When you visit or use any of our websites or mobile apps, or view any of our electronic communications,  we may collect information from your computer(s) and your smartphone(s), tablet(s) or other mobile device(s) (together referred to as "mobile devices"). This information includes:

• The make and model of the computer(s) or mobile device(s) you use to visit, use, view or interact with our Online Services, browser version, hardware and operating system;
• Your Internet Protocol (IP) address and related information, such as your internet service provider and general location and MAC address;
• The precise location of your mobile device(s), if enabled on your device(s) (for example, when you register to receive location-based content, such as the location of the nearest TD store, through our mobile apps);
• Your browsing habits on Online Services provided by us or third parties, such as search terms you entered on our website, what  pages you visit, how long you stay and what actions you take.
• Which of our  online content you view, access or click on; and
• Any actions you take in response to electronic communications that we send to you, such as opening the message or clicking an embedded link.

Our service providers may also collect information about your browsing habits on Online Services offered by third parties and use it for the purposes described below.

Third-party information

We may also collect information about you from additional online and offline sources, including our affiliates,  and other third-party sources as permitted by law.

Association of information

• We may associate the above information from your computer(s) or mobile device(s) through various means, including a unique identifier (such as IP address, customer ID, or visitor ID, unique device identifier and mobile advertising identifier) by using cookies (small data files saved to your browser by websites) and other tracking technologies. When used, these unique identifiers enable us to identify you,  track your activity on our Online Services and to associate your computer(s) and mobile device(s) with one another, for the purposes described in the following section.
• If you are one of our clients, we may associate the above information with your personal TD Bank profile (contact information, and information about your holdings, transactions, demographics and location) and use it for the same purposes.

We may use the information discussed above in a number of ways, to:

Deliver products and services to you, which includes:

Recognizing you when you return to our websites or use our mobile apps (and remembering your login user ID);

• Verifying your identity;
• Processing applications and transactions;
• Using the location of your mobile device(s) for location-based services you request;
• Managing your preferences (such as your language preference) and providing a more personalized experience;
• Facilitating the operation of our websites and mobile apps.
• Providing you with updates on your accounts, products and services;

Prevent and detect fraud and enhance the security of your account and our Online Services;

Conduct market research, reporting and development, including to better understand our clients, website visitors and mobile app users, improve our Online Services, and improve our products and services; and

In other ways as required or permitted by law or with your consent.

Aggregated/anonymized information

We may also aggregate or anonymize information about you (so that it does not identify you individually). This aggregate or anonymized information is not subject to this Code, and we may use it as permitted by law.

How do we share your information?

• We may share personal information about you, and information collected from your computer(s) and mobile device(s) or received from third parties for everyday business purposes, including with:
• Other financial institutions that jointly offer, endorse or sponsor financial products or services with us;
• Other individuals or entities, when we believe that disclosure is necessary to detect, prevent or report suspicious activities, prevent physical harm, financial loss or violations of our agreements and policies;
• Our affiliates or third parties in connection with a corporate transaction, such as a sale of our businesses;
• Regulators and other organizations or individuals who are legally entitled to receive such information.

Aggregated/anonymized information

We may also share aggregated or anonymized information (which does not identify you individually) for various business purposes as permitted by law, for example:

• Third parties to help develop, market and deliver products and services that are better tailored to our customers, website visitors and mobile app users

We may  personalize content through online services offered by us,  by using cookies and other tracking technologies. Specifically, we may show you content on our website based on your current or past use of our website. You can opt-out of receiving personalized content by clicking here.

If you erase cookies from your browser, use a different browser, or reset the ad identifier on your device, you may need to renew your opt-out choice.

We or our advertising partners may use non-cookie technologies to recognize your computer or mobile device and collect and record information about your web surfing activity  on our website. Please keep in mind that your web browser may not permit you to block the use of these non-cookie technologies, and browser settings that block cookies may have no effect on such technologies.

We maintain appropriate physical, electronic and administrative safeguards to protect information collected online.

Third-party sites and services

Our Online Services may contain links to websites and other Online Services operated by third parties which are not governed by this Code. We encourage you to learn about the privacy and security practices of third parties. We are not responsible for the privacy or security of websites and other Online Services operated by third parties, nor the online collection, use, association or sharing of personal or other information by third parties.

Social media

TD Epoch participates in social media platforms, such as Facebook®, Twitter®; and LinkedIn®, which enable online sharing and collaboration among their users. Any information or other content you post on these platforms, such as pictures, opinions or personal information, is subject to the platforms' terms of use and privacy and security policies; please refer to their policies to better understand your rights and obligations with regard to such content.

Protecting children's online privacy

Our Online Services are not intended for children under 13 years of age. We do not knowingly collect personal information from such children, or send them unsolicited promotions, without parental consent.

Visitors residing outside the United States

If you visit, use or interact with our Online Services, information about you and your computer(s) and mobile device(s) may be collected, stored, used and processed in and transferred to, from and within the United States. In such instances, applicable U.S. federal and state laws shall govern. If you are a non-U.S. resident, such laws may not provide the same level of protection as the laws of the country of your residence.