Citizens Bank, N.A. recognizes and respects our customers’ right to privacy. WE are committed to protecting our customers’ privacy rights in accordance with this Privacy Disclosure which outlines measures we have implemented to maintain the privacy of nonpublic personal information. In this Disclosure, we address our privacy policies for our customers who have a banking relationship with us.
This policy applies to our registered portal users, portal visitors, and any former registered portal users and/or customers.
Collection and Use of Information
Portal visitors are not required to register in order to utilize certain features of the service such as the shopping mall and news. Portal visitors can remain anonymous. Registering on the Portal simply allows you to customize features that enable you to track certain stocks, read selected news articles, view the local weather report and personal horoscope.
The registration process only requires you to provide your name, email address, and passcode. Other information such as your birthday, zip code, and gender are optional and only used to customize features within the Portal. Your email address is your User-ID. We currently only use this address to send you a welcome letter.
In the future we may use this address to send registered users email notices for certain required regulatory disclosures, but only if you have previously agreed to accept online disclosures. We may also send emails to market our financial products and services that may be of interest to you. In addition, we may also provide you an opportunity to subscribe to a newsletter; however, we will always provide you an opportunity to opt-out of electronic disclosures and newsletters if required by law. FundsXpress may send emails as an agent on our behalf.
Funds Express, our Portal service provider, also collects general non-personally identifiable information that is generated electronically when you visit our Portal site. This information is collected on our behalf simply for administrative, statistical, and security purposes so that we may provide Portal services to you. FundsXpress uses a "web-trend cookie" to collect some of this general information on all Portal visitors. The information collected electronically and through this web trend cookie includes the following:
- The Internet address (referral site) which brought you to our web site
- The date and time you access our site
- The name and version of your web browser
- The Internet service provider you used when you accessed our site
- Your Internet Protocol (IP) address
- The pages visited in our Portal
Additional information about IP addresses and cookies are provided below.
Internet Protocol (IP) Addresses
An IP address is a number that's automatically assigned to your computer whenever you're on the Internet. Web servers, the computers that "serve up" Web pages, automatically identify your computer by its IP address.
When collecting information for us, FundsXpress does not link IP addresses to anything personally identifiable, which means that a user's session will be logged, but the user remains anonymous.
FundsXpress may use IP to address information about you from your computer or be used to audit the use of our site. They can and will use IP addresses to identify a user when necessary for security purposes.
What is a Cookie?
A cookie is a very small text file sent by a web server and stored on your hard drive, your computer's memory, or in your browser so that it can be read back later. Cookies cannot "read" information about you from your computer or be used to "steal" information about you; and cookies don't carry viruses. Cookies are a basic way for a server to identify you (most cookies actually identify the computer you happen to be using at the time, not you personally). Cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return visitors and they perform a very important function when you engage in secure Internet banking.
In addition to the Web Trend cookie, FundsXpress uses other cookies simply to facilitate the customization and personalization of the Portal. For your security, FundsXpress does not store any of your personal information in these cookies, which are further described below.
Other Information Collected through Portal Cookies:
When visitors register on the Portal and select the "Remember Me" checkbox, FundsXpress sends additional cookies to your hard drive, which enable you to customize the Portal and bypass the login process each time you revisit the Portal. These cookies are retained on your computer until you either delete them or click on the Logout link within the Portal. These cookies only contain a unique user identification number and do not contain or collect any personally identifiable information.
When registered users login to the Portal, FundsXpress sends an additional cookie called a "per-session" cookie or "server-side" cookie. This "server-side" cookie resides in the browser and is only used by FundsXpress to monitor the session by a unique identification number. This cookie is used for security purposes and you must allow your browser to accept the "server-side" cookie to use the Portal. The cookie is destroyed after eight hours.
When you click on advertisements on the Portal or at 3rd party merchants within they Portal, they may also send you a cookie to collect general non-personally identifiable information. You do not have to accept these cookies to use the Portal.
Disclosure of Information to Third Parties
We do not disclose any nonpublic (private) personal information about our registered portal customers, former customers, or visitors to anyone, except as permitted or required by law. We must share this information with FundsXpress, our service provider for the Portal. FundsXpress has a confidentiality agreement with us to protect your personal information to the same extent that we must do.
We do not sell any of your personal information.
In the future, we may share a portion of the aggregate customer information that we collect on the Portal with companies or financial institutions that perform marketing services on our behalf. We have such an agreement with FundsXpress. The disclosure of certain aggregate information to FundsXpress or other companies would only be used to help us market and/or display financial products and services that may be of particular interest to you or save you money. We will provide you an opportunity to opt-in or opt-out of such disclosure if required by law.
External 3rd Party Links
Citizens Bank, N.A. has developed strict policies and procedures to safeguard your personal information. We restrict employee access to your sensitive personal information to a "need to know" basis. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We educate our employees about the importance of confidentiality and customer privacy. We take appropriate disciplinary measures to enforce employee privacy responsibilities.
Our service provider, FundsXpress, has also developed security policies and procedures to protect the customer information that they must collect and maintain to help us provide Portal services to you over the Internet. They have a top-of-the line data center and strong security procedures to ensure that your customer information is protected within the FundsXpress environment. For more information on the FundsXpress security measures, please visit their website at www.fundsxpress.com.
Privacy of Children
Citizens Bank, N.A. respects the privacy of children. We do not knowingly collect names, emails addresses, or any other personally identifiable information from children. We do not knowingly market to children nor do we knowingly allow children to utilize the Portal.
After reviewing the information, if you believe any of the information is in error, contact us either by phone or email, or you can send us a letter that explains the alleged discrepancy. If the information is incorrect, we will work with you to ensure that your information is promptly updated.
In addition, if you believe any information that Citizens Bank, N.A. or FundsXpress has collected about you has been used for an improper purpose; please contact us. Explain your concerns in as much detail as possible so that we may take any appropriate action.