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PRIVACY AND SECURITY
 

Privacy Policy Overview—Revised as of January 2008

We respect your right to personal privacy, online and off. Our privacy policy has been verified by BBBOnLine Privacy Program, an independent organization that objectively reviews and audits privacy and security practices to promote trust and confidence on the internet. More information about BBBOnLine is available at www.bbbonline.org. Our Privacy Policy is designed to provide you with protection and value. And it's written in "plain English." Here are the highlights:

  • We do not sell information about you or your Accounts.
  • When we share information, it is only according to the guidelines described in our Privacy Policy.
  • We do not share information with third party marketers unless you expressly authorize us to share the information.
  • You control how we contact you. As described in our Privacy Policy, you may exercise your options online, by mail or by phone.
  • We have developed state-of-the-art security to protect against the misuse of your information.

Our Privacy Policy will evolve to meet the changing world in which we operate and we will promptly advise you of any change.

I invite you to read our Privacy Policy below. If you have any questions or if anything is unclear, please email us at privacy@BarclaycardUS.com or contact a Customer Care Representative at 1-877-523-0478.

Larry Drexler
Good Counsel
Barclays

Cardmember Privacy Policy

We believe that Privacy is a cornerstone of our customer relationship. In designing our business, we strive to find methods to guard your privacy while affording you opportunities to save time and money.

  • We do not sell information about our customers, their Accounts, or transactions to others for their use. We do share information as described in this Privacy Policy.
  • We do not share information about your Accounts or transactions except in the limited circumstances described below.
  • When we do share information it is limited to the information necessary for the particular circumstance and only under strict controls to prevent misuse.
  • We restrict access to the information we obtain about you to only those employees and service providers who need to know that information to provide you products or services.
  • We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard against misuse of the information we obtain.

Your Privacy Options—Offers of Goods and Services

We provide a number of information-sharing options. If you access your Account online, select the ALERTS/PROFILE page where you can choose not to accept offers for (a) special opportunities from our selected partners and/or (b) special features and benefits related to your credit card account.. You can also elect the method by which you will receive the offers: mail, email or telephone.

You may also exercise or change your choices by calling our Customer Service Center. If you do not contact us to make an election or enter your preferences online, we will send you offers for products and services from us, our affiliates, and financial marketing partners, as well as offers of third-party goods and services by mail, email and telephone. (We will, of course, contact you regarding your Account and related items regardless of your election.)

If you would like to review or change your election you may do so, at any time, by visiting the ALERTS/PROFILE page at the web address listed on the back of your card, by calling us at 1-877-523-0478 or by writing to Barclays Bank Delaware, P.O. Box 8801, Wilmington, DE 19899-8801.

Collection of Information

We collect customer information from a variety of sources:

  1. Application Information (the information you provide us on your applications and other forms such as names, addresses, telephone numbers, birthday, social security numbers, level of family income, employer's name, and employer's address);
  2. Transaction Information (your transactions with us and with our affiliates and partners, and your use of our products);
  3. Credit reports (information from consumer reporting agencies);
  4. Correspondence (the information you provide when communicating in writing, online, or by phone with our Customer Service Center, as well as our response and follow-up correspondence with third parties concerning, for example, resolution of disputed transactions);
  5. Marketing partners and publicly available databases. (We receive information from our marketing partners, e.g., colleges, universities, charities, financial institutions, and other businesses and public databases, which are used to help us serve you.)

We use this information to evaluate your applications, establish and maintain your Account(s), carry out your transactions, provide you with high-quality service, prevent fraud, and, unless you instruct us otherwise, inform you of offers for our other products as well as products and services offered by third parties. We may also use this information to confirm your identity when you call us to inquire about your Account(s).

Cookies

"Cookies" are small computer files that are automatically placed on your computer's hard drive when you are connected to a website or remote server so that the website can recognize you upon your return to the website and tailor your experience based on your earlier use of the site. "Action tags" (also known as Web Beacons, Trackers, or Bugs) are invisible pixel .gif files placed on web pages that are used to track web navigation to those pages.

