PRIVACY POLICY
Citizens Bank of the South recognizes and respects our responsibility to protect our customers’ private information. The success of a financial institution, like ours, depends heavily on the level of trust and confidence it enjoys with its depositors, borrowers, and shareholders. In continuing our commitment to provide quality service to our customers, Citizens Bank of the South has adopted the following privacy statement for officers, directors, and employees. This privacy statement applies to individuals (consumers), and Citizens Bank of the South reserves the right to amend it at any time.
FACTS: What Does Citizens Bank of the South 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 you 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: Social Security number and income; account balances and payment history; and credit history and credit score. 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 of the South chooses to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information
|
Permissable Reasons for Sharing Information |
Does Citizens Bank of the South 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 |
No |
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 non affiliates to market to you |
No |
We don’t share |
Who We Are & What We Do
| Who we are | |
| Who is providing this notice? | Citizens Bank of the South |
| What we do | |
| How does Citizens Bank of the South 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.
We restrict access to nonpublic information about you to those employees with a legitimate business purpose. |
| How does Citizens Bank of the South collect my personal information? | We collect your personal information, for example, when you
*Open an account or show your driver’s license We also collect you 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
*sharing for affiliates’ everyday business purposes-information about your creditworthiness 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 non financial companies. *Citizens Bank of the South has no affiliates. |
| Non affiliates | Companies not related by common ownership or control. They can be financial and non financial companies. *Citizens Bank of the South does not share with non affiliates so they can market to you. |
| Joint marketing | A formal agreement between non affiliated financial companies that together market financial products or services to you. *Citizens Bank of the South doesn’t jointly market. |
MOBILE PRIVACY DISCLOSURE
| FACTS | WHAT DOES CITIZENS BANK OF THE SOUTH DO WITH YOUR PERSONAL INFORMATION |
| FROM THE MOBILE WAY APPLICATION | |
| Why? | The Mobile Way application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account.
It is important for you to understand that: · Before granting access to this information, you will be prompted to give the application that permission. · If you do not wish to grant that permission, you may decline. · If you later change your mind, those permissions can be updated in your device’s settings. |
| What? | Some examples of information your Mobile Way app will request access to are:
· Location · Contacts · Camera |
| How? | 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.
The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored information and if that information may be deleted. |
| Questions? | Please contact CITIZENS BANK OF THE SOUTH at 1-877-99-CBOTS regarding questions about the information included in this Mobile Privacy Disclosure or questions about this application.
|