| Keeping Up With Our Privacy Policy As a result of federal legislation,
we're required to notify you of our policies regarding the sharing of
confidential personal information. We will annually provide you with
a copy of our Privacy Policy for as long as the customer relationship is
maintained. We reserve the right to change this policy at any time, but
you will be notified of any changes. If you have any questions regarding
this policy, please contact your nearest Citizens Savings and Loan office.
Information We Collect
In order to provide you with the best possible service for your account, we
collect personal information about you. This includes such things as your
name, address, telephone number and social security number. The types of
accounts you hold and services you use, such as ATM or debit cards, will
determine the types of information we may have. We collect this
information from the following sources:
* Information we receive from you on applications or other
forms.
* Information about your transactions with us, our affiliates
or others.
* Information we receive from a consumer reporting agency,
such as a credit bureau. When We Will Disclose
Your Information
We do not disclose any personal information about you to anyone, except as
permitted by law or as described below. We may disclose some of the
information we collect, as described in the Information We Collect section, to
companies that perform marketing services on our behalf or other financial
institutions with whom we have joint marketing agreements, such as credit card
or insurance companies. This is done to provide you with information about
additional products and services that may benefit you or enhance your experience
as our customer. Some examples would include information about credit life
or property insurance, credit cards, annuities, etc.
Be assured that all of these companies agree, in writing, to keep the
information shared with them secure and confidential. They are not allowed
to use your information for any purpose outside our written agreement. In
addition, we will not provide or sell your personal information for the purpose
of telemarketing or direct mail marketing of any non-financial products or
services. This has long been our policy, and it will not change. It
is our commitment to you, our customer. How We Protect Your Information
We restrict access to your personal information to those employees who need
to know that information. All employees must sign an agreement to maintain
customer confidentiality and employees who violate that agreement are subject to
disciplinary action. In addition, we maintain physical, electronic and
procedural safeguards that comply with federal standards to guard your personal
information.
Maintaining Accurate Information
We are committed to maintaining accurate and complete records and diligently
pursue the resolution of any reported or known inaccuracies or discrepancies.
If you feel that our records contain inaccurate or incomplete information,
please contact your nearest Citizens Savings and Loan office. We will
investigate your concerns and resolve the inaccuracy or discrepancy.
Use of Your Information When You're a Former Customer
When you or we end the customer relationship, your personal information is
treated as though you were still our customer. |
