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Last Updated: May 16, 2023
U.S. PRIVACY NOTICE FOR CONSUMERS
Your trust and confidence in how we collect, use, disclose, and retain
information about you is a priority. This U.S. Privacy Notice for Consumers
(Notice) applies to our U.S. websites, our U.S. mobile applications (Citi apps),
e-mail, our branded U.S. social media sites or pages, and other U.S. online,
mobile or retail services that link to or from or expressly reference this
Notice as well as any interactions you may have with our digital advertising
campaigns (collectively, the Sites/Services).
This Notice explains how we collect, disclose, use, and protect information when
you visit or use the Sites/Services. We advise you to read the Notice in its
entirety, including the jurisdiction-specific provisions in the appendix to this
Notice, which will apply to users in certain jurisdictions. Additionally, please
note that Section I of this Notice, which describes our collection and use of
information through our Sites/Services, also serves as our Notice At Collection
for California residents for purposes of the California Consumer Privacy Act
(CCPA), which you can view by clicking here. By using the Sites/Services, you
agree to this Privacy Notice.
As you review this Notice, here are a few important things to keep in mind:
* If you have a financial product or service with us for personal, family or
household use with one of our U.S. businesses, that business would also have
delivered to you a U.S. Customer Privacy Notice (Customer Privacy Notice)
that explains how that business collects, uses and discloses information
about you, and offers you certain choices with respect to the use and sharing
of your personal information.
* This Site is not intended for children under 13 years of age. We do not
knowingly solicit information from, or market to, children under 13 years of
age.
* Wireless service providers, Internet service providers, device manufacturers
and/or social media platforms may have their own privacy notices that are
different from this one for the information they may access through your use
of the Sites. We encourage you to read their privacy notices as the
collection, uses and disclosure of information by those third parties may be
different than Citi.
* Our mobile, social media, or other services, sites, pages or materials may
have additional terms about the privacy or use of your information. Please
review the privacy notice for the specific Site/Service you are using.
Read our full notice with details about your rights here.
1. Ifirst. COLLECTION AND USE OF PERSONAL INFORMATION
2. IIsecond. SOURCES OF PERSONAL INFORMATION
3. IIIthird. DISCLOSURE OF PERSONAL INFORMATION
4. IVfourth. AGGREGATION SERVICES
5. Vfifth. ONLINE ADVERTISING
6. VIsixth. YOUR CHOICES REGARDING YOUR PERSONAL INFORMATION
7. VIIseventh. UPDATING YOUR PERSONAL INFORMATION
8. VIIIeighth. SECURITY OF PERSONAL INFORMATION
9. IXninth. OTHER IMPORTANT INFORMATION
10. Xtenth. CONTACT US
11. XIeleventh. APPENDIX — Jurisdiction Specific Provisions
IFIRST. COLLECTION AND USE OF PERSONAL INFORMATION
We collect two types of information: Personal Information and Other Information.
Personal Information is any information:
* that identifies or can be used to identify you or your household;
* that relates to, describes, is capable of being associated with, or could
reasonably be linked (directly or indirectly) with you or your household;
* that can be used to authenticate you or provide access to an account;
* that relates to you and that might be sensitive (such as personal medical or
health information, account number, account value).
Personal Information includes Protected Health Information (as that is defined
by the U.S. Health Insurance Portability and Accountability Act) and Sensitive
Personal Information (as that is defined by applicable state laws) and Special
Categories of Data (as that is defined by the E.U. General Data Protection
Regulation).
Other Information is information that does not and cannot reveal an individual's
specific identity, such as information that has been de-identified or
aggregated. This Other Information is described in more detail in the Collection
and Use of Information section below.
FOR AT LEAST THE PAST 12 MONTHS, WE HAVE COLLECTED AND USED THE FOLLOWING
CATEGORIES OF PERSONAL INFORMATION FOR THE FOLLOWING BUSINESS OR COMMERCIAL
PURPOSES (DEPENDING ON THE NATURE OF YOUR INTERACTIONS WITH US):
CATEGORY OF PERSONAL INFORMATION
OUR BUSINESS OR COMMERCIAL PURPOSE(S) FOR COLLECTING THIS INFORMATION
PERSONAL IDENTIFIERS, SUCH AS YOUR NAME, ADDRESSES, PHONE NUMBER, E-MAIL, ALIAS,
MOTHER'S MAIDEN NAME, AS WELL AS SOCIAL SECURITY NUMBER, AND INFORMATION THAT
APPEARS ON YOUR DRIVER'S LICENSE, GREEN CARD, NATIONAL ID, STATE ID, OR
PASSPORT/VISA WHICH ARE CONSIDERED SENSITIVE PERSONAL INFORMATION
* Authenticate you so that you can access the Sites/Services and conduct
account transactions on the Sites/Services;
* Reviewing and processing applications for our Services and transactions;
* Processing transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Provide you with account information, as well as information regarding our
branches and branch events;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Tailoring marketing communications from our affiliates as well as from
selected third parties;
* Managing our business effectively;
* Responding to your inquiries, fulfilling requests and requesting your
feedback;
* Developing new products and services;
* Expanding our business activities.
CHARACTERISTICS OF PROTECTED CLASSIFICATIONS, INCLUDING GENDER, RACE, AGE, AND
YOUR CITIZENSHIP AND MILITARY STATUS, ALL OF WHICH ARE CONSIDERED SENSITIVE
PERSONAL INFORMATION.
