We collect only customer. Information that is needed and we tell customers how we use it. We limit the collection, use, retention, and disclosure of Information about individuals who are customers to what we need to know: • to initiate and administer their accounts, • to provide customer services, • to offer new products and services, • to understand the current and future needs of our customers and to otherwise analyze and manage our business, • to assess and manage our credit risk, • to detect and protect us against error, fraud and other criminal activity, • to exchange Information with customers who are jointly liable to us, • to share Information with third party suppliers who provide or participate in services or benefits provided in relation to our products and services, • in the case of business accounts or business travel, to provide account reports or data about the business account or business travel to a customer’s employer or its related businesses or their agents or service providers, • to comply with any legal and regulatory requirements, • or for any other purpose for which a customer consents. We tell our customers about the purposes for which we collect, disclose, use and process Information we collect. We also provide our customers with illustrative descriptions and examples to help them understand the nature of this Information and how it relates to the purposes. For example, the Online Privacy Statement describes and provides illustrative descriptions and examples to help you understand how we collect, use, disclose and safeguard information online including through websites, mobile applications and other online communications and content. If requested by the customer, we will provide further explanation.
