Privacy Notice


Rev. 11/2010

FACTS

WHAT DOES Citizens Federal Savings & Loan 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 depend 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

 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 Federal Savings & Loan chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Citizens Federal Savings & Loan 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 you

No

We don't share

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

Yes

For our affiliates to market to you

No

Yes

For nonaffiliates to market to you

No

Yes

 To limit our sharing

  •  Mail the attached form
  • You can contact us at any time to limit our sharing

Please note: We respect your privacy and have never shared non-public personal information except as required by law. This will continue to be our policy.

Questions?

Call (937) 593-0015

Who We Are

Who is providing this notice?

Citizens Federal Savings and Loan Association

110 N Main Street, Bellefontaine OH 43311

What We Do

How does Citizens Federal Savings & Loan 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.

How does Citizens Federal Savings & Loan collect my personal information?

We collect your personal information, for example, when you

  • Open an account or deposit money
  • Open a safety deposit box or apply for a loan
  • Use your ATM or debit card

 

We also collect your 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
  • 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.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Citizens Federal Savings & Loan has no affiliates.

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Citizens Federal Savings & Loan does not share non-public information with non-affiliates

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Citizens Federal Savings & Loan does not jointly market.

Print out our Mail-in Form to limit your sharing preferences.

Internet Privacy Statement

We recognize the importance of protecting the privacy of personally-identifying information that may be submitted to us when you visit our website.

The information we receive depends on what you do when you visit our site. This is how we handle the information we learn about you from your visit to our website.

If you visit our site to read or download information on our web pages such as press releases and checking and savings account information:

We collect and store only the following information about you: name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account, or a similar domain corresponding to your Internet Service Provider "ISP"); date and time you access our website; pages you may have visited on our site; and Internet address of the website from where you came to visit our website.

We use the information we collect to measure the number of visitors to the different pages and sections of our site, and to help us make our site more useful to visitors.

If you visit our website to use interactive banking tools such as financial calculators and self-tests:

You may be asked for personal information in order to complete the requested analysis or evaluation. This information is NOT retained.

If you identify yourself by sending an e-mail or filling out forms:

You may be asked for personally-identifying information in order to process your e-mail, form or application. This information may be retained by us and our business partners for processing and to facilitate decisions. Information you submit to us is treated no differently than any information you might provide in a written format such as a brochure application, reorder slip to order checks, or a letter.

We Want To Be Very Clear

We protect and safeguard the privacy of users of our on-line services, just as we do throughout the rest of our business. We will use personal information to identify you, to communicate with you, and to help us answer your questions.

We will NOT sell personally-identifying information to a third party for the purpose of solicitation or provide personal information to a third party for its own use.

Sometimes we send our customers information about our products and services. If you do not wish to receive this information, or if you believe that your personal information is incorrect please contact us. We will investigate the situation and if appropriate update our records.

If you have any questions that are not answered in this section please contact us.

 

 

eStatements

Easy on the environment and your wallet.

Learn More
back to top