* Reviewing and processing applications for our Services and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Tailoring marketing communications from our affiliates as well as from
selected third parties;
* Managing our business effectively;
* Developing new products and services;
* Expanding our business activities.
DEMOGRAPHIC INFORMATION, INCLUDING DATE OF BIRTH, INFORMATION FROM A BIRTH
CERTIFICATE OR DEATH CERTIFICATE, AND RELATIONSHIP STATUS.
* Reviewing and processing applications for our Services and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Tailoring marketing communications from our affiliates as well as from
selected third parties;
* Managing our business effectively;
* Developing new products and services;
* Expanding our business activities.
FINANCIAL INFORMATION, INCLUDING TAX ID, BANK ACCOUNT AND/OR PAYMENT CARD
INFORMATION, CREDIT HISTORY, CREDIT SCORE, CREDIT REPORT, ACCOUNT LOG-IN,
FINANCIAL ACCOUNT, DEBIT CARD, OR CREDIT CARD NUMBER IN COMBINATION WITH ANY
REQUIRED SECURITY OR ACCESS CODE, PASSWORD, OR CREDENTIALS ALLOWING ACCESS TO AN
ACCOUNT, ALL OF WHICH ARE CONSIDERED SENSITIVE PERSONAL INFORMATION.
* Authenticate you so that you can access the Sites/Services and conduct
account transactions on the Sites/Services;
* Reviewing and processing applications for our Services and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Tailoring marketing communications from our affiliates as well as from
selected third parties;
* Managing our business effectively;
* Developing new products and services;
* Expanding our business activities.
COMMERCIAL ACCOUNT AND TRANSACTION INFORMATION, INCLUDING YOUR USER ID, ACCOUNT
HOLDER NAME, ACCOUNT PIN AND PASSWORD, SECURITY QUESTION(S) AND WORD(S),
SIGNATURE, ASSETS IN THE ACCOUNT; BANK SWIFT CODE, CREDIT CARD PIN, LOYALTY
PROGRAM INFORMATION (WHEN APPLICABLE), MERCHANT NAME AND CONTACT INFORMATION,
MERCHANT CATEGORY CODE, TRANSACTION DATA/HISTORY, AND LANGUAGE PREFERENCE. YOUR
CREDIT CARD PIN IS CONSIDERED SENSITIVE PERSONAL INFORMATION.
* Authenticate you so that you can access the Sites/Services and conduct
account transactions on the Sites/Services;
* Reviewing and processing applications for our Services and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Tailoring marketing communications from our affiliates as well as from
selected third parties;
* Managing our business effectively;
* Developing new products and services;
* Expanding our business activities.
INTERNET OR OTHER ELECTRONIC NETWORK ACTIVITY INFORMATION, SUCH AS USAGE DATA
THROUGH CITI'S MOBILE APPS (E.G. THE DATE AND TIME THE APP ON YOUR DEVICE
ACCESSES OUR SERVERS AND WHAT INFORMATION AND FILES HAVE BEEN DOWNLOADED TO OR
PRESENTED THROUGH THE APP), INFORMATION COLLECTED THROUGH COOKIES, WEB BEACONS
AND OTHER TECHNOLOGIES (E.G. OPERATING SYSTEM NAME AND VERSION, BROWSER TYPE AND
VERSION), AND AGGREGATED INFORMATION ABOUT YOUR VISITS TO, OR USE OF, OUR
SITES/SERVICES, AS WELL AS ACROSS OTHER SITES, AND VARIOUS ATTRIBUTES ASSOCIATED
WITH YOUR DEVICE (E.G. DEVICE MANUFACTURER AND MODEL, UNIQUE ID ASSIGNED TO YOUR
DEVICE, IP ADDRESS, INSTALLED FONTS, LANGUAGE PREFERENCE AND BROWSER SETTINGS,
AND TIME ZONE IN ORDER TO CREATE A DEVICE FINGERPRINT OR IDENTIFIER SO THAT WE
CAN RECOGNIZE YOUR DEVICE) AND MOBILE CARRIER INFORMATION (E.G. CARRIER NAME,
LINE TYPE, COUNTRY CODE) AND OTHER MOBILE SUBSCRIBER RELATED METADATA. WHILE
THAT INFORMATION ALONE MAY NOT REVEAL YOUR SPECIFIC INDIVIDUAL IDENTITY, WE MAY
ASSOCIATE THIS USAGE AND OTHER INFORMATION WE COLLECT WITH PERSONAL INFORMATION
ABOUT YOU.
* Authenticate you so that you can access the Sites/Services and conduct
account transactions on the Sites/Services;
* Reviewing and processing applications for our Services and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Reviewing statistical information about use of the Sites/Services in order to
improve their design and functionality, to understand how they are used, and
to assist us with resolving questions about the Sites/Services;
* Facilitate social sharing functionality, where appropriate;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Tailoring and sending marketing communications from our affiliates and for
selected third parties;
* Servicing your account and marketing to you, including advertisements and
other communications tailored to you, on our Sites/Services and third-party
sites, as well as offline (please see the Online Advertising section for more
information on our online advertising practices);
* Recognizing you, your device or your browser when you use the Sites/Services
so that we can facilitate navigation, display information more effectively,
store your preferences and otherwise personalize your experience and enhance
the use of the Sites/Services;
* Managing our business effectively;
* Developing new products and services;
* Operating, maintaining, and protecting our Sites/Services;
* Tracking responses to our e-mails and advertisements and measuring the
success of our marketing campaigns;
* Understanding your interests and preferences;
* Expanding our business activities.
