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P3P (Platform
for Privacy Preferences)
Important message for Microsoft's Internet Explorer (IE6) and Windows XP users:
- If you are experiencing problems in logging onto or accessing components of the CitiFinancial® Web site and have upgraded to Microsoft's Internet Explorer 6.0 (IE6) or Windows XP, click here.
What is P3P?
What Changes are Caused by Privacy Settings?
How to Designate Preferred Sites?
What is a Cookie?
How do I Know if I Have IE6?
How does P3P Define First-party and Third-party
Web Sites?

What is P3P?

Microsoft's Internet Explorer 6.0 (IE6) and Windows XP
contain new privacy features based on the specifications
of the Platform for Privacy Preferences Project (P3P).
CitiFinancial is currently in the process of making our Web
site P3P compliant but, in the meantime, you may have to make
some adjustments to your browser to eliminate the problem
you are experiencing. Click here to learn how
to change your browser privacy settings.

Understanding changes caused by your privacy settings

Microsoft's Internet Explorer 6.0 (IE6) and Windows XP
browsers are installed with a default setting
of medium. The medium level may block cookies or alter the behavior
of cookies, which may affect the functionality
of the Web sites you use. Click here to learn more
about cookies.
If your browser has blocked cookies or has changed the functionality
of the cookies, a warning symbol, displaying a small "eye"
with a red circle, will appear at the bottom of your computer
screen. This warning should be located right next to the lock
icon that indicates you are using a secure site.
Here's how to find out which cookies are accepted or blocked:
The privacy icon will appear in the status bar each time a
cookie is restricted based on your privacy settings.
To view the Privacy Report
- In Internet Explorer, click on the View menu, and then
click Privacy Report to see all of the content
on the page you are viewing. This will indicate which
cookies were accepted, which cookies were blocked, and
other items included on the page.

Designating preferred sites to accept all cookies

The "Preferred Site Designation"
feature of P3P is designed to allow you to select Web sites
and designate them as "preferred" sites. This feature
gives you the flexibility to customize the privacy setting
to accept cookies from preferred Web sites and restrict or
block cookies from unfamiliar Web sites.
Here's how to change your privacy settings:
- In Internet Explorer, click on the Tools menu, and then click
Internet Options.
- Click on the Privacy tab, move the slider up
for a higher level of privacy or down for a lower level
of privacy. Here you will be given the option to select
cookies, block all cookies - high, medium high, medium,
or low - or accept all cookies.
For additional information on P3P, cookies, privacy and
security for IE6, in Internet Explorer, click on the Help menu and then click
Contents and Index. Click the Search tab, type in P3P and click on List Topics. Choose a topic in the Select Topic to Display box and then click Display at the bottom.
Here's how to change your privacy settings for individual
sites:
- In Internet Explorer, click on the Tools menu, and then click Internet
Options.
- Click on the Privacy tab and then click Edit.
- In Address of Web Site, type the complete address
of the Web site for which you want to specify custom settings.
For example, http://www.citifinancial.com.
- To save on your computer that you want Internet Explorer
to always allow cookies from the specified Web site, click
Allow. To save on your computer that you want Internet
Explorer to never allow cookies from the specified Web
site, click Block.
Once you have designated a Web site to always allow
cookies, you can close this box. The site should now work
as it did before you installed IE6.
For additional information on P3P, cookies, privacy and
security for IE6, in Internet Explorer, click on the Help menu and then click
Contents and Index. Click the Search tab, type in P3P and click on List Topics. Choose a topic in the Select Topic to Display box and then click Display at the bottom.
The descriptions provided in the IE6 Help section, indicate
how IE6 will behave when all sites have upgraded to become
P3P compatible. Today, many sites have not had sufficient
time to upgrade to be P3P compliant. Until P3P compatibility
is widespread, you may experience denial of access or disruption
of certain functionalities on sites you previously used
successfully.

What is a cookie?

A cookie is information in a small text
file stored on your computer. There are several types of cookies, and you can choose whether
to allow some, none, or all of them to be saved on your computer.
If you do not allow cookies at all, you may not be able to
view some Web sites or take advantage of customization features
such as online banking, online applications, local news and
weather or stock quotes.
How are cookies used?
A cookie is a text-only string or file created by an Internet
site to store information in the memory of your browser,
such as your preferences when visiting that site. For example,
if you inquire about a specific loan product on a financial
Web site, the site may create a cookie that contains your
selection of the loan type you're interested in. Or it may
only contain a record of the pages you looked at within
the site you visited, to help the site customize the view
for you the next time you visit.
Cookies can also store personally identifiable information
you voluntarily provide. Personally identifiable information
is information that can be used to identify or contact you,
such as your name, e-mail address, home or work address
or telephone number. However, a Web site only has access
to the personally identifiable information you provide.
For example, a Web site cannot determine your e-mail name
unless you provide it. Also, a Web site cannot gain access
to other information on your computer. Once a cookie is
saved on your computer, only the Web site that created the cookie can read it.

How do I know if I have IE6?

If you use Microsoft's Internet Explorer
and are not sure which version you have, follow the steps
below:
- In Internet Explorer, click on the Help menu
- Select About Internet Explorer
- Read the version number located on the first line. If
the version number says 6.0, then you have IE6.

How does P3P define
first-party and third-party web sites?

While there are many positive aspects to the P3P privacy
tool, the rigid definition of first-party and third-party sites
may create serious problems for users and site sponsors.
According to the P3P specification as published by the
World Wide Web Consortium (and consistent with privacy laws
and the common understanding of Internet users) first-party
and third-party Web sites are defined as follows:
- First-party sites are those owned or controlled in common
by one company. However, in IE6 release, the P3P software
looks for an exact match on minimal domain name before
it will classify sites as first-party sites with regard
to each other. For example, while most users would think
of www.citifinancial.com and www.citifinancial.ca
to be first-party sites, IE6 considers them to be third-party
sites with respect to each other.
Since many companies use different domain names, different
servers to enhance performance and third-party proprietary
content to enrich sites, P3P, in its current form, may lead
to blocking or changing cookies set by what it perceives
as "third parties". However, the user or site
sponsor would never expect or want to be treated as "third-party"
cookies. This is one reason why users may choose
to designate certain trusted sites as "Preferred Sites"
where all cookies will be accepted.


For More Information on P3P, visit the
World Wide Web Consortium at
www.w3c.org.
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