We invest across all asset classes worldwide, with a strong track record of innovation and client support.
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BMO Financial Group appreciates the opportunity to help you meet your financial needs. From the day Bank of Montreal was founded in 1817, earning and keeping your trust has been at the very core of our business. We are committed to respecting and protecting the Personal Data that you entrust to us. It is important for you to understand what Personal Data we will collect, how we will use it, and who may see it.
This Privacy Code applies to the BMO Financial Group operations that take place in Europe. Data protection contact details of these companies can be found below. Defined terms are listed in Annex A.
This Privacy Code outlines our commitment to you and incorporates the following 10 key privacy principles:
We have strict policies and procedures governing how we deal with your Personal Data. Every employee is responsible for respecting and protecting the Personal Data to which they have access.
Our Data Protection Officer oversees how we deal with your Personal Data. Please see Contact Us for information on how to reach our Data Protection Officer.
When we collect your Personal Data, we may use or disclose it for the following purposes.
We may monitor calls and transactions to ensure service quality, to comply with law and regulation and our internal procedures and to combat fraud and other criminal activity.
If a new purpose for using your Personal Data develops, we will update this policy to identify that purpose.
Some of our processing is permitted by legal bases other than consent (see section 2 above). Where we are required to do so, we will obtain your consent before using your Personal Data for Direct Marketing. If you do not want to receive our Direct Marketing communications and/or do not want to have your Personal Data shared among relevant members of BMO Financial Group for the purpose of marketing, you can have your name deleted from our Direct Marketing and/or shared information lists. If you want to change your privacy preferences, please contact the BMO Financial Group company that you do business with.
To the extent another legal basis cannot be applied, we will rely on your consent to process criminal convictions data and politically exposed persons’ Personal Data. Such consent is necessary for us to provide our services; if you withdraw this consent we may have to stop providing certain services.
We only collect the Personal Data that we determine we need for one or more of the purposes set out in Principle 2.
For example, we may collect:
We will only use or disclose your Personal Data for the purpose(s) it was collected for and as otherwise identified in this Privacy Code.
Sharing outside the BMO Financial Group: Personal Data may be provided to third parties, including anti-fraud organisations or legal, regulatory or law enforcement authorities in cases of suspected criminal activity or contravention of law, for the detection and prevention of fraud, or when required to satisfy the legal or regulatory requirements of governments, regulatory authorities or other self-regulatory organisations, or to comply with a court order. Unless prohibited by law, we can give you details of any such third party disclosures upon request.
Sharing within the BMO Financial Group: We may share your Personal Data within the BMO Financial Group, including locations outside of the European Economic Area (EEA) for marketing purposes, for legal and regulatory purposes, to manage business risks, to perform analytics, to ensure we have correct or up-to-date information about you (such as your current address or date of birth) and to better manage your relationship with us.
Business sale or re-organisation: over time, we may buy new businesses or sell some of our businesses. Accordingly, Personal Data associated with any accounts, products or services of the business being sold will be reviewed as part of the due diligence process and subsequently transferred as a business asset to the new business owner. We may also transfer Personal Data as part of a corporate reorganisation or other change in corporate control.
Sub-contractors and agents: we may use affiliates or other companies to provide services on our behalf such as data processing, account administration, fraud prevention and detection, analytics and marketing. Such companies will be given only the Personal Data needed to perform those services and we do not authorise them to use or disclose your Personal Data for their own marketing or other purposes. We have contracts that hold these companies to the same standards of confidentiality by which we are governed.
We are committed to keeping your Personal Data accurate, complete and up-to-date. If you discover inaccuracies in our records, or your Personal Data changes, please notify the BMO Financial Group company that you do business with immediately so that we can make the necessary changes. Failure to notify us of changes to your Personal Data may negatively impact the way we communicate or provide services to you. Where appropriate, we will advise others of any material amendments to your Personal Data that we may have released to them. If we do not agree to make your requested amendments, you may challenge our decision as described in Contact Us.
We use an extensive range of safeguards to protect your Personal Data.
We have agreements and controls in place with third party service providers requiring them to safeguard any Personal Data we provide to them and use the Personal Data only for the purpose of providing the service we have requested them to perform.
From time to time, we may make changes to this Privacy Code. Where we have your email address, we may email you if the changes are material. Otherwise, we will not. We therefore recommend that you check the Code from time to time.
This Privacy Code at http://www.bmogam.com or http://www.bmorep.com (as applicable) is always the most recent version.
Please see Contact Us to answer any questions you may have about our Privacy Code.
