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NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean The Citizens Bank of Swainsboro
and Laurens County. This is our privacy notice for our customers. When we use
the words “you” and “your” we mean the following types of customers:
Our consumer customers who have
a continuing relationship by purchasing
or holding financial products or services such as a(n):
Deposit Account
Loan Account
Safe Deposit Box
Self-directed Individual Retirement Account
We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.
We first define some terms.
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. Hereafter, we
will
use the term “information” to mean nonpublic personal information as defined in
section.
An affiliate is
a company we own or control, a company that owns or controls us,
or 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 person we do not employ or a company that is
not an affiliate of ours. This is also known as nonaffiliated third party, or
simply,
an “other party”.
THE INFORMATION WE COLLECT
We collect information about you from the following sources:
Information you give us on
applications or other forms
Information about your transactions with us
Information about your transactions with our affiliates
Information about your transactions with other parties
Information from a consumer reporting agency
THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.
YOUR INFORMATION AND OUR AFFILIATES
We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:
Transaction and experience information from our account records:
Information about your transactions and experience with us, such as:
Name
Address
Account balances
Account activity
Types of accounts
Parties to the transaction
Payment history
Deposit history
Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.
Types of Affiliates
We may disclose information about you to the following types of affiliates:
Financial service providers, such as:
Securities broker-dealers
Insurance agents
YOUR INFORMATION AND OTHER PARTIES
We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.
INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except as permitted by law.
AUTHORIZED SHARING – JOINT MARKETING
We may disclose the following information to other financial institutions with whom we have joint marketing agreements:
Information you give us on an application or other forms, such as:
Name
Address
We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.
Types of Businesses
We may disclose information pursuant to joint marketing agreements to the
following types of businesses:
Financial service providers, such as:
Insurance agents