Private and Security


This page should be read together with the information available here Citi Privacy link


Internet Privacy Policy & Statement

Citi will not disclose or provide information about you, your accounts, your relationship with the Private Bank or your usage of to any third party for any purpose without your written consent, except as set forth herein. We know, however, that most Private Bank clients want their Private Banker to give them access to products and services available from our affiliates. The Private Bank will, therefore, use data from your usage of (including information compiled using "cookie" or other "data mining" technology or otherwise) about your potential interest in products or services for the Private Bank's own marketing or development purposes, and in order to provide the Services and Information to you via Please also read below under the heading "Citi Private Bank Privacy Notice" for more information about how we collect and disclose personal information.

Use of "Cookies"
In order to provide you with better service and to enhance security within, we will occasionally use a "cookie". A "cookie" is a small piece of information that a Web site stores on your Web browser on your PC and can later retrieve. We use cookies for a number of administrative purposes, including to store your preferences for certain kinds of information. No cookie set by on your Web browser will contain information that could enable any third party to contact you via telephone, email or postal mail.

Cross Border Data Transfer; Secrecy Waiver
We currently provide the Services to you through our New York branch. By accessing and using the Services, therefore, information about you, your accounts and your relationship with us may be transferred cross-border. Such information may be subject to supervision by the regulatory authorities in each jurisdiction where services are performed or information resides, as well as in New York and in the jurisdiction of your residence or citizenship. If you are a resident of the European Union, such other countries may not offer "adequate protection" for the purposes of directive 95/46/EC of the European Union (as amended).

Disclosures to Third Parties
Information about you that is available to you via, including your account information, can become subject to the legal systems and laws in force in each state or country (a) where it is held, received or stored by you or us, (b) from where it is accessed by you or us, or (c) through which it passes. Such information can become subject to disclosure pursuant to the laws of those states or countries. In addition, because your account(s) may include information about more than one individual (e.g., where you maintain a joint account) and about your business relations with the Private Bank and its affiliates, statements released to comply with legal process may contain information regarding your relationship with these individuals and with us and our affiliates.

We may disclose your name and other personal and other financial information about you (1) at the request of a bank or other regulatory agency or in connection with an examination of us by bank or other examiners; (2) pursuant to subpoena or other legal process; (3) at the express direction of any other authorized government agency; (4) to our internal or external attorneys or auditors; (5) to others to whom we are required to make such disclosure by law; or (6) to an Internet service provider or any other third-party agent or service provider for the any purpose related to offering, providing, administering or maintaining the Services.

Data Protection on the Internet is a private, restricted-access Internet-based service. We use encryption technology to protect the transmission of account data to or from you via For security reasons and to safeguard the security of your data, access to is limited to browsers that can support a minimum of 128-bit encryption technology. Nevertheless, because information about you, your accounts and your relationship with us can be accessed through a public network, the Internet, there can be no assurance that your account information will remain secure and you accept the risk that unauthorized persons may view such information. If you believe that an unauthorized person has accessed your information, please contact a member of your Private Bank team immediately.

Please read the Terms and Conditions, which also govern your use of Citi may change this statement at any time. Any changes or updates will be effective immediately upon posting to The effective date of this statement indicates the last time this statement was changed or updated. Checking the effective date allows you to determine whether there have been changes or updates since the last time you reviewed this statement.


Citi Private Bank Privacy Notice

View the Citi Private Bank Privacy Notice.


How we protect your online security

Your online security is of utmost importance to us. We believe that good security covers all the bases—sophisticated technology, as well as the most stringent principles of privacy. Much of our work takes place behind the scenes, but occasionally we'll ask you to provide a new password or perhaps added questions to help us identify you. Below we outline a few of the ways we safeguard your online experience and offer a few suggestions to help you ensure your online security.

Strong Encryption - To ensure security while accessing our password-protected, Citi Private Bank employs 128-bit encryption and Secure Sockets Layer. 128-bit encryption, the strongest level of encryption generally available today, means there are 2128 possible combinations of keys but only one that will unlock the information.

Secure User Name and Password - You select your preferred user name and password for, and these items must be entered every time you sign-in to the Private Bank's Internet site. For information security reasons, you will be instructed to change your password periodically.

Automatic Time Out - When there is no activity for 15 minutes, your session will be terminated to help protect against unauthorized access.

Client-Driven Authentication Questions - When you call Web Services and Support with questions about, we must confirm your identity on the phone before discussing your account information. The questions and answers you select when logging into for the first time are used for this identification process.


How can you protect your online security?

Along with the security measures used by the Citi Private Bank Web site, there are measures you can take to ensure the security of your computerized personal information:

- Use anti-virus, anti-spy ware, and pop up blocker software

- Keep your Operating System updated with the latest security updates and patches.

- Review your Internet security settings

- Be wary of e-mails from addresses or people you do not know and do not open email attachments from strangers.

- Watch out for phishing e-mail scams

- Avoid using "public" computers or network connections, especially when reviewing financial information

- Do not use a computer or a device which cannot be trusted

- Protect your laptop and other portable electronic devices

- Clear your browser's cache

- Back up your personal data and store backups in a secure location

- Keep your password confidential and avoid using the same password for different Web sites

- For further information, please visit: Best Practices to Protect Your Information


Whats is encryption? What is it used for?

