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Our Privacy Notice Our goal is to maintain your trust and confidence when handling personal information about you. You Have Choices: As a CitiFinancial* customer, you have the opportunity to make choices about how personal information about you may be shared and used. As you consider this, we encourage you to make choices that enable us to provide you with quality products and services that help you meet your financial needs and objectives. Security of Personal Information: The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive. About This Notice: This notice tells you how we collect, handle, and disclose personal information about you and how you can limit this disclosure. It also tells you how you may limit our affiliates from using certain information to market their products or services to you. Please see the Privacy Choices Form at the end of this notice. The privacy choices you make will apply until you tell us to make a change. If you are a joint accountholder, we will accept instructions from either of you and apply them to the entire account. This notice applies to both current and former customers. We may change this notice from time to time. If we do, we will notify you as required by applicable law. Personal Information We Collect And May Disclose: The personal information we may collect about you comes from the following sources:
We may disclose any of the above information that we collect to affiliates and nonaffiliated third parties as described below. The term "personal information", as used in this notice, means information that identifies you personally. We may use information which does not personally identify you to help manage our businesses and to provide us, our affiliates, and other companies insight into consumer spending behavior. We may do this even if you ask us to limit disclosure of personal information about you, as described in the Privacy Choices Form. Affiliates To Whom We May Disclose Personal Information: Our affiliates are the family of companies controlled by Citigroup. Affiliates to whom we may disclose personal information about you are in several different businesses, including banking, credit cards, consumer finance, securities and insurance. Our affiliates include those doing business under the Citi name, such as American Health and Life Insurance Company and Triton Insurance Company of Citi Assurance Services, Inc., Citibank, Citi, CitiMortgage, Primerica, and Citi Smith Barney. Nonaffiliated Third Parties To Whom We May Disclose Personal Information: Nonaffiliated third parties are those not part of the family of companies controlled by Citigroup. We may disclose personal information about you to the following types of nonaffiliated third parties:
If you fill in Box 1 on the Privacy Choices Form, we will not disclose personal information about you to nonaffiliated third parties except as follows. First, we may disclose personal information about you as described above in "Personal Information We Collect And May Disclose" to third parties that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Second, we may disclose personal information about you to third parties as permitted by law, such as disclosures necessary to process and service your account, to protect against fraud, and to protect the security or confidentiality of your records. Your Privacy Choices: This section describes your privacy choices. Please remember that we will continue to protect your personal information about you regardless of your privacy choices. Limit Disclosure to Nonaffiliated Third Parties (Box 1): As described in this notice, we will limit the personal information about you that we disclose to nonaffiliated third parties if you fill in Box 1 on the Privacy Choices Form. Limit Sharing With Citigroup Affiliates (Box 2): Our ability to share information with our affiliates helps us to more easily provide you with quality products and services to meet your financial needs and goals. The law allows us to share with our affiliates any information about our transactions or experiences with you, such as account history, and also your name, address and telephone number. Unless otherwise permitted by law, we will not share with our affiliates other information that you provide to us or that we obtain from third parties (for instance, credit bureaus) if you fill in Box 2 on the Privacy Choices Form. Limit Marketing by Citigroup Affiliates (Box 3): Effective October 1, 2008, federal law gives you the right to limit some, but not all marketing from our affiliates. You may limit our affiliates from marketing their products and services to you based upon personal information about you that we collect and share with them. This information may include your account history with us and your credit score. If you fill in Box 3 on the Privacy Choices Form, we will tell our affiliates to limit their marketing to you based upon the personal information we have collected about you, unless otherwise permitted by law. Please allow approximately 30 days from our receipt of your privacy choices for them to become effective. If you already made any of these privacy choices with us you do not need to make that choice again. Please note that the privacy choice you make in Box 3 will not become effective before October 1, 2008. If you are a customer of other Citigroup affiliates and you receive its privacy notice, you should also review that privacy notice since you may need to separately notify that affiliate of your choices. Information for California Customers: In response to a California law, we will automatically treat accounts with California mailing addresses as if you filled in Box 1 on the Privacy Choices Form and will not disclose personal information about you to nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. To further restrict sharing with affiliates as described in this notice, you can fill in Box 2 and/or Box 3 on the Privacy Choices Form.
Information for Vermont Customers: In response to a Vermont regulation, we will automatically treat accounts with Vermont mailing addresses as if you filled in Box 1, Box 2 and Box 3 on the Privacy Choices Form. If we disclose personal information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information and information about our transactions or experiences with you. ***** Please allow approximately 30 days from our receipt of your privacy choices for them to become effective. If you are also a customer of other Citigroup affiliates and you receive notice of their intent to share certain information about you, you will need to separately notify them if you do not want them to share such information. ***** Texas Consumer Privacy Notice:CitiFinancial is licensed and examined under the laws of the State of Texas and by state law is subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer wishing to file a complaint against CitiFinancial should contact the Office of Consumer Credit Commissioner through one of the means indicated below:
In person or U.S. Mail: *All references to CitiFinancial refer to the subsidiary of CitiFinancial Credit Company which is maintaining your account. These subsidiaries include: CitiFinancial Company, CitiFinancial Consumer Services, CitiFinancial Consumer Services, Inc., CitiFinancial Corporation, CitiFinancial Corporation, LLC, CitiFinancial, Inc., CitiFinancial of Virginia, Inc., and CitiFinancial Services, Inc. CITIFINANCIAL is a registered service mark of Citigroup Inc. Original (Customer) PRIVACY CHOICES FORM: If you want to limit disclosures of personal information about you as described in this notice, just fill in the appropriate box or boxes to indicate your privacy choices and provide all of the requested information. Then, send this form to the address listed below. Be sure to include account numbers since your privacy choices will be applied only to accounts listed. Box Please provide all of the requested information so that CitiFinancial can correctly administer your request. My CitiFinancial account number(s) (list each account): 6 7 __ __ __ __ __ __ __ __ __ __ __ __ __ 6 7 __ __ __ __ __ __ __ __ __ __ __ __ __ Name: ____________________________________________________ Address: __________________________________________________ City, State: ________________________________________________ Zip: _____________________________________________________ If you filled in any of the boxes above, please mail this form to:
Privacy Choices Fair and Accurate Credit Transactions Act Notice: The federal Fair and Accurate Credit Transactions Act of 2003, requires us to provide you the following legal notice: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. |
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