GEOLOCATION INFORMATION, INCLUDING PRECISE PHYSICAL LOCATION OF YOUR DEVICE BY
USING SATELLITE, CELL PHONE TOWER, OR WIRELESS LOCAL AREA NETWORK SIGNALS (FOR
EXAMPLE), AS WELL AS THROUGH THE USE OF BEACONS IN OUR BRANCHES. YOUR PRECISE
GEOLOCATION IS CONSIDERED SENSITIVE PERSONAL INFORMATION.
* Reviewing and processing applications for our Services and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Tailoring marketing communications from our affiliates as well as from
selected third parties;
* Managing our business effectively;
* Developing new products and services;
* Expanding our business activities.
We also may use your device's physical location to provide you with personalized
location-based services and content, as well as to understand traffic patterns
in and around our branches. In some instances, you may be permitted to allow or
deny such uses and/or sharing of your device's location, but, if you choose to
deny such uses and/or sharing, we may not be able to provide you with the
applicable personalized services and content. We will collect your precise
physical location only with your consent.
PROFESSIONAL, EMPLOYMENT, AND EDUCATIONAL INFORMATION, INCLUDING INFORMATION
ABOUT YOUR EDUCATION, EMPLOYMENT AND EMPLOYMENT HISTORY, AND PROPERTY, CRIMINAL
OFFENSES, AND DEPENDENT/BENEFICIARY NAME(S).
* Reviewing and processing applications for our Services and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Tailoring marketing communications from our affiliates as well as from
selected third parties;
* Managing our business effectively;
* Developing new products and services;
* Expanding our business activities.
BIOMETRIC INFORMATION, WHICH IS CONSIDERED SENSITIVE PERSONAL INFORMATION.
* Authenticate you so that you can access the Sites/Services and conduct
account transactions on the Sites/Services;
* Reviewing and processing applications for our Service and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Managing our business effectively;
* Developing new products and services;
* Expanding our business activities.
AUDIO AND VISUAL INFORMATION, INCLUDING YOUR PHOTO (WHEN PROVIDED), IMAGE
DOCUMENTATION, AND YOUR VOICE RECORDINGS (WHEN PROVIDED).
* Reviewing and processing applications for our Service and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Managing our business effectively;
* Developing new products and services;
* Expanding our business activities.
INFERENCES, DRAWN FROM ANY OF THE INFORMATION ABOVE TO CREATE A PROFILE ABOUT
YOU THAT MAY REFLECT, FOR EXAMPLE, YOUR PREFERENCES, CHARACTERISTICS, AND
BEHAVIOR.
* Providing customer service and support;
* Improving our products and Sites/Services;
* Performing research and business analytics;
* Tailoring marketing communications from our affiliates as well as from
selected third parties;
* Expanding our business activities.
For more information, please see the Online Advertising below.
FOR AT LEAST THE PAST 12 MONTHS, WE HAVE COLLECTED AND USED THE FOLLOWING
CATEGORIES OF PERSONAL INFORMATION FOR THE FOLLOWING BUSINESS OR COMMERCIAL
PURPOSES (DEPENDING ON THE NATURE OF YOUR INTERACTIONS WITH US):
CATEGORY OF PERSONAL INFORMATION
OUR BUSINESS OR COMMERCIAL PURPOSE(S) FOR COLLECTING THIS INFORMATION
PERSONAL IDENTIFIERS, SUCH AS YOUR NAME, ADDRESSES, PHONE NUMBER, E-MAIL, ALIAS,
MOTHER'S MAIDEN NAME, AS WELL AS SOCIAL SECURITY NUMBER, AND INFORMATION THAT
APPEARS ON YOUR DRIVER'S LICENSE, GREEN CARD, NATIONAL ID, STATE ID, OR
PASSPORT/VISA WHICH ARE CONSIDERED SENSITIVE PERSONAL INFORMATION
* Authenticate you so that you can access the Sites/Services and conduct
account transactions on the Sites/Services;
* Reviewing and processing applications for our Services and transactions;
* Processing transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Provide you with account information, as well as information regarding our
branches and branch events;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Tailoring marketing communications from our affiliates as well as from
selected third parties;
* Managing our business effectively;
* Responding to your inquiries, fulfilling requests and requesting your
feedback;
* Developing new products and services;
* Expanding our business activities.
CHARACTERISTICS OF PROTECTED CLASSIFICATIONS, INCLUDING GENDER, RACE, AGE, AND
YOUR CITIZENSHIP AND MILITARY STATUS, ALL OF WHICH ARE CONSIDERED SENSITIVE
PERSONAL INFORMATION.
* Reviewing and processing applications for our Services and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Tailoring marketing communications from our affiliates as well as from
selected third parties;
* Managing our business effectively;
* Developing new products and services;
* Expanding our business activities.
DEMOGRAPHIC INFORMATION, INCLUDING DATE OF BIRTH, INFORMATION FROM A BIRTH
CERTIFICATE OR DEATH CERTIFICATE, AND RELATIONSHIP STATUS.
* Reviewing and processing applications for our Services and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Tailoring marketing communications from our affiliates as well as from
selected third parties;
* Managing our business effectively;
* Developing new products and services;
* Expanding our business activities.
