This Privacy Statement ("Statement") applies to GECapital.com (the "Site"), which is owned or controlled by GE Capital Corporation (the "Company"), although software, hosting and other functions and content may be provided by third parties. Throughout the Site, the terms "we," "us" and "our" refer to GE Capital Corporation. This Statement describes the types of information the Company collects from visitors to the Site, what we do with this information, with whom we share this information, and how visitors can update the information they provide on the Site. This Statement does not apply to any other web sites or information provided to the Company by any other means (such as email or offline activities).
CAREFULLY READ THIS STATEMENT BEFORE USING THE SITE, AS IT AFFECTS YOUR LEGAL RIGHTS AND OBLIGATIONS.
WHAT INFORMATION DO WE COLLECT?
Personal Information You Provide
You may browse our Site without disclosing any personal information. To use certain features of our Site, however, you will need to provide some personal information.
If you use the “Contact Us” feature, respond to a survey, or sign-up for a newsletter or subscription, you will need to provide us with your contact information (name, address, telephone number and/or email address) in order for us to respond to your inquiry or send you the material you seek.
If you seek a product or service from our Site that requires submission of an application, in addition to contact information, you may also need to provide some or all of the following:
- Date of birth
- Social Security number
- Driver’s license number and expiration date
- Financial account information
- Income information
- Housing information (whether you own, rent, or other options)
- Information about the service or product that you seek, such as loan amount, how you want statements delivered, and whether the account with be joint or individual.
If you choose not to provide this information, we may be unable to provide you with the information, products, or services that you seek.
Information We Collect by Automated Means
When you visit our Site, our Web servers collect the name of the domain you used to access the Internet (such as Google.com), which pages on our Site you visited and when they were visited, your Internet browser type and platform, the link that brought you to our Site and any links clicked within our Site.
When you attempt to access those sections of our site that require registration and/or using your credentials (e.g., user name), we collect additional information regarding the device and methods you are using to access the Site. This includes, for example, the source IP address, hardware characteristics, and software characteristics and settings.
If you decide to register online or request information, products, or services from us, we may collect additional information to provide tailored offerings or content to you or to deliver such products and services.
Cookies and Local Shared Objects (LSO): If you visit our Site, a cookie is used to help us measure the number of visits, average time spent, page views and other statistics relating to our Site. A cookie is a small piece of data stored by your Internet browser on your computer's hard drive. Our cookies are not used to get data from your hard drive or obtain your e-mail address or identity.
If you decide to register online or request information, products or services from us, we may collect additional information to provide tailored offerings or content to you or to deliver such products and services.
You may set your Internet browser to notify you when you receive a cookie or to prevent cookies from being sent. Additional guidance on refusing or deleting LSOs may be found here: http://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html.
Please note, however, that by not accepting cookies or LSOs you may limit Site functionality and your ability to access certain information, products, and services we offer. And not accepting cookies or LSOs will not completely limit the information we collect through automated means.
Location-enabled features are opt-in and you have control over your participation and can turn these services off at any time.
Some mobile applications will utilize analytic tools to help us better serve our customers through improved products, services, and revisions to the mobile applications. This collected information does not include personally identifiable information and will not identify you to the Company. It may, however let us know anonymously, which services and features you are using the most within the application, as well as device type and hardware features, country and language of download.
Social Sharing Tools: Use of third party social sharing sites (e.g., Facebook & Twitter) is governed by the privacy practices of those services. The Company does not capture or store your login information or other personally identifiable information for these services, however session information or cookies may be stored.
WE DO NOT KNOWINGLY COLLECT INFORMATION FROM CHILDREN
This Site is not directed to or intended for individuals under 18 years of age and we do not knowingly solicit information from children under 18 years of age.
HOW DO WE USE THE INFORMATION THAT WE COLLECT?
The Company, our Affiliates, Service Providers and our Business Partners use the personal information that you submit to respond to your inquiry or provide you with the information, product, or service that you have requested.
If you submit an application to our Site, the Company, our Affiliates, Service Providers, and Business Partners will use the personal information that you provide to:
- Allow you to apply for and communicate with you about the products and/or services that you are seeking
- Provide, administer and communicate with you about any products and/or services that you may obtain, including creating, servicing, providing access to, and communicating with you about your account (including purchases and payments)
- Inform you about events, surveys and promotions offered by the Company or our Service Providers, Affiliates, or Business Partners (including by sending you marketing communications)
- Operate, evaluate and improve our business, including developing new products and services; managing our communications; performing market research; determining and managing the effectiveness of our advertising and marketing; analyzing our products, services and websites; administering our websites; and performing accounting, auditing, billing, reconciliation and collection activities
- Protect against and prevent fraud, unauthorized transactions, claims and other liabilities, and manage risk exposure and quality
- Ensure the safety of our network services, information resources and employees
- Verify your identity to ensure security for the other purposes listed here
- Notify you about changes to our Site or to our products or services
The Company, our Affiliates, and our Business Partners use the information we collect by automated means (including by using cookies) to:
- Measure the number of visits, average time spent, page views and other statistics about visitors to our Site
- Monitor Site performance and make the Site easier and more convenient to use
- Recognize you on subsequent visits, enhance your online experience and make our provision of products and services more efficient
You may set your Internet browser to notify you when you receive a cookie or to prevent cookies from being sent. Please note, however, that by not accepting cookies, you may limit the functionality we can provide you when you visit our Site and your ability to access certain products and services we offer.
