Personal Information Privacy Protection Policy
At Citizens Financial Bank, protecting the privacy and confidentiality of your personal information is important to us. We value your business and the trust you put in us. To offer you the financial products and services you seek, we collect, maintain, and use information about you on a routine basis. To help you better understand how your personal information is protected here at Citizens, we are providing you the following statement describing our practices and policies with respect to the privacy of customer information. In the event you terminate your customer relationship with us, or become an inactive customer, we will continue to adhere to the policies and practices described in this notice. Definitions to terms used within this document can be found below.
This is our privacy notice for our customers. The words “you”, “your”, or “customer” refer to consumers who have a continuing relationship with Citizens, including:
Depositors
Borrowers
Safe Deposit Box Renters
Information We Collect
As your trusted financial institution, we collect, retain, and use nonpublic personal information about individual customers, as allowed by law, to provide products and services to our customers. We may collect nonpublic personal information from such sources as:
Applications or other forms
Information about your transactions with us or others
Information we receive from consumer reporting agencies
Information We Share
We may disclose nonpublic personal information about you with our other nonaffiliated third parties under certain circumstances to provide account service. Any nonpublic personal information shared is done so in strict adherence to applicable law. We do not disclose any nonpublic personal information about you to anyone except as permitted under law. In addition, we restrict employee access to customer information only to those who have a legitimate business reason to know such information.
Who Receives Information and Why
We do not disclose any nonpublic personal information about our current or former customers to anyone, except as permitted by law. We may exchange such information with certain nonaffiliated third parties (under limited circumstances) to the extent permissible under law to service your account, offer you products or services we believe you may find valuable, report to credit bureaus, manage risk, or provide other financial service related activities.
Service Providers and Joint Marketing Partners
To provide you with products or services that we believe may meet your financial needs, we may exchange limited nonpublic personal information about you to nonaffiliated third party firms that conduct marketing services on our behalf, or with other financial institutions in order to offer financial and insurance products or services pursuant to a joint marketing agreement. Such information may include:
Information we receive from you on applications or other forms, such as your name, address, and telephone number
Information about your transactions with us or others, such as your account balance and payment history
Information we receive from a consumer reporting agencies, such as information relating to your creditworthiness and credit history
Accurate Information
Citizens values the relationship that it holds with all its customers. We are committed to maintaining accurate records of your financial information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. If after reviewing your personal information, you discover that any of this information is inaccurate, please contact our Customer Service Center at 1-888-226-523 or visit any of our banking centers to correct this information.
Changes in Privacy Policy
Citizens reserves the right to change this policy at any time by mailing a new policy to our customers or by posting our new policy on our website.
Definitions Nonpublic personal information means information that Citizens collects in connection with providing financial products or services to its customers. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
An affiliate is a company that owns or controls Citizens or a company that is owned or controlled by Citizens.
A nonaffiliated third party is any person, entity, or company that is not an affiliate.
