|
NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us means Citizens First Bank.
This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:
All of our consumer customers who have a continuing relationship with us, such as:
- Deposit account
- Loan account
- Credit card
- Safe deposit box
- All former customers
We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.
We first define some terms.
Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. 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 we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.
A nonaffiliated third party is a company that is not an affiliate of ours.
THE INFORMATION THAT WE COLLECT
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms
- Information about your transactions with us
- Information about your transaction with nonaffiliated third parties
- Information from a consumer reporting agency
OUR INTERNET WEBSITE
We do not collect nonpublic personal information from visitors to the Citizens First Bank website. All visitors shall remain anonymous. Visitors may elect to provide us with nonpublic personal information via email or our feedback form. This information is used internally, as appropriate to handle the sender’s request and manage the Citizens First Bank website. It is not disseminated or sold to other organizations. Visitors should, however, keep in mind that email is not secure and others may have access to their transmissions. Visitors should call us when requests or statements need to use sensitive or nonpublic personal information.
Standard software is used to collect non-identifying information about our visitors, such as:
Date and time our site was accessed
IP address (A numeric address given to servers connected to the Internet)
Web browser used
City, state and country
“COOKIES”
In some instances, Citizens First Bank may use Internet “cookies” to help us establish your identity when you visit our web site. A “Cookie” is a small text file placed on your hard drive by our web page server. This technology is only used to improve your experience on our web site by sending you more personalized information and product offers. We do not use cookies to get data from your hard drive or to get your email address or any other personal information.
CHILDREN’S INFORMATION
We recognize the importance of protecting the privacy of children online, and we comply with the requirements of the Children’s Online Privacy Protection Act that are applicable to us. We do not knowingly collect personal information from consumers under the age of thirteen.
INFORMATION WE DISCLOSE ABOUT YOU
We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions.
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.
|
