Terms and Conditions
Old Navy Credit Card/Old Navy Gift Cards
OLD NAVY
REWARDS PROGRAM TERMS AND CONDITIONS
INITIAL DISCLOSURES FOR BOTH THE OLD NAVY VISA CARD AND OLD NAVY CREDIT CARD CHANGE IN TERMS.
We may, at any time and subject to applicable law, change, add or delete provisions of the Agreement ("Terms Change") or terminate your Account.
Unless prohibited by applicable law, we may apply any Terms Change to any outstanding or future balances of your Account.
WISCONSIN RESIOENTS: No provision of a marital property agreement, a unilateral statement under sec. 766.59, Wis. Stats., or a court decree under sec 766.70, Wis. Stats., adversely affects the interest of the creditor unless the creditor, prior to the time credit is granted, is furnished a copy of the agree-
I ment, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. Residents of Wisconsin applying for an individual account musf give us fhe name and address of their spouse, regardless of whefher the spouse may use fhe card.
Please pro-
vide this information to us at P.O. Box 981064, EI Paso, TX 79998-1064.
ARBITRATION. The Agreement contains an arbitration provision that may substantially limit your rights ~ in the event of a dispute, including your right to litigate in court or have a jury trial, discovery and appeal I rights,and the right to participate as a representative or member of a class action. You have a right to reject the arbitration provision, by following the instructions in the arbitration provision. If you reject arbitration, it will have no effect on any other terms of the Agreement.
YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
Notify Us in Case of Errors or Questions About Your Bill
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address shown on your Statement under billing inquiries. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.
In your letter, give us the following information:
Your name and Account number.
The dollar amount of the suspected error.
Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about.
Your Rights and Our Responsibilities Alter We Receive Your Written Notice
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your Credit Limit. You do not have to pay any questioned amount while we are inves-
I tigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct.
Special Rule for Credit Card Purchases
If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right:
(a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and
(b) The purchase price must have been more than $50.
These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.
PRIVACY POLICy
This Privacy Policy describes our information collection and sharing practices. Please read it carefully. The Policy applies only to current and former customers and applicants in their relationships with us relating to consumer Old Navy Visa Card and Old Navy Credit Card Accounts of GE Money Bank ("we" or "us").
Information We Collect - We collect personally identifiable information about you (such as your address, phone number, social security number, mother's maiden name and transaction information about items purchased, payments and payment method), for identification, account management, servicing and marketing purposes. We obtain information about you dlnlcfly from you (such as on application forms), through your use of our products and services, and in some cases, irom third parties (such as credit bureaus and demographic firms). Occasionally, we may also collect information about you online using "cookies" (small pieces of data stored by your Internet browser on your computer) or other technology that may be used to remember passwords for you, to track your website usage with us, and to prOVide you with customized content, among other things.
Information We Share with Others - We may use and shal applicable law, with the following (these examples are not in
The Gap, Inc. and its Alliliates for use in connection
Navy Credit Card programs and as otherwise permitted. Provide you with notices of special promotions questions about your Account and perform other functions or for other purposes permitted service providers (such as modeling and
Service Providers, (including our affiliates) to assist u statements and promotional materials, and responding ti ing firms, such as modeling companies, to assist us in ou mation to merchants who accept the Old Navy Visa Card, for
transactions.
,
Financiallnstifutions with Whom We Jointly'Offer Financial Producll billing address is in Vermont, this information will be limited to youfname
transaction and experience information on your Account.
' ' . ' . .'
Our Alliliates, who are Other Companies in the General Electric Company Corporate Famity ("GE Family"). In addition to using our affiliates to perform services in connection wlth your Account, we may prOVide information, such as identification, transaction and experience information, to financial services affiliates, such as those offering insurance and investment products, and we may provide information to non-financial services affiliates, such as those offering consumer products.
Others: We report Account information, such as credit limit, balances and payment information, to credit bureaus. In addition, we may buy and sell assets, lines of business and/or Accounts. When this occurs, customer information generally is disclosed to bidders and is one of the transferred business assets. We also disclose information about you to third parties in certain other circumstances, as permitted by law.
Our Security Procedures - We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard nonpublic personal information about you. We limit access to personal and Account information to those employees and agents who assist us in providing products and services to you. We also require.third parties towhom we disclose nonpublic personal information to adhere to this Privacy Policy and to establish information security procedures.
Your Access 10 Information - We prOVide you access to information about your Account by sending you monthly billing statements outlining your transactions, finance charges, and other Account information, and by providing customer service representatives to answer your questions.
How This Policy Applies to You The examples contained in this Privacy Policy are illustrations only, and are not intended to be all-inclusive. If you decide to close your Account or become an inactive customer, or if we close or suspend your Account, we will continue to adhere to the privacy policies and praccribed in this notice to the extent we retain information about you. We may amend this Privacy anytime, and we will inform you of changes as required by law. You may have other privacy prounder state laws and we will comply with applicable state laws when we disclose information U. This Privacy Policy applies only to consumer Old Navy Visa Card and Old Navy Credit Card - Ink and does not apply to any other accounts you may have with us, and replaces to you about our information practices.
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About Old Navy
Old Navy is rated one of the most popular clothing stores.
Old Navy provides fashion to women, men, kids, teens and babies. Now Old Navy also offers Maternity fashion.
Old Navy constantly has special offers and sales everyday. Visit their website to see their offers.
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Terms and Conditions based on information given by Old Navy. If you have any questions or concerns, please contact Old Navy directly.
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