Privacy Disclosure | The Citizens Bank

What does Citizens Bank 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 your...

Social security number
Account balances
Payment history
Transaction history
Credit history
Employment information

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 choose to share; and whether you can limit this sharing.

Reasons we share your personal information	Do we share?	Can you limit sharing?
For our everyday business purposes such as to process your transactions, maintain your accounts, 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.	No	We don't share.
For joint marketing with other financial companies	No	We don't share.
For our affiliates' everyday business purposes information about your transactions and experiences and information about your creditworthiness	No	We don't share.
For non-affiliates to market to you	No	We don't share.

Questions?

Call (870) 793–4441.

Who we are
Who is providing this notice?	Citizens Bank means The Citizens Bank.

What we do
How does Citizens 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. We also maintain other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Citizens Bank collect my personal information?	We collect your personal information when you... Open an account Apply for a loan Give us your income information Give us your contact information Provide your mortgage information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
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 non-affiliates 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.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial or non-financial companies.Citizens Bank has no affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial or non-financial companies.Citizens Bank does not share with non-affiliates so they can market to you.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you.Citizens Bank does not jointly market.

Other important information

For Alaska, Illinois, Maryland, and North Dakota customers. We will not share personal information with non-affiliates either for them to market to your or for joint marketing without your authorization.

For California customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi, and New Jersey customers. We will not share personal information from deposit for share relationships with non-affiliates either for them to market to you or for joint marketing without your authorization.

For Vermont customers. We will not share personal information with non-affiliates for them to market to you without your authorization. We will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization.

When you are no longer our customer, we continue to share your information as described in this notice.