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ONLINE PRIVACY POLICY


SYNCHRONY CARES ABOUT YOU AND YOUR PRIVACY.

Online Privacy Policy
Effective as of January 1, 2023

Synchrony Bank and each of its affiliate companies (collectively, “Synchrony,”
“we” or “us”) is committed to protecting your privacy. Please read this Privacy
Policy (the “Privacy Policy”) carefully before using this website (the “Site”).
This site is not directed to or intended for individuals under 18 years of age.

This Privacy Policy describes the types of information we may collect from
visitors to the Site, what we do with this information, and how visitors can
update and control the use of the information they provide on the Site. This
Privacy Policy applies solely to information collected through this Site. The
Privacy Policy does not apply to other information we may collect, including
data collected on other websites, such as separate sites operated by our
affiliates or business partners, or other information visitors may provide to us
through other means.



INFORMATION COLLECTED

Through the use of or access to our Site for online inquiry regarding the
products and services we offer (“Services”) or otherwise, we may collect
personal information about you, which is information that identifies you as an
individual, relates to you as an individual, or that, along with other
information, could identify you (“Personal Information”). We collect the
following types of Personal Information:

INFORMATION PROVIDED BY YOU

We collect Personal Information from you when you:

 * Create an account. When you create an account with us, you will provide
   Synchrony your contact information.
 * Apply for our Services. When you submit an application to participate in our
   service offerings, we may request that you provide certain information
   including your name, date of birth, contact information, business
   information, financial information, relevant government issued identification
   numbers such as your Social Security Number or driver’s license number,
   reference information, and any additional information that you may include in
   your application.
 * Access our Site. For some products, to be able to access the Site, you must
   provide your telephone number and the last four digits of your Social
   Security Number.
 * Interact with our Site or Services. When you send us any feedback, questions,
   comments, or suggestions, participate in one of our surveys, or interact with
   Synchrony in any way, you may provide us with Personal Information, such as
   your name, telephone number, address, and email address.

INFORMATION COLLECTED AUTOMATICALLY

We may automatically collect the following Personal Information as you use our
Site or Services:

 * Usage Information. Which pages on our Site you access, the frequency of
   access, what you click on while on the Site, how long you access the Site,
   and when you accessed the Site. This may also include information regarding
   the manner in which you use our Services, such as information regarding the
   purchases made using our offerings.
 * Location Information. Information about your location, which may be
   determined through your IP address or mobile device.
 * Device Information. Information about the device you are using, such as
   hardware model, operating system, browser, and IP address.
 * Mobile Device Information. Mobile network information, such as the unique
   identifier assigned to the device, mobile carrier, operating system, and
   other device attributes.

INFORMATION OBTAINED FROM THIRD PARTIES

We may obtain Personal Information about you from third parties, such as credit
bureaus and demographic firms, when you use our Site or Services. We may also
obtain information about you from Payfone, the vendor that assists us in
verifying and authenticating your identity via mobile device.

COOKIES AND OTHER TRACKING TECHNOLOGIES

Cookies. "Cookies” are small pieces of information that are stored by your web
browser software on your computer’s hard drive or temporarily in your computer’s
memory. We seek to place and store Internet cookies on your hard drive. Cookies
can save any of the types of information noted above. Cookies enable us to
personalize your viewing experience and allow us to track statistical
information about navigation to and throughout certain areas of the Site and to
promotions on other sites. We also utilize third parties that may place and
store Internet cookies on your hard drive for web analytics. These third-party
cookies collect information about our Site traffic by tracking users across
websites and across time and generating reports for us to better understand our
Site users and to create audiences for our advertisements based on such
understanding. Third-party ad network providers that help us present ads on the
Site may also place cookies on your device to service you with ads or other
content personalized to your interests.

Adobe Analytics. We use a tool called “Adobe Analytics” for analytics and
advertising services. We use the information we get from Adobe Analytics to
improve the Services and to improve our ad performance. Adobe’s ability to use
and share information collected by Adobe Analytics about your use of the
Services or visits to the Site or to another application which partners with
Adobe, is restricted by Adobe Analytics Terms of Use and the Adobe Privacy
Policy available at: https://www.adobe.com/privacy/marketing-cloud.html.

