We would like you to understand what personally identifiable information (“personal information”) may be collected through the website that brought you to this notice and how this information may later be used or disclosed:
We do not collect personal information from non-customers other than applicants for our mortgage products.
Additionally, non-customers who receive promotional messages about our products and services may elect to not receive ('opt out') further messages. If you opt out from receiving these messages, we will retain your e-mail address solely for the purposes of facilitating your request.
We collect information about customers through the applications we receive and from other sources. If you are a customer, additional details about the information we collect and how it may be disclosed is contained in Our Privacy Notice, which is provided to you when your mortgage is closed, or shortly thereafter. If you wish to review information provided on online applications, you can contact us to request a copy of the personal account information you provided through our customer service numbers. There may be a charge for certain information that is requested. To protect your privacy, proof of identity or other authentication is required. It may also be possible for customers to review and change contact information such as address, phone and e-mail information by signing on and updating their personal profile.
The personal information we 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 other information relating to your creditworthiness.
We may disclose any of the above information that we collect to affiliates and nonaffiliated third parties, as described below:
- 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, insurance, and securities. Our affiliates include those doing business under the names CitiFinancial, Citibank, Citicorp TrustBank, Smith Barney, and Primerica.
- 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;
- Non-financial companies, such as companies engaged in direct marketing and the selling of consumer products and services; and
- Third parties that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements; and
- Other 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 our records.
If you wish to review personal information provided on online applications, you can contact us to request a copy of the personal account information you provided through our customer service numbers. There may be a charge for certain information that is requested. To protect your privacy, proof of identity or other authentication is required.
Customers may review and change contact information such as address, phone and email information by signing on to their account and updating their personal profile.
In order to provide better service, we may use "cookies", which may be set by another company for us.
You can find out about our products and services, read our corporate reports, check on career opportunities, or use other value-added services without providing us any personal information about yourself.
From time to time, we may change this Internet Privacy Policy. The effective date of this policy, as stated below, indicates the last time this policy was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the policy.
This policy was last modified 07/01/06
Information About Cookies
Cookies facilitate certain features that can make the surfing experience more convenient and valuable for Web users.
A "cookie" is a small piece of information that a web server can store on your web browser. This is useful for having your browser remember some specific information that the web server can later retrieve. As you browse the web, some cookies are "set" on your web browser. When you quit your browser, some cookies are stored in your computer's memory in a cookie file, while some expire, or disappear. All cookies have expiration dates. The cookie is set on a particular browser on a particular computer, so when you use a different computer, the cookie will not exist.
Cookies are used, for example, when a browser stores your password to a particular site so that you do not have to input it every time you visit. Cookies are also used to store preferences you express for information that is then aggregated and presented to you. Instances where cookies are most commonly used include:
Ordering Online
Online ordering systems can use cookies that remember what a person wants to buy. Cookies enable users to keep browsing and adding to their "shopping cart". They can even end a browser session, come back, and still have the same items in their cart from the last session, if they choose to.
Registering Online
If you decide to register for an informational site, such as a newspaper, periodical or an interest group site, or even a chat group or on-line community, so that you can use it on a regular basis, you will likely be asked to supply some information about yourself. Often cookies are used so that you do not have to identify yourself every time you re-enter the site.
Site Personization
Cookies allow users to indicate what types of information they are interested in receiving when they visit a particular site. Users can then view only what they are interested in and not waste time with news or information of no interest to them.
Web Site Tracking
Tracking allows site owners to find out what pages visitors link to, and interpret or infer what is interesting to them. This helps the owners of sites to keep their content fresh and relevant.
Targeted Marketing
Cookies can be used to build a profile of where on a particular site you visit. This information is then used to target advertising that might be of interest to you. Some sites use cookies to "remember" which advertisements were sent to you, so that you do not see the same ones again.
Security
Cookies cannot be used to obtain data from your hard drive, get your e-mail address or steal sensitive or personal information about you. The only way that any private information could be part of your cookie file would be if you personally gave that information to a Web server. Also, each cookie can only be read by the server that set it, so strange servers cannot view or steal the information in a cookie that you have previously accepted.
Note also that computer viruses are not passed through the setting or use of cookies.
If you, as a visitor, want to disallow cookies you can do so on your web browser.