a valued member, we are committed to providing you with exceptional service and
product offers. To do this, we rely on, and sometimes share with other parties,
information about you. We want you to understand what information we collect,
how we share it, and the steps we take to protect member information. We also
want you to understand the choice you have regarding our sharing of information
Accounts of Synchrony Bank (“SYNCB,” “We” or “Us”).
We collect personally
identifiable information about you, other applicants, and authorized users for
many reasons, including to help identify you, evaluate your application, service
and manage your Account, and broaden our relationship with you (such as by offering
you products or services that you may find valuable). We collect this information
from a number of sources, including the following:
provided by you on Account applications and other forms, including identifying
information such as address, telephone number, e-mail address, social security
number, date of birth, and mother's maiden name, and credit information such as
income and employment.
obtained through your transactions and relationship with us, our affiliates, SAM’S
CLUB and others, such as items purchased, payments, payment method, and information
provided on member service and collections calls.
provided by credit bureaus and similar companies, such as your account and payment
history with other lenders.
provided by other third parties, such as demographic firms, in connection with
obtained online, including from “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.
We Share with Others
We may use
and share all law, with the following (these examples are not intended to be all-inclusive):
CLUB and its affiliates: To assist you in using your Account, we provide
application information about you, your Account number and other information to
SAM’S CLUB and its affiliates for use in connection with the SAM’S CLUB program
and as otherwise permitted by law. This information might be used, for example,
to enable their associates to answer questions about your Account, or to look
up your Account number for you. Access to this information also enables SAM’S
CLUB to provide you with notices of special promotions and other tailored offerings,
as well as to update its member records and to perform other SAM’S CLUB program
functions. 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: We provide information to SAM’S CLUB and other companies (including
our affiliates) to assist us in servicing Accounts, like preparing billing statements
and promotional materials, and responding to member inquiries. We also may use
marketing firms, such as modeling companies, to assist us in our own marketing
Marketing: We may provide information about you and your Account to another
financial institution to jointly offer financial services and/or products, such
as loan products or credit insurance. We may provide information about you and
your Account to another financial institution to jointly offer financial services
and/or products, such as loan products or credit insurance.
Affiliates: Our affiliates are other companies in the General Electric
Company corporate family (“GE Family”).
In addition to using affiliates to perform services in connection with your Account,
we may provide information, such as identification, transaction and experience
information, to financial services affiliates, such as those offering insurance
and investment products, and we may provide information to nonfinancial services
affiliates, such as those offering consumer products.
For some programs, we also may provide such affiliates with information from your
application used to determine your eligibility for credit (e.g., income) and from
credit bureaus, such as your credit score or credit history (collectively, “Consumer
Report Information,” which does not include identification information or our
transaction and experience information). See
“It’s Your Choice” for details on how to be excluded from our sharing of such
Consumer Report Information.
Offers: We work with select outside companies to develop special offers
for you, which many of our members find valuable. For example, we disclose information,
either directly or through SAM’S CLUB, to financial services providers, such as
companies offering insurance, mortgages, or loan products, and to nonfinancial
companies, such as those offering card registries, clubs tailored to your interests
(like travel clubs), and other consumer products and services. The information
we disclose may include name, address and telephone numbers, as well as Account
purchase and performance history. See “It’s Your Choice” for details on how to
be excluded from these programs.
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, member 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 — Many members appreciate receiving information about products
or services offered by other companies that may be of interest to them. However,
we want you to have a choice. If you have previously informed us of your preference,
you do not need to do so again.
call us toll-free at 1-877-969-9021, or write to us at P.O. Box 103064, Roswell,
GA 30076, if you would like to request the following:
do not share information about me with companies outside the GE Family, other
than with SAM’S CLUB and its affiliates for use in connection with the SAM’S CLUB
program and as otherwise permitted by law. And please do not share Consumer Report
Information about me with companies within the GE Family.
Please understand that, even if you select this choice, we also will continue
to share information with joint marketing partners and service providers as described
in this policy, and as otherwise permitted by law.
Notes About Your Choice
you have a joint account, a request by one party will apply to all parties on
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.
Please note that after your request is processed, you may still be contacted by
our affiliates and/or other companies based on their own information.
We will continue to provide
you with billing inserts and mail notices of special offers and new benefits.
The security of member
information is very important to us and we take a number of steps to safeguard
it. 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. Employees who fail to follow our
established standards are subject to disciplinary action. We also require third
parties to whom we disclose nonpublic personal information to adhere to this Privacy
Policy and to establish information security procedures.
Your Access to Information
provide you access to information about your Account in several ways. For example,
we send you monthly billing statements outlining your transactions, finance charges,
and other Account information. You may also call the member service telephone
number if you have additional questions about your Account. For instructions on
how to dispute billing information or information we have reported to a credit
bureau, please see your Account Agreement or the reverse of your billing statement.
How This Policy Applies to You
not intended to be all-inclusive. If you decide to close your Account or become
an inactive member, 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
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
SAM’S CLUB Accounts of SYNCB and does not apply to any other accounts you may
have with us, and replaces our previous disclosures to you about our information
Si desea recibir una copia
de este aviso en español por favor llame al 1-800-417-8321.