Encryption technology allows information to travel securely on the Internet. Using a mathematical formula, information is encoded, or "scrambled", by the sender. The receiver must decode, or "descramble" the information by using the corresponding "decoder". Without the corresponding "decoder", the information would be unusable.

Encryption technology can be used for a host of applications, including electronic commerce (sending credit card numbers for orders or transmitting account information), email messages and sensitive documents.


How secure is encryption? How secure is the Private Bank's Internet site?

The effectiveness (or level of security) for encryption is measured in terms of how long the key is—the longer the key, the longer it would take for someone without the correct "decoder" to break the code. The length of the key is measured in bits. The level of encryption used with many ordinary browsers is 40-bit, while the level of encryption required to use the Private Bank's Internet site is 128-bit.

For a 40-bit key, there are 240 possible different combinations. For a 128-bit key, there are 2128 possible different combinations.

All transmission of customer information through the Private Bank's Internet site is encrypted using 128-bit encryption technology, which is currently the strongest encryption level that is generally available. Your browser is probably 40-bit if you haven't specifically downloaded 128-bit.


What are some good security practices that I can use?

When using any Web site that contains your personal data, be aware of the following to help keep your information secure and private. Also, remember to check your information frequently. If you spot any discrepancies, report them immediately to a member of your Private Bank team.

Public Access Computers Using an Internet cafe, airport Internet kiosk, or any other shared computer to access your personal data may be convenient, but you must be aware of the potential risk involved. If you do not clear the browser's cache on the computer you use, someone else might be able to access your personal data. Also, be wary of people that may look over your shoulder—they could potentially see your login ID, password, or personal data as you use a Web site.

Web Site Authenticity One way to determine the authenticity of the Web site is to compare the URL, found in your browser's Location or Address window, with the bank name found in the digital certificate. If you're accessing Citi Private Bank's Web site, you should see a URL that starts with any of the following:


Cached Data As you use any Web site, pages, images and files that you browse or download may be stored on your computer to enhance performance. Clearing your browser's cache ensures that these local copies are removed.

Your Password Keep your password confidential and change it frequently. You can change your password in the Preferences section of, after you sign in. Avoid using the same password for different Web sites, applications, or services, particularly when they relate to different entities.

We would advise you, for your own security, not to use common information such as your birthday, telephone number or a recognizable part of your name as your password. We also advise that you do not use the same or similar user name or passwords for accessing other services (such as your user name and password for connection to the internet or to access other Web sites).

For your protection, please do not access the Citi Private Bank Web site through hyperlinks embedded in emails. This will avoid the possibility of being directed to fake Web sites, which may seek to obtain financial information about you, for example, by asking you to disclose confidential information such as account numbers.


What is the process for reporting and handling suspected security incidents?

Citi Private Bank is committed to offering our customers the highest level of support possible.

If you suspect that there has been any unauthorized breach of your account(s) online, or that an online transaction has taken place that you did not initiate, you should notify Citi Private Bank immediately.

If the circumstances require, security incidents will be escalated to our technical support staff for evaluation. If any breach of security appears to have occurred, Citi Private Bank will investigate it further.

If necessary, Citi Private Bank will provide you an interim update of our investigations and the status of your case. Final resolution of any such incident, though, will depend on the nature and complexity of the incident, as well as the details surrounding the case.


How do I clear my browser's cache?

After you sign off from, you may want to clear your browser's cache to ensure your privacy, especially if you are using a computer that other people have access to. As you use any Web site, pages, images and files that you browse or download may be stored on your computer to enhance performance. Clearing your browser's cache ensures that these local copies are removed.

Instructions for clearing your browser's cache are listed below. If you're running a browser other than those listed below and would like more information on how to clear your browser's cache, please refer to your browser's help file.

Internet Explorer 5.x or 6.x for Windows

- Choose "Internet Options..." from IE's Tools menu
- Locate the "Temporary Internet files" heading, click the "Delete Files" button, and choose "OK" when prompted.
- Locate the "History" heading, click the "Clear History" button, and choose "OK" when prompted.
- Click the OK button at the bottom of the Internet Options window.
- Close and re-start your browser.

Firefox 1.0.7 for Windows

- Choose "Options" from the Tools menu
- Click "Privacy"
- Select the Cache tab
- Check the "Clear " button
- Click OK
- Close and restart your browser

Firefox 1.5 for Windows

- Choose "Options" from the Tools menu
- Click "Privacy"
- Select the Cache tab
- Check the "Clear Cache Now" button
- Click OK
- Close and restart your browse

Safari 1.2.2 for Macintosh

- Choose "Empty Cache" from the Safari menu
- Click Ok
- Close and restart your browser

Automatic Cache Clearing for Internet Explorer Users

- Choose "Internet Options" from the Tools menu.
- Select the Advanced tab.
- Check "Empty Temporary Internet Files folder when browser is closed," located under Security.
- Click OK
- Close and restart your browser.

Automatic Cache Clearing for Firefox Users

- Choose "Options" from the Tools menu.
- Click the "Privacy" icon.
- Click the "Settings" button at the bottom of the Options window.
- Check "Cache" under "Select the items to be cleared."
- Check "Clear private data when closing Firefox" under "Settings."
- Click OK
- Close and restart your browser.