Privacy Notice & Information

Privacy Notice

FACTS	WHAT DOES Citizens & northern bank 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 Transaction History Payment 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 customers’ 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 Citizen’s & Northern Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information		Does Citizens & Northern Bank 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		Yes	No
For our affiliates’ everyday business purposes— information about your creditworthiness		No	We don’t share
For nonaffiliates to market to you		No	We don’t share

Questions?	Call 877-838-2517 or go to www.cnbankpa.com

Who we are
Who is providing this notice?	Citizens & Northern Bank

What we do
How does Citizens & Northern Bank 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 & Northern Bank collect my personal information?	We collect your personal information, for example, when you Open an account or Apply for a loan Deposit money or Pay your bills Use your debit card We also collect personal information from others, such as credit bureaus and 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.

Definitions
Affiliates		Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies such as Citizens & Northern Financial Services Corp.
Nonaffiliates		Companies not related by common ownership or control. They can be financial and nonfinancial companies. Citizens & Northern Bank 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 & Northern Bank does not jointly market.

Other important information

Last Revision 04-11-2019

C&N Digital Banking Mobile Application Policy

By utilizing C&N’s Mobile Banking App you agree to the collection and use of information in relation to this policy. If you do not agree to the permissions below, you should cease using our mobile application.

Permissions	Function
CAMERA & COLLECTION OF IMAGES	We use your mobile camera to capture and collect images of checks you deposit through mobile deposit. We may access your mobile device camera and collect images as well, if you add images to secure messaging to C&N.
LOCATION	We may utilize your location when you use the App in order to assist you in locating one or our branch locations or ATMs.
PERSONAL INFORMATION	Personal information, such as your User ID and Device ID, your device’s IP address, biometric information, and your usage of or interaction with the App, may be utilized to help for purposes of security and fraud prevention, improving your user experience, diagnostic data and support and for purposes of improving your user experience and reducing usage problems.
FILES	We may capture and collect your files or captured images on your mobile device when you attach files, pictures or other media to secure messages through our App.
AUDIO	If you send us an audio message through the App we may access your mobile device’s microphone or audio capture service.
CONTACT LIST	We will not access, capture, or collect information from your contact list.

Children’s Privacy
Our site and app are not directed to children under the age of 13, and we do not knowingly collect personal information from such children.