CIBC Digital Business Privacy Policy
Last updated: March 15, 2026
1. Our Commitment to Privacy
Canadian Imperial Bank of Commerce ("CIBC", "we", "our") is committed to protecting the privacy and confidentiality of your personal and business information. This Privacy Policy describes how we collect, use, disclose, and safeguard information through our CIBC Digital Business platform and related services at digitalbusiness.co.com.
This policy is governed by the Personal Information Protection and Electronic Documents Act (PIPEDA), the Privacy Act, and applicable provincial privacy legislation in Canada.
2. Information We Collect
2.1 Information You Provide
When you open an account, apply for a product, or use our services, we may collect: your full name, date of birth, and contact information; business name, registration number, and operating details; financial information including income, assets, and liabilities; identification documents as required by Canadian anti-money laundering regulations; and transaction details related to your use of CIBC products and services.
2.2 Automatically Collected Information
When you visit our website or use CIBC Smart Banking, we automatically collect: device information including browser type, operating system, and screen resolution; IP address and approximate geographic location; pages visited, time spent, and navigation patterns; cookies and similar tracking technologies as described in Section 6.
3. How We Use Your Information
We use the information we collect to: provide, maintain, and improve our banking products and services; process transactions and manage your accounts; assess creditworthiness for lending products; comply with legal and regulatory requirements including Know Your Customer (KYC) and anti-money laundering (AML) obligations; communicate with you about your accounts, products, and services; detect and prevent fraud and unauthorized access; and improve our website, CIBC Smart Banking platform, and overall client experience.
4. Information Sharing and Disclosure
We do not sell your personal information. We may share your information with: CIBC affiliates and subsidiaries for integrated service delivery; service providers who help us operate our business under strict confidentiality agreements; regulatory authorities as required by Canadian law including OSFI, FINTRAC, and the Canada Revenue Agency; credit bureaus for credit reporting and assessment purposes; and other parties with your explicit consent.
5. Data Security
We implement extensive security measures to protect your information including: 256-bit TLS encryption for all data in transit; multi-factor authentication for CIBC Smart Banking access; regular security audits and penetration testing by independent third parties; employee access controls based on the principle of least privilege; physical security at all CIBC data centres and branch locations; and 24/7 security monitoring and incident response capabilities.
6. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to: remember your preferences and settings; analyze website traffic and usage patterns; deliver relevant content and improve your experience; and ensure security and prevent fraud. You can manage cookie preferences through your browser settings. Disabling certain cookies may affect the functionality of our website and CIBC Smart Banking platform.
7. Your Rights
Under Canadian privacy law, you have the right to: access the personal information we hold about you; request correction of inaccurate or incomplete information; withdraw consent for optional uses of your information; file a complaint with our Privacy Officer or the Office of the Privacy Commissioner of Canada. To exercise any of these rights, contact our Privacy Officer using the information in Section 9.
8. Data Retention
We retain your personal and business information for as long as necessary to fulfill the purposes for which it was collected, comply with legal and regulatory obligations, and resolve disputes. When information is no longer required, it is securely destroyed in accordance with our data retention policies.
9. Contact Us
For privacy-related questions or requests, contact our Privacy Officer at:
CIBC Privacy Officer
199 Bay Street
Commerce Court West
Toronto, Ontario M5L 1A2
Email: privacy@cibc.com
Phone: 1-800-465-2422
10. Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you through the CIBC Smart Banking platform or via email. The "Last Updated" date at the top of this page indicates when the most recent revision was published.