Privacy Policy

  Rev. 02/2015
FACTS WHAT DOES CITIZENS BANK OF PAGOSA SPRINGS DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies 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 account balances
  • credit history and income
  • payment history and account transactions

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 BANK OF PAGOSA SPRINGS chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does CITIZENS BANK OF PAGOSA SPRINGS share? Can you limit this sharing?
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
Yes No
For our marketing purposes -
to offer our products and services to you
Yes No
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes -
information about your transactions and experiences
No We don't share
For our affiliates' everyday business purposes -
information about your creditworthiness
No We don't share
For affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share

 

Questions? Call 970-264-2235 or go to www.citizensbankpagosa.com

 

Who we are
Who is providing this notice?

CITIZENS BANK OF PAGOSA SPRINGS

What we do
How does CITIZENS BANK OF PAGOSA SPRINGS 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.

 

How does CITIZENS BANK OF PAGOSA SPRINGS collect my personal information?

We collect your personal information, for example, when you

  • deposit money or open an account
  • pay your bills or apply for financing
  • use your credit or debit card
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.

 

Definitions
Affiliates

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

  • CITIZENS BANK OF PAGOSA SPRINGS has no affiliates.
Nonaffiliates

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

  • CITIZENS BANK OF PAGOSA SPRINGS does not share with nonaffiliates so they can market to you.
Joint Marketing

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

  • CITIZENS BANK OF PAGOSA SPRINGS doesn't jointly market.
Other Important Information

If, in addition to federal law, you are protected by specific state or local regulations, Citizens Bank of Pagosa Springs will fully comply with these regulations as well.

We may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account(s) may be reflected in your credit report.