FINANCIAL INFORMATION, INCLUDING TAX ID, BANK ACCOUNT AND/OR PAYMENT CARD
INFORMATION, CREDIT HISTORY, CREDIT SCORE, CREDIT REPORT, ACCOUNT LOG-IN,
FINANCIAL ACCOUNT, DEBIT CARD, OR CREDIT CARD NUMBER IN COMBINATION WITH ANY
REQUIRED SECURITY OR ACCESS CODE, PASSWORD, OR CREDENTIALS ALLOWING ACCESS TO AN
ACCOUNT, ALL OF WHICH ARE CONSIDERED SENSITIVE PERSONAL INFORMATION.
* Authenticate you so that you can access the Sites/Services and conduct
account transactions on the Sites/Services;
* Reviewing and processing applications for our Services and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Tailoring marketing communications from our affiliates as well as from
selected third parties;
* Managing our business effectively;
* Developing new products and services;
* Expanding our business activities.
COMMERCIAL ACCOUNT AND TRANSACTION INFORMATION, INCLUDING YOUR USER ID, ACCOUNT
HOLDER NAME, ACCOUNT PIN AND PASSWORD, SECURITY QUESTION(S) AND WORD(S),
SIGNATURE, ASSETS IN THE ACCOUNT; BANK SWIFT CODE, CREDIT CARD PIN, LOYALTY
PROGRAM INFORMATION (WHEN APPLICABLE), MERCHANT NAME AND CONTACT INFORMATION,
MERCHANT CATEGORY CODE, TRANSACTION DATA/HISTORY, AND LANGUAGE PREFERENCE. YOUR
CREDIT CARD PIN IS CONSIDERED SENSITIVE PERSONAL INFORMATION.
* Authenticate you so that you can access the Sites/Services and conduct
account transactions on the Sites/Services;
* Reviewing and processing applications for our Services and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Tailoring marketing communications from our affiliates as well as from
selected third parties;
* Managing our business effectively;
* Developing new products and services;
* Expanding our business activities.
INTERNET OR OTHER ELECTRONIC NETWORK ACTIVITY INFORMATION, SUCH AS USAGE DATA
THROUGH CITI'S MOBILE APPS (E.G. THE DATE AND TIME THE APP ON YOUR DEVICE
ACCESSES OUR SERVERS AND WHAT INFORMATION AND FILES HAVE BEEN DOWNLOADED TO OR
PRESENTED THROUGH THE APP), INFORMATION COLLECTED THROUGH COOKIES, WEB BEACONS
AND OTHER TECHNOLOGIES (E.G. OPERATING SYSTEM NAME AND VERSION, BROWSER TYPE AND
VERSION), AND AGGREGATED INFORMATION ABOUT YOUR VISITS TO, OR USE OF, OUR
SITES/SERVICES, AS WELL AS ACROSS OTHER SITES, AND VARIOUS ATTRIBUTES ASSOCIATED
WITH YOUR DEVICE (E.G. DEVICE MANUFACTURER AND MODEL, UNIQUE ID ASSIGNED TO YOUR
DEVICE, IP ADDRESS, INSTALLED FONTS, LANGUAGE PREFERENCE AND BROWSER SETTINGS,
AND TIME ZONE IN ORDER TO CREATE A DEVICE FINGERPRINT OR IDENTIFIER SO THAT WE
CAN RECOGNIZE YOUR DEVICE) AND MOBILE CARRIER INFORMATION (E.G. CARRIER NAME,
LINE TYPE, COUNTRY CODE) AND OTHER MOBILE SUBSCRIBER RELATED METADATA. WHILE
THAT INFORMATION ALONE MAY NOT REVEAL YOUR SPECIFIC INDIVIDUAL IDENTITY, WE MAY
ASSOCIATE THIS USAGE AND OTHER INFORMATION WE COLLECT WITH PERSONAL INFORMATION
ABOUT YOU.
* Authenticate you so that you can access the Sites/Services and conduct
account transactions on the Sites/Services;
* Reviewing and processing applications for our Services and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Reviewing statistical information about use of the Sites/Services in order to
improve their design and functionality, to understand how they are used, and
to assist us with resolving questions about the Sites/Services;
* Facilitate social sharing functionality, where appropriate;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Tailoring and sending marketing communications from our affiliates and for
selected third parties;
* Servicing your account and marketing to you, including advertisements and
other communications tailored to you, on our Sites/Services and third-party
sites, as well as offline (please see the Online Advertising section for more
information on our online advertising practices);
* Recognizing you, your device or your browser when you use the Sites/Services
so that we can facilitate navigation, display information more effectively,
store your preferences and otherwise personalize your experience and enhance
the use of the Sites/Services;
* Managing our business effectively;
* Developing new products and services;
* Operating, maintaining, and protecting our Sites/Services;
* Tracking responses to our e-mails and advertisements and measuring the
success of our marketing campaigns;
* Understanding your interests and preferences;
* Expanding our business activities.
GEOLOCATION INFORMATION, INCLUDING PRECISE PHYSICAL LOCATION OF YOUR DEVICE BY
USING SATELLITE, CELL PHONE TOWER, OR WIRELESS LOCAL AREA NETWORK SIGNALS (FOR
EXAMPLE), AS WELL AS THROUGH THE USE OF BEACONS IN OUR BRANCHES. YOUR PRECISE
GEOLOCATION IS CONSIDERED SENSITIVE PERSONAL INFORMATION.
* Reviewing and processing applications for our Services and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Tailoring marketing communications from our affiliates as well as from
selected third parties;
* Managing our business effectively;
* Developing new products and services;
* Expanding our business activities.
