Keeping customer information secure is a top priority for all of us at Citi in New Zealand, which includes Citibank or any other Citi company. We hope this notice helps you understand how we handle the personal information about you that we collect and how you can control our disclosure of personal information about you. The provisions of this notice will apply to former customers as well as our current customers unless we state otherwise.

When Citi companies share personal information with other Citi companies it can make it easier when you apply for accounts or services from these companies. In addition, sharing personal information can help you receive timely notice about products, services or other special offers that may be of interest and benefit to you from companies in the Citi family or from selected third parties.

Citi in New Zealand is subject to the Information Privacy Principles under the Privacy Act, and this document outlines how we intend to deliver all the rights and protections customers are entitled to. You can rely on similarly high standards wherever in the world you deal with a Citi company, due to Citi's Privacy Policies for Consumers followed by all members of the Citi family of companies. Where there are differences between Citi's Privacy Policies and New Zealand's Privacy Act, the stronger protection applies.

Our policies and practices to protect your personal information:

We protect the personal information we collect about you by maintaining physical, electronic, and procedural safeguards that meet or exceed applicable law.

We require third parties that process personal information on our behalf to follow stringent standards of security and confidentiality.

We train people who work for us how to properly handle personal information and we restrict access to what is necessary for specific job functions.

Categories of personal information we collect and hold:

The nature of the personal information we collect, and where it comes from, will vary according to the specific product, and may include:

• information we collect from you on applications or other forms, such as name, address, telephone number, occupation, assets and income.
  
  
• information about your transactions with us, our affiliates, or third parties, such as account balances, payment history, and account activity
  
  
• information we receive from credit bureau reports.
  
  
• health information for insurance products.
  
  

 

Purposes of collecting your information:

We will only collect personal information necessary for the product/service. These purposes may include:

• processing a product application.
  
  
• evaluating and monitoring credit worthiness.
  
  
• processing receipts and payments, and servicing customer's accounts.
  
  
• responding to customer inquiries about applications, accounts or services.
  
  
• understanding the customer's needs and offering products and services (including marketing materials) to meet those needs.
  
  
• allowing our affiliates and selected companies to promote their products and services to customers.
  
  
• assessing, processing and investigating insurance risks or claims.
  
  
• meeting legal and regulatory requirements.
  
  

We will not disclose any of the above information that we collect to affiliates or third parties without your authorisation.

Disclosures of your information:

In common with many organisations, we keep our costs down by obtaining some routine services from external service providers, and your information may be provided to them on a confidential basis for this purpose. These disclosures and others to third parties may be for:

• cheque and statement printing and other administrative services.
  
  
• legal, settlement and valuation services.
  
  
• data processing and market research services.
  
  
• regulatory and compliance purposes.
  
  
• financial and professional advisory services.
  
  
• updating of credit information to credit bureaus.
  
  
• participating in payment systems, for example bank clearing and credit card associations.
  
  
• underwriting and assessing insurance risk and claims.
  
  

We can provide a list of third parties to whom we may disclose information on request.

Categories of affiliates with whom we may share your information:

Our affiliates are the family of companies that form Citi New Zealand. In accordance with the Information Privacy Principles enshrined in the Privacy Act, we will disclose to you at or around the time of collecting personal information from you that we may share your information with affiliates and obtain your authorisation for this.

These affiliates operate in several different lines of business including banking, securities, and insurance. Our affiliates conduct business under names that include Citibank, Citicorp, Citi Global Markets, and Smith Barney.

Contact Us:

If you wish to find out more information, or raise any specific or general concerns about Citi and its Privacy Policy, the contact details are as follows:

	Mail:	Citi Privacy Officer, 23 Customs Street East P.O. Box 3429 Auckland 1 New Zealand
	Telephone:	(+64) 9 302 3128.
	Email:	privacy.officer@citi.co.nz

Complaints and Disputes:

If you have reason to believe that any Citi affiliate or department has breached the Privacy Policies outlined in this document, we urge you to raise this with the Citi Privacy Officer.

We will investigate all complaints and respond to you as soon as is reasonable in the circumstances. If we find a complaint justified, we will resolve it. If necessary, we will change policies and procedures to maintain our high standards of performance, service and customer care.

Access:

You are entitled under the Privacy Act to access the information an organisation holds about you. We want to make this as simple as possible for you and you can make the request in a letter or by telephone if you prefer.

We will need to validate the identity of anyone making an access request, to ensure that we do not provide your information to anyone who does not have the right to that information.

Where a customer establishes that the personal information we hold on them is not accurate, complete or up-to-date we will correct our records as necessary.

We may charge you an administration fee for providing access in accordance with your request. Your request will usually receive a response within 20 working days.

Access to information about you is your right under the Privacy Act.

Your Privacy Preferences:

Please remember that we will protect your personal information regardless of your privacy preferences.

If you do not wish us or other companies to communicate marketing offers to you, you may use the following methods to inform us:

	Mail:	Citi Privacy Officer, 23 Customs Street East P.O. Box 3429 Auckland 1 New Zealand
	Telephone:	(+64) 9 302 3128.
	Email:	privacy.officer@citi.co.nz

Please do not include account numbers or other sensitive data in emails, since it may not be secure.

Alternatively, you may use the consumer preference facilities offered by the New Zealand Direct Marketing Association (DMA); Note this should stop you receiving unsolicited direct marketing from participating DMA members.

	Mail:	Freepost DMA, P O Box 47681, Ponsonby, Auckland.
	Telephone:	0800 222 332
	Web site:	http://www.dma.co.nz