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Privacy Policy

As a customer of Citizens First Bank, you provide us with important information about yourself. We believe it is our responsibility to safeguard your personal and financial information. We have developed the following privacy policy to ensure you the confidentiality you deserve. We may change some of the provisions listed below from time to time, but we will keep you informed of these changes by providing this notice annually, as well as when you open new accounts with Citizens First Bank. You have our promise that we will adhere to these guidelines. It is our pledge to you.

We encourage you to be an active participant in safeguarding your information. Keep your account numbers in a safe place. Report lost or stolen identification and credit cards and PIN numbers immediately. Never keep your PIN numbers with your PULSE card, check card or credit card. Keep your mailing address up to date with us. Never give out your account number or credit card number when someone calls you, and always feel free to call Citizens First Bank to verify any request we make of you.

The following privacy policy explains how we use and protect the information about our customers. We ask that you read it carefully. If you have any questions, please call (608) 637-3133.

Notice of your financial privacy rights

We, our and us, when used in this notice, 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:

  • Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  • Deposit account
  • Loan account
  • Credit card account
  • Safe deposit box
  • Self-directed Individual Retirement Account
  • Former customers

 

We will tell you the sources of information we collect about you. 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 of service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

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.

nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also knows as nonaffiliated third party, or, simply, an “other party.”

The information we collect

We collect information about you from the following sources:

  • Information you give us on applications or other forms
  • Information about your transactions with us
  • Information about your transactions with our affiliates
  • Information about your transactions with other parties
  • Information from a consumer reporting agency
  • Information we receive as a result of verifying customer information

 

The confidentiality, security and integrity of your information

We restrict access to information about you to those employees who need to know that information to provide physical, electronic, and procedural safeguards to protect this information.

Your information and our affiliates

We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:

Transaction and experience information from our account records

  • Information about your transactions and experience with us, such as:
    • Name
    • Address
    • Account balances
    • Account activity
    • Types of accounts
    • Payment history
    • Deposit history

 

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types of affiliates
We may disclose information about you to the following types of affiliates:

  • Financial service providers, such as bankers.

 

Reasons for disclosure
We may disclose information about you to our affiliates to provide you with information about additional products and services.

Your information and other parties
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

Information about former customers
We have the same policy about disclosing information about former customers as we do about current customers.

Web Privacy Policy

Use, collection and retention of customer information

We collect, retain and use individual customer information ONLY when we reasonably believe it would be useful, and allowable by law, to administer to our business needs in providing products, services and other opportunities to our customers.

This is how we handle information we learn about you from your visit to our Web site. The information we receive depends on what you do on the site.

If you visit our site to read information, such as consumer brochures or press releases, we will collect and store only the following information: the name of the of the domain from which you access the internet (for example, aol.com); the date and time you access the site; and the internet address of the Web site from which you linked to our site.

If you send an e-mail: We will use identifying information sent in an e-mail to respond to the inquiry and provide accurate information of any questions. We will not use such information beyond the basis for the inquiry. We will not forward any such information to any third parties, unless required to do so by law.

We want to be very clear: We will not obtain personally identifying information about you when you visit our site, unless you choose to provide such information to us.

Authorized Sharing - Joint Marketing

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

  • Information you give us on an application or other forms, such as:
    • Name
    • Address
  • Information we receive from a credit reporting agency, such as:
    • Creditworthiness
    • Credit History

 

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

Types of Businesses
We may disclose information pursuant to joint marketing agreements to the following types of business:

  • Financial service providers, such as:
  • Securities broker-dealers
  • Insurance agents

 

Maintenance of accurate information

We have established procedures to ensure our customers financial information is accurate, current and complete in accordance with reasonable business standards. We also respond to requests to correct inaccurate information in a timely manner.

Employee access and protection of information via security procedures

We educate our employees so they understand the importance of customer confidentiality and privacy. We maintain rigorous security standards and procedures regarding unauthorized access to customer information.

Restrictions on disclosure of account information

We do not reveal customer account or other personally identifiable information to unaffiliated third parties for their independent use. However, we may exchange information with reputable reporting agencies to maximize the accuracy and security of the information. Additional exceptions that we must honor on behalf of our customers include:

  • Providing information to help complete a customer initiated transaction.
  • Responding to a customer’s formal request to disclose their own account information.
  • Disclosing information that is required by/allowed by law (e.g. subpoena, the investigation of fraudulent activity).

 

Maintaining customer privacy in business relationships with third parties

Whenever we provide customer information to a third party, we insist that the third party adhere to similar privacy principles for keeping such information confidential.

If you have questions or need more information, please contact us.