Unendo una tradizione di comprovata esperienza e un approccio commerciale basato sulla collaborazione, BNY Mellon si propone di aiutare i propri clienti ad affrontare con successo le complessità dei mercati internazionali.

Il nostro impegno in Italia

BNY Mellon fornisce servizi a clienti italiani dal 1941. La società ha sede a Milano dai primi anni '70 e negli ultimi tre anni il numero dei dipendenti è più che raddoppiato. In tutti questi anni, abbiamo mantenuto il nostro impegno nell'aiutare i clienti a sviluppare ed espandere le loro attività.

 

CONTATTI IN ITALIA

The Bank of New York Mellon (Luxembourg) S.A. - Filiale italiana

Adriana Pierelli
Country Executive
+39 0287909823

 

BNY Mellon Asset Management International Limited - Filiale di Milano

Marco Palacino
General Manager
+39 028858891

 

 BNY Mellon in Italia oggi:

  • Oltre 100 clienti (tra banche e investitori istituzionali)
  • Due filiali con una trentina di dipendenti complessivi
  • Team di vendita e di relazione con la clientela basati a Milano, Londra e New York
  • Vasta gamma di servizi e prodotti nelle seguenti aree: asset management, asset servicing, corporate trust, depositary receipts, treasury services e broker/dealer services

 


Il nostro impegno in Europa, Medio Oriente e Africa (EMEA)

Forniamo servizi ai clienti in EMEA dai primi anni del 1900. Il nostro impegno in quest'area geografica era e rimane forte: siamo in una posizione ideale per creare partnership con privati, istituzioni finanziarie e investitori istituzionali, assistendoli nel loro accesso ai vari mercati.

BNY Mellon in EMEA oggi:

  • Oltre 9.000 dipendenti
  • Sedi in 28 città di 12 nazioni in Europa e 5 in Medio Oriente e Africa
  • Best Trade Service Provider - Trade & Forfaiting Review, 2011
  • Best Pensions Custodian - Financial News Awards for Excellence in Institutional Client Service, Europe, 2011
  • European Broker-Dealer Custody & Clearing Provider of the Year - ICFA European Awards 2010
  • Fund Administrator of the Year: Ireland - ICFA European Awards 2010
  • Best Transactional Bank for FIs in EMEA - emeafinanceAwards, 2011

 

I Nostri Prodotti E Servizi In Europa, Medio Oriente E Africa

Offriamo ai nostri clienti una gamma diversificata di prodotti e servizi a supporto di tutte le fasi del ciclo di vita di ogni transazione. Conosciamo i mercati locali e assistiamo la nostra clientela nella propria lingua durante gli orari d'ufficio locali.

Per saperne di più sui nostri prodotti e servizi:

Alternative Investment Services

Alternative Investment Services (AIS) è leader nell'amministrazione di fondi alternativi e gestisce asset per oltre 519 miliardi di dollari. Lavorando in stretta collaborazione con i clienti e utilizzando tecnologie d'avanguardia, AIS è in grado di fornire soluzioni operative e amministrative integrate a fondi hedge, fondi di fondi hedge e fondi di private equity localizzati in ogni parte del mondo.

La piattaforma integrata di BNY Mellon gestisce agevolmente qualsiasi requisito amministrativo per ogni tipologia di fondo hedge e offre un pacchetto completo di servizi in grado di semplificare le operazioni amministrative e minimizzare i costi, permettendo alle società gestione di concentrarsi sulla strategia d'investimento senza essere distratti da questioni operative.
I nostri servizi includono:

  •   Fondi Hedge
  •   Fondi di fondi Hedge
  •   Fondi di private equity
  •   Fondi legati a grandi opere infrastrutturali (Project Finance)

 

* Dati aggiornati al 30 settembre 2011

Asset Management

BNY Mellon Asset Management è tra i principali operatori mondiali nel settore del risparmio gestito. Grazie alla nostra profonda esperienza e competenza, siamo in grado di aiutare i nostri clienti a conseguire gli obiettivi prefissati proponendo un'ampia gamma di strategie in ciascuno dei settori e delle asset class principali, tramite i vari canali di distribuzione.

Tra i nostri clienti vi sono alcune delle principali aziende mondiali, enti pubblici e governativi, enti no-profit, fondazioni, fondi comuni e clientela privata (High Net Worth Individuals).

Le nostre società d'investimento sono indipendenti e forniscono un servizio di gestione del risparmio trasparente dal punto di vista dei processi che risponde pienamente alle esigenze dei nostri clienti, per raggiungere performance e risultati eccellenti. Le varie società sono dedicate esclusivamente alla gestione degli investimenti e si differenziano per una propria ed esclusiva filosofia e processo di investimento.

La nostra struttura incoraggia l'adozione di un approccio imprenditoriale e focalizzato, che consente ai nostri gestori di anticipare i trend di mercato ed essere all'avanguardia nella gestione degli investimenti. In tal modo, si crea un ambiente in cui ciascun gestore può operare al meglio e consolidare la propria esperienza personale e le proprie capacità organizzative nell'ambito dello sviluppo di nuovi prodotti, consentendoci di offrire una gamma di competenze e professionalità esclusive in tutte le principali asset class.

BNY Mellon Asset Management highlights*:

  • Oltre 926 miliardi di dollari di asset gestiti
  • Tra le prime 15 società di gestione al mondo
  • Tra le prime 10 società di gestione negli Stati Uniti
  • Tra le prime 5 società di gestione "Tax-Exempt Institutional" negli Stati Uniti
  • 7ª società di gestione in Europa
  • 4° operatore mondiale per asset in gestione per conto di investitori istituzionali secondo Pensions & Investments

I nostri servizi includono:

  • Una serie di boutique che forniscono una gamma completa di servizi di gestione del risparmio

 

*Dati aggiornati al 30 giugno 2009

 

Asset Servicing

BNY Mellon Asset Servicing offre ai propri clienti prodotti, tecnologie e servizi di assoluto livello volti a ottimizzare la gestione, l'amministrazione e il controllo dei processi di investimento. Garantiamo un impareggiabile servizio alla clientela insieme a sistemi tecnologici innovativi e di facile utilizzo che forniscono qualunque tipo di informazione richiesta.

