OUR SAFEGUARDS:  We restrict access to nonpublic personal information about you to those employees who need to know that information to effectively service your needs.  We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.


INFORMATION COLLECTED:  We collect nonpublic personal information about you from the following sources; (1) information we receive from you on applications or other forms, (2) information about your transactions with us, our affiliates, or others, (3) information about your transactions with nonaffiliated third parties, such as landlord or employment verifications, and (4) information from a consumer reporting agency, such as your credit worthiness and credit history.


INFORMATION DISCLOSED:  We may disclose all of the information that we collect as described above to third parties as follows; (1) financial service providers, such as mortgage brokers and insurance companies, (2) non-financial companies, such as retailers and direct marketers and (3) others, such as nonprofit organizations.  We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.  We may also disclose all information described above to companies that perform marketing services for us or for one or more other financial institutions with whom we have joint marketing agreements, as well as, other financial institutions with which we have joint marketing agreements.


INFORMATION ABOUT FORMER CUSTOMERS:  With regards to our former customers, the types of nonpublic personal information that we disclose is the same information set forth above under "INFORMATION COLLECTED".  The third parties to whom we disclose our former customers' nonpublic personal information is the same parties as listed above under "TO WHOM THE INFORMATION IS DISCLOSED".


YOUR RIGHTS:  If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law).  If your transactions with us involves joint consumers, we will treat an opt out direction by a joint consumer as applying to all of the associated joint consumers.  If you wish to opt out of disclosures to nonaffiliated third parties, you may call the following number, 1-606-546-4118, Monday - Friday between 8:00am and 5:00pm.


YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT:  We share information about you with our affiliates.  Under the Fair Credit Reporting Act you may direct us not to share certain credit information with our affiliates.  Examples of the kind of credit information that you may direct us not to share include the nonpublic personal information you provide in your application or what or that we obtain about you from nonaffiliated third parties such as credit bureaus.  If you don't want such information shared you may write to us at Central Financial Services, Inc., Attention:  Office of Consumer Privacy, P.O. Box 1599, Barbourville, Kentucky 40906.  Please provide your name, address, social security number and account number(s).  Your request not to share credit information does not include information we are permitted to share by law, such as information related solely to our experiences or transactions with you.  Your account balance and payment history are examples of transaction and experience information that we are always permitted to share with affiliates.



At Central Financial Services, Inc. (Central) and its family of financial service companies (affiliates) we are committed to providing you with top-quality financial products and services.  While our service is dependent upon your information we recognize your right to privacy.  Therefore, we want you to understand our safeguards, what information we collect, what information we share and the rights you have to protect that information.