REDcard®

TD BANK PRIVACY POLICY FOR TARGET CREDIT CARD

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Rev. 3/15

FACTS

WHAT DOES TD BANK USA, N.A. ("TD BANK") DO WITH YOUR PERSONAL INFORMATION AS AN APPLICANT FOR OR HOLDER OF THE TARGET CREDIT CARD

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

- social security number and income
- account balances and payment history
- credit history and credit scores
- account transactions

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons TD Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does TD Bank share?

Can you limit this sharing?

For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes—
to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates' everyday business purposes—
information about your transactions and experiences

Yes

No

For our affiliates' everyday business purposes—
information about your creditworthiness

No

We don't share unless you provide consent

For our affiliates to market to you

No

We don't share unless you provide consent

For non-affiliates, other than Target and its affiliates, to market to you

Yes

Yes

For Target and its affiliates to market to you
Note:
Target is a non-affiliate of TD Bank

Yes

Yes*

To limit our sharing

Call toll-free at 1-800-462-8731—our menu will prompt you through your choice(s).


Please note:
If you are a new customer and where you can prohibit our sharing, we may begin sharing your information 30 days from the date we send this notice. When you are no longer our customer, we can continue to share your information as described in this notice.


However, you can contact us at any time to limit our sharing.


*Please remember that as permitted by law, we share information about you with Target in connection with maintaining and servicing your account. Federal law does not give you the right to limit such sharing.

Questions?

Call toll-free at 1-888-755-5856

Who we are

Who is providing this notice?

This notice is provided by TD Bank solely with respect to your Target Card. This notice applies only to your Target Card account issued by TD Bank and does not apply to any other accounts you have with TD Bank or its affiliates.

What we do

How does TD Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does TD Bank collect my personal information?

We collect your personal information, for example, when you:

- open an account or give us your contact information

- use your credit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only:

- sharing for affiliates' everyday business purposes—information about your creditworthiness

  • TD Bank does not share this type of information with its affiliates unless you provide consent

- sharing for our affiliates to market to you

  • TD Bank does not share information for its affiliates to market to you unless you provide consent

- sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • TD Bank's affiliates include those companies that control, are controlled by or under common control with TD Bank US Holding Company or The Toronto-Dominion Bank.
  • Target's affiliates include those companies that control, are controlled by or under common control with Target Corporation.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Non-affiliates we share with may include vendors of products and services that you have purchased, or that we believe will be of interest to you, financial service providers or non-profit organizations
  • For example, Target is a non-affiliate of TD Bank

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners may include other banks, investment firms or insurance companies

Other important information

California and Vermont Residents: We only share information with third parties as permitted by your state’s law.