BNY Mellon Asset Servicing highlights:*

  • Performance & Risk Analytics – Tra i principali fornitori mondiali di servizi Performance and Risk Analytics con oltre US$ 9,700 miliardi di asset analizzati
  • Exchange Traded Funds – La prima banca custode statunitense per numero di fondi serviti e la seconda per asset amministrati
  • Prestito Titoli – Leader nel settore prestito titoli in oltre 31 mercati per un controvalore superiore a 2,800 miliardi di dollari con una media giornaliera di operazioni in essere con controvalore pari a 300 miliardi di dollari
  • Hedge Fund Administration – Asset amministrati per oltre 519 miliardi di dollari. I nostri clienti sono fondi hedge, fondi di fondi hedge, fondi di private equity e supportiamo qualunque tipologia di veicolo di investimento
  • Securities Clearance – "La Banca di Riferimento" per il clearing dei titoli di Stato statunitensi, (oltre il 60% del mercato totale)
  • Trustee & Depositary – Oltre 800 miliardi di dollari per società onshore e offshore
  • Servizi di gestione del collaterale – Gestiamo oltre 1,800 miliardi di dollari ogni giorno ed in ogni parte del mondo in operazioni di tri-party

 

I nostri servizi includono:

  • Custodia, contabilità, regolamento, valorizzazione e controllo delle performance sugli investimenti e titoli in portafoglio
  • Creazione e gestione delle linee guida per il controllo della conformità degli investimenti
  • Servizi per i fondi comuni, che includono le operazioni di calcolo NAV su base giornaliera, settimanale e mensile, nel pieno rispetto degli orari operativi locali
  • Prestito Titoli
  • Gestione della liquidità
  • Operazioni in cambi
  • Gestione del collaterale
  • Securities clearance per titoli azionari e governativi americani
  • Servizio di reporting in lingua locale


 

*Dati aggiornati al 30 settembre 2011

Broker-Dealer & Advisory Services

Offriamo a broker/dealer, istituti finanziari, investitori istituzionali e consulenti d'investimento un'ampia gamma di servizi innovativi, supportati da tecnologie d'avanguardia e beneficiando della professionalità di alcuni dei maggiori esperti del settore. In aggiunta, assicuriamo un costante impegno a fornire soluzioni che aiutino i clienti a soddisfare i loro obiettivi finanziari più complessi.

BNY Mellon's Broker-Dealer & Advisor Services highlights:

  • Un volume di operazioni tri-party di oltre 1,800 miliardi di dollari su base giornaliera in tutto il mondo, che comprendono operazioni di pronti contro termine garantiti, prestito titoli e transazioni in derivati
  • Votata al primo posto dai clienti in Europa, Nord America e a livello globale (Global Custodian, 2009 Tri-Party Securities Financing Survey)
  • Leader mondiale come fornitore di servizi tri-party (International Securities Finance 2008 Global Repo Survey)
  • Leader nell'ambito del regolamento titoli — azionari e obbligazionari — in oltre 100 mercati internazionali

I nostri servizi includono:

  • Servizi di regolamento per broker/dealer - Pershing
  • Servizi di Commission Recapture
  • Servizi di Transition Management
  • Securities clearance su scala internazionale

* Dati aggiornati al 30 giugno 2009

Issuer Services

Gli emittenti di titoli azionari e obbligazionari, così come gli intermediari finanziari e gli investitori in tutto il mondo, sono accomunati dalla necessità di disporre di servizi amministrativi all'insegna dell'innovazione e dell'efficienza. Siamo in grado di soddisfare questa esigenza mediante un assortimento completo di "servizi agli emittenti", con il supporto di tecnologie d'avanguardia e di alcuni dei maggiori esperti del settore. Offriamo una gamma di servizi e prodotti più ampia rispetto a qualsiasi altro operatore, fondata sul fermo impegno a fornire soluzioni personalizzate che rispondano alle necessità dei clienti.
 

BNY Mellon Issuer Services highlights:*

  • Depositaria di oltre 2,100 programmi (American and global depositary receipt), in collaborazione con alcune tra le più importanti società localizzate in 67 paesi.
  • Il principale operatore nei servizi di corporate trust, con oltre 11.800 miliardi di dollari amministrati con una rete operativa di 57 uffici presenti in 19 nazioni.

I nostri servizi includono:

Global Corporate Trust Services

BNY Mellon è leader mondiale nei servizi di corporate trust e mette a disposizione della propria clientela un'ampia gamma di soluzioni personalizzate. Siamo attivi in un gran numero di mercati, di asset class e categorie di debito, tra cui emissioni di debito convenzionali, debito strutturato e debito proveniente e supportato da apposite normative quali il Project Finance o finanziamenti importazioni/esportazioni. Oltre alle nostre attività "core" quali Paying Agent e Trustee, offiamo soluzioni di outsourcing per le funzioni di front, middle e back office. La nostra esperienza globale e la rete di professionisti locali, unitamente all'approfondita conoscenza dei singoli mercati e delle loro prassi e regolamenti, ci permettono di offrire ai nostri clienti un servizio completo e una comoda soluzione accessibile negli orari locali.

Depositary Receipts

Offriamo ai nostri clienti una soluzione completa di servizi che spaziano dalla semplice amministrazione dei certificati e supporto promozionale sino all'assistenza mirata sul mercato secondario.

Le grandi aziende usano questi certificati per raccogliere capitali, costruirsi una migliore visibilità sui mercati di tutto il mondo e aumentare il valore delle proprie azioni. Gli investitori internazionali possono servirsi dei Depositary Receipts per diversificare, in modo semplice ed efficace, il proprio portafoglio di investimenti sui mercati globali. La piena collaborazione con gli emittenti, gli investitori e i broker è fondamentale per acquisire una conoscenza più approfondita delle singole esigenze specifiche - un triplice approccio che ci aiuta a creare valore nel processo di emissione e investimento in Depositary Receipts.

 

*Dati aggiornati al 30 giugno 2009

Treasury Services

Treasury Services offre un'ampia gamma di soluzioni di pagamento e di gestione della liquidità attraverso una rete globale di filiali, uffici di rappresentanza e banche corrispondenti. I servizi sono espressamente concepiti per aiutare i nostri clienti a ottimizzare i flussi di cassa, assicurare adeguati livelli di liquidità ed ottimizzare la gestione del rischio. Grazie ai cospicui investimenti in tecnologia, all'impegno verso l'innovazione e alle vaste competenze acquisite, siamo in grado di fornire le soluzioni strategiche necessarie a soddisfare qualunque esigenza di ogni cliente.

