The Chase U.S. Consumer Privacy Notice is one way to let you know how we collect and use information about you.
As a result of a federal law effective in 2001, all financial institutions are required to provide a notice to customers, once per year, outlining their privacy practices and, depending upon the institution’s privacy practices, offer customers the opportunity to express their preference (opt out) to limit certain information sharing.
No. Privacy preferences you make with Chase do not expire. Prior opt out choices remain in effect unless a customer changes them. You may, however, need to provide us with your opt out preferences again if you change your name or make other significant modifications to the identification information on file with us.
We take our responsibility to protect the privacy and confidentiality of customer information very seriously. We maintain physical, electronic and procedural safeguards that comply with federal standards to store and secure information about you from unauthorized access, alteration and destruction.
For example, our computer systems have Password protection, timeouts on terminals and encryption on certain data transmissions. We have employee card access to buildings, camera surveillance in sensitive areas, shredding of sensitive information and customer authentication protocols before we release information or complete a transaction. Also, our control policies authorize access to customer information only by individuals who need access to do their work.
Chase has arrangements in place with prominent companies, such as airlines, retail or gasoline companies, or other financial institutions to offer co-branded products and services. These programs combine Chase products or services with offerings from these other companies to provide you with discounts or other benefits. For example, you may have a United Airlines Visa® from Chase offering you United frequent flyer miles when you make purchases with your credit card. When you choose to participate in a program like this, the other company’s name or logo is prominently displayed on your credit card or other program materials.
Co-branded credit cards provide customers a convenient way to obtain benefits (such as airline miles) or to support an organization (like an alma mater). These products usually require us to share certain transaction information with our partners to initiate the program and calculate the benefit. For example, to extend a co-branded credit card offer, our partner may provide us with names and addresses of the people who have relationships with it. First USA, a Chase company, requires applicants for co-branded products to consent to information sharing at the time they apply. The extent of co-branded sharing is described in the cardholder's terms and conditions.
When you "opt out" under our Privacy Notice, you instruct us not to share certain information about you.
Yes, all of the Chase affiliates will honor your request. You cannot selectively ask us to exclude your information on a company-by-company basis or product-by-product basis.
The Fair Credit Reporting Act ("FCRA") is the primary law that covers information sharing within the Chase affiliates. The FCRA permits our related companies to share certain types of information, including information about:
Other information that bears on your creditworthiness, personal characteristics, mode of living or the like is covered under the FCRA. If you ask us to limit what information we share within the Chase family according to the procedures set out in the Privacy Notice, we cannot share this "other" information about you from your applications or agreements, from credit reporting agencies, or from other sources. Ordinarily this other information is helpful to us in determining your interest in or eligibility for additional consumer credit, investment, or insurance products offered by our family of banks and companies.
We will, of course, honor your request to limit sharing non-experience information to determine your eligibility in these situations, but we will continue to share it in certain other situations consistent with the FCRA, such as to service your accounts or to prevent fraud.
Please refer to our Chase Privacy Notice for a detailed explanation of the choices available to you regarding information sharing. The Privacy Notice will also provide instructions for modifying your choices.
We share your information among our affiliates because it helps us to provide you with better customer service, convenient access to our services and a wider range of products. The better we know you, the easier it is to offer you financial products and services (such as loans, deposits, investments, credit cards and insurance) that may suit your current lifestyle, as well as provide you with consolidated statements and product prices based on your total customer relationship.
We also share your information to help us verify your identity and protect you from identity theft or fraud.
We may share information with outside companies that work for us. These may include firms that assist in marketing our products. We may also share information about you with outside financial companies that have joint marketing agreements with us. These arrangements give you the opportunity to receive additional products or services, or help you benefit from pricing reductions for those products and services that interest you.
The Chase affiliates are a network of firms owned by JPMorgan Chase & Co. The Chase family is comprised of affiliated companies that offer financial products and services such as loans, deposits, investments and insurance.
For example, these products and services could be provided by JPMorgan Chase Bank, N.A., Chase Bank USA, N.A., Chase Insurance Agency, Inc., J.P. Morgan Securities LLC, or others.
Yes, if you are a Chase customer. If you are a Chase customer, our Privacy Notice will govern all of our interactions with your personal information. For that reason, the Chase websites include links to our Chase Privacy Notice, which explains how we protect your information when you bank with us. You will also be subject to the Chase Online Consumer Practices.
If you are not a Chase customer, our U.S. Consumer Privacy Notice does not apply to you. You will, however, still be subject to our Chase Online Consumer Practices. Our Online Consumer Practices explain how we may collect, share, use, and protect information from anyone who visits a Chase online service.
We also have a Weblinking Policy that requires us to tell you when you’ve clicked a link to take you to a third party site. Please note that neither the Chase Online Consumer Practices nor the Chase Privacy Notice will apply after you leave our site.
Email offers you receive from Chase or on behalf of Chase contain instructions about how to decline further promotional email messages. These instructions are generally located at the bottom of the original email solicitation. If you receive email messages from a third party sender, you will need to follow the opt-out instructions provided in the third party email, or you’ll need to contact the third party directly. Before you provide personal information, we encourage you to read the privacy policies and terms and conditions of the websites you visit to ensure you agree with their policies and email practices.