Disclosures

 
At First Citrus Bank, we respect each customer's right to privacy and have implemented security procedures to protect our personal and business relationships. We sincerely appreciate your decision to choose our banking services. We also believe that your privacy should not be compromised. Accordingly, we have established this Privacy policy as a guide for collection, use, retention, and security of individual customer information by our employees.

Policy Statement

The safekeeping of customer information is a high priority at First Citrus Bank. Our policy is to collect personal information when it is used to maintain customer security, when law may require it, or when it may be essential to provide normal customer service. While information is critical to providing quality service, we recognize that the trust of our customers is one of our most important assets to be protected at all times.

Collection of Customer Information

Information about customers may come from a variety of sources. Some information is provided to us directly by customers themselves. The Bank as a function of customer service develops other data. Still other data is obtained from outside sources. We will limit the use and collection of customer information to what is necessary to administer our business, provide superior service and offer services that may be beneficial to customer needs. We will use this information only in accordance with the principles established in the Policy.

Maintenance of Customer Information

We are constantly striving to maintain complete and accurate information about you and your relationship with First Citrus Bank. We pledge to respond to your requests to correct inaccurate information in a timely manner.

Limitations on Employee Access to Information

Each employee is required to follow our “Standards of Conduct and Confidentiality” which limits the access to customer information to those with a need to know such information. All customer data is considered private and privileged and is to be used solely for the purpose of providing you with the best possible service.

Established Security procedures for Protection of Information

We safeguard information according to established security standards and procedures, ever mindful of new developments in technology for protecting information. All of our operational and data processing systems as well as those of our vendors operate in a secure environment that protects your account information from access by third parties. We maintain and grant access to customer information only in accordance with our internal security standards.

Restriction on the Disclosure of Account Information

We do not reveal specific information about your accounts or other personally identifiable data to third parties for their independent use unless:

  • You request or authorize it;
  • It is necessary to complete transactions initiated by you;
  • To verify the existence and condition of your account for a third party, such as the credit bureau, a merchant or another financial institution;
  • To comply with government agencies or court orders;
  • For the investigation or prosecution of alleged fraudulent activity concerning your account.

Maintaining Customer Privacy in Business Relationships with Third Parties

When our bank conducts business with third parties, including the marketing of our own products or services, or joint marketing of financial products or services offered pursuant to joint agreements between our bank and another financial institution, we require our vendors and suppliers to maintain similar standards of conduct regarding the privacy of personally identifiable customer information.

We do not provide account or personal information to outside companies for the purpose of independent telemarketing or direct mail marketing of any non-financial service.

Providing Privacy Information to Customers and Responding to Inquires

At First Citrus Bank, we value each and every customer relationship. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how we protect your confidential information, please call (813)792-7177.