We also may use your device's physical location to provide you with personalized
location-based services and content, as well as to understand traffic patterns
in and around our branches. In some instances, you may be permitted to allow or
deny such uses and/or sharing of your device's location, but, if you choose to
deny such uses and/or sharing, we may not be able to provide you with the
applicable personalized services and content. We will collect your precise
physical location only with your consent.
PROFESSIONAL, EMPLOYMENT, AND EDUCATIONAL INFORMATION, INCLUDING INFORMATION
ABOUT YOUR EDUCATION, EMPLOYMENT AND EMPLOYMENT HISTORY, AND PROPERTY, CRIMINAL
OFFENSES, AND DEPENDENT/BENEFICIARY NAME(S).
* Reviewing and processing applications for our Services and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Tailoring marketing communications from our affiliates as well as from
selected third parties;
* Managing our business effectively;
* Developing new products and services;
* Expanding our business activities.
BIOMETRIC INFORMATION, WHICH IS CONSIDERED SENSITIVE PERSONAL INFORMATION.
* Authenticate you so that you can access the Sites/Services and conduct
account transactions on the Sites/Services;
* Reviewing and processing applications for our Service and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Managing our business effectively;
* Developing new products and services;
* Expanding our business activities.
AUDIO AND VISUAL INFORMATION, INCLUDING YOUR PHOTO (WHEN PROVIDED), IMAGE
DOCUMENTATION, AND YOUR VOICE RECORDINGS (WHEN PROVIDED).
* Reviewing and processing applications for our Service and transactions;
* Intake of new customers;
* Account maintenance and servicing;
* Ensure that the Sites/Services function properly and otherwise administer the
Sites/Services;
* Providing customer service;
* Improving our products and Sites/Services;
* Performing research and business analytics, and identifying usage trends;
* Engaging in fraud monitoring and prevention;
* Compliance with applicable laws and regulations;
* Protecting our business and our customers against illegal activity;
* Performing audits;
* Verifying requests made pursuant to this Notice;
* Managing our business effectively;
* Developing new products and services;
* Expanding our business activities.
INFERENCES, DRAWN FROM ANY OF THE INFORMATION ABOVE TO CREATE A PROFILE ABOUT
YOU THAT MAY REFLECT, FOR EXAMPLE, YOUR PREFERENCES, CHARACTERISTICS, AND
BEHAVIOR.
* Providing customer service and support;
* Improving our products and Sites/Services;
* Performing research and business analytics;
* Tailoring marketing communications from our affiliates as well as from
selected third parties;
* Expanding our business activities.
For more information, please see the Online Advertising below.
--------------------------------------------------------------------------------
In addition to Personal Information you provide directly to us, we may collect
Other Information about you, including acquiring and using services provided by
other parties who collect and analyze customer data. In some instances, we may
combine Other Information with Personal Information where permissible by law and
applicable industry guidelines.
We will retain your information for as long as reasonably necessary for the
purposes described above.
We may sell or share Personal Identifiers, Characteristics of Protected
Classifications, Demographic Information, Financial Information, Commercial
Account and Transaction Information, Internet or other Electronic Network
Activity Information, Geolocation Information, Professional, Employment, and
Educational Information, and Inferences to trusted third parties in limited
circumstances.
We do not use any Sensitive Personal Information for any purpose outside of the
purpose for which it was shared with us.
If you are a California resident, please see supplemental provisions in the
Appendix of this Notice for information about your rights as a consumer under
the CCPA.
IISECOND. SOURCES OF PERSONAL INFORMATION
We collect and obtain information from:
You. We collect information directly from you through the Sites/Services,
through your use of our Citi apps, and through your use of Services offered at
retail locations or other Citi locations. For example, we collect information if
you contact us or sign up for our e-mails. We collect information to process
your applications and transactions.
Service Providers. We work with service providers who collect information on our
behalf in order to provide services to us. We only allow our service providers
to collect and use your personal information in connection with the services
they provide us.
Third-Party Advertisers. We work with companies that help us deliver, measure,
and analyze the effectiveness of our ads. These companies collect information
about you when you interact with ads on our platforms and on the websites where
our ads are displayed.
Third-Party Sources. We may collect information about you from certain
third-party sources, including, for example, financial institutions and
government sources. This helps us with engaging in fraud monitoring and
prevention, compliance with applicable laws and regulations; reviewing and
processing applications for our Services, intake of new customers, managing our
business effectively, and account maintenance and servicing.
Third-Party Partners. We may collect information about you through your use of
the Services and share it with other third-party sources, such as travel agents,
travel partners (such as airlines and travel and hospitality providers) so they
can provide services to you.
Cookies and Similar Technologies. We may use cookies, web beacons/pixel tags,
log files, and other technologies to collect certain information about visitors
to our Website, use of our online features, and interactions with our e–mails
and online advertisements. For example, through these means, we may collect your
browser type and operating system, viewed web pages, links that are clicked, IP
address, sites visited before coming to our Website, e–mails we send that you
open or forward or click through to our Website. Collecting the foregoing
information, and linking it with other information that you may provide, helps
us to best tailor our Website to you and enhance your online experience by
saving your preferences while you are visiting a particular page, and to help
identify Website features and offers that may be of particular interest to you.
Can You Opt Out? Visit the Your Choices Regarding Your Personal Information
section below for more information on how to opt out from tracking technologies.