Google Analytics. We use a tool called “Google Analytics” to collect some
information we listed above about your use of the Site and Services. We use the
information we get from Google Analytics to improve the Services. In order to
collect this information, Google Analytics may set cookies on your browser or
mobile device, or read cookies that are already there. Google Analytics may also
receive information about you from apps you have downloaded, that partner with
Google. We do not combine the information collected through the use of Google
Analytics with personally identifiable information. Google’s ability to use and
share information collected by Google Analytics about your use of the Services
or visits to the Site or to another application which partners with Google is
restricted by the Google Analytics Terms of Use and the Google Privacy Policy
available at: https://www.google.com/policies/privacy.

Social Media Widgets. . Our Site includes social media features, such as
Facebook, LinkedIn, and Twitter. These features may collect information about
your IP address and which page you are visiting on our Site, and they may set a
cookie to ensure the feature functions properly. These features may also provide
you with personalized ad content. Social media features and widgets are either
hosted by a third party or hosted directly on our Site. Your interactions with
those features and platforms are governed by the privacy policies of the
companies that provide them.


HOW WE USE COLLECTED INFORMATION

We use the Personal Information we collect to provide the Services to you, to
improve our Site and Services, and to protect our legal rights. Specifically, we
use the Personal Information we collect to:

 * Provide you with the Services.
 * Validate cell phone use.
 * Communicate with you. To communicate with you about our Site or Services, to
   send you updates, or to inform you of any changes to the Site or Services.
 * Provide customer support. To provide you support or other services you
   request.
 * To communicate about new features. We will send you notifications about new
   features or information available on our Services or third-party products
   that we feel might be of interest to you.
 * Maintain and improve our Site and Services. We analyze how our users interact
   with the Site in order to maintain and improve the Site and Services.
 * Benchmarking. We aggregate your information in order to gain insights into
   our Services.
 * Prevent fraud and abuse.
 * Comply with applicable law.


HOW WE SHARE INFORMATION

We share your Personal Information with our service providers, among our
entities, in connection with the provision of the Services, a corporate
restructuring, to prevent harm, to comply with the law, and to protect our legal
rights. The legal basis for this is our legitimate interest in providing our
Services, complying with the law, and protecting our rights and those of others.

 * Service Providers. We share Personal Information with service providers that
   help us perform Site functions and provide you with the Services, such as
   Adobe and Google Analytics.
 * Advertising and Marketing. We may share your Personal Information with third
   parties so that they may provide you with information about products or
   services that may be of interest to you. We also share certain Personal
   Information with LiveRamp, our marketing service provider, to improve our
   marketing services. Personal Information gathered through the SMS (Short
   Message Service/Text Message) Program will not be shared with third parties.
 * Corporate Restructuring. We may share your Personal Information if we are
   involved or intend to be involved in a merger, acquisition, consolidation,
   change of control, or sale of all or a portion of our assets or in connection
   with bankruptcy or liquidation proceedings.
 * To Prevent Harm. We may share your Personal Information if we believe it is
   necessary in order to detect, investigate, prevent, or take action against
   illegal activities, fraud, or situations involving potential threats to the
   rights, property, or personal safety of any person.
 * To Protect Our Rights and As Required by Law. We will share Personal
   Information where we are legally required to do so, such as in response to
   court orders or legal process, to exercise our legal rights, to defend
   against legal claims or demands, or to comply with the requirements of any
   mandatory applicable law. We will also share Personal Information as
   necessary to enforce any other terms that you have agreed to, including to
   protect the rights, property, interest, or safety of Synchrony, its users, or
   any other person, or the copyright-protected content of the Services.
 * With Your Consent. We will request your permission to use or share your
   Personal Information for a specific purpose that is not compatible with the
   purposes listed here. We will notify you and request consent before we
   provide the Personal Information or before the Personal Information you have
   already provided is shared for such purpose.


SECURITY

At Synchrony, our goal is to protect your Personal Information submitted to us
through this Site. We maintain reasonable physical, electronic, and procedural
safeguards designed to protect and limit access to your Personal Information.
However, no method of transmission over the Internet or electronic storage
technology is 100% secure. Therefore, while we strive to use commercially
acceptable means to protect your Personal Information, we cannot guarantee its
absolute security.

You are responsible for maintaining the confidentiality of your account username
and password. We recommend that you choose a unique password for your account
and that you do not use any password that you also use for any other accounts
which may contain your sensitive information, such as financial accounts or
email accounts. You agree to immediately notify Synchrony of any unauthorized
use of your password or account or any other breach of security. We will not be
responsible or liable for any loss or damage arising from your failure to comply
with this provision.

