IMPORTANT PRIVACY TERMS! PLEASE READ THESE IMPORTANT TERMS WHICH FORM PART OF THE APPLICATION - Privacy of Personal Information - Consent and Data Use

Sep 19, 2026

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IMPORTANT PRIVACY TERMS setting out how personal information is collected, used, disclosed, and protected in connection with an application. The terms cover identity information and a range of behavioral biometric data from web and mobile interactions, used for fraud mitigation. They authorize sharing with affiliates, merchants, service providers, credit reporting agencies, and account partners. Consent supports automated processing for creditworthiness decisions, phone monitoring for quality control, and disclosure to meet legal, regulatory, and administrative requirements.

LanguageEnglish

CategoryLetters

FormatPDF

Pages16

Reading Time6 min

AccessFree to download

Privacy of Personal Information

Individual and co-applicant definitions

Consent to establish and maintain a personal information file

Behavioral biometric data from web and mobile

Purposes of sharing and consent scope

Automated decision-making and disclosures

Telephone monitoring and cookie use

IMPORTANT PRIVACY TERMS! PLEASE READ THESE IMPORTANT TERMS WHICH FORM PART OF THE APPLICATION. Privacy of Personal Information Individual Applicants and Co-Applicants: This section applies to each Co-Applicant who has signed this Application and to the Applicant if that person is an individual. In this section “I”,“me” and “my” mean the individual Applicant who has signed this Application. If one or more than one Co-Applicant has signed this Application, these words also mean each Co-Applicant individually. I consent to you establishing and maintaining a file of personal information about me. This file will include information that I provide when I request to begin a relationship with you, and information collected during the course of our relationship. This file may include details about me such as: my name, address, email address, phone number (mobile and/or landline), date of birth, social insurance number (if provided on an optional basis), credit bureau information, income, source of income, employer, records that reflect my history and relationship with you. During the application process, you may collect certain behavioral elements of your biometric data, including information on how I interact with your web-based access and mobile application, such as: • For web-based access (such as desktop or laptop): data about my mouse speed and movements, keystroke rhythm, keyboard usage characteristics, touch events, scrolling, resizing events, interactions with user interface (UI) fields and my hosting device information. • For mobile application: data about my swipe gestures, mobile screen taps, screen orientation and my hosting device information. This information may be obtained through interactions with me, and from sources outside of Citi Cards Canada Inc. such as credit reporting agencies, financial institutions, other service providers (including mobile service providers) or agents, government agencies, public records and law enforcement agencies. Behavioral biometric data is collected for the purpose of fraud mitigation by differentiating between genuine applicants and cybercriminals. I consent to you obtaining and exchanging, from time to time, all information about me with your affiliates, Merchants, service providers and with any credit reporting agency, credit bureau, person or corporation with whom I have or may have financial relations, or supplier of services or benefits relating to the Account. Such persons or corporations may include collection agencies, mobile service providers, bailiffs, marketing and advertising agencies, or any other party whom you deem necessary in connection with the servicing of the Account. In addition, for the purposes of this section,“Merchants” mean merchants that honour the Account or a Card as the method of payment for goods and services that I may purchase from them. Citi employees and mandataries who need to access my file in the course of their duties will have access to my file. This includes, but is not limited to: Front Office, Service Teams, Fraud Teams, Operations, Legal, Compliance and Auditors. Categories of service providers that you may share Information with include third parties that provide call centre and cardholder account platform services for the purposes of responding to my inquiries, opening, administering and servicing the Account and third parties that provide credit card. This consent is valid where the use of my personal information is needed for the purpose of making a decision about the Application, including identity verification and to detect and prevent fraud or criminal activity; monitoring, auditing, evaluating, servicing and collecting the Account; providing Account-related and other programs offered by you or a third-party provider approved by you; responding to my inquiries about the Application, the Account or my file; and meeting legal and regulatory requirements, including Canadian federal and provincial requirements and foreign

FAQs

What types of personal information are collected under these privacy terms?

The terms describe collection of identity and contact details, account-related history, income and employer information, and credit bureau information if provided. They also cover behavioral biometric data from web and mobile interactions.

How is behavioral biometric data used?

Behavioral biometric data is collected to mitigate fraud by differentiating between genuine applicants and cybercriminals. Consent also supports sharing related information with relevant parties for account servicing and fraud prevention.

What consent is granted regarding automated decisions and phone monitoring?

Consent allows automated processing to evaluate creditworthiness and make application decisions, with an option to contact in writing for additional information about an automated decision. It also authorizes monitoring/recording telephone discussions for quality control, complaint handling, internal training, and record keeping.

Sep 19, 2026

Upload by Aurelia