To accomplish the functions identified in this section, we may need to transfer your personal information and to store and process it in countries other than the one in which you reside or work. You hereby acknowledge and provide your consent to the Company to transfer, store and process your personal information across national boundaries for any purposes described in this Statement.
WHEN DO WE DISCLOSE INFORMATION TO THIRD PARTIES?
When you provide information to us through our Site, we may share your information with Service Providers we have retained to perform services on our behalf. These Service Providers are not authorized by us to use or disclose the information except as necessary to perform services on our behalf or comply with legal requirements.
We may share your information with our Affiliates and Business Partners to fulfill your requests, service your account, improve our services, and develop, inform you about and provide you with offers about our products, services, and events as well as those of our Affiliates and Business Partners. We may also share your personal information with our Affiliates, Service Providers and Business Partners for their own marketing purposes.
Additionally, we may disclose your information: (i) if we are required or permitted to do so by law or legal process; (ii) to law enforcement authorities; (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity; or in the event that all or part of the Company or all or part of its assets are acquired by, merged with, sold to, or otherwise disposed of to one or more third parties (including, without limitation, in the event of bankruptcy).
We may aggregate information that we gather about our customers, sales, traffic patterns, and services and provide these statistics to our Service Providers, Affiliates and Business Partners in aggregate form. This aggregated information is not personally identifiable.
WHAT CHOICES DO YOU HAVE AND HOW CAN YOU ACCESS OR UPDATE YOUR INFORMATION?
If you provide us with your email address, we may occasionally send you email communications with information about our products and services or about offerings from our Affiliates or Business Partners. When you first provide us with your email address, you will be given the choice to direct us not to send you marketing communications. We will also include instructions in our email messages on how to unsubscribe if you later decide you do not want to receive any future marketing communications from us or from our Affiliates or Business Partners.
At times, we conduct online surveys/polls to better understand the needs, profiles and experience of our visitors. You will be given the option of not participating in such surveys/polls.
You may have a legal right to access and correct the personal information we have about you. If you want to access or correct the personal information that we have about you or have questions about doing so, please contact us.
WHAT ARE YOUR CALIFORNIA PRIVACY RIGHTS?
Under California’s “Shine the Light” law, the Company’s customers who are California residents may request and obtain a notice once a year about the personal information the Company shared with other businesses for their own direct marketing purposes. This notice includes a list of the categories of personal information that was shared (if any) and the names and addresses of all third parties with which the personal information was shared (if any). The notice covers the preceding calendar year. To obtain the notice, please contact us.
In Connection with the California Online Privacy Protection Act we are advising you that we do not respond to browser do-not-track signals. All information on who we share your data with and your choices are discussed in this statement.
WHAT STEPS DO WE TAKE TO PROTECT YOUR PERSONAL INFORMATION?
Our goal is to protect your personal information submitted to us through this Site. We and our Service Providers have implemented technical and organizational measures designed to protect against loss or unauthorized access, disclosure, alteration or destruction of the information you provide on our Site. We instruct our employees with access to your personal information that it must be used only in adherence with the principles set forth in this Statement and applicable laws. Employees who misuse customer information are subject to disciplinary action.
DOES THIS PRIVACY STATEMENT APPLY TO OTHER SITES AVAILABLE THROUGH LINKS ON OUR SITE?
This Site may provide links to other sites, but this Statement applies only to this Site and information you disclose through other sites is subject to the privacy statement or policy of those other sites. We are not responsible for the content, privacy practices or your use of these linked sites.
DOES THIS STATEMENT APPLY TO INTERNATIONAL USERS?
This Site is controlled, operated and administered by the Company and its Service Providers from various facilities in the United States of America, the European Union, and other parts of the world. This Statement is provided in accordance with and subject to applicable U.S. law. If access the Site from a location outside the United States, you agree that your use of the Site is subject to the terms of this Statement.
HOW WILL WE TELL YOU ABOUT CHANGES TO OUR PRIVACY STATEMENT?
We reserve the right to modify or supplement this Statement at any time. If we make any material change to the Statement, we will update our Site to include such changes. We recommend that you review this Statement regularly for changes.
HOW CAN YOU CONTACT US?
To contact the Company about the Site or about this Privacy Statement, please contact us.
Last updated: October 23, 2013