Internet Privacy Policy
The Farmers Citizens Bank recognizes the importance our customers place on privacy and the security of their personal information. Our goal is to protect your personal information in every way that we interact with you, whether it's on the telephone, in our lobby, at one of our ATMs, or on the Internet.
We think it is important for you to be informed of the policies, procedures, and security measures we have in place to safeguard your personal and confidential information. We have developed this policy to help you to understand the steps we take to protect your sensitive personal information. Throughout our website, you will have access to our Privacy Policy at any time.
External 3rd Party Links
Our website has links to 3rd party sites. These links to external third parties are offered as a courtesy and a convenience to our customers. The Farmers Citizens Bank is not responsible for the privacy practices of other 3rd party websites.
Third party merchants may collect personal information from you when you visit their sites. For example, they collect personal information from you when you provide billing information. They may also collect information from you if you send them an email. Some third party merchants may also send you a cookie to collect data on your Internet usage, preferences. When you click on advertisements at third party sites, the advertising company may also send you a cookie. The Farmers Citizens Bank does NOT have access to this information, nor can we control how they use this information. As a general rule, you should always look for and review a site's privacy policy before giving out any personal information.
If you have questions or concerns about the privacy policies and practices of these third parties, please review their websites and contact them directly. The Farmers Citizens Bank assumes no responsibility for the content, safety, security, or privacy of any such site or any transactions you conduct through them. However, if you need any assistance in contacting these third parties, or if you have any concerns regarding unauthorized access to your accounts or financial institution credit cards, please contact us at 419-562- 7040 or via email at support@farmerscitizensbank.com.
Privacy Updates
New product releases may require changes to our Privacy Policy. When such changes are made, we will indicate the date of the update at the top of the Privacy Policy. We will provide our customers copies of our Privacy Policy on an annual basis. If you have agreed to accept disclosures electronically, we may send you an email telling you where the Privacy Policy can be viewed from our website.
Information That We Collect:
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 income
- Account balances and payment history
- Credit history
Our Internet financial services provider, FundsXpress Financial Network, Inc. ("FundsXpress"), also collects and maintains certain information about our customers simply to help us provide banking and other financial services to you online. They may also collect certain information for security and statistical purposes. The information collected may include:
- The Internet address (referral site) which brought you to our website.
- The date and time you access our site.
- The name and version of your web browser.
- Your Internet Protocol (IP) address.
- Content of cookies sent by FundsXpress.
- The pages visited in our website.
The information collected on the pages you visit is used only for statistical purposes and is tied only to your IP address.
Internet Protocol (IP) Addresses
An IP address is a number that's automatically assigned to your computer whenever you're surfing the Web. Web servers - the computers that "serve up" Web pages - automatically identify your computer by its IP address.
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 to FundsXpress and us.
FundsXpress may use IP addresses to audit the use of our site. FundsXpress can and will use IP addresses to identify a user when necessary for security purposes.
Visitors to the Website
Visitors to our website remain anonymous. We do not collect unique identifying information about you unless you voluntarily and knowingly provide us that information, and we don't send you a "cookie."
FundsXpress does collect and disclose general information to us about your visit, such as when you accessed our site, which pages you accessed in our website, and what Internet provider you used when you accessed our site.
You may elect to provide us with more specific information, such as when you give us feedback or send us an email. If you provide us this information, it is only used internally and in furtherance of the purpose for which it was provided.
We do not disclose or sell to any third party information that we collect or that is provided to us from visitors to our website. We do not send advertisements or email to someone who just visited our website.
Use of Cookies
Internet Banking:
When you log on to our Internet banking system, our service provider, FundsXpress, passes a cookie to your browser. The cookie only identifies your computer. FundsXpress does not (and cannot) use cookies to collect or obtain new personal information about you.
This cookie allows FundsXpress to process multiple transactions during your session without requiring you to reenter your passcode for each individual transaction. The cookies for online banking simply provide another level of security for our Internet banking product.
The FundsXpress Internet banking product uses encrypted cookies that do not pass to your hard drive. Instead, the cookie is stored in the memory of your browser, identifying your computer while you are logged on. Only FundsXpress can read the information in these cookies. When you log off, close your browser, or turn off your machine, the cookie is destroyed. A new cookie is used for each session. That way, no one can use the prior cookie to access your account. For additional security, the cookie expires after 10 minutes of inactivity. It must then be renewed by re-entering your passcode.
Information That We Disclose
- We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We do provide your account information to FundsXpress so that we may process your Internet Banking transactions.
- We do not sell any of your personal information.
- We will not disclose any medical information that you provide to us, unless youspecifically authorize its disclosure.
Security
The Farmers Citizens Bank has developed strict policies and procedures to safeguard your personal information. We restrict employee access to your nonpublic 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. We offer secure email through our online banking services. You should use the secure mail service anytime you send us sensitive personal information.
Our Internet banking service provider, FundsXpress, has also developed security policies and procedures to protect the customer information that they must collect and maintain to help us process your banking transactions over the Internet. They have developed a top- of-the-line security system to ensure your customer information is protected on the Internet and within the FundsXpress environment. For more information on the FundsXpress security measures, please click here (link to FX security discussion.)
Questions
If you would like to know what information Farmers Citizens Bank and FundsXpress have collected regarding your use of Internet products and services, please contact us at 419-562-7040 or send email to FundsXpress at support@fundsxpress.com.
After reviewing the information, if you believe any of the information is in error, contact Farmers Citizens Bank either by phone or email support@farmerscitizensbank.com, or send a letter that explains the alleged discrepancy. If the information is incorrect, we will work with FundsXpress to ensure your information is promptly updated.
In addition, if you believe any information that Farmers Citizens Bank or FundsXpress has collected about you has been used for an improper purpose, please contact us at support@farmerscitizensbank.com or contact FundsXpress at support@fundsxpress.com. Explain your concerns in as much detail as possible so that we may take any appropriate action.
Children's Online Privacy Protection Act
We want to help parents protect the privacy of children so when we identify applications or enrollment forms from a customer under the age of 13, we will be calling a Parent or Legal Guardian at the physical address provided in the enrollment form. The Parent or Legal Guardian must visit one of our convenient locations to open that account.
Children under the age of 13 cannot open accounts online or apply for access to their accounts through Internet Banking. We do not knowingly collect, maintain, or use personal information from our websites about children under the age of 13. If a child whom we know to be under the age of 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents, or seek parental consent. We are not responsible for the collection and use of information by companies or organizations outside of the Farmers Citizens Bank family that may be linked to our website.
A parent or guardian has the right to review the personal information collection on a child under 13 years old. To make such requests, please contact our Account Services Department at 419-562-7040 or email us at support@farmerscitizensbank.com.