BNY Mellon's Treasury Services highlights:*

  • Terzo operatore per pagamenti in dollari, con 163.000 pagamenti al giorno per un controvalore di 1,600 miliardi di dollari
  • Servizi di pagamento in oltre 100 mercati attraverso una rete mondiale di oltre 2,000 banche corrispondenti. Un leader indiscusso nella gestione di pagamenti
  • Tra i principali operatori mondiali in cambi e derivati con attività di market making in oltre 100 valute

I nostri servizi includono:

Servizi di trasferimento di fondi e pagamenti internazionali

  • Global Cash Management e pagamenti multicurrency
  • Soluzioni per la gestione della liquidità
  • Operazioni in cambi
  • Trade finance
  • Strategie di copertura del rischio di cambio

 

*Dati aggiornati al 30 settembre 2011

Wealth Management

Con oltre 225 anni di esperienza nella gestione degli investimenti, nella pianificazione patrimoniale e nel private banking, siamo uno dei primi operatori nel settore Wealth Management negli Stati Uniti. Offriamo strategie personalizzate attentamente studiate per i privati e le famiglie, family office e imprese commerciali, nonché enti di beneficenza, enti no profit e fondazioni. Il nostro servizio è sempre accompagnato dall'eccezionale assistenza e competenza di un team di professionisti di gestione patrimoniale di grande talento.

BNY Mellon Wealth Management highlights:*

  • Fondata nel 1784, è stata la prima Private Bank degli Stati Uniti
  • Una delle prime 10 società di gestione patrimoniale degli Stati Uniti, con oltre 132 miliardi di dollari di asset amministrati
  • Una vasta rete di uffici di wealth management negli Stati Uniti, nel Regno Unito e in Asia


I nostri servizi includono:

  • Gestione degli investimenti
  • Custodia e amministrazione titoli
  • Family office services
  • Servizi fiduciari offshore

 

*Dati aggiornati al 30 giugno 2009

 

La Nostra Storia

BNY Mellon, una storia di successi e un futuro orientato alla crescita nonostante gli alti e i bassi dei mercati finanziari

Da oltre 225 anni BNY Mellon si contraddistingue per le elevate competenze dei propri servizi in ambito finanziario. Fondata nel 1784, poco dopo la nascita della repubblica americana, la sua storia è legata a doppio filo a quella della nazione.

In secoli diversi, due dei suoi leader hanno svolto un ruolo chiave per lo sviluppo del governo e dell'economia americana, contribuendo alla crescita del paese e alla prosperità dei suoi cittadini e delle sue imprese.

Alexander Hamilton, uno dei padri fondatori degli Stati Uniti e stimato avvocato di New York, stese personalmente lo statuto della nuova banca e nei primi anni rimase la persona più attivamente coinvolta nell'organizzazione. La sua visione economica e la sua profonda conoscenza dei principi finanziari resero un grande servizio alla banca. Hamilton diventò in seguito il primo segretario al Tesoro americano della storia, nominato da George Washington, e membro del suo primo gabinetto.

Meno di un secolo più tardi, l'impegno nel promuovere lo sviluppo economico fu portato avanti da Andrew Mellon, la cui disponibilità a finanziare e sostenere imprese giovani e innovative contribuì a lanciare la nuova rivoluzione industriale americana. Andrew Mellon sarebbe poi diventato uno dei principali finanzieri, industriali e filantropi americani. Come Alexander Hamilton, fu nominato segretario al Tesoro statunitense, ricoprendo l'incarico sotto tre Presidenti degli Stati Uniti.

Questa tradizione di anticipare le esigenze delle imprese e concentrarsi sulla gestione dei loro patrimoni si è rivelata vincente per BNY Mellon in oltre 225 anni di storia. Oggi siamo una delle principali imprese al mondo nel campo dell'asset management e dell'asset servicing e le nostre attività e relazioni con la clientela continuano a essere guidate dagli stessi sani principi stabiliti dai nostri fondatori. Sin dalle origini abbiamo fatto nostri i cambiamenti e le sfide a cui devono far fronte i nostri clienti, aiutandoli a farsi strada nella crescente complessità dei mercati finanziari mondiali. E il nostro obbiettivo è di continuare a farlo anche in futuro.

Privacy

Online Privacy Policy

BNY Mellon appreciates your concerns about the privacy of personal information that you provide to us through this Web site. Accordingly, we have posted this policy to explain how we will handle that information.

(Note: Our Online Financial Products and Services, such as BNY Online, CRT and INFORM may have different online privacy policies. To view the privacy policy for a specific Online Financial Product or Service please click on the Privacy link on that site.)

Privacy of Information Given by You

If you do provide personal information about yourself, such as name, address or telephone numbers, we will endeavor to maintain that information in accordance with our internal policies governing use and disclosure of confidential information. We may disclose that information within our corporate enterprise. We may also disclose that information to unaffiliated third parties in order to respond to your inquiries, to provide services to you, to provide you with information concerning products and services that we offer, or to prevent or investigate fraud, illegal activity or misuse of this Web site. We may also disclose that information to unaffiliated third parties for other purposes if we have notified you in advance and you have not objected, you have requested or authorized us to do so, or we are required to do so by law.

Coverage of This Policy

Specific privacy policies apply to non-public personal information concerning consumers of certain products and services that we offer. We make those policies available to our customers in accordance with federal law.

NOTICE TO CALIFORNIA USERS REQUIRED BY STATE LAW: We retain information we receive through this Web site, including information you give us to open an account or purchase a product or service from us, information you give to us in inquiries and other communications, and records of any transactions you perform. We share this information with affiliated and nonaffiliated parties only as necessary to process and service your transactions with us, or as required by law. Such parties may include those who provide services to us in connection with your accounts or transactions, or who are involved in providing you the services you request. In certain instances they might include a purchaser or potential purchaser of an account. We also report information to credit bureaus in appropriate cases. And we share information with government agencies and law enforcement as necessary.

Protection of Social Security Numbers

"We" refers to the family of companies owned by The Bank of New York Mellon Corporation.

Like all financial services companies, we collect a variety of information about individuals, including but not limited to our customers and employees. In many cases that information includes individuals' Social Security numbers. We use records of Social Security numbers for many purposes, especially to comply with federal and state laws such as tax laws and anti-money-laundering laws.

Our policy is (i) to comply with all laws restricting the use and disclosure of Social Security numbers, (ii) to protect the confidentiality of Social Security numbers, (iii) to prohibit the unlawful disclosure of Social Security numbers, and (iv) to limit access to Social Security numbers to our employees, and in certain cases to nonaffiliated parties that provide services to us, based on their responsibilities. To safeguard Social Security numbers, we maintain physical, electronic, and procedural safeguards that are designed to comply with applicable legal standards. Our employees are prohibited from disclosing Social Security numbers for unauthorized purposes.

We may share Social Security numbers among our affiliated companies or with nonaffiliated parties for administrative purposes, such as to process transactions, verify identities, and service accounts. We disclose Social Security numbers as required or permitted by law, such as to the Internal Revenue Service or to credit bureaus. When necessary, we disclose Social Security numbers to regulatory agencies, law enforcement agencies, courts, and parties to lawsuits.

