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Credit Privacy Policy

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FACTS
WHAT DOES KAY® JEWELERS
DO WITH YOUR PERSONAL INFORMATION?

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 account balances

• payment history and transaction history

• credit history and credit scores


When you are no longer our customer, we continue to share your information as described in this notice.

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 Kay® Jewelers chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information
Does Kay® Jewelers 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
NO
We don't share.
For our affiliates' everyday business purposes -
information about your transactions and experiences
NO
We don't share.
For our affiliates' everyday business purposes -
information about your creditworthiness
NO
We don't share.
For our nonaffiliates to market to you -
NO
We don't share.

QUESTIONS?
Contact Customer Service at 1-800-877-3616

What we do
How does Kay® Jewelers 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 Kay® Jewelers collect my personal information?
We collect your personal information, for example, when you

• open an account or give us your contact information
• pay your bills or apply for a loan
• use your credit or debit 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
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

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

• Kay® Jewelers does not share with affiliates
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Kay® Jewelers does not share with nonaffiliates so they can market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Kay® Jewelers does not joint market.

Other important information
If you reside in CA or VT, we do not share information to market to you pursuant to joint marketing agreements.

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