Privacy Policy

Liberty Citizens Bank ("we", "our", "us") respects your privacy and is committed to protecting the personal and financial information you share with us. This policy explains how we collect, use, store, and protect your data when you engage with our banking services.

1. Information We Collect

We may collect the following information when you interact with our website, mobile app, or branch services:

  • Personal Information: Name, address, phone number, email, date of birth, Social Security Number (SSN), and government-issued ID.

  • Financial Information: Account numbers, transaction history, credit reports, income, and employment status.

  • Technical Information: IP address, device type, browser, login data, location data, and usage statistics from our online platforms.

2. How We Use Your Information

Your data is used to:

  • Open and manage your accounts

  • Process payments and transactions

  • Evaluate and approve loan or credit applications

  • Prevent fraud and comply with legal obligations

  • Communicate updates, promotions, or account information

  • Improve website, app functionality, and customer service

3. Data Sharing and Disclosure

We do not sell or rent your personal data. We only share it with:

  • Regulatory or government authorities when required by law

  • Credit bureaus for credit reporting purposes

  • Third-party vendors under strict data protection agreements (e.g., fraud detection, secure payment processors)

  • Other banks or financial institutions for joint service agreements (with your consent)

4. Data Security

We use advanced technologies to protect your data, including:

  • 256-bit encryption

  • Firewalls and intrusion detection systems

  • Multi-factor authentication (MFA)

  • Employee training on data privacy and compliance

5. Your Rights and Choices

As a Liberty Citizens Bank customer, you have the right to:

  • Access or correct your personal data

  • Opt out of non-essential marketing communications

  • Request deletion of your personal data (subject to legal requirements)

To exercise these rights, contact us at support@libertycitizensbank.com or visit any branch.