Our Privacy Commitment To You
As a customer of Citizens Trust Bank, you provide us with important information about yourself. We believe it is our responsibility to safeguard your personal information. We recognize, respect, and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customer’s information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customer’s personal information and of all consumers who visit our institution’s website.
In no case do we provide account or personal information to non-Citizens Trust Bank companies for the purpose of independent telemarketing or direct mail marketing on any non-financial products or services. We are proud to make that commitment to you, because your trust is the foundation of our business.
Our policies for protecting customer information apply equally to customers who have continuing relationships with us, as well as inactive and former customers.
The Confidentiality, Security and Integrity of Your Nonpublic Personal Information
We restrict access to nonpublic personal information about you to those employees and employees of our company who need to know that information in order to provide products or services to you, and we educate our employees about the importance of confidentiality and customer privacy. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
The Information That We Collect
We collect nonpublic personal information about you 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 that we receive from a consumer reporting agency
Most of the information that we collect is used for only one purpose, to help us deliver the services you have requested. It may also permit us to design and offer specific products and services that we believe will be useful to you and other customers.
Parties to Whom We Disclose Nonpublic Information
In order to provide an array of financial products and services to you we may disclose all the information that we collect as described above to third parties with whom we have joint marketing or service agreements. When we do share such information about you, we require these third parties and outside service providers to agree to strict provisions to safeguard the confidentiality of your information, and to abide by all applicable laws and regulations. Since we limit the sharing of your nonpublic personal information as described, no further action by you is required to limit the sharing of such information.
We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law. The information you provide us is kept in the strictest of confidence. We do not sell personal information about you to third-party businesses (nonaffiliated third parties).
Certain federal and state laws may require us to share information about you. In these instances, only the specific information required by law, subpoena, or court order will be shared.
Outside Service Providers
At times, we have arrangements with companies whose experience is essential for our own services to operate properly. For example, we work with firms that enable online banking, and make account statements possible for Citizens Trust Bank customers. These firms perform their functions at Citizens Trust Bank's direction and, as permitted by law, we share customer information necessary to perform these functions with them. As with all of our business partners, these companies are required to safeguard your information and use it only for authorized purposes.
Online Privacy
Your privacy is as important to us in the online world as it is everywhere else within Citizens Trust Bank. While this policy governs online data sharing activities, there may be cases where we need to treat your information differently than described here while doing business with you online. In these cases, we will provide you with a clear, plain-language disclosure and obtain your authorization before proceeding.
As technology continues to advance, you can be certain that Citizens Trust Bank will provide the most up-to-date safeguards possible to keep your personal financial information confidential and secure.
Nonpublic Personal Information and Affiliates
Currently, Citizens Trust Bank has no affiliate companies; however, in the future, we may disclose nonpublic personal information about you to affiliates that Citizens Trust Bank may acquire or develop.
Notify Us of Inaccurate Information We Report To Consumer Reporting Agencies
Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to the following address: Citizens Trust Bank, 75 Piedmont Avenue, Atlanta, Georgia 30303.
If you have any questions that are not answered in this section please contact us.
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