We may share Social Security numbers among our affiliated companies for marketing purposes, but only in compliance with legal restrictions, including required opportunities to opt out of such sharing. We do not, without consent of the individual involved, share Social Security numbers with parties not affiliated with us to enable them to market their own products or services.

Information Collected from Representatives of Institutional Clients

If you work for one of our institutional (business) clients, we may obtain from you or your firm your business contact information, such as your name, title, office address, business phone number and email address. We may use this information for the purpose of conducting business with your firm, managing our relationship with your firm, and advising your firm of products and services that we believe might be of interest. We may (i) share this information with affiliated companies within the BNY Mellon corporate enterprise, (ii) disclose it to service providers that we use to process the information and that have agreed to confidentiality restrictions, and (iii) export this information to the United States and other jurisdictions where we, or our service providers, do business. We may also disclose this information as required by law.

Information Collected Through Cookies and Similar Technologies

An IP address is a unique identifier for a device on the internet. We may use your IP address to diagnose problems with our servers, to understand the geographical location of our visitors and to enhance our Websites.

Third party sites: Our Websites may contain links to third party sites (including social media bookmarking buttons). Please review the Cookie and privacy policies of these sites to understand how they may use Cookies and your information.

For more information please view our Cookie policy.

 

Internet Security

The Internet is one of the most powerful communication tools available, making it possible to share information instantly, any time of the day or night, around the globe.

Criminals have capitalized on the broad power and wide availability of the Internet and electronic mail (e-mail) to defraud unsuspecting people. It is critical that each of us maintain constant vigilance over the way we use the Internet and all forms of electronic communication.

The Bank of New York Mellon maintains active oversight of all of our systems as part of our efforts to protect the security and privacy of client information.

If you have any concerns or questions, please contact your Bank of New York Mellon representative.

The Bank of New York Mellon does not contact its clients or anyone else by e-mail to confirm credit card or financial transactions, or to confirm or request personal account information or any other type of sensitive information.

Protect Yourself


To help protect yourself and your personal data, do not trust any e-mail communications that request your personal information.

Criminals can be convincing. They make their fraudulent e-mails look like they come from legitimate sources. They publish fake Web sites that use designs, information and programming stolen from their rightful owners. Cyber criminals use methods to impersonate you over the phone to arrange funds transfers, or imitate communications from the financial institution to verify transactions, or initiate other changes to your account. Don't fall for their ploys.

 


E-mail and Web Site Scams

E-mail is by far the most popular way for criminals to try to get your attention — and your personal information. An e-mail may direct you to a Web site designed and operated by criminals to trick you into revealing such information. Therefore, treat e-mail from someone you don't know the same way you would treat a telemarketing call from someone you don't know: don't necessarily believe what you're being told.

Fraudulent e-mails and Web sites are created every day to attempt to steal personal information. It's called "phishing" — a variation of the word "fishing." There are limitless variations of these online scams, so the best defense is education and a healthy dose of skepticism. A few misleading and deceptive techniques in use include the following:

  • The e-mail or Web site may appear to be genuine.
  • It may include a logo that appears legitimate.
  • It may ask you to click on a link to go to a Web site — the Web site address may, at first glance, appear legitimate and imply importance.
  • The e-mail or Web site may ask for you to supply account numbers, Social Security numbers, personal identification numbers (PINs), passwords or credit card numbers.
  • The e-mail or Web site may even already contain some of this information and is asking you to confirm the data.
  • You are right to be suspicious of any e-mail or Web site asking you to supply or confirm any personal information.

As technology and one's ability to detect these scams improves, so, unfortunately, do the criminals. The latest attacks do not even require you to do anything. Merely opening the e-mail can launch "hidden" software — a virus, "spyware" or other malicious code — that will download to and reside on your computer. Should they go undetected, any of these programs could compromise your computer in a variety of ways, including stealing private information, redirecting your Web surfing to unscrupulous sites and transmitting information that you type on your computer directly to the criminals. Therefore you should delete all unwanted and potentially fraudulent e-mails without opening them.

Some fraudulent e-mails, spear-phishing attempts for example, can be very well done and very convincing. These are often created by more sophisticated and more determined criminals who are highly motivated to succeed. More generally, however, most fraudulent e-mails and Web sites established for fraud may frequently be characterized by the following:

  • Misspellings and other typographical errors
  • Poor grammar
  • Urgent messages in the e-mail subject line
  • Random characters in the e-mail subject line or body
  • "Fuzzy" logos, or logos that are distorted

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Tricks of the Trade

There are a number of common e-mail scams of which you should be aware. While this list is by no means exhaustive, recent e-mail tricks include:

  • Creating a sense of panic. E-mails threatening loss of account access, loss of credit, foreclosure, etc., are trying to get you to panic enough to lose your common sense and fall for their scam. Don't panic; when in doubt, call your financial institution.
  • Referencing a recent transaction. Vaguely worded e-mails referring to a "recent transaction" that you need to go online and verify, or for which you need to provide additional account information, are also just trying to get you to fall for their scam.
  • Confirming your account information. It's possible that the criminals think they already have your account numbers, password, etc., and all they need is your confirmation. They could have guessed, they could have bought it, they could have stolen it. Don't give them the help they need to use it. Do not respond to confirmation-of-information requests received via an e-mail that you are not expecting or that could possibly be fraudulent. This includes both not responding via e-mail and not visiting a Web site to confirm the information.
  • You're a winner! "Just send money to cover the costs/fees/taxes and you can claim your prize." If you do respond to this solicitation, the thief will have your money as well as your credit or debit card information if you pay online, or your checking account number and bank routing information if you pay by check. A legitimate contest will never make you pay to receive the prize.
  • Your donation is needed. Many criminals act like they are actually charities and request your donations, appealing to your emotions and taking advantage of tragedies and natural disasters. Be careful when making charitable donations. Many legitimate organizations now accept donations online. But exercise caution and only donate via a non-profit organization's Web site directly, or if you are absolutely sure of the company through which you are donating.

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Web Site Spoofing

"Spoofing" is another trick used by criminals. Criminals steal a Web site's code — the technical programming that makes the Web site work — and use it to create a fake Web site that "spoofs" or appears to be the legitimate site.

The difficulty for unsuspecting consumers is that these sites look legitimate. To help protect yourself, be aware of how you're accessing the site.

  • Don't follow a link in an unsolicited e-mail if you have any doubts about the sender (see "phishing", above).
  • Type all Web site addresses carefully, or use Favorites or Bookmarks to store frequently accessed sites — especially financial-related sites. Misspelling, even by one letter, the address of the Web site you are trying to access may send you to an incorrect, possibly fraudulent, Web site.

