To see the Synchrony Bank Privacy Policy for:

























































































































SYNCHRONY BANK PRIVACY POLICY
FOR FLEET REWARDS® VISA® CREDIT CARD AND FLEET REWARDS® CREDIT CARD(S)

Rev. 3/17
FACTS WHAT DOES SYNCHRONY BANK
DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit scores
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Synchrony Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Synchrony Bank share? Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		 Yes No
For our marketing purposes—
to offer our products and services to you		 Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes—
information about your transactions and experiences		 Yes No
For our affiliates’ everyday business purposes—
information about your creditworthiness		 Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes   Yes*

To limit
our sharing
  • Call 1-855-485-6322 for Fleet Rewards® Visa® Card and Fleet Rewards® Credit Card—our menu will prompt you through your choice(s)
Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice, or earlier if you consent or for types of information for which you do not have the right to limit our sharing. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.
Questions? Call 1-855-485-6320 for Fleet Rewards® Visa® Credit Card
Call 1-855-485-6223 for Fleet Rewards® Credit Card


Page 2  
What we do
How does Synchrony Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Synchrony Bank collect my personal information? We collect your personal information, for example, when you
  • open an account or give us your contact information
  • provide account information or pay your bills
  • use your credit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
 Your choices will apply to everyone on your account.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include financial companies, such as Synchrony Financial and its subsidiaries, including Retail Finance Credit Services, LLC and CareCredit LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share with can include the retailer named on your account and direct marketing companies.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include insurance companies.
Other important information
If your account has a California or Vermont billing address, you are automatically treated as if you have chosen to limit our sharing of information with affiliates and nonaffiliates. If your account has a California billing address, we will not share information for joint marketing purposes with other financial companies. If your account no longer has a California or Vermont address, these special rules will stop applying and you will need to notify us if you want to exercise your right to restrict our sharing of information with affiliates or nonaffiliates.

*Please keep in mind that, as permitted by federal law, if you choose to limit our sharing of information with nonaffiliates, your choice will not prohibit us from sharing your information with Fleet Wholesale Supply Co., Inc. (and its affiliates) in connection with maintaining and servicing the Fleet Rewards® Visa® Card and Fleet Rewards® Credit Card program(s), including marketing of such program(s).

The above notice applies only to consumer Fleet Rewards® Visa® Card and Fleet Rewards® Credit Card Accounts with Synchrony Bank and does not apply to any other accounts you have with us. It replaces our previous privacy notice disclosures to you. We can change our privacy policy at any time and will let you know if we do if/as required by applicable law.

For helpful information about identity theft, visit the Federal Trade Commission's (FTC) consumer website at https://www.identitytheft.gov/ .

Privacy 8
PRIV—FLEET FARM
[WF3027322D]
1/2021
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SYNCHRONY BANK PRIVACY POLICY
FOR CITGO REWARDS® CREDIT CARD(S)

Rev. 3/17
FACTS WHAT DOES SYNCHRONY BANK
DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit scores
How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Synchrony Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Synchrony Bank share? Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		 Yes No
For our marketing purposes—
to offer our products and services to you		 Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes—
information about your transactions and experiences		 Yes No
For our affiliates' everyday business purposes—
information about your creditworthiness		 Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes   Yes*

To limit
our sharing
  • Call 1-855-598-4883 — our menu will prompt you through your choice(s)
Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice, or earlier if you consent or for types of information for which you do not have the right to limit our sharing. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.
Questions? Call 1-855-598-4879


Page 2  
What we do
How does Synchrony Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Synchrony Bank collect my personal information? We collect your personal information, for example, when you
  • open an account or give us your contact information
  • provide account information or pay your bills
  • use your credit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates' everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
 Your choices will apply to everyone on your account.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include financial companies, such as Synchrony Financial and its subsidiaries, including Retail Finance Credit Services, LLC and CareCredit LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share with can include the retailer named on your account and direct marketing companies.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include insurance companies.
Other important information
If your account has a California or Vermont billing address, you are automatically treated as if you have chosen to limit our sharing of information with affiliates and non-affiliates. If your account has a California billing address, we will not share information for joint marketing purposes with other financial companies. If your account no longer has a California or Vermont address, these special rules will stop applying and you will need to notify us if you want to exercise your right to restrict our sharing of information with affiliates or non-affiliates.

*Please keep in mind that, as permitted by federal law, if you choose to limit our sharing of information with nonaffiliates, your choice will not prohibit us from sharing your information with CITGO Petroleum Corporation (and its affiliates) in connection with maintaining and servicing the CITGO Rewards® Card program(s), including marketing of such program(s).

