Our Privacy Notice

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

You Have Choices: As a CitiFinancial* 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: 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 see the Privacy Choices Form at the end of this notice. The privacy choices you make will apply until you tell us to make a change. If you are a joint accountholder, we will accept instructions from either of you and apply them to the entire account. This notice 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.

*All references to CitiFinancial refer to the subsidiary of CitiFinancial Credit Company which is maintaining your account. These subsidiaries include: CitiFinancial Company, CitiFinancial Consumer Services, CitiFinancial Consumer Services, Inc., CitiFinancial Corporation, CitiFinancial Corporation, LLC, CitiFinancial, Inc., CitiFinancial of Virginia, Inc., and CitiFinancial Services, Inc.

Personal Information We Collect And May Disclose: The personal information we may collect about you comes from the following sources:

• Information we receive from you, such as name, address, and telephone number,
• Information about your transactions, such as account balances, payment history and account activity, and
• Information we receive from consumer reporting agencies and other sources, such as your credit bureau report and your 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. Affiliates to whom we may disclose personal information about you are in several different businesses, including banking, credit cards, consumer finance, securities and insurance. Our affiliates include those doing business under the Citi name, such as Citi Assurance Services, Inc., Citibank, Citicorp Trust Bank, fsb, CitiMortgage, Primerica, and Citi Smith Barney.

Nonaffiliated 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, we will not disclosure 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 security or confidentiality of your 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.

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 Privacy Choices Form.

Limit Sharing With Citigroup Affiliates (Box 2): Our ability to share information with our affiliates helps us 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 any information about our transactions or experiences with you, such as 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.

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 Choices Form, we will tell our affiliates to limit their marketing to you based upon the personal information we have collected about you, unless otherwise permitted by law.

Please allow approximately 30 days from our receipt of your privacy choices for them to become effective. If you already made any of these privacy choices with us you do not need to make that choice again. If you are a customer of other Citigroup affiliates and you receive its privacy notice, you should also review that privacy notice since you may need to separately notify that affiliate of your choices.

Information for California Customers: In response to a California law, we will automatically treat accounts with California mailing 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 affiliates as described in this notice, you can fill in Box 2 and/or Box 3 on the Privacy Choices Form.

Information for Vermont Customers: In response to a Vermont regulation, we will automatically treat accounts with Vermont mailing addresses as if you filled in Box 1, Box 2 and Box 3 on the Privacy Choices Form. 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.

Texas Consumer Privacy Notice: CitiFinancial is licensed and examined under the laws of the State of Texas and by state law is subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer wishing to file a complaint against CitiFinancial should contact the Office of Consumer Credit Commissioner through one of the means indicated below:

In person or U.S. Mail:
2601 North Lamar Boulevard
Austin, TX 78705-4207
Telephone: (800) 538-1579
Fax Number: (512) 936-7610
E-mail: consumer.complaints@occc.state.tx.us 

Website:www.occc.state.tx.us 

CITIFINANCIAL is a registered service mark of Citigroup Inc.

FILL IN PRIVACY CHOICES FORM BELOW, DETACH, AND RETURN

PRIVACY CHOICES FORM

If you want to limit disclosures of personal information about you as described in this notice, just fill in the appropriate box or boxes to indicate your privacy choices and provide all of the requested information. Then, send this form to the address listed below. Be sure to include account numbers since your privacy choices will be applied only to the accounts listed.

__  1. Limit the personal information about me that you disclose to nonaffiliated third parties.
__  2. Limit the personal information about me that you share with Citigroup affiliates.
__  3. Limit Citigroup affiliates from marketing to me using personal information about me that you share with them.

Please provide all of the requested information so that CitiFinancial can correctly administer your request.
My CitiFinancial account number(s) (list each account):
(15 digits beginning with 67)
6 7 _ _ _ _ _ _ _ _ _ _ _ _ _

6 7 _ _ _ _ _ _ _ _ _ _ _ _ _

Name:

Address:

City, State:

Zip:

If you filled in any of the boxes above, please mail this form to:

Privacy Choices
CitiFinancial
PO BOX 70915
Charlotte, NC 28272-0915

Fair and Accurate Credit Transactions Act Notice: The federal Fair and Accurate Credit Transactions Act of 2003, requires us to provide you the following legal notice: We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Our Privacy Notice

This notice applies only to customers ("You, Your") of American Health and Life Insurance Company, National Benefit Life Insurance Company, Triton Insurance Company and Sears Life Insurance Company. ("We, Us, Our"), who have purchased insurance products in connection with a loan or credit transaction.

We are providing You with this privacy notice to help You understand how We handle the personal information about You that We collect. We protect personal information about You by maintaining physical, electronic, and procedural safeguards that meet or exceed applicable law. Third parties who have access to personal information must agree to follow appropriate standards of security and confidentiality.

We train people who work for Us how to properly handle personal information and We restrict access to it.

We may collect personal information about You when You apply for insurance and when We process an insurance claim. The information comes from various sources including:

• Information We receive from You on applications or claims forms, such as name, address, social security number, date of birth, telephone number, income, and occupation,
• Information about Your transactions with Us, Our affiliates, or nonaffiliated third parties, such as account balances, payment history, and account activity,
• Information We receive about You from other sources, such as Your employer and other third parties.
  We do not disclose any personal information about You or Our former customers except as permitted by law, such as disclosures necessary to process and service Your account, to protect against fraud, to protect the security or confidentiality of Our records, or at Your direction or with Your consent.

INTERNET PRIVACY POLICY

We want you to understand what personal information about you is collected through this Web site.

We collect information you provide through an online loan application at this site when you submit the completed application. The information in your online loan application includes but is not limited to, your name, address, Social Security number, telephone number, e-mail address, income and occupation.

You can visit this site and find out about our products and services or use other value-added services without giving us any personal information about you.

If you are a customer, details about the personal information about you we collect and how it may be disclosed is contained in our Privacy Notice.

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.

When you click on a link contained on this site, you may leave this site and go to another Web site maintained by Citigroup, one or more affiliates or divisions of Citigroup, or possibly a non-affiliated third party. Linked sites maintained by Citigroup, or one or more of its affiliates or divisions, may have their own cookie policies. Linked sites maintained by non-affiliated third parties may have a cookie policy different from that of Citigroup and/or its affiliates.

Additionally, non-customers who receive a promotional email message about our products and services may elect to not receive further promotional email messages in accordance with the instructions we provide in the promotional email message. If you elect not to receive these messages, we will retain your e-mail address solely for the purposes of facilitating your request.

Information that you provide to us online, and in your online loan application, may be accessed and changed by contacting us. To protect your privacy, proof of identity or other authentication is required. To contact us, see Contact Us.

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.

Revised 10/2009