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Lottery / Sweepstakes Letter Scams

If you receive a letter, accompanied by a check with a The Bank of New York Mellon brand, that claims you have won a lottery, a sweepstakes, have been chosen to be a paid "secret shopper" or a similar variation of a popular contest, be advised that these are scam letters and fraudulent checks. If you contact the sender as requested, you will be instructed to negotiate the check and forward the sender money through a wire transfer or money order. Please do not negotiate these checks, as they are not authentic The Bank of New York Mellon checks. If you receive one of these letters and/or checks, you should report it to your local U.S. Postal Inspection Service.

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Corporate Account Takeover

Corporate account takeovers, once associated mostly with large corporations, have started to target municipalities, smaller businesses, and non-profit organizations. Thousands of businesses, small and large, have reportedly fallen victim to this type of fraud. To obtain access to business financial accounts, cyber criminals often target employees and cause the targeted individual to download and spread malicious software (or "malware") which in turn steals their log-in credentials. Cyber criminals typically will accomplish this by getting you to perform some action such as open an email attachment, accept a fake friend request on a social networking site, visit an already compromised legitimate website, or plug an infected USB drive into your system. All of these can install malware on your computer.

Some recent methods used to trick employees into opening the attachment or clicking on the link, have included making the e-mail appear come from a legitimate business, for example:

  • UPS (e.g., "There has been a problem with your shipment.")
  • Financial institutions (e.g., "There is a problem with your banking account.")
  • Better Business Bureaus (e.g., "A complaint has been filed against you.")
  • Court systems (e.g., "You have been served a subpoena.")

Cyber criminals may try to take advantage of some current event, such as a natural disasters or major sporting events, They may use credentials stolen from company websites or co-workers or executives and design the e-mail to look like it comes from a trusted source.

Once they are able to get you to download their malware, they can easily steal your account login credentials and then be able to electronically steal money from your business accounts through unauthorized wire transfers and ACH payments.

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What You Can Do

Report any problems regarding The Bank of New York Mellon to your customer service representative.

If you should become a victim of identity theft, you can take the following actions to help you protect your personal and financial interests:

Contact your bank and credit card issuers to ensure that:

  • Access to your accounts can be protected
  • All transactions are actually yours
  • Your address information has not been changed
  • Your PINs have not been changed
  • New checks have not been ordered by the identity thief

File a police report with your local police department and provide the facts and circumstances surrounding your loss. Obtain a police report number with the date, time, police department, location and name of the police officer taking the report or involved in the subsequent investigation. Having a police report on file will often facilitate your dealings with insurance companies, banks, credit card agencies, and commercial establishments that may be parties involved in fraudulent transactions. The police report may initiate a law enforcement investigation into the loss with the goal of identifying, arresting, and prosecuting the offender and possibly recovering your lost items. The police report will also help provide immediate clarification should someone assume your identity and be arrested for criminal activity using your name and biographical data.

Contact the three major credit bureaus (listed below) to order copies of your credit report, and to report identity theft.

Equifax
PO Box 105069
Atlanta, GA 30349

To order a credit report: +1 800 685 1111

To report credit fraud: +1 800 525 6285

http://www.equifax.com/
Experian
PO Box 2002
Allen, TX 75013

To order a credit report: +1 888 397 3742

To report credit fraud: +1 888 397 3742

http://www.experian.com/
Trans Union
PO Box 1000
Chester, PA 19022

To order a credit report: +1 800 916 8800

To report credit fraud: +1 800 680 7289

http://www.transunion.com/

By ordering your credit report, you will be able to determine if the identity thief has opened any credit accounts in your name. You can then contact these creditors to let them know that your identity has been stolen, and that the accounts are fraudulent.

When calling to report fraud, request that a statement be placed on your credit report that indicates no further credit is to be granted in your name without first contacting you directly at the telephone number you designate. This is typically called a "Fraud Alert" or "Victim Statement", and will help prevent further accounts from being opened in your name.

Contact the Federal Trade Commission. The FTC maintains the Identity Theft Data Clearinghouse (the federal government's centralized identity theft complaint database), and provides identity theft victims with information. The FTC can be contacted through the following methods:

If you discover that a fraudulent bank account has been set up using your name, report the account information to the following merchant check guarantee firms:

  • Telecheck: +1 800 366 2425
  • National Processing Company: +1 800 526 5380
  • SCAN (Deluxe): +1 800 262 7771
  • CheckRite: +1 800 766 2748
  • CrossCheck: +1 800 552 1900
  • Market Block List: +1 888 567 8688

Report improper use of your Social Security Number to the Social Security Administration (SSA) by contacting the SSA Hotline at +1 800 269 0271.

If your driver's license is stolen, report the theft immediately to your local Department of Motor Vehicles. Ensure that a duplicate license was not issued to the identity thief.

Maintain a log of what happened, what was lost, and all of the steps you took to correct the situation. Remember to record dates, times, phone numbers, people you spoke with, and any relevant reference numbers and information. Correcting an ID theft can be a long and difficult process — do not rely on your memory.

Businesses and Corporate clients should

  • Proactively use account features that may protect their accounts, such as check cashing limitations and automated payment filters.
  • Consider using positive pay features to limit check fraud
  • Consider using debit blocks on disbursement only accounts
  • Reconcile banking transactions on a daily basis
  • Initiate ACH and wire transfer payments under dual control, with a transaction originator and a separate transaction authorizer

Business and personal customers also should employ best practices to secure computer systems in their homes and business including, but not limited to:

  • Utilize strong passwords with at least 10 characters that include a combination of mixed case letters, numbers and special characters
  • Do not share with others usernames and passwords for online banking systems
  • Use a different password for online banking sites than you might use for email and other Internet activities
  • Verify use of a secure session (https not http) in the browser for all online banking
  • Do not "script" usernames and passwords for online banking to allow for automatic logins
  • Install commercial anti-virus, desktop firewall, and intrusion detection software on all computer systems and apply updates regularly
  • Ensure computers are patched regularly particularly operating system and key application with security patches
  • Always activate the screensaver locking feature when you need to leave your computer unattended
  • Limit administrative rights on users' workstations to help prevent the inadvertent downloading of malware or other viruses — create limited user accounts for daily use
  • Where practical, carry out online banking activities from a stand-alone and locked down computer from which e-mail and Web browsing are not possible
  • Never access bank, brokerage or other financial services information from public kiosks such as those found at Internet cafes, public libraries, and airports
  • Educate your staff on this type of fraud scheme
  • Configure routers and firewalls to deny unauthorized access to your computer or network
  • Change the default passwords on all network devices regularly
  • Block pop-ups
  • Keep abreast of the continuous cyber threats that occur
  • Engage IT support staff if staff reports any unexplained changes in the performance or behavior of computers, they experience unexpected system shutdown and restarts, or see new and unexpected toolbars or menu items
  • Make sure your employees know how and to whom to report suspicious activity to within your company and at your financial institution
  • Ensure your contingency plan addresses the need to recover systems suspected of compromise by malware, not just data corruption and catastrophic system/hardware failure
  • Consider whether other company or personal data may have been compromised
  • Contact your financial institution for more information

