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C&N FINANCIAL SERVICES Corp. PRIVACY POLICY
Privacy is about trust, and at C&N Financial Services
Corp. (C&NFS), your trust is our most valued assets.
We understand that your personal financial information is
your private property, and we pledge to safeguard this sensitive
and confidential information.
We want you to know that we collect, retain, and use your
confidential information only when we believe it will be
useful in providing you with a broad range of financial products
and services as effectively and conveniently as possible.
We are providing you with this policy in compliance with
federal law and to make you comfortable in understanding
what information we collect and how we use it.
What Information We Collect From You
In order to provide you with the products and services you
need, we may collect "nonpublic personal information" about
you. This information, which we consider your private property,
may include:
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Information we receive from you on account applications
and other forms, including identifying information such as
address, telephone number, e-mail address, social security
number, and credit information such as income and employment.
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Information obtained through your transactions and relationships
with us, our affiliates, or others.
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Investment and financial service information such as tax,
insurance, and financial objective information.
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Information we receive from third parties such as credit
bureaus and checking account reporting agencies.
What Information We Share With Others
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We do not share your personal information with anyone, except
as permitted by law.
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We do not sell or distribute your personal information to
other parties for telemarketing purposes.
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We may share information about our experiences
or transactions with you or your account, such as your account
balance and
your payment history with us, with companies related
to us by common control or ownership ("affiliates").
This sharing enables us to provide you with the products
and services you deserve.
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In order to provide you with the best investment
and insurance products available, we may work with one or more
other financial
institutions to jointly offer, endorse, or sponsor
a financial product or service ("Joint Marketing Agreement").
We may share nonpublic personal information with these
third party service companies, but shall limit that information
to identification, transaction, and experience information.
These companies contractually agree to maintain the
confidentiality
and security of your information, and they can only
use it for the specific purpose we identify.
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We may share nonpublic personal information
about you with other third parties in certain circumstances.
For example,
we may disclose nonpublic personal information about
you to third parties who assist us in servicing your loan or
account with us, to comply with state or federal
laws and
regulations, to protect C&N from fraud, to complete
banking transactions or transfers, or to credit bureaus
and checking
account reporting agencies to verify the existence
and condition of your account.
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If you decide to close your account(s) or become an inactive
customer, we will continue to adhere to the privacy policies
and practices described in this notice.
Protecting Your Private Property
We maintain strict information security systems to protect
your confidential information. We limit access to your
personal and account information to those employees who
need to know that information to provide products or
services to you. We maintain physical, electronic, and procedural
safeguards that comply with federal standards to guard
your personal financial information.
What if C&NFS Changes The Way We Share Information
These Privacy Disclosures do not create a contract. From
time to time, we may amend or change the terms of these
disclosures. In that event, please understand that
we will provide you with a revised Privacy Notice and opportunity
to exercise any opt out rights that may apply.
Internal Confidentiality Policy
C&N employees
are responsible for adhering to strict confidentiality standards
that are designed to protect your personal and financial information.
This code of conduct ensures your privacy by controlling access to your
information and restricting use of it. Confidentiality
standards and information access controls are regularly reviewed
and updated to ensure your privacy.
Children's Online Privacy Protection
The 1998 Children's Online Privacy Protection Act established
rules for web site operators to make sure that kid's
privacy is protected. We do not collect personal identifying
information
or any contact information from children under the
age 13. We do not distribute to third parties any personal
identifying information about children who visit our
sites. We recognize that protecting children's identities and
privacy online is important and that the responsibility
to do so rests with both the online industry and with parents.
WEB SITE INFORMATION SECURITY
Visitors to
the C&N Web sites remain anonymous. We do
not collect identifying information about visitors
to our sites. We may use standard software to collect non-identifying
information about our visitors, such as:
C&NFS uses this information to create summary statistics
and to determine the level of interest in information available
on our site. Visitors may elect to provide us with personal
information using bank supplied information forms or via
e-mail. This information is used internally, as appropriate,
to handle the sender's request. It is not disseminated or
sold to unaffiliated organizations. Remember, the use of
e-mail is not necessarily secure from access by unintended
third parties. We caution clients not to send confidential
information in e-mail messages. We also advise not to include
complete social security or account numbers in e-mail messages.
Passwords
Access to your account information is protected by a login
process that involves a personal password. You may change
your password by following the instructions at the login
process. It is strongly recommended that you do not share
this password with anyone.
Cookies
Some areas of our Web site may use a "cookie" temporarily
stored in the visitor's computer memory (RAM) to allow the
web server to log the pages you use within the site and determine
if you have visited the site before.
Encryption
One component of our on-line security system is our Secure
Socket Layer (SSL) encryption. When you visit pages requesting
or presenting sensitive financial or personal information,
we will encrypt the data to prevent third parties from
accessing it in transit. (Look for the padlock icon on
your browser.) We use 128-bit encryption for a high level
of security.
Browser Requirements
Because of our security system, you are required to use a
browser that supports 128-bit encryption if you wish to
take full advantage of C&Now Internet Banking. Our
system currently requires Netscape version 4.0+ or Microsoft
Internet Explorer version 4.0+.
Digital ID's
To ensure the security of your account information, we use
a system involving Digital Identification Certificates
from VeriSign. Using today's strongest cryptographic techniques,
VeriSign Site Seal provides a trusted means of verifying
the identity of each party in an electronic transmission.
Through Digital ID's you can be assured that you are actually
transacting with C&NFS when you transmit personal or
financial information to us through our Web site.
Accuracy of Information
We make every effort
to maintain accurate, current and complete records of financial
information about you in accordance
with reasonable and prudent standards. When we
learn of inaccuracies, we promptly make corrections. If you
believe
we have incorrectly reported information about
you or your
account to a credit bureau, please notify us promptly.
Your notice to us should be in writing and include
your complete name, current address, Social Security number,
telephone number, account number, the specific
item of
dispute and the reason you believe the information
we reported was inaccurate. Please send your notice to us
by separate
correspondence addressed to: Compliance Officer,
Citizens & Northern
Bank, 90-92 Main Street, Wellsboro, PA 16901, or
email us at shawns@cnbankpa.com for assistance.
Our Commitment to Information Security
C&N Financial Services
Corp. is committed to protecting your privacy. Your trust
is our most valued asset.
We will continue to safeguard your information and comply with
all
regulations and laws related to privacy and will continue
to assess new technology to protect your interests.
If you have any questions about privacy and information
security, please email Citizens & Northern's Chief Privacy
Officer, John Reber, at johnr@cnbankpa.com.
All Insurances are offered through C&N Financial Services,
Corp., a subsidiary of Citizens & Northern Bank
* Not
a Deposit or other obligation of C&N Bank
* Not FDIC Insured
* Not
Insured by any Federal Government Agency
* No C&N
Bank Guarantee
* Subject to investment
risk, including the loss of the principal amount invested |
Securities offered through: UVEST Financial
Services, Member NASD & SIPC. UVEST and Citizens & Northern
Bank are independent entities. |