The above notice applies only to consumer CITGO Rewards®Credit Card Accounts with Synchrony Bank and does not apply to any other accounts you have with us. It replaces our previous privacy notice disclosures to you. We can change our privacy policy at any time and will let you know if we do if/as required by applicable law.

For helpful information about identity theft, visit the Federal Trade Commission's (FTC) consumer website at https://www.identitytheft.gov/ .

Privacy 8
PRIV—CITGO
[WF3037964C]
1/2021
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SYNCHRONY BANK PRIVACY POLICY
FOR TECHRON ADVANTAGE® VISA® CARD AND TECHRON ADVANTAGE® CREDIT CARD(S)

Rev. 3/17
FACTS WHAT DOES SYNCHRONY BANK
DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit scores
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Synchrony Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Synchrony Bank share? Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		 Yes No
For our marketing purposes—
to offer our products and services to you		 Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes—
information about your transactions and experiences		 Yes No
For our affiliates’ everyday business purposes—
information about your creditworthiness		 Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes   Yes*

To limit
our sharing
  • Call 1-877-885-6691 for Chevron and/or Texaco Techron AdvantageTM Credit Card; 1-866-448-5703 for Chevron and/or Texaco Techron AdvantageTM Visa Card—our menu will prompt you through your choice(s)
Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice, or earlier if you consent or for types of information for which you do not have the right to limit our sharing. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.
Questions? Call 1-800-243-8766 for Chevron and/or Texaco Techron AdvantageTM Credit Card
Call 1-866-448-4367 for Chevron and/or Texaco Techron AdvantageTM Visa Card


Page 2  
What we do
How does Synchrony Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Synchrony Bank collect my personal information? We collect your personal information, for example, when you
  • open an account or give us your contact information
  • provide account information or pay your bills
  • use your credit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
 Your choices will apply to everyone on your account.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include financial companies, such as Synchrony Financial and its subsidiaries, including Retail Finance Credit Services, LLC and CareCredit LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share with can include the retailer named on your account and direct marketing companies.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include insurance companies.
Other important information
If your account has a California or Vermont billing address, you are automatically treated as if you have chosen to limit our sharing of information with affiliates and non-affiliates. If your account has a California billing address, we will not share information for joint marketing purposes with other financial companies. If your account no longer has a California or Vermont address, these special rules will stop applying and you will need to notify us if you want to exercise your right to restrict our sharing of information with affiliates or non-affiliates.

*Please keep in mind that, as permitted by federal law, if you choose to limit our sharing of information with nonaffiliates, your choice will not prohibit us from sharing your information with Chevron U.S.A. Inc. (and its affiliates) in connection with maintaining and servicing the Techron Advantage® Visa® Card or Techron Advantage® Credit Card program(s), including marketing of such program(s).

The above notice applies only to consumer Techron Advantage® Visa® Card or Techron Advantage® Credit Card Accounts with Synchrony Bank and does not apply to any other accounts you have with us. It replaces our previous privacy notice disclosures to you. We can change our privacy policy at any time and will let you know if we do if/as required by applicable law.

For helpful information about identity theft, visit the Federal Trade Commission's (FTC) consumer website at https://www.identitytheft.gov/.

Privacy 8
PRIV-CHEVRON AND TEXACO
[WF3037260L]
1/2021
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SYNCHRONY BANK PRIVACY POLICY
FOR PHILLIPS 66® CREDIT CARD , CONOCO® CREDIT CARD , 76® CREDIT CARD, AND PHILLIPS 66® AVIATION
CREDIT CARD(S)

Rev. 3/17
FACTS WHAT DOES SYNCHRONY BANK
DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit scores
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Synchrony Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Synchrony Bank share? Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		 Yes No
For our marketing purposes—
to offer our products and services to you		 Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes—
information about your transactions and experiences		 Yes No
For our affiliates’ everyday business purposes—
information about your creditworthiness		 Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes   Yes*

To limit
our sharing
  • Call 1-855-659-9784—our menu will prompt you through your choice(s)
Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice, or earlier if you consent or for types of information for which you do not have the right to limit our sharing. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.
Questions? Call 1-855-513-1176


Page 2  
What we do
How does Synchrony Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings
How does Synchrony Bank collect my personal information? We collect your personal information, for example, when you
  • open an account or give us your contact information
  • provide account information or pay your bills
  • use your credit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
 Your choices will apply to everyone on your account.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include financial companies, such as Synchrony Financial and its subsidiaries, including Retail Finance Credit Services, LLC and CareCredit LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share with can include the retailer named on your account and direct marketing companies.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include insurance companies.
Other important information
If your account has a California or Vermont billing address, you are automatically treated as if you have chosen to limit our sharing of information with affiliates and nonaffiliates. If your account has a California billing address, we will not share information for joint marketing purposes with other financial companies. If your account no longer has a California or Vermont address, these special rules will stop applying and you will need to notify us if you want to exercise your right to restrict our sharing of information with affiliates or nonaffiliates.

