is interested in our service and we are notified of such changes, we will endeavor to correct, update or remove that user's personal data provided to us. Your personal information can be updated at any time in the My Account section.
Though our site contains links to other sites, we are not responsible for the content, links or privacy on any of those sites.
We use email links throughout the site to allow you to contact us directly with any questions or comments you may have. We read every message and try to reply promptly to every one. Information in the message is used to respond directly to your comments or questions. We may also file your comments to improve the site and programs, or review and discard the information. Your personal information is not shared with third parties without your explicit permission.
BMW Financial Services
In order to register for BMW Financial Services, specifically for our online personal banking or BMW credit card, we require information such as name, email address and mailing address. We also required additional information such as Social Security Number, drivers license and date of birth. The information is strictly used to verify a person's identity and is not shared with any other party without your explicit consent.
The banking services site has SSL Version 3 (Secure Sockets layer) from Netscape. This provides a 'security handshake' to initiate the connection. This encrypts and decrypts the data sent. The encryption is based upon technology that uses military-grade public/private key encrypted information in the client request and server response. All information is fully encrypted, such as the content of terms submitted (i.e., credit card numbers), access authorization information (such as user names and passwords), and data returned from the server to the client. Secure SSL sessions are established in BMW Online Services areas where your personal information is being transmitted, including online services, account related email, and customer service areas.
The servers are protected by several security mechanisms. First, Filtering Routers restrict access to only approved network paths. Second, firewalls limit access and prevent certain attacks. Checkpoint Firewall-1, a leading product in the firewall industry, is backed up by Hewlett Packard's Virtual Vault. Virtual Vault helps create a secure environment for financial Web applications and helps protect against errors in server software and its applications. Application and Insider Security: Virtual Vault also provides strong authentication of customers and proper enforcement of authorization for transaction requests. Within Virtual Vault there is an application that provides the only access between inside and outside compartments. The Trusted Gateway also validates URL references and performs certain other calculations to prevent unauthorized scripts from being executed. Virtual Vault also has insider security application. With Virtual Vault, users must log into their own accounts and may access only the administrative commands for which they have authorization. Virtual Vault also provides an audit trail to trace unusual or unauthorized transactions.
External Server Security:
The server must interface to the external server that is used by the financial institution for core processing, such as balance inquires, history inquiries, and monetary transactions. These interfaces are done through firewalls and Encrypting Routers using Virtual Private Network (VPN) technologies. VPN creates a secure encrypted tunnel from a router or firewall to a matching device on the other end of the network.
Frequently Asked Questions
Will BMW Financial Services retain and collect my personal information?
We collect, retain and use information about you only where we reasonably believe that it will help administer our business. We must be able to identify and distinguish you and your products and services to prevent unauthorized entities from accessing your personal financial information.
What should I do when I have finished accessing confidential data?
When you have finished using a secure area of the BMW website, make sure you always click on the ''Sign Out'' link. When you click on it, you will be given the option to end your secure session. No further secure transactions can be conducted without re-entering your Login ID and password.
Why can I still see some of my account information even after I have left a secure area?
Browser software often ''caches'' pages as you look at them, meaning that some pages are saved in your computer's temporary memory. Therefore, you may find that clicking on your back button shows you a saved version of a previously viewed page. Please keep in mind that caching in no way affects the security of your confidential Login ID or password. If you use your computer in a public place, please read below.
What should I do if I am using a public computer?
If you use a computer that others also work on and you are uncomfortable that they may view ''cached'' pages after you have left the station, quit/exit your browser software before leaving. This will decrease the possibility of anyone viewing confidential information. No other users will be able to access your account information online without your Login ID and password.
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BMW of North America, LLC.