If you access our Site from a public or shared computer, it may be possible for
other users to review your online history. For this reason, you should always
close your browser window after you finish any online banking session, including
visiting our Site. If you access our Site from a shared computer, you should
never set the Internet options to remember or store user IDs or passwords. Also,
you should never go to websites or follow web links that are unfamiliar or seem
suspicious to you.


CHOICES ABOUT YOUR INFORMATION

 * Access, Correct, or View Your Personal Information. You may use your account
   to view, access, or correct certain Personal Information you provided to us
   and which is associated with your account.
 * Do Not Track. We take no action in response to “Do Not Track” requests
   received from user’s web browsing software.
 * Cookies. If you would like to opt out of accepting cookies altogether, you
   can generally set your browser to not accept cookies or to notify you when
   you are sent a cookie, giving you the chance to decide whether or not to
   accept it. However, certain features of our Site or other services may not
   work if you delete or disable cookies.
 * Google Analytics. To prevent your data from being used by Google Analytics,
   you can download the Google Analytics opt-out browser add-on for Google
   Analytics which can be found here: https://tools.google.com/dlpage/gaoptout.
 * Adobe Analytics. To prevent your data from being used by Adobe Analytics, you
   can download the Adobe Analytics opt-out browser add-on for Adobe Analytics,
   which can be found here:
   https://www.adobe.com/privacy/opt-out.html#customeruse.
 * Third-Party Advertising and Marketing. If you do not wish for us to share
   your information with third parties for advertising or marketing purposes,
   you may choose to opt-out at any time by directing such request to
   1-844-894-3960.
 * Online Advertising. To opt out of interest-based advertising or to learn more
   about the use of this information by our service providers you can visit the
   Network Advertising Initiative website
   (http://www.networkadvertising.org/managing/opt_out.asp) or the Digital
   Advertising Alliance website (http://www.aboutads.info/choices/), or if you
   are in the EU, the EDAA (https://www.youronlinechoices.eu/). If you choose to
   opt out, we will place an "opt-out cookie" on your computer. The "opt-out
   cookie" is browser specific and device specific and only lasts until cookies
   are cleared from your browser or device. The opt-out cookie will not work for
   some cookies that are important to how our websites and mobile apps work. If
   the cookie is removed or deleted, if you upgrade your browser or if you visit
   us from a different computer, you will need to return to the applicable
   website to re-select your preferences.


THIRD-PARTY LINKS

If you access our Site from a public or shared computer, it may be possible for
other users to review your online history. For this reason, you should always
close your browser window after you finish any online banking session, including
visiting our Site. If you access our Site from a shared computer, you should
never set the Internet options to remember or store user IDs or passwords. Also,
you should never go to websites or follow web links that are unfamiliar or seem
suspicious to you.


CALIFORNIA PRIVACY RIGHTS

Residents of California (“California Consumers”) have certain rights with
respect to the collection, use, transfer, and processing of Personal
Information, as defined by the California Consumer Privacy Act as modified by
the California Privacy Rights Act (collectively, the “CCPA”).

Please note that the CCPA does not apply to certain information, such as
information subject to the Gramm-Leach Bliley Act (“GLBA”). To that end, these
disclosures do not apply with respect to information that we collect about
California Consumers who apply for or obtain our financial products and services
for personal, family, or household purposes. For more information about how we
collect, disclose, and secure information relating to these consumers, please
refer to our GLBA Privacy Notice. Additionally, we reserve the right to limit
these rights where permitted under applicable law, including where your identity
cannot be reasonably verified or to the extent your rights adversely affect the
rights and freedoms of others.

To exercise any of the rights made available under the CCPA, please contact us
via the contact information below. Only you or your authorized agent may make a
verifiable consumer request related to your Personal Information. Unless
otherwise defined in this Privacy Policy, the terms used in this section shall
have the meanings ascribed to them in the CCPA.