Immediately notify us of any suspicious transactions, particularly ACH or wire transfers

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E-mail Security

BNY Mellon actively works to protect the privacy and data integrity of sensitive information while it is in our possession and control. In the course of providing services, we may exchange information with clients or their authorized representatives which is sensitive and confidential. In order to protect this information, BNY Mellon requires Highly Confidential Information (HCI), and in some cases other types of sensitive information, to be encrypted when transmitted over an open unsecured network.

BNY Mellon provides two methods of encryption for electronic messages containing HCI sent to external recipients.

  • Enforced Transport Layer Security (ETLS)
  • BNY Mellon Secure Messaging Portal

Enforced Transport Layer Security (ETLS) is the primary and preferred method of encryption for BNY Mellon. This method of encryption allows e-mail to be automatically secured with no additional steps required by the sender and recipient. ETLS requires our external partner organizations to have both an ETLS capable infrastructure and a valid digital certificate for encryption. Once established, this method is the most convenient for all users and provides seamless encryption for e-mail and attachments. ETLS encrypts e-mail message between servers and is designed to protect confidentiality and data integrity and is a widely recognized standard issued by the Internet Engineering Task Force (IETF) for securing transmitted data.

If you have questions about ETLS encryption or to establish an ETLS relationship with your client, please contact the TLS Administration Team.

BNY Mellon Secure Messaging Portal is the alternative secure encryption tool which is utilized when an external partner does not have ETLS capability. The portal encapsulates a message and its attachments into an encrypted message. Once protected, the encrypted message is sent to recipients as an attachment to a plain text email. The recipient uses a self-created, pre-registered password to access the notification and any attachments. This guide provides step by step instructs on how to register and use BNY Mellon's Secure Messaging tool.

Access the BNY Mellon Secure E-Mail User Guide or the BNY Mellon Secure E-Mail Quick Guide for External Partners.

If you have questions about BNY Mellon's Secure Messaging Portal, please contact the Secure Messaging Team.

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When accessing any third-party/external sites that may be linked above, you will leave the BNY Mellon web site. These sites are not controlled or endorsed by BNY Mellon, and BNY Mellon is not responsible for the contents, operation or security of these sites.

 

Legal & Regulatory

Terms of Use

Use and Acceptance

This Web site (the "Site"), and any tools and/or services offered and/or provided by The Bank of New York Mellon Corporation and/or its subsidiaries ("BNY Mellon") through this Site (collectively, the "Services"), are offered to you conditioned upon your acceptance without modification of these Terms of Use. By using this Site or any Services, you agree to these Terms of Use. Please read these Terms of Use carefully. If you do not agree to these Terms of Use, you may not use this Site or any Services offered or provided through this Site.

Modification

We may change these Terms of Use from time to time without notice to you. You should review these Terms of Use each time you use this Site or a Service to make sure you agree to them. By using this Site or Services or engaging in any of the activities described in these Terms of Use after changes have been made to these Terms of Use, you are agreeing to accept and comply with those changes.

Authorized Use; Copyrights and Trademarks

This Site and the Services may contain copyrighted works and trademarks and other proprietary material owned by us or our content providers. You may use the information available from this Site for informational purposes only. You may print copies of pages from this Site for your personal purposes, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear, on the pages copied. The availability of third party data from or through this Site is not to be used as a substitute for a license or services agreement directly with the relevant content provider. Except as stated above, you may not copy, reproduce, publish, post, transmit, display, store, sublicense, transfer or distribute material or images from this Site without our express written permission or that of our content providers, as applicable ("Permission"). You may not modify, alter, revise, paraphrase, omit, or change any material or images on or from this Site without Permission. You may not create derivative works, whether based in whole or in part upon the information on this Site or any portion thereof without Permission. You may not modify, amend, reduce the size of or in any way obscure any warning, notice, liability limitation, or other license provision in material or images on or from this Site. Nothing contained on this Site and/or the Services should be construed as granting, by implication, estoppel or otherwise, any license or right in and to our trademarks or copyrighted material. The information contained in this Site is subject to change without notice.

We reserve the right to prohibit access to anyone whom we determine are violating these Terms of Use, restricting or inhibiting any other user from using or enjoying the Site, or whose conduct we reasonably determine may constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law.

Limited Availability, Eligibility

Not all Services mentioned on this Site may be available in all geographic areas. Your eligibility for particular products or Services is subject to final determination by us and/or the applicable content provider.

Limitation of Liability

BY ACCESSING THIS SITE OR RECEIVING ANY SERVICES, YOU AGREE TO WAIVE ALL CLAIMS AGAINST US AND ALL THIRD PARTY CONTENT PROVIDERS REGARDING THIS SITE, THE INFORMATION PROVIDED ON THIS SITE AND ANY INFORMATION RECEIVED BY YOU AS A RESULT OF USING THE SERVICES, AND ANY USE BY YOU OF SUCH INFORMATION. YOU AGREE THAT UNDER NO CIRCUMSTANCES SHALL WE OR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS SITE OR ITS CONTENTS OR SERVICES BE LIABLE TO YOU FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES OR DAMAGES FOR LOSS OF PROFITS, GOOD WILL, BUSINESS INTERRUPTION, USE, DATA, EQUIPMENT OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) THAT RESULT FROM (1) THE USE OF OR INABILITY TO USE THIS SITE OR ANY SERVICES (2) THE CONSEQUENCES OF ANY DECISION MADE OR ACTION OR NON-ACTION TAKEN BY YOU OR BY ANYONE TO WHOM YOU COMMUNICATE SUCH INFORMATION, OR FOR ANY ERRORS BY YOU IN COMMUNICATING SUCH INFORMATION; (3) THE COST OF SUBSTITUTE SERVICES; OR (4) ANY OTHER MATTER RELATING TO THE CONTENT, SERVICES, OR DISTRIBUTION OF SERVICES THROUGH THIS SITE. WE SHALL NOT BE LIABLE FOR DAMAGE OR INJURY TO PERSONS OR PROPERTY ARISING FROM ANY USE OF ANY PRODUCT, INFORMATION, PROCEDURE, OR SERVICE OBTAINED THROUGH THIS SITE.

