Our Privacy Notice (CitiFinancial)

 

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. 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:

• Information we receive from you, such as your name, address, and telephone number,
• Information about your transactions, such as your account balances, payment history and account activity, and
• Information we receive from consumer reporting agencies and other sources, such as your credit bureau report and your credit score.

 

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 Citi Assurance Services, Inc., Citibank, CitiFinancial Plus, CitiFinancial Retail Services of Puerto Rico, 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:

• Financial services providers, such as companies engaged in banking, credit cards, consumer finance, securities and insurance, and
• Non-financial companies, such as companies engaged in direct marketing and the selling of consumer products and services.

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): Federal law gives you the right to limit some, but not all marketing from our affiliates. You may limit our affiliates from marketing their product 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, such as if you currently do business with one of our affiliates.

 

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. 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.

 

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.

*All references to CitiFinancial refer to Associates International Holdings Corporation

CITIFINANCIAL is a registered service mark of Citigroup Inc.

 

FILL IN PRIVACY CHOICES FORM BELOW, DETACH, AND RETURN 

PRIVACY CHOICES FORM: If you want to limit disclosures of personal information about you or limit marketing offers by our affiliates, 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 using the preaddressed envelope provided to you with this disclosure. Be sure to include account numbers since your privacy choices will be applied only to accounts listed.

 

_  1. Limit the personal information about me that you disclose to nonaffiliated third parties.

_  2. Limit the personal information about me that you share with Citigroup affiliates.

_  3. Limit your Citigroup affiliates from marketing to me using personal information about me that you share.

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 using the preaddressed envelope to:

 

Privacy Choices
CitiFinancial
PO Box 70915
Charlotte, NC 28272-0915 

 

 

 

Our Privacy Notice (CitiFinancial Plus)

 

Our goal is to maintain your trust and confidence when handling personal information about you.

 

You Have Choices: As a CitiFinancial Plus* 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. 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:

• Information we receive from you, such as your name, address, and telephone number,
• Information about your transactions, such as your account balances, payment history and account activity, and
• Information we receive from consumer reporting agencies and other sources, such as your credit bureau report and your credit score.

 

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 Citi Assurance Services, Inc., Citibank, CitiFinancial, CitiFinancial Retail Services of Puerto Rico, 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:

• Financial services providers, such as companies engaged in banking, credit cards, consumer finance, securities and insurance, and
• Non-financial companies, such as companies engaged in direct marketing and the selling of consumer products and services.

 

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): 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, such as if you currently do business with one of our affiliates.

 

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. 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.

 

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.

 

*All references to CitiFinancial Plus refer to CitiFinancial Services of Puerto Rico, Inc.

CITIFINANCIAL is a registered service mark of Citigroup Inc.

FILL IN PRIVACY CHOICES FORM BELOW, DETACH, AND RETURN 

PRIVACY CHOICES FORM: If you want to limit disclosures of personal information about you or limit marketing offers by our affiliates, 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 using the preaddressed envelope provided to you

with this disclosure. Be sure to include account numbers since your privacy choices will be applied only to accounts listed.

 

_  1. Limit the personal information about me that you disclose to nonaffiliated third parties.

_  2. Limit the personal information about me that you share with Citigroup affiliates.

_  3. Limit your Citigroup affiliates from marketing to me using personal information about me that you share

with them.

 

Please provide all of the requested information so that CitiFinancial Plus can correctly administer your request.

 

My CitiFinancial Plus 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 using the preaddressed envelope to:

Privacy Choices
CitiFinancial Plus
PO Box 70915
Charlotte, NC 28272-0915

 

 

Security Statement
This explains our cookies and security policies and provides information regarding server authentication and data encryption.

Cookies
In order to provide better service or to address security hazards, we will occasionally use a "cookie." A cookie is a small piece of information which a Web site stores on your Web browser on your PC and can later retrieve. The cookie cannot be read by a Web site other than the one that set the cookie. We use cookies for a number of administrative purposes; for example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our site. Most cookies last only through a single session, or visit to our site. None will contain information that will enable anyone to contact you via telephone, e-mail, or any other means. You can set up your Web browser to inform you when cookies are set or to prevent cookies from being set.

 

Security Policy
To provide additional assurance of the privacy and security of personal information during Internet transfers, we use the SSL (Secure Sockets Layer) protocol that is built into most Web browsers. In order to apply online, your browser must support SSL protocol. (Keep in mind - most browsers do.)

Server Authentication
Secure Sockets Layer provides a way to verify that you are in fact logging on to our server and not a site that is impersonating our server. Our server sends the public key to your browser program before you log on with us. SSL lets you verify the identity of a server by viewing the site's certificate. A certificate is a way of associating a public key to a name. You can be sure you are logged on to our server by viewing our certificate through your browser program. This can be seen on the first page of the online application or login screen.

 

Data Encryption
Once SSL has authenticated the server, your browser and our server will establish a secret symmetric key. This symmetric key allows your browser and our server to exchange encrypted data and is valid for a single session only. If you log out and later come back to our website, your browser and our server will negotiate a different symmetric key automatically. The symmetric key protects all of your communications with us.