*Please keep in mind that, as permitted by federal law, if you choose to limit our sharing of information with nonaffiliates, your choice will not prohibit us from sharing your information with The Phillips 66 Company (and its affiliates) in connection with maintaining and servicing the Phillips 66® Credit Card,Conoco®Credit Card, 76®Credit Card, or Phillips 66® Aviation Credit Card program, including marketing of such programs.

The above notice applies only to the consumer Phillips 66®Credit Card, Conoco®Credit Card, 76®Credit Card, or Phillips 66® Aviation Credit Card Accounts with Synchrony Bank and does not apply to any other accounts you have with us. It replaces our previous privacy notice disclosures to you. We can change our privacy policy at any time and will let you know if we do if/as required by applicable law.

For helpful information about identity theft, visit the Federal Trade Commission's (FTC) consumer website at https://www.identitytheft.gov/.

Privacy 8
PRIV—P66
[WF3876248D]
7/2021
ONLINE HTML


POLÍTICA DE CONFIDENCIALIDAD DE SYNCHRONY BANK
PARA TARJETA(S) DE CRÉDITO PHILLIPS 66® , TARJETA DE CRÉDITO CONOCO® , TARJETA DE CRÉDITO 76® , Y TARJETA DE CREDITO PHILLIPS 66® AVIATION

Rev. 3/17
HECHOS ¿QUÉ HACE SYNCHRONY BANK CON SU INFORMACIÓN PERSONAL?
¿Por qué? Las compañías financieras eligen de qué manera compartir su información personal. La legislación federal les otorga a los consumidores el derecho a limitar en parte la información que se comparte, pero no toda. La legislación federal también nos exige que le informemos de qué manera recopilamos, compartimos y protegemos su información personal. Lea esta notificación atentamente para comprender qué hacemos.
¿Qué? Los tipos de información personal que recopilamos y compartimos dependen del producto o servicio que usted tiene con nosotros. Esta información puede incluir lo siguiente:
  • Número de Seguro Social e ingresos
  • Historial de pagos y saldos de cuenta
  • Historial de crédito y calificaciones crediticias
¿Cómo? Todas las compañías financieras necesitan compartir la información personal de los clientes para realizar sus actividades comerciales diarias. En la siguiente sección, enumeramos las razones por las que las compañías financieras pueden compartir la información personal de sus clientes; las razones de Synchrony Bank para compartirla; y si usted puede limitar la información compartida.

Motivos por los que podemos compartir su información personal ¿Synchrony Bank comparte información? ¿Puede usted limitar la información que Synchrony Bank comparte?
Para los propósitos de nuestras actividades comerciales diarias—
tales como procesar sus transacciones, mantener sus cuentas, responder a órdenes judiciales e investigaciones legales, o informar a las agencias crediticias 		Sí No
Para nuestros propósitos de comercialización—
para ofrecerle a usted nuestros productos y servicios 		Sí No
Para comercialización conjunta con otras compañías financieras Sí No
Para los propósitos de las actividades comerciales diarias de nuestras filiales—
información sobre sus transacciones y experiencias 		Sí No
Para los propósitos de las actividades comerciales diarias de nuestras filiales—
información sobre su capacidad crediticia 		Sí Sí
Para que nuestras filiales comercialicen con usted Sí Sí
Para que las compañías no afiliadas comercialicen con usted Sí Sí*

Para limitar la información que se comparte
  • Llame al 1-855-659-9784—Nuestro menú le dará instrucciones sobre sus opciones
Importante:

Si usted es un cliente nuevo, podemos comenzar a compartir su información 30 días después de la fecha en la que le enviamos este aviso o antes si está de acuerdo o bien si el tipo de información no le da derecho a limitar que la compartamos. Cuando usted deja de ser nuestro cliente, seguimos compartiendo su información, según se describe en este aviso.

