Effective: March 1, 2022
- If you have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information.
- If you have questions after reviewing this policy, please do not hesitate to contact our Online Banking Support Team at 1-352-753-9515
Information We Collect
When you visit or use our online services, we may collect personally identifiable information from or about you such as your name, email address, mailing address, telephone number(s), account numbers, limited location information (for example, a zip code to help you find a nearby ATM), username and password. We may also collect payment card information, social security numbers, driver's license numbers (or comparable) when you provide such information while using our online services and where we believe it is reasonably required for ordinary business purposes.
Usage and Other Information
Citizens First Bank Mobile Applications
For your convenience, Citizens First Bank offers you the ability to access some of our products and services through mobile applications and mobile-optimized websites ("Citizens First Bank Mobile Banking"). When you interact with us through our Citizens First Bank Mobile application or our CFB Business The Villages application we may collect information such as unique device identifiers for your mobile device, your screen resolution and other device settings, information about your location, and analytical information about how you use your mobile device.
Why do we collect this information?
The mobile application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account.
It is important for you to understand that:
- Before granting access to this information, you will be prompted to give the application that permission.
- If you do not wish to grant that permission, you may decline.
If you later change your mind, those permissions can be updated in your device's settings.
What do we collect?
Some examples of information your app will request access to are:
How do we protect your 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.
The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored information and if that information may be deleted.
Controls & Alerts (Card Control App)
The Controls and Alerts App periodically collects, transmits, and uses geolocation information to enable features that prevent fraudulent card use and send alerts, but only if you expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the Solution is being used or not at all, depending on the your selection. Location permissions can be changed at any time in your device settings.
Additional Sources of Information
Use of Information
We use the information discussed above in a number of ways, such as:
- Processing applications and transactions;
- Verifying your identity and location(such as when you access your account information);
- Preventing fraud and enhancing the security of your account or our online services;
- Responding to your requests and communicating with you;
- Managing your preferences;
- Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view;
- Providing you tailored content and marketing messages;
- Operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions);
- Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies;
- Allowing you to participate in surveys, contests and similar promotions; and;
- For any other purposes that we may specifically disclose at the time you provide or we collect your information.
We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.
Disclosure of Information
We may share the information we collect from and about you with our affiliates and other third parties. For example, we may share your information with:
- Citizens First Bank third-party service providers
- Citizens First Bank affiliated websites and businesses in an effort to bring you improved service across our family of products and services, when permissible under relevant laws and regulations;
- Other companies to bring you co-branded services, products or programs; and
We will limit sharing of your information in accordance with our Privacy Notice.
We may share anonymous or aggregated information with third parties to help deliver products, services, and content that are better tailored to the users of our online services and for other purposes.
Understanding Cookies, Web Beacons and Other Tracking Technologies
- "Cookies" are small amounts of data a website can send to a visitor's web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies but doing so may degrade your experience with our online services.
- Clear GIFs, pixel tags or web beacons—which are typically one-pixel, transparent images located on a webpage or in an email or other message—or similar technologies may be used on our sites and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements, or you otherwise interact with advertisements outside of our online services. These are principally used to help recognize users, assess traffic patterns and measure site or campaign engagement.
Cookies and Advertising
We may use similar technologies, such as web beacons, log files and tags, alone or in conjunction with cookies, to collect statistics on your browsing patterns and/or to assess the overall activity at our website, including how often a particular web page is visited. We may also use web beacons in an email communication sent to you to determine whether you clicked on a link in the email that directs you to our website. In order to deploy this technology and gather the aforementioned information, we work with third parties to track usage across webpages and email messages. These third parties provide us with the information regarding the online activities. These technologies allow us to improve your experience when visiting or using our websites, including providing content that may be of specific interest to you or send you promotional material, such as emails tailored to your interests. This practice is known as online behavioral advertising.
Strictly Necessary Cookies
These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only activated by actions made by you, particularly when you request a service, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but this would impair the website’s functionality.
These cookies allow us to count visits and traffic sources, so we can measure and improve the performance of our site. They help us understand how visitors interact with our websites, by collecting and reporting information anonymously.
These cookies enable us to provide enhanced functionality and personalization in the website. They allow Citizens First Bank to tailor the website to your preferences, as it remembers information that changes the way the website behaves or looks, like your preferred language or the region that you are in.
Online Advertising Cookies
These cookies are used to track visitors across websites and may be set through our site by our service providers. The intention is to display ads that are relevant and engaging for the individual user.
Do Not Track Signals
A "Do Not Track Signal" is a header in the HTTP field that requests that a web application disable either its tracking or cross-site user tracking of an individual user. Citizens First Bank will allow access and navigation through its general site regardless of the existence of a user generated Do Not Track Signal. The use of a Do Not Track Signal may affect your ability to access the Citizens First Bank Online Banking section of this site unless additional verification procedures are performed.
Linking to Third-Party Websites
We use reasonable physical, electronic, and procedural safeguards that comply with federal standards to protect and limit access to personal information. This includes device safeguards and secured files and buildings.
Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information (such as your Social Security number) to us.
Updating Your Information
Keeping your account information up to date is very important. You may review or update certain account information by logging in and accessing the Citizens First Bank Online Banking section of this website. If you cannot change the incorrect information online, or you prefer to request changes offline please contact our Customer Care Center at 1-352-753-9515.
Changes to this Online Privacy Practices