Privacy Notice Citizens Alliance Bank

Privacy Policy

FACTS

WHAT DOES CITIZENS ALLIANCE BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial Institutions 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 employment information
Account balances and transaction or loss history
Credit scores and wire transfer instructions

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 Alliance Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Citizens Alliance Bank share?	Can you limit this sharing?
Reasons we can share your personal information 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	Does Citizens Alliance Bank share? Yes	Can you limit this sharing? No
Reasons we can share your personal information For our marketing purposes — to offer our products and services to you	Does Citizens Alliance Bank share? Yes	Can you limit this sharing? No
Reasons we can share your personal information For joint marketing with other financial companies	Does Citizens Alliance Bank share? Yes	Can you limit this sharing? No
Reasons we can share your personal information For our affiliates’ everyday business purposes — information about your transactions and experiences	Does Citizens Alliance Bank share? Yes	Can you limit this sharing? No
Reasons we can share your personal information For our affiliates’ everyday business purposes — information about your creditworthiness	Does Citizens Alliance Bank share? Yes	Can you limit this sharing? Yes
Reasons we can share your personal information For our affiliates to market to you	Does Citizens Alliance Bank share? Yes	Can you limit this sharing? Yes
Reasons we can share your personal information For nonaffiliates to market to you	Does Citizens Alliance Bank share? No	Can you limit this sharing? We do not share

To limit our sharing

Call (844) 772-4258
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call (844) 772-4258 or go to www.citizensalliancebank.com

Who we are
Who we are Who is providing this notice?	Citizens Alliance Bank

What we do
What we do How does Citizens Alliance Bank 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.
What we do How does Citizens Alliance Bank collect my personal information?	We collect your personal information, for example, when you Provide account information or give us your contact information Make deposits or withdrawals from your accounts Use your debit or credit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
What we do 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. See below for more on your rights under state law.
What we do 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
Definitions Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with Citizens Alliance name such as Citizens Alliance Agency.
Definitions Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Citizens Alliance Bank does not share with nonaffiliates so they can market to you.
Definitions Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include companies that provide marketing services on our behalf and other financial institutions with which we have joint marketing agreements.

Definitions

Affiliates

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

Our affiliates include companies with Citizens Alliance name such as Citizens Alliance Agency.

Definitions

Nonaffiliates

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

Citizens Alliance Bank does not share with nonaffiliates so they can market to you.

Definitions

Joint marketing

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

Our joint marketing partners include companies that provide marketing services on our behalf and other financial institutions with which we have joint marketing agreements.

Other important information
Other important information Important Notice about Credit Reporting:	We may report information about your account(s) to credit bureaus and/or consumer reporting agencies. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report and/or consumer report.
Other important information Do Not Call Policy:	This Privacy Policy constitutes Citizens Alliance Bank’s Do Not Call Policy under the Telephone Consumer Protection Act for all consumers. Citizens Alliance Bank maintains an internal Do Not Call preference list. Do Not Call requests will be honored within 30 days and will be effective for at least five years from the date of request. No telemarketing calls will be made to residential or cellular phone numbers that appear on the Citizens Alliance Bank Do Not Call list.
Other important information State Financial Privacy Laws:	In order to comply with applicable laws and legal requirements, we may disclose information to government entities, self-regulatory organizations, or other third parties in response to court orders, subpoenas, government inquiries, or other mandatory legal processes.
Other important information Information We Collect:	We collect information needed to provide and improve our services, process transactions, protect against fraud, and meet legal and regulatory requirements. The information we collect depends on how you interact with us. We may collect basic digital-usage details (such as IP address, device information, and pages visited) and information you provide through applications or other communications. Email and chat are not secure for sending sensitive information. Our Card Apps may collect geolocation information to help prevent fraudulent card use, but only if you authorize that collection. You may change your location permissions at any time through your device settings.

Click to Print the Privacy Policy