We use a cookie for each computer that visits our site. The cookie is integral to the customer experience and is necessary to use our online services. It allows us to customize the website presentation based on your Accounts. While cookies, including ours, can be disabled, if you disable our cookie you will not be able to use our website.

Our cookie does not collect information from your hard drive; rather, it allows us to recognize you and know how you navigated through our site. It is also part of our effort to detect and stop fraud.

Cookies may be used by our partners who have links on our website. These cookies allow those vendors to recognize you and monitor your use of the site. For more information about their use of cookies see their privacy policies, links to which are available below.

We also may place web advertisements that link to our site from other websites. The companies that place or "serve" the advertisements use their own cookies, which are different from the cookie on the site on which the advertising appears. The cookies used by the companies that may serve ads for us do not track your name, address, email address, or phone number. The ad server's cookie does recognize your computer and allows the ad server to determine automatically which ads to show you, based on your use of our site, other sites you have visited, and ads you have previously seen and/or responded to. The ad server also uses action tags to understand how a person navigated on our site after responding to one of our banner ads. This information is never linked to an individual and is only used in aggregate with other information generated by visitors to our site. You have the right to elect not to participate in this anonymous tracking of information, which is used to select which ads to display when you visit certain websites. In order to determine your comfort level with these companies' information practices you should review their privacy policies. Click on the advertiser name below to go to its website to learn more about that agency's privacy policy, its use of cookies and action tags, and the options available to you in relation to those cookies.

At present, we do not allow third-party serving of advertising on our website. To the extent we do allow advertisements, we will post a link from our online Privacy Policy to the privacy policy of the company or partner that is referenced in each advertisement. We recommend that you review each company or partner's privacy policy including their use of cookies to understand their information handling practices and your options.

Hertz
Insurance.com
Teleflora
Time

Trilegiant Corporation Offers:
CompleteHome
Great Fun
Shoppers Advantage

Sharing Information

We may disclose information about you to the following types of third parties: service companies (companies that provide us services in order to process transactions, provide statements, maintain our website and provide customer service, including customer contact); affiliates (companies owned by Barclays Bank Delaware owner, Barclays Financial Corp.); non-financial companies (merchants who offer non-financial goods and services to our customers); partners (universities, colleges, charities, and financial institutions through which we market products); financial service providers (companies with which we partner to market financial products); and credit bureaus, collection agencies, law enforcement regulators and professionals such as lawyers and accountants. Outlined below is the information shared with each type of third party and as appropriate, your options.

i. Barclays Financial Corp. and Affiliates

Barclays Financial Corp. is a Delaware bank holding company that owns Barclays Bank Delaware. Both Barclays Financial Corp. and Barclays Bank Delaware are a part of the Barclays PLC family of companies. As stated in our Account Agreements and applications, we may share information with our affiliates (companies that are at least 50 percent owned by Barclays PLC). The information sharing by affiliates may be related to one or more of four areas: servicing your Account; regulatory and legal compliance; fraud and loss protection; and/or furnishing information about offers of goods and services offered by our affiliates. You may elect not to receive offers from our affiliates, and thereby prevent information from being shared for that purpose, by visiting us online at the web address listed on the back of your card or by calling our Customer Service Center at 1-877-523-0478. For more information regarding your options regarding information sharing with our affiliates, see "Your Privacy Options" above.

ii. Sharing Information with Service Companies

In order to provide quality service and statements, both online and offline, we contract with service providers for essential roles in processing transactions and producing statements and providing customer service including contacting customers. We may disclose some or all of the information we collect to these processors and service providers but only the information needed to provide the service. Each of our service providers has entered into a contract with us that forbids them from using information provided by us for any purpose other than providing the service for our customers. We take security precautions to monitor the use of the information and prevent the use of the information for any other purpose.

iii. Sharing Information with Merchants

We do not share any information with unrelated merchants for the purpose of extending offers of goods and services without your consent. The manner and use of information varies according to the method used to deliver the offer.