IIITHIRD. DISCLOSURE OF PERSONAL INFORMATION
During at least the past 12 months, we have disclosed your Personal Information
for the following business or commercial purposes:
* All categories of Personal Information listed above to our affiliates to the
extent permissible under applicable law;
* Personal Identifiers, Characteristics of Protected Classifications,
Demographic Information, Financial Information, Commercial Account and
Transaction Information, Internet or other Electronic Network Activity
Information, Biometric Information, Audio and Visual Information, and
Inferences to third parties, for a business purpose, as detailed in the
Notice at Collection section above;
* All categories of Personal Information listed above to our service providers,
who provide services such as sending you marketing communications on our
behalf, website hosting, data analysis, information technology and related
infrastructure provision, customer service, processing your transactions,
e-mail delivery, auditing, and other services; and
* All categories of Personal Information listed above may be disclosed to a
third party in the event of any proposed reorganization, merger, sale, joint
venture, assignment, transfer, or other disposition of all or any portion of
our business, assets, or stock (including in connection with any bankruptcy
or similar proceedings).
During at least the past 12 months, we have sold or shared the following for
business or commercial purposes:
* Personal Identifiers, Characteristics of Protected Classifications,
Demographic Information, Financial Information, Commercial Account and
Transaction Information, Internet or other Electronic Network Activity
Information, Geolocation Information, Professional, Employment, and
Educational Information, and Inferences with select third party advertising
partners to allow them to provide custom advertising to you.
We also may use and disclose your Personal Information as we believe to be
necessary or appropriate: (a) under applicable law, which may include laws
outside your country of residence; (b) to respond to requests from courts, law
enforcement agencies, regulatory agencies, and other public and government
authorities, which may include such authorities outside your country of
residence; (c) to enforce our terms and conditions; and (d) to protect our
rights, privacy, safety, or property, and/or that of our affiliates, you, or
others.
Where appropriate, we will limit disclosure of your Personal Information in
accordance with the choices you have provided us in response to our Customer
Privacy Notice(s) or other privacy choices that we may make available.
We may provide de-identified and aggregated information to our affiliates and
third parties to help deliver products, services, and content that are tailored
to the users of our Sites/Services and for other business purposes.
We may transfer information to Citi affiliated companies or other parties
throughout the world to process transactions and provide you with products and
services. Regardless of where we process your information, we still treat it in
accordance with this Notice and applicable law.
IVFOURTH. AGGREGATION SERVICES
Citi, like many similar companies, offers account aggregation services that
allow you to consolidate your electronically enabled financial account
information from different sources (such as your accounts with us or with other
financial institutions) so that you can view all your account information in one
online location.
When acting as an account aggregator, Citi or its aggregation service provider
may request your account user credentials for third-party (non-Citi) financial
accounts, including usernames and passwords, in order to access your account
information as your agent.
If you provide us access, as your agent, to your third-party account information
we may use such information as well as your Citi account information where
applicable, to provide you offers, suggestions and insights on your spending,
savings and other financial behaviors. These insights are not investment, tax or
legal advice and neither Citibank not any of its affiliates are acting as a tax,
legal or investment advisor in providing same. With your consent, subject to
written agreement, Citigroup Personal Wealth Management or other Citigroup
businesses may currently or in the future provide investment advisory or other
investment services based on online access to your investment account and other
financial information.
You may cancel enrollment in Citi's aggregation service or delete accounts at
any time. Upon cancellation or deletion of an account, we will delete and direct
our service provider to delete this data from our and their respective records
as permitted under applicable law, rules and regulations.
With regard to aggregation services provided by a third-party, if you provide
your user credentials or other Personal Information about your Citi accounts to
a third-party aggregation services provider, we will consider that you have
authorized all transactions or actions initiated by such access information you
provide, whether or not you were aware of a specific transaction or action. If
you decide to revoke the authority you have given to an aggregation website, we
strongly recommend that you change your password for Citi Online to ensure that
the aggregation website cannot continue to access your account information.
VFIFTH. ONLINE ADVERTISING
We may, directly or through third parties, serve ads regarding products and
services intended to be of interest to you on the Site and on third party sites
or apps. We and others may use the online technologies described in the
Collection and Use of Information section above to make inferences and
predictions about your characteristics, interests and preferences based on your
online interests and activities across other sites. We may also use technologies
to associate and recognize your various mobile and desktop devices in order to
deliver ads and other content in a consistent manner across the devices you use.
Information we collect using the technologies described above may also be
associated or linked with Personal Information, such as email or postal address,
you provided directly to us or others. Alternatively, Personal Information may
also be linked with characteristics or attributes about you, such as lifestyle
interests, in support of our marketing efforts. If you opt out of interest based
advertising, as described in the Your Choices Regarding Your Personal
Information section below, you will not receive such customized ads on the Site
or in other places.
VISIXTH. YOUR CHOICES REGARDING YOUR PERSONAL INFORMATION
You have certain rights with regard to your Personal Information.
A. YOUR CALIFORNIA PRIVACY RIGHTS
If you are a California resident, you have the right to request and receive
certain information about disclosure of your Personal Information to third
parties for their direct marketing purposes. Because it is our policy not to
share your Personal Information with third parties for third-party direct
marketing purposes without your consent, we are exempt from the requirement to
respond to such requests. If you have any questions related to our policy,
please contact us using the information provided in the Contact Us section
below.
For information regarding how to exercise your rights as a consumer under the
California Consumer Privacy Act, please see supplemental provisions for
California residents in the Appendix to this Notice.
