Mobile Application Privacy Policy

Citizens Bank Mobile Application Privacy Policy

At Citizens Bank, we understand how important safeguarding our customers personal information is.  We are committed to protecting your personal information at all times.

This online Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit the bank’s mobile application.  Your privacy is important to us, so to protect your personal information from unauthorized access and use, we use security measures that comply with federal law. IF YOU DO NOT AGREE WITH THE TERMS OF THIS POLICY. PLEASE DO NOT ACCESS THE APPLICATION.

We reserve the right to make changes to this Policy at any time and for any reason.  We update this notice periodically to comply with the most recent federal and local laws.  Please review it whenever you have questions.  If we make changes to this notice, we will revise the Last Updated date on this page.

When you use the Application, we collect various categories of Personal Information about you in a variety of ways.  The information we may collect via the Application depends on the content and materials you use, and may include:

Personal Data
Demographic and other personally identifiable information (such as your name and email address, user name, address, and phone number) that you voluntarily give to us when you enroll and use the Application.

Financial Data
Financial information, such as data related to your payment method (bill payment activity and payment history information) that we may collect when you make a bill payment when using the Application.

We may request access or permissions to and track location-based information from your mobile device, while using the application, to provide location-based services. If you wish to change our access or permission, you may do so in the settings on your device.

Mobile Device Access
We may request access or permission to certain features from your mobile device for the following purposes.  You may configure application access when installing or through the settings function on the device.

Permissions Functions Examples
Location Allows access to location Navigates to Branches and ATM Locations via maps
Audio Allows access to record a message Adds a Memo to the Funds Transfer Field via microphone
Camera Allows access to the device’s camera Mobile Remote Deposit
Messages Allows access to receive text messages (SMS), emails and other types of messages. For example, instant secure messages.

Secure Access Code

In-app emails

In-app messages

Mobile Device Data
Device information such as your mobile device ID number, model, and manufacturer, version of your operating system, phone number, country, location, and any other data you choose to provide.

Push Notifications
We may request to send you Push Notifications regarding your account or the Application. If you wish to opt-out of receiving these types of communications, you may turn them off in your device’s settings.

Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Application to:
1.    Compile anonymous statistical data and analysis for use internally or with third parties.
2.    Create and manage your account.
3.    Email you regarding your account or order.
4.    Fulfill and manage Bill Payments and External Transfers, and other transactions related to the Application.
5.    Increase the efficiency and operation of the Application.
6.    Monitor and analyze usage and trends to improve your experience with the Application.
7.    Offer new products, services, mobile applications, and/or recommendations to you.
8.    Perform other business activities as needed.
9.    Prevent fraudulent transactions, monitor against theft, and protect against criminal activity.
10.    Process payments.
11.    Request feedback and contact you about your use of the Application.
12.    Resolve disputes and troubleshoot problems.
13.    Respond to product and customer service requests.

We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

By Law or to Protect Rights
If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation. This includes exchanging information with other entities for fraud protection and credit risk reduction.

Third-Party Service Providers
We may share your information with third parties that perform services for us or on our behalf, including payment processing, data analysis, email delivery, hosting services and customer service. This sharing is covered in our general Privacy Policy available through the bank’s website.

You may at any time review or change the information in your account or terminate your account by:
•    Contacting us using the contact information provided below.
•    Logging into your account settings and updating your account.
Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, some information may be retained in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our Terms of Use and/or comply with legal requirements.

Inactivity Termination
You are responsible for complying with all the terms of this agreement and with the terms of the agreement governing the accounts which you access using electronic banking services. We can terminate your electronic banking privileges (including the Bill Payment service) under this agreement without notice to you if you do not comply with the agreement governing your deposit or loan accounts or your accounts are not maintained in good standing.

We may convert your account to an inactive status if you do not sign on to the service or have any transactions scheduled through the service during any consecutive 180-day period. If your account is considered inactive, you must contact us to have the service activated before you will be able to schedule any transaction through the service.

To cancel the Online Banking and/or Bill Payment service, you must notify Citizens Bank and provide your name; address; whether you are discontinuing Online Banking, Bill Payment or both; and the effective date to stop the service. When Bill Payment is terminated, any prescheduled bill payments made through Online Banking will also be terminated.

Emails and Communications
If you no longer wish to receive correspondence, emails, or other communications from us, you may opt-out by:
•    Noting your preferences at the time you register your account with the Application
•    Logging into your account settings and updating your preferences.
•    Contacting us using the contact information provided below
If you no longer wish to receive correspondence, emails, or other communications from third parties, you are responsible for contacting the third party directly.

If you have questions or comments about this Privacy Policy, please contact us at:

Phone: 505-599-0100

Citizens Bank
500 West Broadway
P.O. Box 4140
Farmington NM  87499