COLLECTION OF PERSONAL INFORMATION

When California Consumers access our Site, we collect the following Personal
Information:

PERSONAL IDENTIFIERS

 * Name
 * Age
 * Address
 * Email address
 * Telephone number
 * Date of birth
 * Social Security number
 * Account numbers and related financial information
 * Business contact information

CHARACTERISTICS OF PROTECT CLASSIFICATIONS

 * Age (over 40)
 * Sex / gender
 * Marital status

COMMERCIAL INFORMATION

 * Information regarding purchases made using our Services
 * Information regarding your interactions with our Partners and Affiliates

BIOMETRIC INFORMATION

 * Voiceprint identification

INTERNET OR OTHER ELECTRONIC NETWORK ACTIVITY INFORMATION

 * The Internet Protocol address that relates to the machine or device used to
   access our Site
 * The type of browser and operating system used
 * The date and time when the Site is visited
 * Device ID if you are on a mobile device
 * Web pages displayed

GEOLOCATION DATA

 * IP or GPS based geolocation information

SENSORY DATA

 * Call and Meeting recordings

PROFESSIONAL OR EMPLOYMENT-RELATED INFORMATION

 * Business Contact Information
 * Business Reference Information

INFERENCES

 * Inferences we develop based on your interactions with our Services

SENSITIVE PERSONAL INFORMATION

 * Social Security Number
 * Driver’s License Number
 * Precise geolocation information
 * Financial Account information including log-in, number, and access
   credentials
 * Racial or ethnic origin, religious or philosophical beliefs, or union
   membership

The foregoing pieces of information have been collected about our consumers in
the past 12 months.

SOURCES FROM WHICH PERSONAL INFORMATION IS COLLECTED

We may collect the following categories of Personal Information directly from
you or by logging your interactions with our Services.

 * Identifiers, Characteristics, Commercial Information, Biometric Information,
   Internet, Geolocation, Sensory, Professional, Inferences, and Sensitive.

We may also collect these categories of Personal Information from the following
sources:

 * Publicly available sources
 * Service Providers, Consumer Data Brokers, and Credit Reporting Agencies
 * Affiliates
 * Your representatives or agents

BUSINESS OR COMMERCIAL PURPOSES FOR WHICH PERSONAL INFORMATION IS COLLECTED

Your Personal Information is used for the following purposes:

 * Provide you with the Services.
 * Validate cell phone use.
 * Communicate with you. To communicate with you about our Site or Services, to
   send you updates, or to inform you of any changes to the Site or Services.
 * Provide customer support. To provide you support or other services you
   request.
 * To communicate about new features. We will send you notifications about new
   features or information available on our Services or third-party products
   that we feel might be of interest to you.
 * Maintain and improve our Site and Services. We analyze how our users interact
   with the Site in order to maintain and improve the Site and Services.
 * Benchmarking. We aggregate your information in order to gain insights into
   our Services.
 * Prevent fraud and other illegal activities.
 * Comply with applicable law.
 * Defend our legal rights.

THIRD PARTIES WITH WHOM PERSONAL INFORMATION IS SHARED OR SOLD

Synchrony shares your Personal Information with analytics and service providers,
advertisers, business partners and law enforcement (if necessary).

In the preceding 12 months, we have not sold Personal Information about
consumers for monetary consideration. Our use of cookies and other tracking
technologies may be considered a sale or sharing of Personal Information under
the CCPA. Categories of Personal Information that we have sold under the CCPA
include identifiers and Internet or other similar network activity. Categories
of third parties to whom Personal Information is sold under the CCPA include
data analytics providers and advertising and marketing providers.

In the preceding 12 months, we have not knowingly sold or shared Sensitive
Personal Information of California Consumers for purposes not specifically
authorized under the CCPA.

In the preceding 12 months, we have disclosed the following Personal Information
about consumers for business purposes:

 * Identifiers, Other Personal Information (Financial Information), Employment
   Information, and Commercial Information. We share this information with our
   service providers to allow them to perform services on behalf of Synchrony.
   We may also share this information with our business partners so that they
   may provide you with information about products or services that may be of
   interest to you.
 * Internet or Other Electronic Network Activity Information.We share with or
   allow third parties to utilize cookies for marketing or advertising
   customized to your apparent interests or needs (more information located in
   the “Information Collected Automatically” section above).

INDIVIDUAL RIGHTS

Right for You to Access Personal Information Collected, Disclosed, or Sold

You have the right to request that Synchrony disclose the Personal Information
it collects, uses, and discloses about you to third parties:

Upon receipt of your verifiable Right to Access request, you will receive the
following information about you:

 1. Categories of personal information collected;
 2. Categories of sources from which personal information are collected;
 3. Specific pieces of personal information collected about you;
 4. Business or commercial purpose for collecting, selling, or sharing; and
 5. Categories of third parties to whom personal information was disclosed.

This information will be provided to you free of charge, unless Synchrony
determines that your request is manifestly unfounded or excessive. You may
request this information twice in a 12-month period. This Right to Access is
subject to certain restrictions. We will identify in our response to your
request if such a restriction applies. Synchrony employees and employees of
Synchrony business partners and service providers may also make a Right to
Access request under the CCPA, subject to certain limitations.

RIGHT TO OPT OUT OF TARGETED ADVERTISING AND THE SALE OR SHARING OF PERSONAL
INFORMATION

Synchrony does not sell any Personal Information of California Consumers for
monetary consideration. However, we use certain third-party advertising and
analytical cookies that may be considered “sales” or “sharing” of data under
California law.

California Consumers have the right to opt out of the sale or sharing of
personal information. It also allows you the right to opt out from our
processing of your personal data for targeted advertising or analytic purposes.
If you wish to opt out of advertising or analytic cookies, you can do so via our
Cookie Management Options banner. Within the Cookie Setting you can choose your
cookie preferences. You may also opt out of the collection and processing of
data by LiveRamp by following the instructions, available here.

Synchrony web properties respond to the Global Privacy Control (“GPC”), which
allows you to opt out of the sale or sharing of your personal information if
enabled. If you have the GPC enabled, we will not sell or share your personal
information. To learn more about the GPC, please visit
https://globalprivacycontrol.org/.

Please note that opt-out choices may be stored via cookies. If you clear
cookies, if your browser blocks cookies, or if you visit the site from a
different browser or device, your opt-out choices may not be recognized or
honored.

RIGHT OF ERASURE

You have the right to request that Synchrony and our service providers erase any
Personal Information about yourself, which Synchrony has collected from you upon
receipt of a verifiable request. This right is subject to certain restrictions.
We will identify in our response to your request if such a restriction applies.

RIGHT OF CORRECTION

You have the right to request that Synchrony and our service providers correct
any Personal Information about yourself, which Synchrony has collected from you
upon receipt of a verifiable request. This right is subject to certain
restrictions. We will identify in our response to your request if such a
restriction applies.

SUBMITTING REQUESTS

You or your authorized agent can submit your request by calling us at
1-844-894-3960 or visiting our request website at
https://www.synchronycredit.com/cpra/.

VERIFYING REQUESTS

Synchrony provides California Consumers with an online webform to submit
requests. The webform is accessible at https://www.synchronycredit.com/cpra/. As
stated in the webform, Synchrony must verify that the person requesting
information or deletion is the California Consumer about whom the request
relates in order to process the request. To verify a California Consumer’s
identity, we may request up to three pieces of Personal Information about you
when you make a request to compare against our records. We cannot respond to
your request or provide you with Personal Information if we cannot verify your
identity.

As stated in the webform, Synchrony must verify that the person requesting
information or deletion is the California Consumer about whom the request
relates in order to process the request. To verify a California Consumer’s
identity, we may request up to three pieces of Personal Information about you
when you make a request to compare against our records. We cannot respond to
your request or provide you with Personal Information if we cannot verify your
identity.

RIGHT OF NO RETALIATION

Synchrony will not discriminate against you because you exercised any of your
rights, including, but not limited to, by:

 * Denying goods or services to you.
 * Charging 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.
 * Retaliating against an employee, applicant for employment, or independent
   contractor.


ANNUAL METRICS

The following information is provided in accordance with the requirements of the
CCPA:
Click here to access the Annual Metrics: https://www.syf.com/ccpametrics


INTERNATIONAL USERS

This is a United States-based website that is subject to United States law. This
Site is controlled, operated and administered by Synchrony from its offices
within the United States. This Privacy Policy is provided in accordance with and
subject to applicable U.S. law. If you are accessing this Site using a computer
that is located outside the United States, you are responsible to ensure that
your Internet connection is secure and is not monitored, legally or otherwise,
by any third party or jurisdiction. If you are unsure of the security of your
international Internet access, you should refrain from accessing this Site until
you have confirmed that your access is secure and not monitored. If you decide
to continue to access this Site from your location outside the United States,
you hereby agree that your use of this Site is subject to this Privacy Policy
and U.S. law and that you are responsible for complying with applicable laws in
all jurisdictions that govern your use and access of this Site.


EUROPEAN, SWISS, AND UNITED KINGDOM USERS

This section of our Policy provides certain required information to persons
located in the United Kingdom (“UK”), European Union (“EU”), a European Economic
Area (“EEA”) member state, or Switzerland. Before Synchrony collects any
Personal Information from you, you are entitled under the EU General Data
Protection Regulation (“GDPR”) to the information in this section of our Policy.

