Privacy Policy

  • JPMorgan Chase & Co. has a long-standing tradition of protecting the privacy of personal information. The Canadian branch of JPMorgan Chase Bank, N.A. ("Chase") has adopted this Privacy Policy to apply to the collection, use and disclosure of personal information in connection with its credit card programs for Canadian customers. This Privacy Policy explains how Chase collects and what Chase does to keep this information secure. We want you to know how we manage that information to serve you and that you have choices about how it is used and shared. This Privacy Policy explains how you can contact us if you have a question about or want to make a change to any personal information that Chase has collected about you in connection with your credit card. We strongly recommend that you take the time to read this Privacy Policy and retain it for future reference.

     

    What Personal Information We Collect

    When you apply for, and/or if you maintain, a credit card issued by Chase, you agree that we may collect your personal information from a variety of sources. Here are some examples of the information we collect. From your application, we collect information such as your name, mailing address, e-mail address, telephone number, date of birth, occupation, employer, language preference and social insurance number (if provided). We obtain your credit reports and risk assessment scores and analyses from credit bureaus and other third parties, such as your other creditors and other financial institutions with which you do business. We verify your employment and income with your employer. We use references you provide to verify information you give to us and you authorize your references to verify such information to us. We get information from firms that collect demographic information and track spending patterns. Once you have been issued a Card, we get information about you from the ways in which you use your Card. We also obtain information from surveys and other question and answer efforts conducted by us and others in which you agree to participate.

     

    How We Use Your Personal Information

    We use your personal information to identify you, evaluate your credit worthiness, maintain, service, monitor and collect your account; research, develop, manage and improve our services; protect you and us against error and fraud; and comply with legal requirements. We also use your information to develop an understanding of your needs and eligibility for products and services, and bring you offers from us and our affiliates and other third parties that we believe will interest you (for more information, refer to "Use and Disclosure for Marketing Purposes" below).

     

    When We Share or Disclose Your Personal Information

    As part of our role as a credit provider, we share your personal information from time to time with credit reporting and analysis agencies, credit bureaus, financial institutions, your employer, and other creditors and entities. This permits the financial system to function efficiently and allows us to continue to offer our services to you.

     

    We may share your personal information with our affiliates or other third parties engaged to assist us in providing services to you or to carry out one or more of the purposes described above (see "How We Use Your Personal Information"), including for data storage, data and payment processing, credit card or statement production, claims processing, collections, call processing and account administration. We also share your personal information with companies that provide and administer goods and services, such as insurance, membership and Card registry services, that you may have purchased from or through Chase. These service providers and other companies are prohibited from using your personal information for any purpose other than to provide this assistance and are required to protect personal information transferred to them by us and to comply with the general privacy principles described in this Privacy Policy.

     

    We reserve the right to disclose personal information to an affiliate or to a third party if a law, regulation, search warrant, subpoena or court order legally requires or authorizes us to do so. Your personal information may be processed and stored in the United States by Chase, a service provider or another company in accordance with this Privacy Policy and, under U.S. law, in certain circumstances U.S. courts, law enforcement agencies or regulatory agencies may be entitled to access your personal information.

     

    We reserve the right to disclose and/or transfer personal information to an affiliate or to a third party in the event of a proposed or actual purchase, sale (including a liquidation, realization, foreclosure or repossession), lease, merger, amalgamation or any other type of acquisition, disposal, transfer, conveyance or financing of all or any portion of Chase or of any of the business or assets or shares of Chase or a division thereof in order to make available to you the same products and services from the affiliate or third party.

     

    We may disclose your personal information in connection with an assignment of your Credit Card Agreement and your account to affiliates or third parties, who in turn will also have a right of further assignment. These parties may collect, use and disclose your personal information to service and collect your account and to give effect to the assignment of your agreement and account to them.

     

    Use and Disclosure for Marketing Purposes

    If you have not opted out of the use or disclosure of your personal information for marketing purposes, we may also use your personal information and the contact information you give to us for marketing, including telemarketing, additional goods, services and special offers that might be of interest to you from us, our affiliates, or our third party business associates (namely, retailers, financial institutions, financial services companies, auto dealers, auto makers, membership clubs and publishers). We may disclose your contact information (e.g., name, telephone number, e-mail and mailing address) to our affiliates and these third party business associates so that they can send you promotional materials and/or telemarket you directly.

     

    You may withhold or withdraw consent to the use of your personal information for promotional purposes by us, our affiliates or our business associates (see "Opting-Out" below).

     

    Knowledge and Consent

    We collect personal information about you only when you voluntarily provide it or authorize us to collect it from a third party. Typically, we will seek consent for the use or disclosure of your personal information at the time of collection. In certain circumstances, consent may be sought after the information has been collected but before use (for example, when we want to use or disclose the information for a purpose that we have not previously identified).

     

    When you apply for a Chase credit card, the Credit Card application form includes notices about privacy and requests your informed consent to use the personal information for the purposes stated in the application form. The Card application specifies the purposes for which your personal information may be collected, used or disclosed. Your consent to some of these purposes is required in order to complete the credit transaction (including processing your credit application and administering your Credit Card Account), and without your consent to some of these purposes your application cannot be processed and your Account cannot be maintained. Other purposes are not mandatory, and you may elect to withhold consent to the use or disclosure of your personal information for these purposes (also, if you grant consent you can later withdraw it if you choose see "Opting-Out" below).

     

    We will not, as a condition of the supply of a product or service, require you to consent to the collection, use or disclosure of information beyond that required to fulfill the specified and legitimate purposes for which the information is being provided.

     

    Opting-Out

    You may withdraw your consent at any time, subject to legal or contractual restrictions or requirements and reasonable notice. In particular, you can choose not to allow us to use or disclose your personal information for marketing purposes, including telemarketing. If you wish to withdraw your consent at any time or for any other purpose, please contact us as outlined below (see "Contacting Us"). We will inform you of the implications of withdrawing consent at that time

     

    How We Protect Your Personal Information

    We take a number of steps to protect your personal information. Here are some examples:

    • We keep information under physical, electronic or procedural controls that comply with or exceed governmental standards;
    • We authorize our employees, agents and contractors to get information about you only when they need it to do their work for us; and
    • We require companies working for us to protect your personal information. In addition, they agree to use it only to provide the services we ask them to perform for us.

     

    Retention of Your Personal Information

    We retain your personal information for as long as necessary to fulfill the purpose(s) for which it was collected and to comply with applicable laws, and your consent to such purposes(s) remains valid after termination of our relationship with you.

     

    Changes to this Privacy Policy

    We reserve the right to modify this Privacy Policy at anytime without notice.

     

    Accessing, Correcting or Updating Your Information

    You can help us maintain the accuracy of your personal information by notifying us of any changes to your information. In order to request access to or correction or update of your personal information, please contact us as outlined below (see "Contacting Us").

     

    Contacting Us

    For opting-out, call us toll-free at 1-866-661-6626. In the event that you wish to contact us for any of the reasons outlined in this Privacy Policy, or if you have any questions or concerns about our Privacy Policy or your personal information, or if you have reason to believe that we may have failed to adhere to this Privacy Policy, you may contact us at:

     

    JPMorgan Chase Bank, N.A.

    Attention: Privacy Officer

    PO Box 9435, Station "T"

    Ottawa, Ontario K1G 3V1

     

    Or call us toll-free at 1-855-208-3255.