Privacy Policy

Last updated: February 23, 2026

Bank Of Montreal Holdings ("we," "us," or "our") is committed to protecting the privacy and security of the personal information we collect and process. This Privacy Policy describes how we collect, use, disclose, and protect information when you visit and interact with our websites, online services, or other digital properties (collectively, our "Services").

By using our Services, you agree to the collection and use of information in accordance with this policy. We encourage you to read this Privacy Policy carefully to understand our practices regarding your information and how we will treat it.

Information Collected

When you access or use our Services, we may automatically collect certain non-personally identifiable information about your device and your usage patterns. This information helps us to improve our Services and provide a better user experience. The types of information we may collect include:

IP Address: Your Internet Protocol address, which is a unique numerical label assigned to your device when it connects to the internet.
Browser Type: Information about the web browser you are using (e.g., Chrome, Firefox, Safari, Edge).
Operating System: Details about the operating system on your device (e.g., Windows, macOS, Android, iOS).
Pages Visited: The specific pages you view on our Services, the time spent on those pages, and the order in which you visit them.
Referring Source: The website or link that directed you to our Services.
Device Information: Information about the device you use to access our Services, such as hardware model, unique device identifiers, and mobile network information.

While this information is generally non-personally identifiable, it may be combined with other data to identify you under certain circumstances.

Cookies and Similar Technologies

Our Services use "cookies" and similar tracking technologies to enhance your experience, analyze site usage, and support our marketing efforts. Cookies are small data files stored on your device that help us:

Remember your preferences and settings for future visits.
Track and analyze your interactions with our Services to understand how they are being used.
Personalize content and advertising based on your interests.

We use both session cookies (which expire once you close your browser) and persistent cookies (which stay on your device until they are deleted or expire). You have the option to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. However, please be aware that disabling cookies may affect the functionality of our Services.

Third-Party Services

We may employ third-party companies and individuals to facilitate our Services, provide services on our behalf (e.g., analytics, hosting), or assist us in analyzing how our Services are used. These third parties may have access to your information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Our Services may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Advertising

We may partner with third-party advertising networks to display advertising on our Services or to manage our advertising on other sites. Our third-party partners may use cookies and similar technologies to gather information about your activities on our Services and other sites to provide you with targeted advertising based on your interests.

If you wish to opt-out of interest-based advertising, you may do so through your browser settings or by visiting industry-specific opt-out pages provided by organizations such as the Digital Advertising Alliance (DAA) or the Network Advertising Initiative (NAI).

Children's Privacy (Under 13)

Our Services are not intended for children under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If you are a parent or guardian and you believe that your child has provided us with personal information, please contact us immediately. If we become aware that we have collected personal information from a child under the age of 13 without verification of parental consent, we take steps to remove that information from our servers.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top of this policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, please do not hesitate to contact us: