Our goal is to maintain your trust and confidence when handling personal information about you.
YOU HAVE CHOICES
As a Banamex USA customer you have the opportunity to make choices about how personal information about you may be shared and used. As you consider this, we encourage you to make choices that enable us to provide you with quality products and services that help you meet your financial needs and objectives.
SECURITY OF PERSONAL INFORMATION
The security of personal information about you is our priority. We protect this information by maintaining physical, electronic, and procedural safeguards that meet applicable law. We train our employees in the proper handling of personal information. When we use other companies to provide services for us, we require them to protect the confidentiality of personal information they receive.
ABOUT THIS NOTICE
We are providing this privacy notice to consumer clients who purchase products or receive services from us for personal, family or household purposes (“you”). This notice tells you how we collect, handle, and disclose personal information about you and how you can limit this disclosure. It also tells you how you may limit our affiliates from using certain information to market their products or services to you. Please call us toll free at the Customer Service number shown below or send in the
Privacy Choices Form
that you will receive as part of your paper privacy notice that we provide at account opening and annually to customers. If you are a joint account holder, we will accept instructions from either of you and apply them to the entire account.
This notice also applies to both current and former customers. We may change this notice from time to time. If we do, we will notify you as required by applicable law.
Call us toll-free at:
From the U.S.: 1 (800) 222-1234
From Mexico: 01 (800) 111-1234
From any other country: (310) 203-3400
Or write to us at:
Banamex USA
2029 Century Park East
Los Angeles, CA 90067
Personal Information We Collect and May Disclose
The personal information we collect about you comes from the following sources:
- Information we receive from you, such as your name, address and, telephone number,
- Information about your transactions, such as your account balances, payment history, and account activity,
- Information we receive from a consumer reporting agency and other sources, such as your credit bureau report and credit score.
We may disclose any of the above information that we collect to affiliates and nonaffiliated third parties as described below.
The term "personal information", as used in this notice, means information that identifies you personally. We may use information which does not personally identify you to help manage our businesses and to provide us, our affiliates, and other companies insight into consumer spending behavior. We may do this even if you ask us to limit disclosure of personal information about you, as described in the Privacy Choices Form.
Affiliates To Whom We May Disclose Personal Information
Our affiliates are the family of companies controlled by Citigroup Inc. (Citigroup). Affiliates to whom we may disclose personal information about you are in several different businesses, including banking, credit cards, consumer finance, insurance, and securities. Our affiliates include those doing business under the Citi name, such as Citibank, CitiFinancial, CitiMortgage and CitiGlobal Markets Inc, as well as, Citi Personal Wealth Management and Banamex.
Non-affiliated Third Parties To Whom We May Disclose Personal Information
Nonaffiliated third parties are those not part of the family of companies controlled by Citigroup.
We may disclose personal information about you to the following types of nonaffiliated third parties:
- Financial services providers, such as companies engaged in banking, credit cards, consumer finance, securities, and insurance, and
- Non-financial companies, such as companies engaged in direct marketing and the selling of consumer products and services.
If you fill in Box 1 on the Privacy Choices Form, or call Customer Service to make this election, we will not disclose personal information about you to nonaffiliated third parties except as follows. First, we may disclose personal information about you as described above in "Personal Information We Collect and May Disclose" to third parties that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. Second, we may disclose personal information about you to third parties as permitted by law, such as disclosures necessary to process and service your account, to protect against fraud, and to protect the security or confidentiality of our records.
Your Privacy Choices
This section describes your privacy choices. Please remember that we will continue to protect personal information about you regardless of your privacy choices.
If you are a customer of another Citigroup affiliate or Banamex USA business and you receive its privacy notice you should also review that privacy notice since you may need to separately notify that affiliate or entity.
Limit Disclosure to Nonaffiliated Third Parties (Box 1)
As described in this notice, we will limit the personal information about you that we disclose to nonaffiliated third parties if you fill in Box 1 on the paper Privacy Choices Form that you have or will receive or call Customer Service to make this election.
Limit Sharing with Citigroup Affiliates (Box 2)
Our ability to share information with our affiliates helps us to more easily provide you with quality products and services to meet your financial needs and goals.
The law allows us to share with our affiliates information about our transactions or experiences with you; such as, your account history, and also your name, address, and telephone number. Unless otherwise permitted by law, we will not share with our affiliates other information that you provide to us or that we obtain from third parties (for instance, credit bureaus) if you fill in Box 2 on the Privacy Choices Form or call Customer Service to make this election.
Limit Marketing by Citigroup Affiliates (Box 3)
Federal law gives you the right to limit some, but not all marketing from our affiliates. You may limit our affiliates from marketing their products and services to you based upon personal information about you that we collect and share with them. This information may include your account history with us and your credit score. If you fill in Box 3 on the Privacy Choice Form, we will tell our affiliates to limit their marketing to you based upon this information, unless otherwise permitted by law, such as if you currently do business with one of our affiliates.
Information for Vermont and California Customers
In response to a Vermont regulation, we will automatically treat accounts with Vermont billing addresses as if you filled in Box 1, Box 2, and Box 3 on the Privacy Choices Form. And if we disclose personal information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transactions or experiences with you.
In response to a California law, we will automatically treat accounts with California billing addresses as if you filled in Box 1 on the Privacy Choices Form and will not disclose personal information about you to nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. To further restrict sharing with and marketing by affiliates as described in this notice, you can fill in Box 2 and Box 3 on the paper Privacy Choices Form that you have or will receive or call Customer Service to make this election.
The privacy choices you make will apply until you tell us to make a change. If you already made any of these privacy choices with us, you need not make that choice again.
Please allow approximately 30 days from our receipt of your privacy choices for them to become effective.
Internet Privacy
We want you to understand what personally identifiable information ("personal information") is collected through this web site and how it may later be disclosed.
You can visit this site and find out about our products and services, or use other value-added services without giving us any information about yourself.
If you are a customer, details about the information we collect and how it may be disclosed is contained in Our Privacy Notice, which includes additional information regarding your Privacy Choices.
In order to provide better service, we may use "cookies" which may be set by another company for us. A cookie is a small piece of information that a Web site stores on your Web browser that can later be retrieved and read only by the same site. We use cookies for administrative purposes and to enhance your online experience. For example, we may use cookies to track the number of visitors to our site or to enable us to present rotating information to you at our site. You can set up your Web browser to inform you when cookies are set or to prevent cookies from being set.
From time to time, we may change this Internet Privacy Policy. The effective date of this policy, as stated below, indicates the last time this policy was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the policy.
Review and request changes to Information.
Information that customers provide to Banamex USA can be accessed at this web site and changed. To protect your privacy, you will need to log on with a valid user id and password.
This policy was last modified 06/2010
INFORMATION ABOUT COOKIES
Cookies
A cookie is a piece of information which a web server may place on your computer when you visit a web site. Cookies are commonly used by web sites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your computer. Many cookies last only through a single session, or visit. Others may have an expiration date, or may remain on your computer until you delete them.
How We Use Cookies
We use cookies for a number of purposes - for example, to maintain continuity during a user session, to gather data about the usage of our web site for research and other purposes, to store your preferences for certain kinds of information and marketing offers, or to store a username or encrypted customer identification number so that you do not have to provide this information every time you return to our site.
Our cookies will track only your activity relating to our online promotions, which may be located at our web site or the web sites of others, and your online activity on our web site. They will not track your other internet activity. Cookies set by us cannot be read by and are not shared with any non-Citigroup web site, although we may share some of the cookie information we gather with other Citigroup companies. Our cookies typically do not gather personally identifiable information.
Cookie Filters
You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain of our online services or web site features.
Cookies of Other Companies
We occasionally use other companies to set cookies on our web sites and gather cookie information for us. In some cases we will also use another company to operate web servers for our sites. We use the cookie information gathered by these companies in the same manner as stated in the previous section. The companies we use may not use these cookies for their own internal purposes or share the information gathered with anyone other than Banamex USA, in accordance with the terms of the contracts they have signed with us.
General Website Practices
In addition to the information we collect from cookies, we also obtain information that you provide to us online - for example, when you are doing your online banking with us, when you submit an application or otherwise communicate with us. In some cases, we retain both the cookie information and/or the information you provide to us online - for example, to complete a transaction you requested or to keep historical records of your past transactions.
Information sharing practices with affiliates and outside companies are governed by the Privacy Notice of the Citigroup entity which maintains your account.
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