GE Money Bank.
for the Following Specified
Types of Consumer Accounts:
Grossman's, Bargain Outlet, Contractors Warehouse, McCoys, Menards, PROJECTLINE,
Diamond Exteriors, Sears, Associates, U.S. Window Finance, Great Lake
Windows, ABC Supply, Valu Home Center, Cutting Edge, Snapper, HWI-Do It
Best, Ace Hardware, 84 Lumber, Foxworth-Galbraith, Sutherlands, Carter
Lumber, Satellite Receivers, Only Diamonds, All Systems, Winning Margin,
Culligan, Kinetico, CRS-Supercom, Green Leaf, Syms, Dick's Sporting Goods,
Cherry & Webb, Cost Plus/World Market, Musician's Friend, Giardinelli,
Mars Music, Lamonts, Bryant, Climate Select, Lennox-Service Experts, Payne,
American Residential Services (ARS), Traco Value Plus, Remodel America,
Anthony & Sylvan, AquaVantage, Marquis Spas, U.S. Remodelers, Owens
Corning, Coleman Spas, Honda, Leath, Modernage, Leather & Dining for
Less, Select Comfort, Helig Meyers, Andersons, RoomSource, Furniture.com,
Paccar Automotive, Cub Cadet, White Outdoor, Gardenway-Troy-Bilt, Bassett
Furniture, Agri-Credit, Keynotes, RoomStore, Window Mart, Erie Controls,
Dixie HomeCrafters, K-Designers, Thermal Industries, American Exteriors,
Ingersol-Rand, Hansons, Rheem, Tuff Shed, Napco, FUNancing/KTM, Home Improvement Loans,
and Consumer Installment Loans.
Please read it carefully. The Policy applies to applicants and accountholders
on consumer Accounts, with GE Money Bank. ("GEMB,"
"We" or "Us") for the account types specified above
(each, a "Program").
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, to the extent permitted
by law, with the following types of third parties: (these examples are
not intended to be all-inclusive):
Retailer Associated With the Account, if the Account is a Retail Credit
Card, and its Affiliates, for use in connection with the 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 your application
or Account and perform other Program functions or for other purposes
permitted by law. They may use their affiliates, licensees, or third-party
service providers (such as modeling and database companies) to assist
them in any of these activities.
Providers, (including our affiliates) to assist us in evaluating
applications, and 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.
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.
Affiliates, who are other companies in the General Electric Company
corporate family ("GE Family"), 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.
And, subject to your right to opt out, our 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.
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 below. For example, we disclose information,
either directly or through Retailer, to financial services providers
offering products such as insurance, mortgages or loans, and nonfinancial
companies offering consumer products and services. We may disclose
name, address and telephone numbers, as well as Account purchase and
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
Your Choice You have the right to opt
out of our sharing of information with certain third parties, as
described below. If you have previously informed us of your preference,
you do not need to do so again. To opt out please complete the attached
form, sign it, and return it to us at P.O. Box 6160, Rapid City,
SD 57709-6160 or call the toll-free customer service telephone number
set forth on your billing statement if you would like to request
About Your Choice
understand that, even if you opt out as described above, we will continue
to share information with the Retailer, if any, associated with the
Account, joint marketing partners and service providers as described
in this policy, and as otherwise permitted by law. And we may continue
to share information that identifies you, and information about your
transactions and experiences with us, with companies within the GE
you have a joint account, a request by one party will apply to all
parties on the account.
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 our 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.
Residents: If your billing address is in Vermont, we will code
your Account as if you had exercised only the first opt-out choice
described above and you do not need to contact us in order to exercise
the first opt out 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
we provide customer service representatives to answer your questions.
How This Policy Applies to You The examples contained in
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 about you. We may amend this Privacy
Policy at any time, and we will inform you of changes 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
listed above and does not apply to any other accounts you may have with
us, and replaces our previous disclosures to you about our information
practices in connection with the Programs listed above.