Privacy policy

Privacy notice

Citizens Financial Services takes great pride in our commitment to ensuring the security of a customer’s financial information. Our policy toward the sharing of your financial information exceeds federal legal requirements. In fact, we do not share your protected information (known as nonpublic personal information) with nonaffiliated third parties except for routine processing of a transaction at your request and as otherwise permitted or required by law. We do not share your protected information with outside marketing agents.

For our internal use and contact purposes, we collect the following types of information about you:

Information we receive from you on applications and other forms, such as name, address, email address, phone number, social security number, assets and income;

Information about your transactions with us, such as account balances, payment history, parties to transactions, and credit card usage; and information we receive from consumer reporting agencies, such as creditworthiness and credit history.

If you choose to close your account(s) with us or if you become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

We restrict access to protected information to those employees who need to know that information to provide products and services to you. We also maintain physical, electronic and procedural safeguards that comply with federal standards to protect your information.


We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.


Terms and Conditions of Use

  1. Terms

By accessing this website, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark laws.

  1. Use License
    1. Materials on Citizens Financial’s website are for personal, non-commercial transitory viewing only. Individuals may not:
      1. modify or copy the materials;
      2. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
  1. Disclaimer

The materials on Citizens Financial’s web site are provided “as is.” Citizens Financial makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Citizens Financial does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

  1. Limitations

In no event shall Citizens Financial or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Citizens Financial’s Internet site, even if Citizens Financial or a Citizens Financial authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

  1. Revisions

The materials appearing on Citizens Financial’s web site could include technical, typographical, or photographic errors. Citizens Financial does not warrant that any of the materials on its web site are accurate, complete, or current. Citizens Financial may make changes to the materials contained on its web site at any time without notice. Citizens Financial does not, however, make any commitment to update the materials.

*Personal Loan Terms and Conditions

ABOUT YOUR FIRM OFFER: This offer is for a secured personal loan through Citizens Financial Services (CFS). This offer of credit is extended because you meet certain criteria used by CFS. This personal loan is subject to the requirements listed in the section below.

REQUIREMENTS: In order to qualify for a loan through CFS you must continue to meet the credit criteria used to select you for this offer. If your credit score has decreased in the last 60 days, you may be declined. You will also be subject to the following minimum requirements for final approval. You must be 21 years of age or older. Your monthly payment may not exceed 20% of your monthly income. You may not qualify for a loan if your current debt is more than 45% of your yearly income (Debt to Income Ratio). You must have sufficient collateral of equal or greater value than the loan as deemed by CFS. If using a car title, the title must be a Louisiana title in your name, owned outright.

OFFER AND FINANCING: CFS will provide financing options to all qualified consumers between $500 and $5,000 with APR (Annual Percentage Rate) ranges from 24% to 36% and up to 36 months. If you receive a loan your actual monthly payment will depend on the evaluation of your creditworthiness at the time you apply. This offer may be accepted only by the person identified in this letter and is subject to verification of your identity and information. Your verified income must support your ability to repay your loan. Your loan amount may differ depending on the loan purpose, income and creditworthiness (for example, credit score and credit history). Rates are based on many factors such as creditworthiness, collateral, and payment history.

The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you.