Frequently Asked Questions: BMO^®† Pre-Approved Credit Card Offers

When you opt in and consent, the AIR MILES® Reward Program will share the first name, last name, address, email address and date of birth you have provided to AIR MILES with Bank of Montreal (“BMO”) so that BMO may present pre-approved BMO credit product offers (“Pre-Approved Offers”) to you if you meet the minimum criteria for those Pre-Approved Offers.

In order for BMO to evaluate whether you meet the requirements for a Pre-Approved Offer, you consent to BMO making a soft inquiry on your credit using your personal information.

Pre-Approved Offers presented to you may vary and may not be presented to everyone. If you don’t meet the minimum criteria established by BMO, you won’t receive a Pre-Approved Offer.

By consenting and opting in to sharing your personal information, you’re giving BMO permission to make a soft inquiry on your credit using the personal information listed above for the purposes of evaluating whether you meet the criteria for BMO Pre-Approved Offers. BMO will use your personal information for this purpose, unless you withdraw your consent. A soft inquiry is a credit report check that is used for BMO’s information purposes only and it does not affect your credit score.

Both BMO and AIR MILES have measures in place to protect your personal information. For information on BMO’s privacy practices and how BMO protects your personal information, please refer to the BMO Privacy Code. For information on AIR MILES privacy practices please read the AIR MILES Privacy Commitment

AIR MILES does not make soft inquiries about you with credit reporting agencies.

A soft inquiry is a credit report check that is used only by BMO to determine whether you meet the criteria for a Pre-Approved Offer, and it does not affect your credit score.

When you opt in and consent, the AIR MILES® Reward Program will share the first name, last name, address, email address and date of birth you have provided to AIR MILES with Bank of Montreal (“BMO”) so that BMO may present pre-approved BMO credit product offers (“Pre-Approved Offers”) to you if you meet the minimum criteria for those Pre-Approved Offers.

If you opt out, BMO will remove your name from Pre-Approved Offers under these Terms. You may continue to receive Pre-Approved Offers while your opt-out is being processed. Also, you may receive other offers from BMO that are unrelated to the Pre-Approved Offers referred to here, and opting out from Pre-Approved Offers won’t affect whether you receive those offers.

AIR MILES will notify BMO to stop any further BMO activities related to BMO Pre-Approved Offers, and BMO will delete the personal information provided to BMO for the purpose of presenting Pre-Approved Offers to you, unless prohibited by law.

Your opt-out will be reflected in your AIR MILES collector profile, and AIR MILES will no longer send personal information listed above to BMO for Pre-Approved Offers, unless prohibited by law.

Withdrawing your consent will not otherwise affect your continued participation in the AIR MILES Reward Program. However, please note, if you opt out, personal information about you held by AIR MILES may still continue to be shared with BMO for purposes described in the AIR MILES Reward Program Privacy Commitment.

If you change your mind and would like to continue receiving Pre-Approved Offers from BMO, rest assured that you can choose to opt in again at any time.