If your complaint remains unresolved after raising it with the BMO Financial Group entity you do business with, you may contact our Data Protection Officer at:
BMO Financial GroupOffice of the Data Protection Officer
95 Queen Victoria Street
London, EC4V 4HG.
If after contacting us you do not feel that we have adequately addressed your concerns, please contact the Data Protection Regulator in the country where the BMO Financial Group entity that you deal with is established, as set out in the chart above.
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The cookies that we use on this Website can be categorised into the following groups:
By using our Website, you agree that we can place these types of cookies from us and third parties such as Google Analytics, Hotjar and Flashtalking on your device.
If you wish to remove or block cookies set by this Website from your browser, you can delete them. The instructions for removing cookies from your computer or mobile device will depend on the operating system and web browser you use. Please note, however, that withdrawing your agreement to the use may impact your access to this Website. Click here for further information about cookies in general and instructions for managing cookies on many commonly used browsers. Alternatively you can consult your browser provider for such instructions.
If you have any questions or concerns about our privacy practices, the privacy of your Personal Data or you want to change your privacy preferences, please let us know.
The company that you correspond with or do business with will usually be the data controller in respect of your Personal Data and can answer any questions you may have about our Privacy Code or our use of your Personal Data. If your concerns are not resolved, please contact:
BMO Financial Group business
Business Unit Contact
Data Protection Regulator Contact
BMO Global Asset Management
F&C Management Ltd
F&C Managers Ltd
F&C Asset Managers Ltd
Client Services+44(0)20 7011 4444
Information Commissioner’s Office0303 123 1113
Rogier Van Harten+31 20 582 3795
Austrian Data Protection AuthorityE-Mail: email@example.com
Commission for the Protection of Privacy+32 (0)2 274 48 00
Robert Elfström+46 (0) 856646501
Data Protection Ombudsman+358 29 56 66700
Jean Michel Bongiorno+44 207 011 5233
Commission Nationale de l'Informatique et des Libertés+33 (0)220.127.116.11.22
Elmar Rathmayr+49 69 22228 3613
The Hessian Data Protection Officer
PO Box 3163
+49 611 1408 – 0
State Street Fund Services (Ireland) Limited+353 1 242 5529
Office of the Data Protection Commissioner+353 (0761) 104 800
Giampaolo Giannelli+39 020068 1619
Italian data protection authority+39-06-6967 71
State Street Bank Luxembourg S.A+352 46 40 10 7460
National Commission for Data Protection(+352) 26 10 60 - 1
Data Protection Authority
Luis Martin-Hoyos+34 91 419 89 01
Spanish Data Protection Agency (AEPD)Spanish Agency for Data ProtectionC / Jorge Juan, 628001-Madrid
Data Inspection Board (DIB)+46 8 657 61 00
Rochus Appert+41 44 488 1951
Federal Data Protection and Information Commissioner (FDPIC)+41 (0) 58 462 43 95
F&C Portugal S.A.
Joao Santos+351 21 003 3220
Comissão Nacional de Protecção de Dados (CNPD)(+ 351) 21 392 84 00
F&C Netherlands B.V.
Marco Mante de Vreede+31 20 582 3074
The Dutch Data Protection Authority0900 200 12 01
Thames River Capital LLP
Thames River Multi-Capital
Business Unit Compliance Officer firstname.lastname@example.org
+44 (0) 20 7495 4641
Information Commissioner’s Office
0303 123 1113
BMO Real Estate Partners
+44 207 499 2244
0303 123 1113
+49(0) 89 614 651 - 11
The Bavarian State Commissioner for Data Protection (BayLfD)0981 / 53-1300
+33 01 70395992/+33 01 70395993
BMO Real Estate Partnersenquiries@bmorep.com
Gibraltar Regulatory Authority(+350) 20074636
BMO Financial Group means Bank of Montreal and all of its subsidiaries
Data Subject the person to whom the Personal Data relates. A BMO Financial Group entity established in the EEA determines the purposes and means for which this person’s Personal Data is processed.
Direct Marketing is our communication with you such as mail, telemarketing or email, using your contact information, to inform you about products and services that we think may be of interest and value to you. This does not include communications regarding products or services that you currently have, including improved ways to use the products, or additional features of the products as well as transactional information.
EEA means the European Economic Union
Personal Data is any information relating to an identified or identifiable Data Subject, i.e. one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that individual. For the purposes of this Privacy Code, Personal Data is that which a BMO Financial Group entity established in the EEA processes.
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