CSB Loyal Privacy Policy

Download our privacy notice PDF as a printable version of this information.

rev. October 2014

An introduction to this privacy policy
Facts	What does Citizens State Bank of Loyal do with your personal information?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	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 and credit scores. When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Citizens State Bank of Loyal chooses to share; and whether you can limit this sharing.

Reasons why we share certain data, what data we share, and if you can limit our sharing
Reasons we can share your personal information	Does Citizens State Bank of Loyal share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don’t share
For our affiliates’ everyday business purposes— information about your transactions and experiences	No	We don’t share
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We don’t share
For affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don’t share

What to do if you have questions
Questions?	Call 800-599-8399 or go to csbloyal.com.

Who is providing this notice
Who we are
Who is providing this notice?	Citizens State Bank of Loyal

What we do with your personal information, how we collect it, and why you can’t limit all sharing
What we do
How does Citizens State Bank of Loyal protect my personal 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.
How does Citizens State Bank of Loyal collect my personal information?	We collect your personal information, for example, when you: open an account or deposit money pay your bills or apply for a loan use your credit or debit card We also collect your personal information from others such as credit bureaus, affiliates or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes— information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?

Definitions of terms in this privacy policy
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Citizens State Bank of Loyal has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Citizens State Bank of Loyal does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Citizens State Bank of Loyal doesn't jointly market.