Privacy For Consumers At Citi

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

YOU HAVE CHOICES

As a Citi customer, you have the opportunity to make choices about how personal information about you may be shared. 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.

Online Privacy Policy

Our Online Privacy Policy describes how we may collect, use and share information you provide when you visit this website, receive our emails or interact with advertisements we have on third-party websites.

Our Online Privacy Statement does not cover:

  • Information collected and used on Citi social media sites such as the Citimortgage Blog and new.citi.com
  • Information collected on Bundle.com, an affiliate of Citi
  • Information you provide to the websites we advertise on and may link to


We encourage you to read the privacy policies located on each individual website

  1. What Information Do We Collect?
  2. How Do We Use The Information We Collect?
  3. How Do We Use Information From Our Advertisements On Other Websites?
  4. Can You Control Your Information That’s Collected And Used Online?
  5. Notice Of Changes
  6. Effective Date
  7. Glossary


1. What Information Do We Collect?


We collect two types of online information: non-personal and personal.

Non-Personal Information


When you visit our site, we collect the IP address of the device you use to connect to the Internet. In addition, we gather information such as what browser and which version of it you’re using, the type of operating system you have, and which site you came from. This information helps us provide an online experience that matches your device.

When you browse our site or receive one of our emails, Citi and companies we work with, use cookies and/or pixel tags to collect information and store your online preferences. Cookies are widely used and most browsers are set up to accept them automatically. If you would prefer, you can choose to not accept cookies.

It’s important to note that cookies and pixel tags do not capture any information that can personally identify you. The information they gather helps us improve your online experience and may include:

  • Whether or not you respond to one of our emails
  • Time and duration of your visit to our site
  • Pages you viewed while on our site


We may also supplement the information we collect with information we receive from other companies. For example, we may use marketing segments developed by us or other companies to customize certain services to your local area and provide relevant Citi offers tailored to you.

Personal Information


In addition to the information described in the previous section, we may also gather personal information that you provide to us such as your name, address, phone number, and email. Collecting this personal information enables us to offer you online experiences that help you with your financial needs. For example, we collect personal information when you are:

  • Managing your mortgage online
  • Applying for a new program or mortgage


If you’ve enrolled in Citi services, such as online bill payment, we collect personal information about your transactions, and how you interact with third parties such as those you pay like a utility company or phone company. Collecting this information enables us to provide you these services. You can refer to the terms and conditions for your account or service to learn how your information is collected and used.

If we have personal information from you, or information that’s publicly available from other sources, we may use it in combination with the information that Citi has collected online. We can use this information to better tailor and personalize our service and marketing communications with you, both online and offline.

The personal information you provide online is held by the Citi business that maintains your account or is processing your application for a new product or service. You can access and/or change information in connection with your account or application by logging on to your account online or telephoning customer service.

Please see the Privacy Statement, which we provide to all our customers, for a comprehensive explanation of how we collect, use and share personal information and what you can do to limit the use and sharing of your information.

2. How Do We Use the Information We Collect?


Citi uses the information we collect about and from you to manage our business and to offer an enhanced, personalized online experience on our site and third-party websites.

The information we collect allows us to:

  • Recognize you when you return to our site so we can personalize your experience
  • Process applications and transactions
  • Respond to your requests
  • Provide you relevant product and service offers on our site and in other advertising


3. How Do We Use Information from Our Advertisements on Other Websites?


Companies we work with place and track advertisements on third-party websites.

Like most advertisers, we place advertisements where we think they will be most relevant to customers. We place advertisements by developing and using our own marketing segments that may combine online and offline information about our current and prospective customers. In addition, we may use marketing segments provided by online publishers and network advertising companies.

Network advertising companies that provide these services have their own privacy policies and are not subject to our Online Privacy Policy. Many of these companies provide ways to avoid targeted advertising provided by, or through them.

4. Can You Control Your Information That’s Collected and Used Online?


It’s important to note that the information we use about you helps us provide you with products, services and experiences that benefit you. You have the ability to control how your non-personal information is collected and used online.

Cookies


You can control whether to accept cookies or not. If you decide to not accept cookies, some features and services on our site may not work properly because we may not be able to recognize and associate you with your Citi account(s). In addition, the offers we provide when you visit us may not be as relevant to you or tailored to your interests.

If you would prefer not to accept cookies, you can:

  • Change your browser settings to notify you when you receive a cookie, which lets you choose whether or not to accept it.
  • Set your browser to automatically not accept any cookies.

Targeted Advertising


If you prefer to not receive targeted advertising, you can opt out of some network advertising programs that use your information. To do so, please visit the NAI Opt-Out web site. Please note that even if you choose to remove your information (opt out), you will still see advertisements while you’re browsing online. However the advertisements you see may be less relevant to you and your interests.

Additionally, many network advertising programs allow you to view and manage the interest categories they have compiled from your online browsing activities. These interest categories help determine the types of targeted advertisements you may receive. The NAI Opt-Out web site provides a tool that identifies its member companies that have cookies on your browser and provides links to those companies.

5. Notice Of Changes


From time to time, we may change this Online Privacy Policy. The effective date of this policy, as stated below, indicates the last time it 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..

6. Effective Date


This policy was last modified January 25, 2013.

7. Glossary


  • Companies we work with. These companies are any third-party agents that conduct business on behalf of Citi. The services they provide include, but are not limited to, communications (e.g., email), marketing, data processing, customer acquisition and servicing and advertisement management.

    When we use other companies to provide services for us, we require them to protect the confidentiality of information they receive

  • Cookies. A cookie is a small text file that a web server may place on your computer when you visit a site. The file uniquely identifies a computer. Information stored in a cookie sent by Citi can only be read by Citi or companies we work with.

  • IP Address. An Internet Protocol address is a unique number, assigned to a computer or device that connects to the Internet that identifies that computer or device.

  • Marketing Segments. These are groups of unique individuals or users categorized using information such as behaviors, demographics, attitudes and/or geographic differences.

    Companies can create marketing segments by using technologies like IP addresses to compile, over time, aggregated, non-personal information about how consumers are using the Internet. They consider where users saw and/or clicked on content and advertisements, and use this information to make inferences and predictions about the users’ characteristics, interests and preferences. This information does not identify you personally nor does it report on particular online activities or behaviors.

  • Personal Information. Information such as name, address, telephone number, and email address that identifies a person.

  • Pixel Tag. A pixel tag is a transparent graphic image, sometimes called a web beacon or tracking beacon, placed on a web page or in an email, which indicates that a page or email has been viewed. In addition, a pixel tag may tell your browser to get content from another server.

    The pixel tags on Citi’s sites are set only by companies we work with and supervise. In order to ensure the safekeeping of your information, network advertising companies and publishers are not permitted to directly collect information on our site.

  • Third-party Websites. Sites that are not operated by Citi and are not subject to our Online Privacy Statement. We encourage you to read the privacy policies on these sites.