Citizens First Plc

What Information We Collect:

Personal Information

When you visit our site, we collect personal information that you provide, including in our forms, applications, surveys and other online fields. This information may include your name, mailing or email address, telephone number(s), account number(s) and other personal information you may provide. If you have a financial product or service with us, we will share and use any information we collect from or about you in accordance with our Privacy Notice which offers some choices with respect to the use and sharing of your personal information.

Non-personal Information

Citizens First Plc and service providers acting on our behalf may also collect non-personal information from your use of our online sites. This information may include your IP address, browser and/or device information, including location information, if enabled on your device, type of operating system you are using, information about the site or advertisement that brought you to our online site, and the parts of our online sites that you visit.

You have choices to limit the ways your non-personal information is collected and used, please view our Privacy Notice.

How We Collect Information:

We collect information through various means, including the information you provide directly to us on our online sites, information collected through third parties, as described below, and in an automated fashion, through your browser, cookies, pixel tags, clear gifs, web beacons, flash cookies, and other technologies.

Pixel tags, clear gifs, web beacons and flash cookies are transparent tags that are placed on a website, email or other message and are used to measure the actions of the visitor opening the page that contains the clear gifs and allow us to evaluate the effectiveness of our communications, detect and prevent fraud, advertising.

Cookies are small text tiles that are stored on your computer or mobile device that allow us to collect certain information, such as your browser type, the time you spend on our online sites and the pages you visited. Many internet browsers allow you to refuse cookies, but doing so may cause you to be unable to access certain of our services. For more information on opting out of certain tracking see the “Your Choices” section, below.

Third-Party Information

Citizens First Plc contracts with advertising companies to advertise our products and services on third-party websites and mobile applications. We may use other information we collect as described above to assist these advertising companies in selecting which of our advertisements and offers may appeal to you. Please visit the third-party websites and mobile application for their privacy policies. We may also collect information about you from other online and offline sources, including our affiliates, credit reporting agencies and other third-party sources as permitted by law. How We Use Information:

The information Citizens First Plc collects from and about you is used to increase your service and experience on our online sites. We may use your information:

• To process your requests, transactions, applications and inquiries
• To verify your identity using location-based data
• To allow you to apply for products or services (e.g., to prequalify for a mortgage, apply for a credit card, investment account or other financial product) and evaluate your eligibility for such products or services
• To provide you with updates on your accounts, products and services, such as changes to terms, conditions or policies
• To inform you about important information products or services for which you apply or may be interested in applying for, or in which you are already enrolled
• To monitor website usage and/or performance, improve customer experience on our website, ensure technological compatibility with visitors’ computers or other electronic or mobile devices, or to conduct aggregate analyses on usage patterns
• To perform analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view
• To deliver advertising to you directly or on third-party websites
• To allow you to access your online accounts
• To recognize you when you return to our sites
• For Risk Management and control purposes
• To detect and prevent fraud and increase security of our online services
• To provide you with personalized offers and customize your experience with Citizens First Plc
• To allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions and to administer these activities. Some of these activities have additional rules, which may contain additional information about how Personal Information is used and shared;
• To comply with applicable legal requirements

How We Share Information:

If you are a Citizens First Plc customer, we may share personal information that we collect about you with our service providers, affiliates, joint marketers and non-affiliated third parties in accordance with our Privacy Notice and your preferences.

• Service Providers, Affiliates or Joint Marketers. We may disclose certain personal and non-personal information we collect from your use of our online sites to companies that perform services on our behalf, including those who assist us in processing transactions, preparing and mailing statements, and responding to user inquiries. In addition, we may disclose that information to service providers that perform marketing services for us and to financial institutions with whom we have joint marketing agreements.
• Non-Affiliated Third Parties. We may disclose information about you to Non-Affiliated Third Parties as required or permitted by law, such as to comply with a subpoena, respond to inquiries from government authorities or defend legal actions.

Your Choices

Do Not Track – Targeted Advertising

Your browser may allow you to choose to not have your activities tracked.

We or our third-party advertising service providers, including network advertising companies, may use certain information about your online activities, such as websites visited and search key words entered, to help determine which of our advertisements may be of interest to you.

Please remember that even if you opt out of targeted advertising, you may still see our advertisements when you are browsing online. However, the advertisements may not be tailored to you and your interests.

Third-Party Sites

We may provide links to the online sites of third-parties on our online sites. Please note that when you leave our online sites and visit a third-party site, your visit is governed by the privacy policies and practices of that website, and not Citizens First Plc’s. We encourage you to review the terms of use and privacy policies of all third-party websites before you share any personally identifiable information with them.

Security

We maintain commercially reasonable security measures to protect your personal information collected through our site. We employ encryption technology, protecting data at each point of transfer. Data is collected on our site using SSL (Secure Sockets Layer) security. We utilize redundant systems (i.e. backup systems) to reduce the chance of data loss. We also use computer virus detection and eradication software on systems containing computer data. Firewalls are also employed to prevent unauthorized computer entry into systems containing your personal information.

Updating Your Information

It is important that your account information is accurate. Please visit Privacy Preferences to update or verify your contact information or to set marketing preferences.

How to Protect Your Personal Information

It is important that you protect your personal information. We will never request personal information, such as social security number, account numbers, PINs, or passwords, by email. If you receive an email asking for your personal information that appears to be sent from Citizens First Plc Bank, please contact us at to report the suspicious activity.