IKEA Card application
IKEA Consumer Credit Card Program
sharing practices. Please read it carefully. The Policy applies only
to current and former customers and applicants in their relationships
with us relating to consumer IKEA Credit
Card Accounts of Synchrony Bank ("SYNCB," "we" or "us").
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):
IKEA North America Services, LLC and its affiliates, for use
in connection with the consumer IKEA Credit Card
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 Account and perform other IKEA Credit Card 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.
Service Providers, (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 your Account.
Our 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.
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 below. For example, we disclose
information, either directly or through IKEA North America
Services, LLC, 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 performance history.
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.
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
establish information security procedures.
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 - The examples contained in
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 about
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.
any other accounts you may have with us, and replaces our previous
disclosures to you about our information practices.
It's Your Choice - You have the right to opt out of our sharing of information with certain third parties, as described below. To opt out please call us toll-free at 1-866-499-3761,or write to us at P.O. Box 981400, El Paso, TX 79998-1400.If you have previously informed us of your preference, you do not need to do so again.
Please do not share information about me with companies outside the GE Family, other than with IKEA North America Services, LLC and its affiliates for use in connection with the IKEA Credit Card program and as otherwise permitted by law. Please do not share with companies within the GE Family information you use to determine my eligibility for credit. And please do not allow companies within the GE Family to solicit me for products and services based on transaction, experience or credit eligibility information they receive from you.
Important Notes About Your Choice
- Please understand that, even if you opt out as described above, we will continue to share information with the retailer associated with your 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 companies within the GE Family.
- If you have a joint account, a request by one party will apply to all parties on the account.
- 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 our affiliates and/or other companies based on their own information.
- Even if you opt out, we will continue to provide you with billing inserts and mail notices of special offers and new benefits.
- 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 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 described above.
IKEA PRIV 11/05