rev. March 2016
Federal law requires us to tell you how we collect, share and protect your personal information. The following is our policy and practices with respect to your personal information. A written copy of this notice can be mailed to you upon request by calling 573-237-3051.
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 depends on the product or service you have with us. This information can include:
- Social Security number and income
- Account balances and payment history
- 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 institutions need to share customers’ personal information to run their everyday business – to process transactions, maintain customer accounts, and report to credit bureaus. In the section below, we list the reasons financial institutions can share their customers’ personal information; the reason Citizens Bank chooses to share; and whether you can limit the sharing.
| Reasons We Can Share Your Personal Information | Does Citizens Bank Share? | Can You Limit This Sharing? |
|---|---|---|
| For our everyday business purposes 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 | Yes | No |
| 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 our affiliates to market to you | No | We don't share |
| For nonaffiliates to market to you | No | We don't share |
Questions?
Call 573-237-3051 or go to www.citizensbankmo.com
Who is providing this notice?
Citizens Bank
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
- Secured files and buildings
- Limited access to account information
- Password protection
- Firewall/virus protection software
- Internal monitoring
How does Citizens Bank collect my personal information?
We collect your personal information, for example when you:
- Open an account or deposit money
- Pay your bills or apply for a loan
- Use your credit or debit card
We also collect your personal information from others, such as credit bureaus or other companies
Why Can’t I Limit All Sharing?
Federal law gives you the right to limit only:
- Sharing for affiliates’ everyday business purposes – information about your creditworthiness
- Affiliates from using your information to market to you
- 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. Citizens Bank has no affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and non financial companies.
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.
Citizens Bank doesn’t jointly market.
Other Important Information
Citizens Bank will notify you about their sharing practices when you open an account.