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If you provide information to us to apply for an Account and your application is not approved,
we will use and collect information about you as described in the Policy.
Consumer Credit Card Program
GE Money Bank
Information We Collect
-We collect personally identifiable information about you, (such as your address, phone number,
social security number, mother’s maiden name, and transaction information about items
purchased, payments and payment method), for identification, account management, servicing
and marketing purposes. We obtain information about you directly from you (such as on
application forms), through your use of our products and services, and in some cases, from
third parties (such as credit bureaus and demographic firms). Occasionally, we may also
collect information about you online using “cookies” (small pieces of data
stored by your Internet browser on your computer) or other technology that may be used to
remember passwords for you, to track your website usage with us, and to provide you with
customized content, among other things.
Information We Share with Others
-We may use and share all of the information we collect, subject to applicable law, with
the following (these examples are not intended to be all-inclusive):
practices. Please read it carefully and retain with your records for
this Account. The Policy applies only to current and former customers
and applicants in their relationships with us relating to this consumer
credit card Account of GE Money Bank (GEMB, “we”, “us” or “our”).
- The Retailer/Merchant/Dealer associated with this credit program and its affiliates and program sponsors
(as applicable), for use in connection with this consumer credit
program and as otherwise permitted by law. They may use this
information to update their records, to provide you with notices of
special promotions and other tailored offerings, to answer questions
about this Account and perform other credit program functions or for
other purposes permitted by law. They may use their affiliates,
licensees, sponsors or third-party service providers (such as modeling
and database companies) to assist them in any of these activities.
- Service Providers and program sponsors,
(including our affiliates) to assist us in servicing Accounts, like preparing billing
statements and promotional materials, and responding to customer inquiries. We also may
use marketing firms, such as modeling companies, to assist us in our own marketing efforts.
- Financial Institutions with whom we jointly offer financial products,
such as loan products or credit insurance. If your billing address is in Vermont, this
information will be limited to your name and contact information, and transaction and
experience information on this Account.
- GEMB’s affiliates, who are other companies in the General Electric Company corporate
family (“GEMB affiliates”) for servicing or marketing purposes, subject to your
right to opt out of sharing of credit eligibility information, such as certain information
from credit bureaus and your application, as provided in the It’s Your Choice
section below. Subject to your right to opt out, GEMB Affiliates also
may use information from us concerning your credit eligibility, and
your transactions and experience with us, to send you marketing
solicitations about products and services.
- Third Parties, who are interested in offering special products or services to you,
subject to your right to opt out as provided in the It’s Your Choice
section. For example, we disclose information, either directly or
through the Retailer/Merchant/Dealer and its affiliates and program
sponsors (as applicable) to financial services providers offering
products such as insurance, mortgages or loans, and non-financial
companies offering consumer products and services. We may disclose
name, address and telephone numbers, as well as Account purchase and
- Others:We report Account information, such as credit limit, balances and payment
information, to credit bureaus. In addition, we may buy and sell assets, lines of business
and/or Accounts. When this occurs, customer information generally is disclosed to bidders and
is one of the transferred business assets. We also disclose information about you to third
parties in certain other circumstances, as permitted by law.
It’s Your Choice
have the right to opt out of certain uses we may make of credit
eligibility information and our sharing of information with certain
third parties as described below. To opt out please call us toll-free
at 1-877-905-2097, or write to us at P.O. Box 981439, El Paso, TX
79998-1439. If you have previously informed us of your preference, you
do not need to do so again.
If you opt out, you will be directing us as follows:
Do not share information about me with companies other than with GEMB
Affiliates, and with the Retailer/Merchant/Dealer and its affiliates
and program sponsors (as applicable) for use in connection with this
credit program and as otherwise permitted by law. Do not share with
GEMB Affiliates information used to determine my eligibility for
credit. Do not allow GEMB Affiliates to solicit me for products and
services based on transaction, experience or credit eligibility
information they receive from GEMB. Do not use credit eligibility
information about me to market financial products to me that are not
related to my Account relationship and cannot be charged to my Account.
Important Notes About Your Choice
Our Security Procedures
- We maintain physical, electronic, and procedural safeguards that comply with federal
standards to guard nonpublic personal information about you. We limit access to personal and
Account information to those employees and agents who assist us in providing products and
services to you. We also require third parties to whom we disclose nonpublic personal
Your Access to Information
- We provide you access to information about your Account by sending you monthly billing
statements outlining your transactions, finance charges, and other Account information,
and by providing customer service representatives to answer your questions.
How This Policy Applies to You
intended to be all-inclusive. If you decide to close your Account or become an inactive
customer, or if we close or suspend your Account, we will continue to adhere to the
privacy policies and practices described in this notice to the extent we retain information
as required by law. You may have other privacy protections under state laws and we will
comply with applicable state laws when we disclose information about you. This Privacy
Policy applies only to this consumer credit Account with GE Money Bank and
does not apply to any other accounts you may have with us, and replaces our previous
disclosures to you about our information practices.
understand that, even if you opt out as described above, we will
continue to share information with the Retailer/Merchant/Dealer and its
affiliates and program sponsors (as applicable) associated with this
Account, joint marketing partners and service providers as described in
this policy, and as otherwise permitted by law. And we will continue to
share information that identifies you, and about your transactions and
experiences with us, with GEMB Affiliates.
- If you have a joint account, a request by one party will apply to all parties on the
- We will process your request promptly. However, it may take us several weeks to ensure that
all records are updated with your preference. In the interim, you may continue to be
included in programs as described above. Also, after your request is processed, you may
still be contacted by GEMB Affiliates and/or other companies based on their own information.
if you opt out, we will continue to provide you with billing inserts
and mail notices of special offers and new benefits. We will also
continue to use your information (including credit eligibility
information) to offer you special benefits, features and/or services on
- Vermont Residents: If (and while) your
billing address is in Vermont, we will treat your Account as if you had
exercised the opt-out choice described above and you do not need to
contact us in order to opt out. If you move away from Vermont and you
wish to restrict us from sharing information about you as provided in
this Policy, you must then contact us to exercise the opt-out choice