B. MARKETING E-MAILS
To stop receiving our promotional e-mails, you can follow the instructions in
any promotional message you get from us. Even if you opt out of getting
marketing messages, we will still send you transactional messages.
C. COOKIES AND INTEREST-BASED ADVERTISING
Both the Network Advertising Initiative and the Digital Advertising Alliance (to
whose principles we adhere) provide information about and technologies to
opt-out of receiving some or all interest based advertising. You can also
opt-out of interest based advertising by clicking on the appropriate icon within
an interest based ad which will take you to tools to help you manage these
choices. These technologies are browser and device specific, they must be
adopted on each device you use. If you block or clear cookies, these
technologies may not work. You will continue to see ads on the Site which
reflect how you use the Site and our Services.
If you would prefer not to receive interest-based advertising, you can opt-out
of this activity at the DAA website by visiting
http://www.aboutads.info/choices/(for U.S. residents) and/or the NAI website by
visiting http://optout.networkadvertising.org/?c=1.
You can choose whether to accept cookies through your browser settings (check
the Help file). For example, most browsers allow you to automatically decline
cookies or decline or accept a particular cookie (or cookies) from a particular
site when browsing. If you decide not to accept cookies, some features of the
Site may not work properly because we may not be able to recognize your device
and associate you with your Citi account(s). In addition, the offers or content
we provide when you visit our site or on third-party sites may not be as
relevant to you or tailored to your interests.
D. DO NOT TRACK
Some browsers have a Do Not Track feature that lets you tell websites that you
do not want to have your online activities tracked. At this time, we do respond
to browser do not track signals.
VIISEVENTH. UPDATING YOUR PERSONAL INFORMATION
Keeping your account information accurate and up to date is very important. If
your account information is incomplete, inaccurate or not current, please use
the Contact Us option on our Site, or call or write to us at the telephone
numbers or appropriate address for changes listed on your account statements,
records, online or other account materials. You can also speak to a branch
representative, your financial advisor or your designated account
representative.
VIIIEIGHTH. SECURITY OF PERSONAL INFORMATION
The security of your Personal Information is a priority. We seek to protect this
information by implementing and maintaining reasonable physical, electronic, and
procedural security measures and safeguards designed to protect Personal
Information within our organization. We provide employee training in the proper
handling of Personal Information. Unfortunately, no data transmission over the
Internet or wireless network or data storage system can be guaranteed to be 100%
secure. If you have reason to believe that your interaction with us is no longer
secure (for example, if you feel that the security of any account you might have
with us has been compromised), please immediately contact us in accordance with
the Contact Us section below.
IXNINTH. OTHER IMPORTANT INFORMATION
A. NOTICE OF CHANGES
We may change this Notice from time to time. Please take a look at the Last
Updated legend at the beginning of this Notice to see when this Privacy Notice
was last revised. When we do, we will post the revised Notice on this page with
a new effective date. Any changes will become effective when we post the revised
Notice on the Site. Your use of the Sites/Services following these changes means
that you accept the revised Notice.
B. THIRD-PARTY SITES AND SERVICES
This Notice does not address, and we are not responsible for, the privacy,
security, or other practices of any third parties, including any third party
operating any site or service to which the Site links. The inclusion of a link
on the Site does not imply endorsement of the linked site or service by us or by
our affiliates.
In addition, we are not responsible for the information collection, usage,
disclosure, or security policies or practices of other organizations, such as
Facebook, Apple, Google, Microsoft, or any other third-party app provider,
social media platform provider, operating system provider, device manufacturer,
or wireless service provider, including with respect to any Personal Information
you disclose to other organizations through or in connection with the
Site/Services.
C. JURISDICTIONAL ISSUES
The Sites/Services are controlled and operated by us from the United States and
are not intended to subject us to the laws or jurisdiction of any state,
country, or territory other than those of the United States. Information about
you may be stored and processed in any country where we have facilities or in
which we engage service providers, and, by using the Sites/Services you consent
to the transfer of information to countries outside of your country of
residence, including the United States, which may have data protection rules
that are different from those of your country. In certain circumstances, courts,
law enforcement agencies, regulatory agencies, or security authorities in those
other countries may be entitled to access your Personal Information.
XTENTH. CONTACT US
If you have any questions about this Notice, please contact your account
representative, call the number on the back of your card, or contact us
If you are contacting us from outside the United States, please refer to the
Citi website in your country or use the contact details in the local privacy
notice for your product. If you would like to submit a request pursuant to the
California Consumer Privacy Act (CCPA), please visit Citi's Privacy Hub at
online.citi.com/dataprivacyhub or call us at (833) 981-0270 (TTY: 711). If you
wish to submit a request to have your Personal Information deleted and corrected
(see section section I.A.3 and I.A.4 in the Appendix below) or wish to opt-out
of the selling or sharing of your Personal Information, call us at 833-981-0270
(TTY: 711).
APPENDIX — Jurisdiction Specific Provisions
I. SUPPLEMENTAL PROVISIONS FOR CALIFORNIA RESIDENTS.
1. Requests. California residents have certain rights with respect to Personal
Information under the California Consumer Privacy Act (CCPA). For purposes
of this subsection, the terms consumer, categories of personal information,
business purpose, third party, sell, and share have the meanings ascribed to
them respectively in the CCPA. Terms defined under the CCPA may differ in
meaning from the common usage of the same terms used elsewhere in this
Notice.
