NOTICE OF YOUR FINANCIAL
PRIVACY RIGHTS
This is our privacy notice for
our customers. When we use words "you" and
"your" we mean the following types of customers:
- All of our consumer customers who
have a continuing relationship with us, such as:
- Deposit Account
- Loan Account
- Credit Card
- Save Deposit Box
- Self-directed Individual Retirement
Account where we act as custodian or trustee
- All persons (individuals) who do
not have a continuing relationship with us but who
may use a financial product or service we provide
in isolated transactions. This Includes, for example
someone who:
- Uses our ATM machine
- Purchases traveler's checks or
money orders
- Applies for a loan that does
not get completed
- All former customers
We will tell you the sources for all
nonpublic personal information we collect on our customers.
We will tell you what measures we take to secure that
information.
We must first define some terms.
We, our, and us
means Citizens State Bank of Arlington.
Nonpublic personal information
means information about you that we collect in connection
with providing a financial product or service to you.
Nonpublic personal information does not include information
that is available from public sources, such as telephone
directories or government records.
An affiliate is a
company we own or control, a company that owns or
controls us, and 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.
A nonaffiliated third party
is a company that is not an affiliate of ours.
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
- Information about your transactions
with our affiliates
- Information about your transactions
with nonaffiliated third parties
- Information from a consumer reporting
agency
THE CONFIDENTIALITY, SECURITY AND INTEGRITY
OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict access to nonpublic personal information
about you to those employees who need to know you. We
maintain physical, electronic, and procedural safeguards
that comply with federal regulations to guard your nonpublic
personal information.
NONPUBLIC PERSONAL INFORMATION AND AFFILIATES
We may disclose nonpublic personal
information about you. Here are the kinds of nonpublic
personal information we may disclose to our affiliates:
Transaction and expericene information
from our account records:
- Information about your transactions
and experience with us, such as
- Name
- Address
- Account balances
- Types of accounts
- Credit card usage
- Payment history
- Deposit history
- Parties to the transaction
- Social Security number
Federal law allows us to disclose the
information listed above with our affiliates. You do
not have a right to opt out the disclosure of this information.
Types of Affiliates
We may disclose nonpublic personal
information about you to the following types of affiliates:
- Financial service
providors, such as
Reasons for Disclosure
Here is why we may disclose nonpublic
personal information about you to our affiliates:
- To provide our customers with information
about additional products and services
NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED
THIRD PARTIES
Since we value our customer relationship
with you, we will not disclose your nonpublic personal
information to nonaffiliated third parties, except permitted
by law.
NONPUBLIC PERSONAL INFORMATION AND FORMER
CUSTOMERS
If you decide to close your account(s)
or become an inactive customer, we will follow the privacy
policies and practices as described in this notice.
AUTHORIZED SHARING OUTSIDE MARKETING
SERVICES
We may disclose the following
information to companies that perform marketing services
on our behalf:
- Nonpublic personal information we
receive from you on an application or other forms,
such as
- Name
- Address
- Social Security Number
- Phone Number
Federal law allows us to disclose the
information listed above with companies that perform
marketing services on our behalf. You do not have a
right to opt out of the disclosure non public personal
information. We may also disclose nonpublic personal
information about you to non affiliated third parties
as permitted by law.
Types of Businesses
Here are the types of businesses
with who we may disclose nonpublic personal information
for outside marketing purposes:
- Service providers that perform marketing
services for us
INTERNET PRIVACY
Browsing our Site
When you visit our website to view any pages, read product
information, or use our online calculators and tools,
you do so without telling us who you are and without
revealing any personal information. While we do not
collect identifying information about visitors to our
site, we do use standard software to collect information
for the strict purpose of tracking activity on our site.
This allows us to better understand how many people
use our site and which pages and features are most popular.
To evaluate the usefulness of our site, we may gather
and analyze data regarding usage such as:
• The name of your Internet Service Provider,
• The website that referred you to us (if any),
• The date and time the pages were accessed, and
• The page or pages you requested.
About "cookies"
To provide better service and a more effective web site,
we use "cookies" as part of our interaction
with your browser. A "cookie" is a small text
file placed on your hard drive by our web page server.
We do not use cookies to get data from your hard drive
or to get your email address or personal identifying
information. Cookies are commonly used on web sites
and do not harm your system. By configuring your preferences
or options in your browser, you determine if and how
a cookie will be accepted. We use cookies to determine
if you have previously visited our web site and for
a number of administrative purpose.
How We Handle E-Mail
When you send us an e-mail to comment on something or
to ask a question, we will use your e-mail address to
reply to you and for a limited time we will store your
e-mail address, your message and our response for quality
assurance. We may also do this to meet legal and regulatory
requirements. If we collect your e-mail address in this
manner, we won't use it to let you know about our products
and services unless you have given us permission. This
information is not given or sold to any other organization.
E-Mail Security
Regular non-encrypted Internet e-mail is not secure.
In the instances where our Internet e-mail addresses
are provided, these are provided for information inquiries
of a non-sensitive and non-confidential nature. E-mail
you send us may not be secure unless we advise you that
it is secure prior to transmitting your message. Therefore,
we recommend that you not send us confidential information
such as social security or account numbers via unsecured
email. You may also contact us by phone, U.S. mail or
by visiting your nearest banking center.
On-Line Banking Security
When you bank online with us, we, along with the outside
companies we work with to bring these services to you,
have access to your information. Information is retained
on our system or the system of the appropriate outside
company, depending on what is required in order to serve
you.
We use state-of-the-art Internet technology, supported
by the outside companies we work with, to make online
banking secure and to protect your personal information.
We also require an I.D. and password or PIN to access
your accounts. If you do not provide this information,
we cannot establish an online banking service for you.
You can also help safeguard your personal information
by taking a few simple precautions. Protect your account,
PIN, and customer access numbers. Do not share your
I.D. or password with anyone, change your password regularly,
and remember to sign off. Never disclose confidential
information to unknown callers. When banking on the
Internet, be sure to use a secure browser and current
virus detection software, and never open e-mail from
unknown sources.
Protecting your privacy online
Whenever we ask for personal information on our web
site, we use Secure Socket Layer (SSL technology) for
transferring data. This technology encrypts - or scrambles
- your account information so it's virtually impossible
to read by anyone other than employees at our Bank.
Secure Socket Layer (SSL) technology secretly encodes
information that is being sent over the Internet between
your computer and our Bank, helping to ensure that the
information remains confidential.
The use of SSL requires that you have an SSL compatible
browser. While older browser versions may support SSL
sessions, we strongly recommends the following browsers.
• Windows and Unix operating systems: Netscape
Navigator 4.08 of later, Netscape Communicator 4.7 or
later and Microsoft Internet Explorer 4.01 or later.
• Macintosh: Netscape Navigator 4.08 or later,
Netscape Communicator 4.7 or later and Microsoft Internet
Explorer 4.5 or later. You can download the latest version
from either of the links below.
http://www.microsoft.com/windows/ie/downloads/default.mspx
http://home.netscape.com/download/index.html
Protecting Your Children
Our website is not targeted or marketed to children
under the age of thirteen. We respect the privacy of
your children, and we comply with the practices established
under the Children's Online Privacy Protection Act.
We do not knowingly collect or retain personally identifiable
information from consumers under the age of thirteen.
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