PURPOSES AND LEGAL BASIS FOR PROCESSING PERSONAL INFORMATION

Synchrony will only process your Personal Information for lawful purposes under
the GDPR related to Synchrony's business purposes arising from your relationship
with Synchrony. Synchrony will ordinarily collect and process your Personal
Information because it is necessary for the performance of a contract to which
you are a party or because Synchrony has another legitimate interest in doing
so. When Synchrony cannot rely on either of such legal grounds, it will seek
your prior consent.

RIGHTS OF RESIDENTS OF THE EUROPEAN UNION (EU) OR UK

If you use the Site and reside in the UK, EU, EEA, or Switzerland, you are
entitled by law to access, correct, amend, or delete Personal Information about
you that we hold. A list of these rights is below. Please note that these rights
are not absolute and certain exemptions apply.

 * The right to access. You have the right to ask us for copies of your Personal
   Information. This right has some exemptions, which means you may not always
   receive all the Personal Information we collect and process. When making a
   request, please provide an accurate description of the Personal Information
   you want access to.
 * The right to rectification. You have the right to ask us to rectify
   information you think is inaccurate. You also have the right to ask us to
   complete information you think is incomplete.
 * The right to erasure. You have the right to ask us to erase your Personal
   Information in certain circumstances, including: (i) when your Personal
   Information is no longer necessary for the purposes for which it was
   collected or processed, or (ii) your Personal Information must be erased to
   comply with a legal obligation in EU Union or Member State law.
 * The right to restrict processing. You have the right to ask us to restrict
   the processing of your Personal Information in certain circumstances,
   including: (i) when the accuracy of the Personal Information is brought into
   question, or (ii) when we no longer need the Personal Information for
   purposes of the processing, but you require such Personal Information for the
   establishment, exercise, or defense of a legal claim.
 * The right to object to processing. You have the right to object to processing
   of your Personal Information.
 * The right to data portability. You have the right to ask that we transfer the
   Personal Information you gave us from one organization to another, or give it
   to you.
 * The right to lodge a complaint with the supervisory authority. If you believe
   your rights under the GDPR have been violated, the GDPR gives you the right
   to file a complaint with the supervisory authority. A list of Supervisory
   Authorities is available here:
   https://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm.

To exercise these rights please contact us at
https://www.synchrony.com/contact-us.html. For your protection, we may need to
verify your identity before responding to your request. In the event that we
refuse a request under rights of access, we will provide you a reason as to why.

RIGHT TO WITHDRAW CONSENT

If Synchrony obtains your written consent to collect and process your Personal
Information, you can subsequently withdraw such consent as to any further
processing of information by contacting us at
https://www.synchrony.com/contact-us.html.

CROSS-BORDER TRANSFERS OF PERSONAL INFORMATION

Personal Information that you provide while in the UK, EU, an EEA member state,
or Switzerland will be transferred to the United States. Applicable European
privacy law, such as the UK DPA and the GDPR permits such transfer when
necessary for the performance of a contract between you and Synchrony, if
Synchrony obtains your explicit consent to such transfer, or if it is in
Synchrony’s legitimate interest to transfer the Personal Information. The laws
in the United States may not be as protective of your privacy as those in your
location. However, when transferring Personal Information to and processing
Personal Information in the United States, Synchrony will implement appropriate
safeguards and process the Personal Information in accordance with the terms of
this Privacy Policy. By using our Site, you agree to the transfer and processing
of your Personal Information to the United States.

RETENTION OF YOUR PERSONAL INFORMATION

We will retain your Personal Information until the Personal Information is no
longer necessary to accomplish the purpose for which it was provided. We may
retain your Personal Information for longer periods for specific purposes to the
extent that we are obliged to do so in accordance with applicable laws and
regulations, to protect you, other people, and us from fraud, abuse, and
unauthorized access, as necessary to protect our legal rights, or for certain
business requirements.


CHANGES TO THIS ONLINE PRIVACY POLICY

We reserve the right to modify or supplement this Privacy Policy at any time and
without prior notice. If we make any material change to the Privacy Policy, we
will update our Site to include such changes. We recommend that you review this
Privacy Policy regularly for changes.


CONTACT

If you have any questions or concerns about this Privacy Policy, you can contact
us at privacyoffice@syf.com.

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