  1. Mail and email offers. We may provide offers of goods and services to you by mail and email without sharing information with the merchants who provide these goods and services. We do this by controlling the process by which the offers are extended. For example, a merchant wants to make a discount offer to our Account holders. Based on our knowledge of our customers, we select the Account holders we believe will most likely be interested in the offer and arrange to have a service provider mail or email the offer to you under the same security precautions we use to send a monthly statement. The only information we provide the mail or email service provider is your name and address. Our contract with the service provider prohibits use of your name and address for any other purposes, and we take security precautions to monitor compliance. The merchant gets no information about you unless, and until, you respond to the offer. For more information about consent to receive offers see "Your Privacy Options" above.
  2. Phone offers. We may provide offers of goods and services by telephone. In doing so, we do not disclose any of your personal information to merchants on whose behalf we extend the offers of goods and services. To the extent we engage a service provider to assist us in extending the offer, the only information we will provide the service provider is your name, address, phone number, and an internal reference number. We provide your name, address, and phone number to allow our service provider to contact you. The internal reference number cannot be used to process a charge to your Account. The internal reference number is used by the service provider to advise us that you have agreed to a transaction. When you accept an offer, we use the internal reference number to match the transaction to your Account to allow the transaction to be processed without you giving your Account number over the phone. This process provides two advantages: first, it minimizes the possibility of misuse of your Account by limiting those with access to your Account number; and second, you know that the offer is being extended by us and will include a generous return and refund policy to allow you to shop in confidence. We also take security precautions to monitor and prevent misuse of the information provided to the service provider. For more information about your consent to receive offers see "Your Privacy Options" above.

iv. Sharing Information with Partners

We offer our products in conjunction with colleges, universities, charities, financial institutions and other businesses. By joining through one of these endorsed relationships, you agree to the sharing of information with that partner. These relationships are clearly stated in the Account application and by applying for these products you agree to the information sharing by us and the partner, which may include: your name, address, phone number, and email address. To the extent a program includes a rewards program or other benefit based on Account usage, we will provide the partner with information necessary to manage the program, including, as an example and not a limitation, number of transactions and dollar amount of purchases, payments, and credits. By applying for these products, you consent to sharing information necessary to support the particular program.

v. Joint Marketing

From time to time, we may enter into marketing agreements with other financial institutions to jointly offer a product. In these cases, we may share all information we collect about you to determine your eligibility for the products and to extend an offer to you. This information sharing will be subject to the same contractual restrictions and security precautions used for sharing information with service providers and vendors. Your options regarding these offers (and the sharing of information) are the same as those available for information sharing with one of our affiliates.

vi. Credit Reports and Other Uses of Information

In applying for an Account, you agree that we may request consumer credit reports from one or more credit reporting agencies in connection with your application and after the opening of your Account, the administration of your Account. You also authorize us to exchange credit information concerning you or your use of the Account with (and answer questions and requests from) others, such as merchants, other lenders, and credit reporting agencies.

We also share information with collection agencies, lawyers, accountants, auditors, bank regulators, and law enforcement as may be necessary in the administration of your Account or to respond to a legal inquiry or subpoena.

Minors

We do not knowingly offer products and services to minors. Similarly, we do not collect information about children, except to identify beneficiaries. Our application approval process is designed to identify applications submitted by children and to prevent their opening an Account. We may offer Uniform Gifts to Minor Accounts which typically include the name of the minor but may only be opened with an adult signatory on the Account.

Access to Account Information and Correction of Errors

You have the right to access your Account details and transaction information, including your application. Up to sixteen months of statements are available on the customer service website. If you have a question or believe there is an error on your Account, write, log in to send us an email via our secure website, or call us as soon as possible so as not to lose any rights. When contacting us be sure to include your name and Account number (if corresponding through a secure channel), along with a description of the error including the dollar value.

Questions

We are committed to customer service and privacy. If you have any questions, comments, or concerns regarding our Privacy Policy and its implementation, please do not hesitate to email us at privacy@BarclaycardUS.com, or call us at 1-877-523-0478.

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