Sin embargo, puede ponerse en contacto con nosotros en cualquier momento para limitar la información compartida.
¿Tiene preguntas? Llame al 1-855-513-1176


Página 2  
Qué hacemos
¿Cómo protege Synchrony Bank mi información personal? Para proteger su información personal de usos y accesos no autorizados, utilizamos medidas de seguridad que cumplen con la legislación federal. Estas medidas incluyen protecciones informáticas y de archivos y edificios seguros.
¿Cómo recopila Synchrony Bank mi información personal? Recopilamos su información personal, por ejemplo, cuando usted
  • abre una cuenta o nos proporciona su información de contacto
  • proporciona información de la cuenta o paga sus facturas
  • usa su tarjeta de crédito
También recopilamos su información personal a través de terceros, como agencias crediticias, filiales u otras compañías.
¿Por qué no puedo limitar toda la información que se comparte? La legislación federal le otorga el derecho de limitar solo lo siguiente
  • la información que se comparte para los propósitos de las actividades comerciales diarias de las filiales: información sobre su solvencia
  • que las filiales usen su información para comercializar con usted
  • la información que se comparte para que las compañías no afiliadas comercialicen con usted
Es posible que las leyes estatales y las compañías individuales le otorguen otros derechos para limitar la información compartida. Vea a continuación para obtener más información sobre sus derechos según la ley estatal.
¿Qué sucede cuando limito la información que se comparte para una cuenta que tengo en forma conjunta con otra persona? Sus opciones se aplicarán para cualquiera en su cuenta.
Definiciones
Filiales Compañías relacionadas por control común o condominio. Pueden ser compañías financieras o no financieras.
  • Nuestras filiales incluyen compañías financieras, como Synchrony Financial y sus subsidiarias, incluidas Retail Finance Credit Services, LLC y CareCredit LLC.
No afiliadas Compañías no relacionadas por control común o condominio. Pueden ser compañías financieras o no financieras.
  • Las compañías no afiliadas con las que compartimos información pueden incluir el minorista nombrado en su cuenta y compañías de mercadeo directo.
Comercialización conjunta Un acuerdo formal entre compañías financieras no filiales que conjuntamente comercializan servicios o productos financieros con usted.
  • Nuestros asociados comerciales conjuntos incluyen a compañías de seguro.
Otra información importante
Si su cuenta tiene dirección de facturación en Vermont o California, se considerará que usted ha elegido limitar que compartamos información con compañías filiales y no afiliadas. Si su cuenta tiene dirección de facturación en California, no compartiremos información con otras compañías financieras con fines de comercialización conjunta. Si su cuenta ya no tiene dirección en Vermont o California, estas reglas especiales no se aplicarán y deberá notificarnos en caso de que quiera hacer uso de su derecho a limitar la información que compartimos con compañías filiales y no afiliadas.

*Tenga en cuenta que, según lo permita la ley federal, si decide no compartir información con compañías no afiliadas, dicha opción no nos prohibirá compartir su información con Phillips 66 Company (y sus filiales) con relación al mantenimiento y los servicios de los programas Phillips 66®Personal Credit Card, Conoco®Personal Credit Card, 76® o Tarjeta De Credito Phillips 66® Aviation, incluida la comercialización de dichos programas.

La notificación anterior solo se aplica a las cuentas del consumidor de Cuentas Phillips 66®Personal Credit Card, Conoco ®Personal Credit Card, y 76® Personal Credit Card y Phillips 66® Aviation Personal Credit Card con Synchrony Bank y no se aplica a ninguna otra cuenta que tenga con nosotros. Reemplaza los avisos de las notificaciones privadas anteriores que se le enviaron. Podemos cambiar nuestra política de privacidad en cualquier momento y se lo comunicaremos en caso de hacerlo si lo requiere la legislación aplicable, o según esta lo requiera.

Para obtener información útil sobre el robo de identidad, visite el sitio web de la Federal Trade Commission (FTC, Comisión del Comercio Federal) en la siguiente dirección https://www.identitytheft.gov/.

