PRIVACY POLICY FOR FINANCIAL PRODUCTS AND SERVICES MADE AVAILABLE BY THE KROGER FAMILY OF STORES

FACTS: WHAT DOES THE KROGER FAMILY OF STORES (KROGER) DO WITH YOUR PERSONAL INFORMATION IN CONNECTION WITH THE FINANCIAL PRODUCTS AND SERVICES THEY MAKE AVAILABLE?

Why?
Companies that offer financial products and services 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 related to financial products and services. Please read this notice carefully to understand what we do. Please see the end of this notice for information about our practices related to other types of information, such as information we receive in connection with our customer loyalty programs.

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 purchase history
  • Payment history and transaction history
  • Account transactions and checking account information

How?
All companies that offer financial products and services need to share customers’ personal information to run their everyday business. In the section below, we list the reasons these companies can share their customers’ personal information; the reasons Kroger chooses to share; and whether you can limit this sharing.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION

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.

  • Does Kroger share? Yes
  • Can you limit this sharing? No

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

  • Does Kroger share? Yes
  • Can you limit this sharing? No

For joint marketing with other financial companies.

  • Does Kroger share? Yes
  • Can you limit this sharing? No

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

  • Does Kroger share? Yes
  • Can you limit this sharing? No

For our affiliates’ everyday business purposes—information about your creditworthiness.

  • Does Kroger share? No
  • Can you limit this sharing? We don’t share

For our affiliates to market to you.

  • Does Kroger share? Yes
  • Can you limit this sharing? Yes

For nonaffiliates to market to you.

  • Does Kroger share? No
  • Can you limit this sharing? We don’t share

To limit our sharing: Call 1-800-KRO-GERS (1-800-576-4377) – our menu will prompt you through your choices.

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice, or earlier for types of information for which you do not have the right to limit our sharing. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing. Questions? Call 1-800-KRO-GERS (1-800-576-4377).

WHO WE ARE

Who is providing this notice?

The Kroger Co. and each of the following affiliates:

Dillon Companies, LLC (Baker’s, City Market, Dillons, Gerbes, and King Soopers); Ultimate Mart, LLC (Copps); Alpha Beta Company and Food 4 Less of California, Inc. (Food 4 Less); Bay Area Warehouse Stores, Inc., Cala Foods, Inc., and Food 4 Less of California, Inc. (Foods Co.); Fred Meyer Stores, Inc. (Fred Meyer and QFC); Fred Meyer Jewelers, Inc.; Smith’s Food & Drug Centers, Inc. (Fry’s and Smith’s); Harris Teeter, LLC; The Kroger Co. of Michigan and Kroger Texas L.P. (Kroger); Kroger Limited Partnership I (Jay C Food Stores, Kroger, Owen’s Pay Less Super Markets, and Ruler Foods); The Little Clinic LLC; Roundy’s Illinois, LLC (Mariano’s); Mega Marts, LLC and Shop-Rite, LLC (Metro Market and Pick ‘n Save); Murray’s Cheese LLC; Ultimate Mart, LLC and Ultra Mart Foods, LLC (Pick ‘n Save); Ralphs Grocery Company (Food 4 Less, Foods Co. and Ralphs); Roundy’s Supermarkets, Inc.; Vitacost.com, Inc.; and Kroger MTL Management, LLC.

WHAT WE DO

How does Kroger 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 Kroger collect my personal information?

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

  • Open a financial account with or through us or provide account information
  • Tell us who receives the money or tell us where to send the money
  • Pay your bills

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.

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.

Our affiliates include each of the companies listed above and 84.51 LLC.

Nonaffiliates

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

Kroger does not share personal information from financial products and services 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.

Kroger doesn’t jointly market.

Other Important Information

Vermont and California Customers: We will not share your information for joint marketing with other financial companies, unless permitted by applicable law.

ADDITIONAL INFORMATION ABOUT THIS PRIVACY POLICY:

How this Privacy Policy for Financial Products and Services Made Available by the Kroger Family of Stores Applies to You

This Privacy Policy only applies to your personal information that we collect, use and share in connection with the financial products and services that we make available to our customers. These financial products and services include (but are not limited to) the following types of products and services that we may make available: ACH debit card, prepaid cards and gift cards, money transfers, money orders, check cashing, and bill payment services. This Privacy Policy does not apply to any other products or services offered by Kroger.

A number of the financial products and services that we make available to our customers are offered by nonaffiliated financial institutions. For those products and services, the nonaffiliated financial institution will provide you its privacy policy, and that privacy policy will govern the collection and sharing of your information by that financial institution. For those products and services, this Privacy Policy will apply only to Kroger’s collection and sharing of your information.

Information Collected For Our Loyalty Program

If you provide your loyalty account information to us when obtaining a financial product or service from or through Kroger, or using a financial product or service, then we may collect information related to that transaction and include it as part of our loyalty program. All information collection for the loyalty program is covered by the Kroger Privacy Policy for non-financial products, even when gathered in connection with a financial product or service. For example, if you establish a loyalty account at the same time that you obtain a financial product or service from or through Kroger, you contact information will be included in the loyalty program data base and may be used and disclosed as provide in the Kroger Privacy Policy for non-financial products.

Use of Our Websites and Mobile Apps

We collect some information when you visit our websites or use our mobile apps, or when you use our online services or view our online advertisements. That information is also covered by the Kroger Privacy Policy for non-financial products.

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