Privacy Policy

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS   This is our privacy notice for our customers.  When we use the 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 *  Retail installment contract we hold and service *  Self-service storage box All former customers   We will tell you the sources for nonpublic personal information we collect on our customers.  We will tell you what measures we take to secure that information.   We first define some terms.   We, our, and us means Citizens Bank of Cumberland County.   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, 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 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 nonaffiliated third parties Information from a consumer reporting agency   We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.   THE CONFIDENTIALITY, SECURITY AND INTEGRTIY OF YOUR NONPUBLIC PERSONAL INFORMATION   We restrict access to nonpublic personal 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 that comply with federal standards to guard your nonpublic personal information.   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 as 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.   JOINT MARKETING   We may disclose all of the information we collect, as described above to companies that perform joint marketing services on our behalf or to other institutions with whom we have joint marketing agreements.   TYPES OF BUSINESSES   Here are the types of businesses with whom we may disclose nonpublic personal information under this section:  Insurance Companies