Privacy 8
PRIV—P66
[WF3876248F]
7/2021
ONLINE HTML SPA











































































































































SYNCHRONY BANK PRIVACY POLICY
FOR CONSUMER CREDIT CARD(S)

Rev. 6/2021
FACTS WHAT DOES SYNCHRONY BANK
DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit scores
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Synchrony Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Synchrony Bank share? Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		 Yes No
For our marketing purposes—
to offer our products and services to you		 Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes—
information about your transactions and experiences		 Yes No
For our affiliates’ everyday business purposes—
information about your creditworthiness		 Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes   Yes*

To limit
our sharing
  • Call 1-877-905-2097—our menu will prompt you through your choice(s)
Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice, or earlier if you consent or for types of information for which you do not have the right to limit our sharing. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.
Questions? Call 1-877-905-2097


Page 2  
What we do
How does Synchrony Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Synchrony Bank collect my personal information? We collect your personal information, for example, when you
  • open an account or give us your contact information
  • provide account information or pay your bills
  • use your credit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
 Your choices will apply to everyone on your account.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include financial companies, such as Synchrony Financial and its subsidiaries, including Retail Finance Credit Services, LLC and CareCredit LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share with can include the retailer named on your account and direct marketing companies.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include insurance companies.

Other important information
If your account has a California or Vermont billing address, you are automatically treated as if you have chosen to limit our sharing of information with affiliates and nonaffiliates. If your account has a California billing address, we will not share information for joint marketing purposes with other financial companies. If your account no longer has a California or Vermont address, these special rules will stop applying and you will need to notify us if you want to exercise your right to restrict our sharing of information with affiliates or nonaffiliates.

*Please keep in mind that, as permitted by federal law, if you choose to limit our sharing of information with nonaffiliates, your choice will not prohibit us from sharing your information with dealers/merchants/retailers/contractors/providers (and their affiliates and program sponsors) that accept the credit card in connection with maintaining and servicing the consumer credit program identified on your credit card agreement or credit card, including marketing of such program.

The above notice applies only to the consumer credit card account with Synchrony Bank, as identified on your credit card agreement or credit card, and does not apply to any other accounts you have with us. It replaces our previous privacy notice disclosures to you. We can change our privacy policy at any time and will let you know if we do if/as required by applicable law.

For helpful information about identity theft, visit the Federal Trade Commission's (FTC) consumer website at https://www.identitytheft.gov/ .


SYNCHRONY BANK PRIVACY POLICY
FOR CONSUMER CREDIT CARD(S)

Rev. 6/2021
HECHOS ¿QUÉ HACE SYNCHRONY BANK CON SU INFORMACIÓN PERSONAL?
¿Por qué? Las compañías financieras eligen de qué manera compartir su información personal. La legislación federal otorga a los consumidores el derecho a limitar, en parte, la información que se comparte, pero no toda. La legislación federal también nos exige que le informemos de qué manera recopilamos, compartimos y protegemos su información personal. Por favor, lea esta notificación atentamente para comprender qué hacemos.
¿Qué? Los tipos de información personal que recopilamos y compartimos dependen del producto o servicio que usted tiene con nosotros. Esta información puede incluir lo siguiente:
  • Número de Seguro Social e ingresos
  • Historial de pagos y saldos de cuenta
  • Historial de crédito y calificaciones crediticias
¿Cómo? Todas las compañías financieras necesitan compartir la información personal de los clientes para realizar sus actividades comerciales diarias. En la siguiente sección, enumeramos las razones por las que las compañías financieras pueden compartir la información personal de sus clientes; las razones de Synchrony Bank para compartirla; y si usted puede limitar la información compartida.

Motivos por los que podemos compartir su información personal ¿Synchrony Bank comparte información? ¿Puede limitar la información que se comparte?
Para los propósitos de nuestras actividades comerciales diarias—
tales como procesar sus transacciones, mantener su(s) cuenta(s), responder a órdenes judiciales e investigaciones legales, o informar a las agencias de informes de crédito		 Sí No
Para nuestros propósitos de comercialización—
para ofrecerle a usted nuestros productos y servicios		 Sí No
Para comercialización conjunta con otras compañías financieras Sí No
Para los propósitos de las actividades comerciales diarias de nuestras filiales—
información sobre sus transacciones y experiencias		 Sí No
Para los propósitos de las actividades comerciales diarias de nuestras filiales—
información sobre su capacidad crediticia		 Sí Sí
Para que nuestras filiales comercialicen con usted Sí Sí
Para que las compañías no afiliadas comercialicen con usted Sí   Sí*

Para limitar
la información que se comparte
  • Call 1-877-905-2097—Nuestro menú le dará instrucciones sobre sus opciones
Por favor, tenga en cuenta lo siguiente:

Si es un cliente nuevo, podemos empezar a compartir su información 30 días a partir de la fecha en que enviamos este aviso, o antes si está de acuerdo o para tipos de información de los que no tiene el derecho de limitarnos para compartirlos. Cuando usted deja de ser nuestro cliente, seguimos compartiendo su información, según se describe en este aviso.

