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CITIGROUP PRIVACY POLICY
 
INFORMATION ABOUT COOKIES

Cookies facilitate certain features that can make the on-line experience more convenient and valuable for Web users.

A "cookie" is a small piece of information which a web server may place on your computer when you visit a web site. This is useful for having your browser remember some specific information which the web server can later retrieve. When you quit your browser, some cookies may be stored in your computer's memory in a cookies file.  Many cookies last only through a single session, or visit. Others may have an expiration date, or may remain on your computer until you delete them. The cookie is set on a particular browser on a particular computer, so when you use a different computer, the cookie will not exist.

Cookies are used, for example, when a browser stores your password to a particular site so that you do not have to input it every time you visit. Cookies are also used to store preferences you express for information that is then aggregated and presented to you.

How We Use Cookies

We use cookies for a number of purposes - for example, to maintain continuity during a user session, to gather data about the usage of our web site for research and other purposes, to store your preferences for certain kinds of information and marketing offers, or to store a username or encrypted customer identification number so that you do not have to provide this information every time you return to our site.

Our cookies will track only your activity relating to our online promotions, which may be located at our web site or the web sites of others, and your online activity on our web site. They will not track your other internet activity. Cookies set by us cannot be read by and are not shared with any non-Citigroup web site, although we may share some of the cookie information we gather with other Citigroup companies. Our cookies typically do not gather personally identifiable information.

Cookie Filters

You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain of our online services or web site features.

Your browser software may contain a feature which is intended to notify you of the cookie policies of the various web sites you visit. Browser software frequently contains a version of such a cookie-filtering device, commonly known as P3P. To learn more about P3P and how it may affect your online experience go to www.w3.org/P3P. This site has attempted to be compatible with the P3P privacy filtering tool. However, P3P is still an evolving standard and therefore, we are not responsible for any problems you experience when using a P3P filter, or any discrepancies between the machine-coded statement of our privacy program which is read by the P3P tool and the human readable program which you see here on this site. Our Internet Privacy statement and our Privacy Notice are the controlling documents to which you should refer if you have questions about privacy and this site.

Cookies of Other Companies

We occasionally use other companies to set cookies on our web sites and gather cookie information for us. In some cases we will also use another company to operate web servers for our sites. We use the cookie information gathered by these companies in the same manner as stated in the previous section. The companies we use may not use these cookies for their own internal purposes or share the information gathered with anyone other than Citibank, in accordance with the terms of the contracts they have signed with us.

Because of the way in which P3P works, these companies must provide their own human-readable and machine-coded privacy statements regarding the cookies they set for us, or the web sites they operate for us. Because, as explained above, P3P is still an evolving standard, we are not responsible for the accuracy of such statements, any discrepancies between another company's machine-coded and human readable statements or any problems you may experience when using a P3P filtering tool.

General Website Practices

In addition to the information we collect from cookies, we also obtain information which you provide to us online - for example, when you are doing your online banking with us, when you use our tools and calculators or when you submit an application or otherwise communicate with us. In some cases, we retain both the cookie information and/or the information you provide to us online - for example, to complete a transaction you requested or to keep historical records of your past transactions. In other cases - for example, when you use our tools and calculators - we only retain the cookie and/or online information you give us if you request us to do so for your use in subsequent sessions.


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