Privacy Policy
At Citizens Bank & Trust, our mission is to meet the desires of our customers. As financial services professionals entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Customer Information Privacy Principles serve as standards for all Citizens Bank employees for collection, use, retention, and security of individual customer information. We collect, retain, and use information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific business purposes – and we will tell you why we are collecting and retaining it upon your request. We use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and superior service. Employees are trained on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Citizens Bank & Trust is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protect your account information from being accessed by third parties. We do not reveal specific information about your accounts or other personally identifiable data to parties outside the bank for their independent use unless;
1. You request or authorize is;
2. The information is provided to help complete a transaction initiated by you;
3. The information is provided to a reputable credit bureau or similar information reporting agency, or;
4. The disclosure otherwise is lawfully permitted or required.
Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call Citizens Bank & Trust at: Vivian – 318-375-3217
Internet Privacy Policy
Citizens Bank & Trust Co. Vivian, LA recognizes the importance our customers place on the privacy and security of their personal information. Our goal is to protect your personal information in every way that we interact with you, whether it’s on the telephone, in our lobby, at one of our ATMs, or on the internet. This institution may utilize the services of third party providers to assist us in providing online services such as website hosting, Internet banking, bill payment, and aggregation services. These third party providers are referred to within this policy as “service providers”.
Information Collected on the Internet
If you are just browsing through our website, we do not request any personally identifiable information, nor do we collect unique identifying information about you unless you voluntarily and knowingly provide us that information, such as when you send us an email or complete an application online. If you provide us this information, it is only used internally and in furtherance of the purpose for which it was provided. As part of providing online financial products or services, we may obtain information about our customers and website visitors from the following sources:
Information we receive from you on applications, emails, or other forms;
Information you provide when you choose to customize our website;
Information about your transactions with this institution and our affiliates;
Information we receive from a customer-reporting agency; and
Information that is generated electronically when you visit our website; and
Information that is generated electronically when you use our Internet banking services.
Service providers hosting our website and our Internet banking service may collect general information on our website visitors simply to help us provide banking and other financial services to you online. They collect the following information on our behalf for security and statistical purposes:
The Internet address (referral site) which brought you to our web site;
The date and time you access our site;
The name and version of your web browser;
The Internet service provider you used when you accessed our site;
Your Internet Protocol (IP) address; and
The pages visited in our website.
Our service providers may use cookies to collect some of the above information. They may also use cookies for security purposes within our Internet Banking product. Additionally, cookies may be used for customization and personalization of our website. Additional information about IP addresses and cookies are provided below.
Internet Protocol (IP) Addresses
A cookie is a very small text file sent by a web server and stored on your hard drive, your computer’s memory or in your browser so that it can be read back later. Cookies are a basic way for a server to identify the computer you happen to be using at the time. Cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return visitors and they perform a very important function in secure Internet banking. Our service provider uses cookies for security purposes within our Internet banking product and to facilitate the customization and personalization of our website. For your security, our service provider does not store any personally identifiable information in cookies that do not pass to your computer’s hard drive. Instead, the cookie is stored in your computer’s memory, identifying only your computer while you are logged on. Only our service provider can read the information in these cookies. The internet banking cookie facilitates the processing of multiple transactions during a session without requiring you to reenter your passcode for each individual transaction. The cookies for the Internet banking simply provide another level of security for our Internet banking product. When you log off, or close your browser, the cookie is destroyed. A new cookie is used for each session. That way, no one can use the prior cookie to access your account. For additional security, the cookie expires after 10 minutes of inactivity. It must then be renewed by reentering your passcode. We do not (and cannot) use this cookie to collect or obtain new personal information about you. You must allow your browser to accept this cookie. so you can use the Internet banking product. Website Cookies: When you register on our website and select the “Remember Me” checkbox, our service provider sends a cookie to your hard drive, which enables you to customize the website and bypass the login process each time you revisit. These cookies are retained on your computer until you either delete them or click on the logout link within the website. These cookies only contain a unique user identification number and do not contain or collect any personally identifiable information. When registered users login to the website, our service provider may also send cookies called “per session” cookies or “server-side” cookies. These cookies reside in the browser and are only used to monitor the session by a unique identification number. These cookies are used for security purposes and you must allow your browser to accept these cookies in order to use the website. These cookies are destroyed after eight hours. When you click on advertisements in our website or advertisements on linked 3rd party web sites, you may receive another cookie. You do not have to accept these cookies to visit the website.
Use of Information Collected
We do not disclose any non-public personal information about our customers, former customers, website visitors to anyone, except as permitted or required by law. In order to provide online services such as: Internet banking and bill payment, we must disclose certain customer account information to our service providers. We do not sell any of your personal information. We will not disclose any medical information that you provide to us, unless you specifically authorize its disclosure.
Email Policies
We may send you email notices for certain required disclosures if you agree to accept electronic disclosures and/or online account statements. Of you have agreed to accept disclosures electronically, we may send you an email with updates to this policy and/or we may send you an email at least annually to remind you where the Privacy Policy can be viewed from our website. For more information on how to enroll for electronic disclosures, please contact us at (318) 375-3217. We may also send you emails marketing our products and services. We will always provide you an opportunity to opt-in or opt-out of email advertising promotions as required by law. If you send us an email, please do not include any non-public personal or sensitive information, as email messages may not be secure and/or confidential. We offer secure messaging through our Internet Banking service. You should use the secure messaging service anytime you send us sensitive personal information.
External 3rd Party Links
Our website may include numerous links to other 3rd party sites. These links to external third parties are offered as a courtesy and a convenience to our customers. When you visit these sites, you will leave our website and will be redirected to another site. This financial institution does not control linked 3rd party sites. We are not an agent for these third parties nor do we endorse or guarantee their products. We make no representation or warranty regarding the accuracy of the information contained in the linked sites. We suggest that you always verify the information obtained from linked websites before acting upon this information. Also, please be aware that the security privacy policies on these sites may be different from our policies, so please read third party privacy and security policies closely. While using our website, you may still see our logo when visiting other 3rd party sites. A technique called “Framing” allows us to display our logo and look and feel while allowing you to browse another site at the same time. It’s important to note that while you may still see our logo and frame, any information you provide to a 3rd party is not covered by our privacy or security policies. If you have questions or concerns about the privacy policies and practices of linked third parties, please review their websites and contact them directly. This privacy policy applies solely to information collected by this institution.
Security
This institution and its service providers have developed strict policies and procedures to safeguard your personal information. We restrict employee access to your sensitive personal information on a “need to know” basis. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We educate our employees about the importance of confidentiality and customer privacy. We take appropriate disciplinary measures to enforce employee privacy responsibilities. Our Internet banking service provider, has developed a top-of0the0line security system to ensure your customer information is protected on the Internet and within the data center environment.
Privacy of Children
This financial institution respects the privacy of children. We do not knowingly collect names, email addresses, or any other personally identifiable information from children. We do not knowingly market to children, nor do we allow children under 18 to open online accounts. Our website may include linked 3rd party sites that would be of interest to children. We are not responsible for the privacy and security practices of these sites. Parents should review the privacy policies of these sites closely before allowing children to provide any personally identifiable information.
Privacy Updates
New product releases may require changes to our Privacy Policy. The effective date of our policy will always be clearly displayed. If we make any changes regarding the use or disclosure of your personal information, we will provide you prior notice and the opportunity to opt-out of such disclosure if required by law.
Questions
If you have any questions about our privacy policy or concerns about our privacy practices, please contact us at 318-375-3217 or email cbtmemo@cbtmortgage.com
Effective Date: 12/18/03