Privacy Policy

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 account balances
• transaction history and credit score
• income history and payment history

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 Citizens and Farmers Bank chooses to share; and whether you can 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

Yes

No

For our affiliates' everyday business purposes - information about your transactions and experiences

Yes

No

For our affiliates' everyday business purposes - information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For our nonaffiliates to market to you

No

We don't share

Who is providing this notice?

Citizens and Farmers (C&F) Bank, C&F Mortgage Corporation, C&F Wealth Management Corporation, C&F Finance Company, and C&F Insurance Services, Inc.

How does Citizens and Farmers 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.

All of our operational and data processing systems are in a secure envioronment that protects your account information from being accessed by third parties.

How does Citizens and Farmers Bank collect my personal information?

We collect your personal information, for example, when you:

• Open an account or apply for a loan
• give us your employment information or your income information
• provide account information

We also collect your personal information from others, such as credit bureaus, affiliates, and other companies.    

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. See below for more on your rights under state law.

Your choice will apply to everyone on your account.

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include financial companies such as mortgage, insurance, investments, finance, bank and appraisal.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Citizens and Farmers Bank does not share with nonaffiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners include companies such as credit card companies, insurance companies, or service marketing companies.