Privacy Policy
  

 Rev 1/11

 

FACTS

 

WHAT DOES Citizens Bank DO
WITH YOUR PERSONAL INFORMATION?

 

 

 

Why?

 

Financial companies 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. Please read this notice carefully to understand what we do.

 

 

 

What?

 

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

 

n  Social Security number and income

 

n  Account Balances and transaction history

 

n  Credit history and credit scores

 

When you are no longer our customer, we continue to share your information as described in this notice.   

 

 

 

How?

 

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Citizens Bank chooses to share; and whether you can limit this sharing.

 

 

 

Reasons we can share your personal information

 

Does Citizens Bank share?

 

Can you limit this sharing?

 

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

 

Yes

 

No

 

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

 

No

 

We don't share

 

For joint marketing with other financial companies

 

No

 

We don’t share

 

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

 

No

 

We don't share

 

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

 

No

 

We don’t share

 

For nonaffiliates to market to you

 

No

 

We don’t share

 

 

 

 

 

Questions?

 

Call 606-256-2500 or go to www.citizensbankrb.com

 

 


 

 

Page 2

 

 

 

 

Who we are

 

Who is providing this notice?

 

Citizens Bank

 

 

 

What we do

 

How does Citizens Bank 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.

Citizens Bank employees are bound by our Code of Ethics and other policies to access consumer information only for legitimate business purposes and to keep information about you confidential.

 

How does Citizens Bank collect my personal information?

 

We collect your personal information, for example, when you

 

n  Open an account or apply for a loan

 

n  Pay your bills or make deposits or withdrawals from your account

 

n  Give us your income information or provide employment information

 

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

 

n  sharing for affiliates’ everyday business purposes—information about your creditworthiness

 

n  affiliates from using your information to market to you

 

n  sharing for nonaffiliates to market to you

 

State laws and individual companies may give you additional rights to limit sharing.

 

 

 

Definitions

 

Affiliates

 

Companies related by common ownership or control. They can be financial and nonfinancial companies.

 

n  Our affiliates include nonfinancial companies, such as
Citizens Insurance Agency, LLC.

 

Nonaffiliates

 

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

 

n  Citizens Bank does not share 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.

 

n  Citizens Bank doesn’t jointly market.

 

 

 

Other important information

 

 

 

Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies. Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address:
Citizens Bank
Attn: Credit Officer
P .0. Box 1078
Mount Vernon KY 40456.

Security
This site has security measures in place to protect the loss, misuse and alteration of the information under our control.

Choice/Opt-Out
Our site provides users the opportunity to opt-out of receiving communications from us and our partners at the point where we request information about the visitor. This site gives users the following options for removing their information from our database to not receive future communications or to no longer receive our service.

You can send mail to the following postal address:
Citizens Bank
Attn: Website Privacy
PO Box 1078
Mount Vernon KY 40456

Correct/Update
This site gives users the following options for changing and modifying information previously provided. Send mail to the following postal address:

Citizens Bank
Attn: Website Corrections
PO Box 1078
Mount Vernon KY 40456

Contacting the Web Site
If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can contact:

Dennis Weiskircher or John Hopkins
411 New Brodhead Rd.
P.O. Box 1078
Mount Vernon, KY 40456
webmaster@citizensbankrb.com