1. You have the right to request, up to two times every 12 months, that Citi
disclose to you the following: (i) the categories of Personal Information
that Citi has collected about you; (ii) the categories of sources from
which Citi has collected Personal Information about you; (iii) the
business or commercial purpose for collecting , selling, or sharing your
Personal Information; (iv) the categories of Third Parties to whom the
Personal Information was disclosed and (v) the specific pieces of
Personal Information that Citi has collected about you. Please note that
Personal Information we have collected in connection with your personal
account with us is not subject to the requirements of CCPA because it is
already protected under existing federal and California state privacy
laws, including the Graham Leach Bliley Act.
2. You have the right to request a portable copy of your Personal
Information.
In response to verified requests pursuant to #1 or #2 above, we will
confirm receipt of the request within 10 business days of receipt of the
request, and disclose and deliver the required information to you free of
charge within 45 days of receiving a verifiable consumer request. We may
extend this time period to deliver information once by an additional 45
days when reasonably necessary. We will provide notice of the extension
within the first 45-day period.
3. You have the right to request that Citi delete Personal Information
collected from you, subject to certain exceptions allowed under
applicable law.
In response to verified requests pursuant to #3 above, we will confirm
receipt of the request within 10 business days of receipt of the request.
Following verification of your request, we may require you to separately
confirm that you want your Personal Information to be deleted. We will
delete the information within 45 days of receiving a verifiable consumer
request (subject to certain exceptions). We may extend this time period
once by an additional 45 days when reasonably necessary. We will provide
notice of the extension within the first 45-day period.
4. You have the right to request that Citi correct inaccurate Personal
Information collected from you, subject to certain exceptions allowed
under applicable law. We will accept, review, and consider any
documentation that you provide in connection with your right to correct,
provided you make a good-faith effort to provide Citi with all relevant
information available at the time of the request.
In response to verified requests pursuant to #4 above, we will confirm
receipt of the request within 10 business days of receipt of the request.
Following verification of your request, we may require you to provide
documentation if necessary to rebut our own documentation that the
Personal Information is accurate. If, we determine, based on the totality
of the circumstances, that the information is not accurate, we will
respond to the request by correcting the information or deleting the
information (if deletion of the information does not negatively impact
you).We will correct within 45 days of receiving a verifiable consumer
request. We may extend this time period once by an additional 45 days
when reasonably necessary. We will provide notice of the extension within
the first 45-day period.
5. You have the right to opt out of the sale of your Personal Information
to, or the sharing of it with, Third Parties by clicking here to visit
our Privacy Hub. CCPA defines sale very broadly, covering both monetary
and other consideration. The same is true of the CCPA's definition of
share, except that sharing under the CCPA relates only to the targeting
of advertising based on Personal Information from an individual's
interaction with other websites and services. Citi does not sell or share
Personal Information for money. However, we share some types of Personal
Information as further described in Section III of this Notice above.
6. Citi will not discriminate against you because you elect to exercise
these rights, including by:
* Denying goods or services to you.
* Charging you different prices or rates for goods or services, including
through the use of discounts or other benefits or imposing penalties.
* Providing a different level or quality of goods or services to you.
* Suggesting that you will receive a different price or rate for goods or
services or a different level or quality of goods or services.
None of the foregoing, however, prohibits Citi from charging you a
different price or rate, or from providing a different level or quality
of goods or services to you, if that difference is reasonably related to
the value provided to Citi by your data.
2. Submission of Requests. You may exercise these rights by managing this
information through Citi's Privacy Hub at online.citi.com/dataprivacyhub or
by calling us at (833) 981 0270 (TTY: 711). If you wish to submit a request
to have your Personal Information deleted or corrected (see sections I.A.3
and I.A.4 in this Appendix), or to opt-out of the selling or sharing of your
Personal Information , call us at (833) 981 0270 (TTY: 711). If you wish to
submit any type of CCPA request through an authorized agent, please follow
the process in Section I.C. below.
3. CCPA Authorized Agent. CCPA permits consumers to designate authorized agents
to submit requests on their behalf. Under CCPA, an authorized agent is a
natural person or a business entity in California that a consumer has
authorized to act on their behalf subject to the requirements. If you would
like to designate an authorized agent to submit a request to know, a request
to delete, or a request to correct Personal Information on your behalf,
please call us at (833) 981 0270 (TTY: 711).
You or your authorized agent may provide us with a written power of
attorney, executed by you, confirming the authority of the authorized agent
with respect to your CCPA request(s).
If we have not received a power of attorney, we may require your authorized
agent to provide proof that you gave the agent signed permission to submit
your CCPA request(s).
In addition, we may also require you to do the following directly with us:
1. Verify your own identity with us;
2. Confirm you have provided the authorized agent permission to submit the
CCPA request(s).
Once verified (see Section I.D. below), your authorized agent may create a
unique account for you through Citi's Privacy Hub at
online.citi.com/dataprivacyhub and manage your requests through that
account.
4. Verification. Whether you submit a request directly on your own behalf, or
through an authorized agent, we will take reasonable steps to verify your
identity prior to responding to your requests under CCPA. Upon receiving a
request pursuant to I.A.2, I.A.3 or I.A.4 above, we will confirm receipt
within 10 days and provide you with information about how we will verify and
process the request. In order to verify your request, we will require you to
provide your social security number, tax ID number or passport number and
issuing country, in addition to your first and last name, e-mail address and
mailing address. We do not require you to verify your identity to make a
request pursuant to I.A.5, but we may ask you for information necessary to
compete the request. For example, we may ask you for your name, but we will
not require you to take a picture of yourself with your driver's license.
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