Privacy Policy
Last
Updated: September 27, 2004
1.
INTRODUCTION
CIT Group Inc.
and its affiliates (collectively “CIT” or “we”) will treat personal data that
you provide through this website (“site”) according to this privacy policy,
which is consistent with our treatment of personal data that you provide offline
to us or to our brokers and dealers.By
visiting our site, you agree to be bound by this policy.
2. FOREIGN
VISITORS
If you are
visiting this site from outside the United States, please do not provide any
personal data through this site or by e-mail, as this privacy policy may not
comply with your local law.
3.
CHILDREN
This website is not intended for
visitors under 18 years of age. We do not knowingly solicit or collect personal
data from or about children, nor do we knowingly market our products or services
to children.
4. PERSONAL DATA WE COLLECT FROM
VISITORS
Personal data
identifies an individual, for example by name, address, telephone number, or
e-mail address. We may collect the following types of data: (1) if you apply for
a job, your name, address, references, and employment history; (2) if you apply
for credit, your name, address, social security number, credit history, and
financial information, directly or through one of our brokers or dealers; (3) if
you use this site to check the status of your account, your name, account
number, and other information, such as a password, to verify your identity; and
(4) if you send us e-mail or request information, your name, email address, and
any other personal data you supply in your message.
5.OTHER DATA WE AUTOMATICALLY
COLLECT
When you visit
the site, CIT automatically collects certain non-personal data by various means,
one of which is "cookies." A cookie is an alphanumeric string of text (a unique
identifier) that our web-server stores in your computer by means of your
web-browser. The cookie allows us to recognize your computer when you revisit
our site. We can then improve your use of the site, for example by providing
quick log-in, displaying only web pages that interest you, and saving you from
retyping information in a form. Cookies also allow us to analyze aggregate
traffic on the site, in order to streamline navigation and keep the content
fresh for all visitors. You can configure your browser to reject cookies, but
doing so may disable some of our site’s features.Cookies do not contain personal data, nor can
they read or transmit any data on your computer’s hard drive. They can,
nonetheless, be combined with personal data that you knowingly provide, to
create a profile. CIT does not use cookies in this manner without your express
consent.
Regardless of
cookies, all web-browsers transmit the IP address of the computer on which they
are running (so that the web-server knows where to send the requested web page).
We analyze IP addresses only in extraordinary circumstances to attempt to track
hackers.
6.HOW WE USE THE DATA WE COLLECT
We may use the
data that you provide as follows: (1) if you apply for a job, to consider you
for the position and to contact references; (2) if you apply for credit, to
assess your credit-worthiness (including retrieving credit reports) and to
approve or reject your application; (3) if you check the status of your account,
to respond to your inquiry; (4) if you send us e-mail or request information, to
reply to your request. We may also use the data that you provide to help us
improve the content and function of this or other sites, to better understand
our customers and markets, to improve our products and services, to enhance our
marketing and promotional efforts, to improve product offerings, and to later
contact you, electronically or otherwise, about products or services that we
believe will interest you. If required by law, such communications will explain
how to "opt out" of receiving future communications. You cannot opt out of
receiving communications about your account, such as service announcements and
administrative notices.
7. SHARING
DATA
CIT may share
data that you provide under the following circumstances:
a.
Affiliates
1. We
may share your name, address, and information about your transactions and
experiences with us (such as your payment history or other facts about your
account) with our affiliates.
2.We may also share
other personal data that you provide with our affiliates in order to provide
you with information about products or services that may interest you.
b. Agents and
Service Providers -
In order to
establish, administer, and manage our customers’ accounts, evaluate credit,
provide customer service and benefits, process account transactions and account
statements, conduct research and analysis, or process job applications, we may
disclose personal data to companies that work with us to perform services or
business operations on our behalf.We may
also share personal data with companies that perform marketing services on our
behalf, or with other financial institutions (including insurance companies)
with whom we have joint marketing agreements.
c. Third Parties
(Disclosures Permitted or Required by Law) -
In certain
instances, we are permitted or even required to disclose your personal data to
third parties.Examples of this type of
permitted disclosure are reporting information about your transactions with us
to credit reporting agencies, responding to regulators or auditors, protecting
against fraud, or providing information in connection with proposed or actual
business transactions involving our companies or accounts.We may also disclose your personal data to
third parties when legally compelled to
do so, or when we believe that such disclosure is appropriate to comply
with the law, to enforce our terms of
use, or to protect the rights, property, or safety of CIT, its employees,
customers, visitors to the site, and others.Please be aware that these disclosures are permitted by law without your
consent.
d. Business
Transfers
As we develop our
business, we may sell or buy businesses or assets, or be involved in mergers or
other corporate reorganization.In
transactions such as these, your personal data may be one of the transferred
business assets.
e. Other Third
Parties (Optional Disclosures): We may also
share, as permitted by law, your personal data with other third parties with
whom we do not have joint marketing agreements, such as other financial service
providers, insurance companies, or non-financial companies such as service
organizations, retailers, travel services or direct marketers.These companies may wish to provide you with
information about products or services that may interest
you.
8.
SECURITY
CIT uses
reasonable measures to protect personal data from unauthorized access, deletion,
or alteration. Any information you provide on a CIT form (such as a job or
credit application) is encrypted.Any
personal information that CIT transmits to you at your request (such as your
account balance) is encrypted.E-mail communications are not encrypted.Therefore you should not send any personal
data by e-mail.CIT will never send you
e-mail requesting personal data.
9. PUBLIC
AREAS
CIT does not
control and is not responsible for other visitors’ treatment of information that
you post on public areas of the site. For example, such information may be
collected and used by others for their own purposes, including sending you
unsolicited e-mail.
10. YOUR ACCESS TO PERSONAL
DATA
If you wish to
review, correct, or remove personal data that you provided to CIT, please send
e-mail to abby.cohn@cit.com
11.
LINKS
This
site may have hyperlinks to or pop-up windows from other websites. CIT is not
responsible for their content or privacy practices. We urge you to review the
privacy policy of any website that you visit.
12. NOTICES AND REVISIONS
CIT may revise
this privacy policy from time to time. You should periodically check the
revision date at the top of the webpage to learn of any revisions. Your use of
the website at any time is deemed acceptance of the privacy policy then in
effect. If you have questions about this privacy policy, please send e-mail to
US.privacy@cit.com.