Privacy Policy

Facts

What does First Horizon do with your personal information in connection with your Ruby account?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Assets
  • Investment experience
  • Medical information
  • Account transactions
  • Retirement assets
How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons First Horizon chooses to share your personal information concerning your Ruby account; and whether you can limit this sharing.

Reasons we can share your personal information concerning your Ruby account
Does First Horizon share?
Can you limit this sharing?

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes
No

For our marketing purposes – to offer our products and services to you

Yes
No

For joint marketing with other financial companies

No
We Don’t Share

For our affiliates’ everyday business purposes – information about your transactions and experiences

Yes
No

For our affiliates’ everyday business purposes – information about your creditworthiness

No
We Don't Share

For our affiliates to market to you

No
We Don't Share

For our non-affiliates to market to you

No
We Don't Share
Questions?

Use one of the following two options:

Who we are
Who is providing this notice?

First Horizon Bank to its Ruby customers. Other First Horizon accounts and services are covered by a different privacy notice in connection to those accounts and services.

What we do
How does First Horizon protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does First Horizon collect my personal information?

We collect your personal information, for example, when you

  • Open an account
  • Give us your contact information
  • Provide account information
  • Tell us about your investment or retirement portfolio
  • Tell us about your investment or retirement earnings

We also collect your personal information from others, such as affiliates or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

Our affiliates include companies with a First Horizon name; financial companies such as First Horizon Bank; and other such as First Horizon Advisors.

Non-affiliates

First Horizon does not share with non-affiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Other important information

For California Residents: We will not share personal information with affiliates or non-affiliates except as necessary for us to follow the law or as permitted by law.

For Vermont Residents: We will not share personal information with affiliates or non-affiliates to market their products and services to you. We will not use your personal information to market our affiliates’ or non-affiliates’ products or services to you. We may provide your name, contact information, and transaction information to companies that perform marketing services for us.

For Illinois Residents: We do not share personal information for joint marketing with other financial institutions. We do not share your personal information with non-affiliates to market their products or services to you.

For Insurance (Including Annuity) Customers: We do not share information we collect related to any insurance transaction with us with non-affiliates to market to you. Residents of certain states may receive additional information concerning the use and sharing of information we collect related to an insurance transaction with us.

For Nevada Residents: In accordance with Nevada law, you may request to be placed on the internal do not call list for First Horizon. To be placed on this list please call 1-888-718-6741.

Online Privacy Notice: The Online Privacy Notice for Ruby accounts is available at www.rubyforfamilies.com/privacy-policy. The Online Privacy Notice describes how we use and collect information about our website users.

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www.firsthorizon.com