Credit Services
Our Privacy Notice for Your Credit Card Account
Keeping customer information secure is a top priority for all of us at Department Stores National Bank ("DSNB"), the bank that issues your credit account. This notice tells you how we collect, handle and disclose personal information about you. If you want to limit our disclosing this information, please see Your Privacy Choices and a toll-free number to contact us in paragraph E of this notice. If you are a joint accountholder, we will accept your privacy choices from either of you and apply it to the entire account. This notice also applies to applicants and former customers as well as current customers unless we state otherwise. This notice replaces all previous notices to you about information-sharing practices on your Account. We may amend this notice at any time, and will inform you of changes as required by law.*
*However, we will not change your privacy elections unless we give you a revised notice.
A. Security of Personal Information
We protect personal information by maintaining physical, electronic, and procedural safeguards that meet or exceed 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.
B. Personal Information We Collect and May Disclose
The personal information we collect about you comes from the following sources:
- Information we receive from you on applications or other forms, such as your name, address, telephone number, date of birth, social security number, and driver's license number,
- Information about your transactions with us, our affiliates or nonaffiliated third parties, such as your account balances, payment history, and account activity,
- Information we receive from a consumer reporting agency, such as your credit bureau reports and other information relating to your creditworthiness, and
- Information we receive about you from other sources, such as your employer, demographic firms, and other third parties.
We may disclose any of the above information that we collect to affiliates and nonaffiliated third parties as described below.
C. Affiliates To Whom We May Disclose Personal Information
Our affiliates are the family of companies controlled by Citigroup Inc. and the family of companies controlled by Macy's, Inc. Affiliates to whom we may disclose personal information about you are in several different businesses, including banking, credit cards, consumer finance, insurance, securities and retail sales of goods and services. Our affiliates include those doing business under the names CitiFinancial, CitiMortgage, Smith Barney, Primerica, Macy's and Bloomingdale's.
D. 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 Inc. and/or Macy's, Inc. 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.
- Non-financial companies, such as companies engaged in direct marketing and the selling of consumer products and services.
- Others, such as non-profit organizations.
If you opt out of information sharing with nonaffiliated companies (Opt-out 1), we will not make these disclosures except as follows. First, we may disclose information about you as described above in "Personal Information We Collect and May Disclose" to third parties that perform marketing or other 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 DSNB credit card account.
E. Your Privacy Choices
This section describes your privacy choices. Please remember that we will continue to protect your personal information regardless of your privacy choices. If you have previously informed us, or the prior issuer of your credit card, of your privacy choices, you do not need to do so again.
If you wish to exercise Opt-out 1 and/or Opt-out 2 as described below, please write to us at P.O. Box 8067, Mason, OH 45040 and include your name, address, telephone number and account number or call toll-free:
Macy's...................1-800-830-3087
Visa® Customers...1-800-668-7196
Disclosing to Nonaffiliated Third Parties (Opt-out 1) - As described in this notice, we will limit the personal information about you that we disclose to nonaffiliated third parties if you exercise Opt-out 1.
Sharing with Citigroup Inc. and Macy's, Inc. Affiliates (Opt-out 2) - We may share with our affiliates all of the information we collect from you. However, if you exercise Opt-out 2, we will not share with our affiliates information we receive from you or third parties used as a factor in determining your creditworthiness (e.g., a credit report), except as permitted by law.
Information for Vermont and California Customers
In response to a Vermont regulation, we will automatically treat accounts with Vermont billing addresses as if you exercised Opt-out 1 and Opt-out 2 without requiring you to call or write to us. And if we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact or identification information, and information about our transactions or experiences with you.
In response to a California law, we will automatically treat accounts with California mailing addresses as if you exercised Opt-out 1 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 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 will need to exercise Opt-out 2 by calling or writing to us as described in paragraph E.
Please allow approximately 30 days from our receipt of your privacy choices for them to become effective.
If you have more than one credit card issued by DSNB, and would like your privacy choices to be applied to those accounts, you must exercise your privacy choices separately for each account. If you are also a customer of other Citigroup Inc. affiliates and you receive a notice of their intent to share information about you, you will need to separately notify them if you do not want them to share such information.
Important Information about Credit Reporting
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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