OUR ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY FOR ANY DISPUTE OR CLAIM RELATED TO THESE TERMS OF USE, THE SITE, ANY SERVICES, OR THE PRIVACY POLICY IS YOUR CESSATION OF THE USE OF THIS SITE AND ANY AND ALL SERVICES. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH JURISDICTIONS LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

WE CANNOT AND WILL NOT ASSUME ANY LIABILITY FOR UNAUTHORIZED OR FRAUDULENT USE OF THIS SITE AND ANY SERVICES.

Indemnification

YOU AGREE TO INDEMNIFY AND HOLD US AND OUR THIRD PARTY CONTENT PROVIDERS HARMLESS FROM ANY LOSS, INCLUDING REASONABLE ATTORNEYS' FEES, RELATED TO ANY COST, DAMAGES, CLAIM OR EXPENSE RELATED TO ANY CONTENT YOU SUBMIT, POST TO OR TRANSMIT THROUGH THIS SITE.YOUR USE OF THE SITE OR THE SERVICES, YOUR CONNECTION TO THE SITE, YOUR VIOLATION OF THESE TERMS OF USE, OR ANY HARM YOU CAUSE ANOTHER USER.

Disclaimers

SOME OF THE CONTENT ON THIS SITE OR THE SERVICES MAY BE PROVIDED BY THIRD PARTY CONTENT PROVIDERS AND USERS. SEE "SOCIAL MEDIA" BELOW. WE ARE A DISTRIBUTOR AND NOT A PUBLISHER OF SUCH CONTENT AND HAVE NO CONTROL OVER IT. ANY OPINIONS, ADVICE, STATEMENTS, SERVICES, OFFERS OR OTHER INFORMATION GIVEN OR PROVIDED BY THIRD PARTIES (INCLUDING MERCHANTS AND LICENSORS) ARE THOSE OF THE RESPECTIVE AUTHORS OF SUCH CONTENT AND NOT OURS.

ALTHOUGH WE USE REASONABLE EFFORTS TO PROVIDE ACCURATE AND UP-TO-DATE INFORMATION THROUGH THIS SITE, WE AND THE CONTENT PROVIDERS MAKE NO WARRANTIES OR REPRESENTATIONS AS TO THE ACCURACY, RELIABILITY, OR COMPREHENSIVENESS OF CONTENT ON THIS SITE AND ANY SERVICE. THE INFORMATION CONTAINED ON THIS SITE AND ANY SERVICE IS PROVIDED ON AN "AS IS" "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, WITH REGARD TO INFORMATION CONTAINED ON THIS SITE AND ANY SERVICE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE AND THE CONTENT PROVIDERS CANNOT AND DO NOT GUARANTEE OR WARRANT THAT THE FILES AVAILABLE FOR DOWNLOADING FROM THIS SITE AND ANY SERVICE WILL BE FREE FROM INFECTIONS OR VIRUSES, WORMS, TROJAN HORSES, OR OTHER CODE WITH CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU HEREBY AGREE TO RELEASE AND HOLD US HARMLESS FROM ANY AND ALL CLAIMS, LOSSES, EXPENSES OR DAMAGES RELATING TO ANY DISCLAIMED WARRANTY DESCRIBED IN THIS PARAGRAPH.

THE INFORMATION PROVIDED IN ANY SERVICE OR IN THIS SITE IS NOT INVESTMENT OR LEGAL ADVICE. INFORMATION RECEIVED VIA THIS SITE OR THE SERVICES SHOULD NOT BE RELIED UPON FOR PERSONAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION. THE INFORMATION CONTAINED IN THIS SITE, INCLUDING THE INVESTOR RELATIONS SECTION (INCLUDING, WITHOUT LIMITATION, STOCK QUOTES, STOCK CHARTS, AND SEC FILINGS) AND ANY ADDITIONAL CONTENT IS PUBLISHED SOLELY FOR INFORMATION PURPOSES AND IS NOT A SOLICITATION NOR AN OFFER TO BUY OR SELL ANY STOCK, MUTUAL FUND, OR OTHER SECURITY, NOR SHOULD IT BE USED IN CONNECTION WITH ANY SALE, OFFER FOR SALE OR SOLICITATION OF AN OFFER TO BUY SECURITIES OR ANY OTHER INSTRUMENT. SUCH INFORMATION DO NOT ATTEMPT OR CLAIM TO BE A COMPLETE DESCRIPTION OF THE SECURITIES, MARKETS, OR DEVELOPMENTS REFERRED TO IN THE MATERIAL. ALL EXPRESSIONS OF OPINION ARE SUBJECT TO CHANGE WITHOUT NOTICE. SUCH INFORMATION ARE OBTAINED FROM INTERNAL AND EXTERNAL SOURCES WHICH WE CONSIDERS RELIABLE, BUT WE HAVE NOT INDEPENDENTLY VERIFIED SUCH INFORMATION AND WE DO NOT GUARANTEE THAT IT IS ACCURATE OR COMPLETE. WE, OUR EMPLOYEES, AND OFFICERS AND DIRECTORS, MAY FROM TIME TO TIME HAVE POSITIONS IN THE SECURITIES MENTIONED AND MAY SELL OR BUY SUCH SECURITIES. INVESTMENT PRODUCTS ARE NOT BANK DEPOSITS, ARE NOT GUARANTEED OR INSURED BY THE FDIC OR OTHER ENTITY, AND ARE SUBJECT TO INVESTMENT RISKS, INCLUDING LOSS OF THE PRINCIPAL AMOUNT INVESTED.

WE ARE NOT PROVIDING INVESTMENT ADVICE, ACTING AS A FIDUCIARY OR ENDORSING ANY COMPANY, PRODUCTS, SERVICES OR SECURITIES BY PUBLISHING ANY INFORMATION CONTAINED IN THIS SITE. SUCH INFORMATION IS NOT INTENDED FOR TRADING PURPOSES OR FOR ANY PURPOSE OTHER THAN YOUR PERSONAL USE. IN PARTICULAR, STOCK QUOTES APPEARING IN THIS SITE MAY BE DELAYED BY AT LEAST 20 MINUTES. WE MAKE NO REPRESENTATION REGARDING THE ACCURACY OR TIMELINESS OF ANY SUCH INFORMATION AND SHALL HAVE NO LIABILITY FOR INVESTMENT OR OTHER DECISIONS BASED UPON THIS INFORMATION. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND WE DO NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. WE SPECIFICALLY DISCLAIM ANY AND ALL LIABILITY OR LOSS ARISING OUT OF ANY ACTION TAKEN IN RELIANCE ON THIS INFORMATION, INCLUDING MARKET VALUE LOSS ON THE SALE OR PURCHASE OF SECURITIES OR OTHER INSTRUMENTS OR OBLIGATIONS.

SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG IMPLIED WARRANTIES LAST OR THE EXCLUSION OF CERTAIN IMPLIED WARRANTIES, SO THAT THESE DISCLAIMERS AND LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH EVENT, SUCH DISCLAIMERS SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.

Severability

If a court determines that any Term of Use is illegal or unenforceable, then such term will be eliminated and the remaining Terms of Use will remain in force and effect.

Entire Agreement; Jurisdiction And Choice Of Law And Forum

These Terms of Use constitute your entire agreement with us regarding this Site and any Services, and supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written between you and us with respect to the Site or the Services. This Site and/or the Services may not comply with legal requirements of foreign countries, therefore the Site, its contents, and the Services are intended only for access and use by United States residents and are presented solely as a service to visitors and/or subscribers located in the United States of America and its territories. These Terms of Use are governed by and construed in accordance with the laws of the State of New York, without giving effect to any principles of conflicts of law. You expressly and irrevocably agree that exclusive jurisdiction and venue for any claim or dispute with us, our employees, contractors, officers, directors, and content providers or relating in any way to your use of this Site or the Services resides in the state or federal courts in New York City, New York and you further irrevocably agree and expressly and irrevocably consent to the exercise of personal jurisdiction in those courts over any action brought under these Terms of Use. We and you hereby waive the right of trial by jury in any action arising out of or related to the Site, Services or these Terms of Use.

Submissions

You agree to provide true, accurate, current and complete information about yourself when you elect to provide personal information to us. You also agree to maintain and promptly update any such information to keep it accurate. Other than information addressed under our Online Privacy Policy, any and all comments, suggestions, ideas, graphics, or other information that you transmit or post to the Site becomes and will remain our property and may be used by us anywhere, anytime and for any reason whatsoever. Except as may be provided in the Online Privacy Policy, any information or materials submitted to us will be treated as non-confidential and non-proprietary, and we will not have any obligation to use or evaluate any information we receive from you. We will not have to pay you or anyone else for using any ideas or other materials that you may transmit to or post on the Site.

Links To Other Web Sites

This Site provides links to other Web sites that we think might be of interest to our users ("Linked Sites"). Please note that when you click on one of these links, you may be moving to another provider's Web site. These Linked Sites and their providers are not controlled by us, and we are not responsible for the contents or the proper operation of any Linked Site. The inclusion of any link does not imply our endorsement. We encourage you to read the terms of use and privacy statements of these Linked Sites as their policies may differ from ours.

Protecting Your Information

We utilize reasonable security technologies to protect sensitive information. However, the security of this information depends in part on the security of the computer you use to communicate with us, the security you use to protect User IDs and passwords, and the security provided by your internet access services provider. We are not responsible for the security of your internet access services provider; you should review the security and privacy policies of your internet access services provider carefully. Information that you access via this Site may be stored on your computer during your session for your convenience. If others have access to your computer or your User ID and password, they may be able to access this information. In any area of the Site requiring a password, you should log off the Site when you are done viewing information or whenever you leave your computer. We are not responsible for the security or privacy of information communicated to or from such a computer. Finally, you should keep any correspondence you receive relating to this Site or the Services (including, but not limited to, your User ID, passwords, other registration information, emails, order information, or any other information) confidential and in a safe place.

Inspection, Correction, and Removal of Information

We will use reasonable efforts to allow you to review, correct or update the information that you have provided to us at any time. Please note that because of back-up systems and records of deletions, it may not be possible for us to locate and remove from our systems residual information that you have provided to us.

We cannot require third parties to change information that has been disclosed to them with your consent. To modify this information, you will have to go directly to the relevant third party.

BNY Mellon is licensed under the following U,S, Patents: 5,940,510; 5,949,880; 6,105,013; and 6,237,095.
 

 

Social Media

We use a number of unaffiliated social media sites, including Twitter, Facebook, YouTube and LinkedIn to share product and service information, thought leadership material, news, events and career information. A list of these accounts can be found below.

Social Media pages are typically public and can show up in search engines like Google, Yahoo and Bing. Because our social media sites are public and anyone with an account can engage with us, we cannot be responsible for views expressed other than our own.

We reserve the right to prohibit posting on our social media pages, as well as the right to delete or edit any posted content or material for any reason and without notice. Any posting on these pages is subject to our policies of usage, as we may change them from time to time. We prohibit postings about securities products, investment recommendations, investment product performance, and client testimonials. In addition, we prohibit the posting of offensive, derogatory, inflammatory or illegal comments and statements.

We reserve the right to block or remove objectionable content and users if possible, in our sole discretion and without notice. Any delay in removing or failure to remove an objectionable posting should not be deemed an endorsement or approval of the posting, and does not preclude us from taking other steps to address objectionable content, particularly where a social media website restricts us from removing content or blocking users. If a follower forwards our posts and adds comments, such comments are the view and responsibility of the follower, and we expressly disclaim any responsibility over such communication.

These social media websites are established and hosted by third parties, and are governed by their separate website policies, including privacy policies and terms of usage. We are not responsible for their terms of use or privacy policies, or any other third party websites that may be linked to or by their pages. You use these sites at your own risk.

Interacting with BNY Mellon on Social Media Sites

Our social media sites are managed and monitored by BNY Mellon. We are actively watching what people are saying to and about BNY Mellon. However, because of the public nature of the platform, we cannot respond to or engage on all issues.

Never disclose any financial or personal information on any social media site or other website. BNY Mellon will never ask you for your Social Security number, account information, passwords, PINs or other personally identifiable information via social media or email. We are not responsible for the privacy or security practices of the social media sites we utilize. Please review their policies.

In addition, we do not endorse clicking on links posted by other social media users, as these links may pose risks to your computer or take you to inappropriate sites.

If you are a BNY Mellon client with specific questions about an account or investment, please contact your relationship manager directly. If you have any concerns or complaints about our social media websites, you may submit them using our online form.

Links to Third-Party Sites and Mentions

We may occasionally mention a user, tweet, re-tweet or repost links to third-party sites when we think you may find that information useful. However, this does not constitute an endorsement of the individual, site, product or company. See also "Links to Other Websites" above.

Our Social Media Sites

Twitter Pages

Facebook Pages

YouTube Pages

LinkedIn Company Page

When accessing any third-party/external sites that may be linked above, you will leave the BNY Mellon web site. These sites are not controlled or endorsed by BNY Mellon, and BNY Mellon is not responsible for the contents, operation or security of these sites.