Sin embargo, puede ponerse en contacto con nosotros en cualquier momento para limitar la información compartida.
¿Tiene preguntas? Llame al 1-877-905-2097


Página 2  
Qué hacemos
¿Cómo protege Synchrony Bank mi información personal? Para proteger su información personal de uso y acceso no autorizados, utilizamos medidas de seguridad que cumplen con la legislación federal. Estas medidas incluyen protecciones informáticas y archivos y edificios seguros.
¿Cómo recopila Synchrony Bank mi información personal? Recopilamos su información personal, por ejemplo, cuando usted
  • abre una cuenta o nos proporciona su información de contacto
  • proporciona información de la cuenta o paga sus facturas
  • usa su tarjeta de crédito
También recopilamos su información personal a través de terceros, como agencias de informes de crédito, filiales u otras compañías.
¿Por qué no puedo limitar toda la información que se comparte? La legislación federal le otorga el derecho de limitar solo lo siguiente
  • la información que se comparte para los propósitos de las actividades comerciales diarias de las filiales∶ información sobre su capacidad crediticia
  • que las filiales usen su información para comercializar con usted
  • la información que se comparte para que las compañías no afiliadas comercialicen con usted
Es posible que las leyes estatales y las compañías individuales le otorguen otros derechos para limitar la información compartida. Vea a continuación para obtener más información sobre sus derechos según la ley estatal.
¿Qué sucede cuando limito la información que se comparte para una cuenta que tengo en forma conjunta con otra persona?
 Sus opciones aplicarán para todos en su cuenta.
Definiciones
Filiales Compañías relacionadas por propiedad o control común. Pueden ser compañías financieras o no financieras.
  • Nuestras filiales incluyen compañías financieras, tales como, Synchrony Financial y sus subsidiarias, incluidas Retail Finance Credit Services, LLC y CareCredit LLC.
No afiliadas Compañías no relacionadas por propiedad o control común. Pueden ser compañías financieras o no financieras.
  • Las compañías no afiliadas con las que compartimos información pueden incluir el minorista nombrado en su cuenta y compañías de mercadeo directo.
Comercialización conjunta Un acuerdo formal entre compañías financieras no afiliadas que conjuntamente comercializan servicios o productos financieros con usted.
  • Nuestros asociados comerciales conjuntos incluyen compañías de seguro..

Otra información importante
Si su cuenta tiene dirección de facturación en California o Vermont, se considerará automáticamente que usted ha elegido limitar que compartamos información con compañías filiales y no afiliadas. Si su cuenta tiene dirección de facturación en California, no compartiremos información con otras compañías financieras con fines de comercialización conjunta. Si su cuenta ya no tiene dirección en California o Vermont, estas reglas especiales no se aplicarán y deberá notificarnos en caso de que quiera hacer uso de su derecho a limitar la información que compartimos con compañías filiales y no afiliadas.

*Por favor, tenga en cuenta que, según lo permite la ley federal, si usted elige limitar nuestro uso compartido de información con compañías no afiliadas, su elección no nos prohibirá compartir su información con los distribuidores/comerciantes/minoristas/contratistas/proveedores (y sus patrocinadores del programa y filiales) que acepten la tarjeta de credito en relación con el mantenimiento y el servicio del programa de crédito del consumidor identificado en su acuerdo de la tarjeta de crédito o tarjeta de crédito, incluso la comercialización de tal programa.

La notificación anterior se aplica solamente a la cuenta de la tarjeta de crédito del consumidor con Synchrony Bank, como se identifica en el acuerdo de la tarjeta de crédito o en la tarjeta de crédito y no aplica a ninguna otra cuenta que tenga con nosotros. Reemplaza nuestras notificaciones de privacidad anteriores que le hemos enviado. Podemos cambiar nuestra política de privacidad en cualquier momento y se lo comunicaremos en caso de hacerlo si la legislación aplicable lo requiere, o según esta lo requiera.

Para obtener información útil sobre el robo de identidad, visite el sitio web de la Federal Trade Commission (FTC, Comisión del Comercio Federal) en la siguiente dirección https://www.identitytheft.gov/ .

Privacy 7
PRIV—GENERIC PS
WF3947830B
6/2021
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