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Our Privacy Pledge To You
The U.S. Bancorp family of financial service providers is making this Privacy Pledge to you. Protecting your privacy is important to us. We value the trust you have placed in us, and your continued confidence is important to us. As you review our pledge, please remember that:
- We make safeguarding the information we gather about you a priority.
- We maintain security practices to keep personal information about you safe.
- We do not sell customer information to unrelated companies so that they can market their products to you. We do share information about you with our financial and retail partners with whom we provide co-branded credit cards known as private label credit cards.
- When we believe that an unrelated company offers products or services that would be of interest to you, we may communicate to you about them. These companies will not learn about your relationship with us unless you respond to their offer.
- When it comes to privacy, we believe that you have the right to make meaningful choices. If you tell us not to do so, we will not call or send direct mail to you for additional products or services. You can also choose how personal credit information about you is shared within the U.S. Bancorp family of financial service providers. It is your choice.
- We will provide you with helpful information about privacy and information security. For example, on our Web site, you will find tips to help you protect yourself from identity theft, and limit direct marketing from others.
- The policies and practices described in this privacy pledge may change, but we will inform you of any significant changes as required by law.
What Personal Information Is, And How We Gather, Protect, Share And Use It
Our pledge applies to personal information, which is nonpublic information about you that we obtain in connection with providing a financial product or service.
Types of Information We Gather
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We may gather the following types of personal information about you:
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A. Information about your identity, such as your name, address and social security number; |
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B. Information about your transactions with us, our affiliates or others, such as your account balance, payment history, credit card usage and Web site and customer service usage; |
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C. Personal credit information we receive from you on applications or other loan and account forms, such as your assets or income; |
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D. Personal credit information we receive from credit bureaus and other companies, such as your creditworthiness and payment history; and |
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E. Other Information—Information from other outside sources, such as data from public records, that is not gathered for the purpose of determining eligibility for a product or service. |
You may choose whether "personal credit information" described in categories C and D is shared within the U.S. Bancorp family of financial service providers. This choice is further discussed in Your Choices About How We Share and Use Personal Information About You -- below.
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What Information We Share and Use
In "Your Choices About How We share and use Personal Information About You" -- below, we explain your right to choose how we share and use personal credit information about you. Subject to your choices to limit sharing as explained in "Your Choices About How We Share and Use Personal Information About You" -- below, we may share and use all of the information we gather with:
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A. Our "affiliates" (i.e., U.S. Bancorp family of financial service providers -- companies related to us by common control or ownership) that offer financial products and other services, including those identified in this privacy pledge and our administrative or service units that perform functions, such as servicing your accounts or preparing your account statements. Our affiliates may use information (including personal credit information) about you to offer products and services to you. |
B. Unrelated companies that work for us, including:
Companies that perform support services for us, such as data processors, technical systems consultants and programmers, check printers or companies that help us market products and services to you. All such companies that act on our behalf are contractually obligated to keep the information we provide them confidential and to use the information we share only to provide the services we ask them to perform for us.
We do not sell or share customer information to unrelated companies so that they can market their products to you, except as permitted by law (i.e., with our financial partners or retail partners as a part of a private label credit card account). From time to time, we may communicate to you special offers for products or services of unrelated companies, which we believe may be of interest to you. These companies will not learn about your relationship with us unless you respond to their offers. |
C. Companies and other entities as permitted by law. |
We Protect the Confidentiality and Security of the Information We Gather
We restrict access to personal information about you to those employees we have determined need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards to keep information about you safe.
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Your Choices About How We Share and Use Personal Information About You
You have the right to choose how we share and use certain personal information about you.
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You May Tell Us Not To Share Personal Credit Information Within the U.S. Bancorp Family of Financial Service Providers
In order to serve you better, we may share "personal credit information" (described in Types of Information We Gather Categories C and D) we gather about you within the U.S. Bancorp family of financial service providers. Under the Fair Credit Reporting Act, you may tell us not to share personal credit information about you within the U.S. Bancorp family by following the instructions outlined within the section entitled, It's Your Choice (U.S. Bank)- Here's How. Even if you do tell us not to share personal credit information, we may still share information about your identity, your transactions or other information within our affiliated family. |
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You May Tell Us Not To Call Or Send Direct Mail To You For Additional Products or Services
From time to time, we may call or write to tell you about additional financial products or services that we think may be of interest to you. You may, however, tell us not to call or send direct mail to you for additional products and services, by following the instructions outlined within the section entitled, It's Your Choice (U.S. Bank)- Here's How. Please note that if you make this choice, we will still call you and send you mail to service your existing relationships, or provide account related information (and, when doing so, the mail we send may include pre-printed marketing materials in those mailings). |
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Additional Matters
1. Email
We may, from time to time, contact you at an email address belonging to you to tell you of changes or updates to our site, usbank.com. In addition, we may contact you at an email address belonging to you to inform you of products and services we think may be of interest to you. At any time, you may ask us to stop sending promotional information to that email address by simply replying to our email, and telling us of your preference. Or, you can tell us your preference on the 'Update Email Preferences' page at usbank.com .
