Privacy Notice

FactsWHAT DOES Citizens Commerce DO WITH YOUR PERSONAL INFORMATION?

Facts


Why?

WHAT DOES Citizens Commerce DO WITH YOUR PERSONAL INFORMATION?


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.

Facts


What?

WHAT DOES Citizens Commerce DO WITH YOUR PERSONAL INFORMATION?


The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and account balances
  • Credit history and payment history
  • Transaction or loss history and account transactions
    When you are no longer our customer, we continue to share your information as described in this notice.

Facts


How?

WHAT DOES Citizens Commerce DO WITH YOUR PERSONAL INFORMATION?


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 Commerce chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes Citizens Commerce share?Can you limit this sharing?

Reasons we can share your personal information


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

Does Citizens Commerce share?


Yes

Can you limit this sharing?


No

Reasons we can share your personal information


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

Does Citizens Commerce share?


No

Can you limit this sharing?


We don't share

Reasons we can share your personal information


For joint marketing with our financial companies

Does Citizens Commerce share?


Yes

Can you limit this sharing?


No

Reasons we can share your personal information


For our affiliates' everyday business purposes - information about your transactions and experiences

Does Citizens Commerce share?


No

Can you limit this sharing?


We don't share

Reasons we can share your personal information


For our affiliates' everyday business purposes - Information about your creditworthiness

Does Citizens Commerce share?


No

Can you limit this sharing?


We don't share

Reasons we can share your personal information


For our affiliates to market to you

Does Citizens Commerce share?


No

Can you limit this sharing?


We don't share

Reasons we can share your personal information


For nonaffiliates to market to you

Does Citizens Commerce share?


No

Can you limit this sharing?


We don't share
What We Do

What We Do


How does Citizens Commerce 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.

What We Do


How does Citizens Commerce collect my personal information?


We collect your personal information, for example, when you
  • Apply for a loan or deposit money
  • Make a wire transfer or provide account information
  • Provide employment information

What We Do


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

Definitions


Affiliates


Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Citizens Commerce has no affiliates.

Definitions


Nonaffiliates


Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Citizens Commerce does not share with nonaffiliates so they can market to you.

Definitions


Joint Marketing


A formal agreement between nonaffiliated financial companies that together market financial products services to you.
  • Our joint marketing partners include companies such as securities broker-dealers and insurance companies.