Privacy Policy
Data Collection and Usage
At Citizens and Northern support center, we are committed to protecting your privacy. This section outlines the types of information we collect, why we collect it, and how we use it to provide you with secure and personalized solutions services. Our practices are designed to comply with all applicable privacy laws and regulations.
Personal Information Collected
We collect various types of personal information to establish and manage your accounts, process transactions, and offer tailored financial products. This may include, but is not limited to:
- Identification Data: Your name, address, date of birth, Social Security number (SSN), and other government-issued identification details.
- Contact Information: Email address, phone number, and mailing address.
- Financial Information: Account balances, transaction history, financial support history, and income details.
- Employment Information: Occupation and employer details provided during account opening or loan applications.
- Demographic Information: While not always collected directly, certain data might indirectly reveal demographic insights.
This information is primarily collected when you apply for an account, loan, or other financial products, or when you interact with our services online or in person.
How Your Information is Used
The information we collect is essential for delivering our services and enhancing your experience. Specifically, we use your data for:
- Account Management: To open, maintain, and service your accounts, including processing transactions and providing statements.
- Customer Service: To respond to your inquiries, provide support, and resolve issues.
- Product and Service Delivery: To offer and provide you with relevant financial products, financial support, and services.
- Fraud Prevention and Security: To protect against fraud, unauthorized transactions, and other illegal activities.
- Legal and Regulatory Compliance: To comply with legal obligations, regulatory requirements, and internal policies.
- Marketing and Personalization: To inform you about products and services that may be of interest to you, based on your financial needs and preferences (you can opt-out of marketing communications).
We ensure that all data usage aligns with our commitment to transparency and your privacy rights.
Disclosure of Information
Citizens and Northern support center will not disclose your nonpublic personal information to third parties except as permitted by law. This may include disclosures to:
- Affiliates: To our affiliated companies for everyday business purposes, such as processing transactions or offering products.
- Service Providers: To non-affiliated third parties that perform services on our behalf, such as data processing, statement printing, or IT support. These providers are contractually obligated to protect your information.
- Legal and Regulatory Authorities: When required by law, subpoena, or other legal processes, or to protect our rights or property.
- Joint Marketing Partners: With whom we have agreements to offer financial products or services, but only with your consent where required.
We do not sell your personal information to anyone. We maintain strict control over how and when your information is shared.
Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site usage, and personalize content. Cookies are small text files stored on your device that help us remember your preferences and improve site functionality.
- Essential Cookies: Necessary for the website to function properly, enabling basic features like page navigation and access to secure areas.
- Analytical/Performance Cookies: Allow us to recognize and count the number of visitors and see how visitors move around our website. This helps us improve the way our website works.
- Functionality Cookies: Used to recognize you when you return to our website, enabling us to personalize content for you and remember your preferences.
- Targeting/Advertising Cookies: Record your visit to our website, the pages you have visited, and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests.
You have the option to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. However, this may prevent you from taking full advantage of the website. For more detailed information, please refer to our Cookie Policy.
Data Security
The security of your personal information is a top priority for Citizens and Northern support center. We employ a multi-layered approach to protect your data from unauthorized access, disclosure, alteration, and destruction. Our security measures are continuously reviewed and updated to adapt to evolving threats.
Measures to Protect Your Data
We implement robust technical, administrative, and physical safeguards to ensure the confidentiality and integrity of your information. These measures include:
- Encryption: We use industry-standard encryption technologies (e.g., SSL/TLS) to protect data transmitted over the internet, especially for sensitive transactions.
- Access Controls: Strict access controls are in place to limit who can view or process your personal information. Access is granted only to employees who need it to perform their job duties.
- Firewalls and Intrusion Detection Systems: Our networks are protected by advanced firewalls and intrusion detection systems to prevent unauthorized access.
- Regular Security Audits: We conduct regular security audits and vulnerability assessments to identify and address potential weaknesses in our systems.
- Employee Training: All employees receive regular training on data privacy and security best practices to ensure they understand their responsibilities in protecting your information.
- Physical Security: Our facilities are secured to prevent unauthorized physical access to our systems and data storage.
While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security.
Your Data Rights
You have specific rights concerning your personal information held by Citizens and Northern support center. We are committed to facilitating the exercise of these rights:
- Right to Access: You have the right to request a copy of the personal data we hold about you.
- Right to Correction: If you believe any information we hold about you is inaccurate or incomplete, you have the right to request its correction or update.
- Right to Deletion: In certain circumstances, you may have the right to request the deletion of your personal data. This right is subject to legal and regulatory retention requirements.
- Right to Object: You have the right to object to the processing of your personal data for certain purposes, such as direct marketing.
- Right to Data Portability: You may request to receive your personal data in a structured, commonly used, and machine-readable format.
To exercise any of these rights, please contact us using the information provided on our Contact Us page. We may require verification of your identity to process your request.
Changes to Our Privacy Policy
Citizens and Northern support center reserves the right to update or modify this Privacy Policy at any time. Any changes will be effective immediately upon posting the revised policy on our website. We encourage you to review this policy periodically to stay informed about how we are protecting your information. Your continued use of our services after any changes indicates your acceptance of the updated policy.
This policy was last updated on October 26, 2023.