2. Closed or Inactive Accounts
We will continue to follow the privacy policies and practices explained in our privacy pledge even after your account is closed or becomes inactive.
3. When Will My Choice Take Effect?
If you make a choice as explained Your Choices About How We Disclose Personal Information About You, we will process your request.
- New Customers. For new customers, we will allow you a reasonable time to express your preference before sharing personal credit information about you or including your name on direct marketing lists.
- Direct Marketing Preference -- Delayed Effect. You may make a direct marketing choice at any time. If you have previously permitted direct marketing, and you change your preference, it may take up to 10 weeks to stop receiving mail or telephone offers.
4. Multiple Copies of the Pledge
Although you will receive multiple copies of this pledge over time, with respect to your current account, you need to make your choice only once. Your choice remains in effect until you tell us otherwise.
5. To Change Election
If you would like to change a previous decision or choice, please call us at 800-370-8580.
6. Additional Rights and Changes
You may have other privacy protections under applicable state laws, such as Vermont and California. To the extent these state laws apply, we will comply with them when we share information about you.
We may contact our existing customers by telephone to offer additional financial products that we believe may be of interest to you. You have the right to opt out of these calls by adding your name to our internal do-not-call list. To opt out of these calls, or for more information about your opt out rights, please contact our customer service department. You can reach us by calling 800-872-2657 (800-USBANKS), selecting the email link from the "Contact us" page of usbank.com, or writing to P.O. Box 64077, St. Paul, MN 55164. While all of our customers have the right to opt out of these calls, our customers who are residents of Nevada are being provided this notice under Nevada state law. In addition to contacting U.S. Bank, Nevada residents can contact the Nevada Attorney General for more information about your opt out rights by calling 775-684-1100, emailing bcpinfo@ag.state.nv.us, or by writing to:
Office of the Attorney General
Nevada Department of Justice
Bureau of Consumer Protection
100 North Carson Street
Carson City, NV 89701
This privacy pledge does not apply to your relationship with other financial service providers, such as nonaffiliated insurance companies. We may amend this privacy pledge at any time, and we will inform you of changes as required by law.
7. Want to Learn More?
If you would like to learn more about how we use financial information about clients to deliver better client services and products more efficiently, please come to a branch, contact your financial professional or see our Web site at usbank.com.
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U.S. Bancorp is a diversified financial services company. We offer a range of financial products and services through our family of financial service providers. The following members of the U.S. Bancorp family of financial service providers have adopted this privacy pledge:
Banks, Safe Deposit Or Trust
- U.S. Bank National Association
- U.S. Bank Trust National Association
- U.S. Bank Trust National Association SD
- U.S. Bank National Association ND
Brokerage, Investment And Insurance
- U.S. Bancorp Investments, Inc.
- U.S. Bancorp Insurance Services, LLC
- The Miami Valley Insurance Company
- Mississippi Valley Life Insurance Company
- Elan Life Insurance Company
- U.S. Bancorp Insurance and Investments, Inc.
Diversified Financial Services
- U.S. Bancorp National Account Services, LLC
- U.S. Bancorp Mortgage Advisers, LLC
- U.S. Bancorp Mortgage Professionals, LLC
- U.S. Bancorp Service Providers, LLC
- U.S. Bancorp Advantage, LLC
- U.S. Bancorp Equipment Finance, Inc.
- Lyon Financial Services, Inc.
- United Country Home Mortgage, LLC
- U.S. Bancorp Title Services, Inc.
- Relocation Results Mortgage, LLC
- WMF Mortgage Services, LLC
- Arizona Mortgage Advisers, LLC
- South Central Mortgage Solutions, LLC
- NRI Mortgage Services, LLC
- Capital Residential Mortgage, LLC
- Plus Relocation Mortgage, LLC
This policy is effective January 26, 2010.
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