Privacy Policy

Information We Collect

Personal Information

We collect personal information that you provide directly to us, including:

• Contact information (name, address, phone number, email address)
• Government-issued identification numbers
• Financial information (account numbers, transaction history, credit information)
• Employment and income information
• Authentication credentials and security questions

Automatically Collected Information

When you use our online tools and digital banking platform, we automatically collect:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, click patterns)
• Location information (when permitted by your device settings)
• Cookies and similar tracking technologies

How We Use Your Information

We use your personal information for the following purposes:

• Providing and maintaining your banking accounts and financial services
• Processing transactions and managing your account activities
• Verifying your identity and preventing fraud
• Complying with legal and regulatory requirements
• Improving our digital banking tools and online services
• Communicating with you about your accounts and services
• Providing customer support and responding to inquiries
• Conducting risk assessments and credit evaluations

Information Sharing and Disclosure

We may share your personal information in the following circumstances:

With Your Consent

We will share your information when you have given us explicit consent to do so.

Service Providers

We may share information with trusted third-party service providers who assist us in operating our business, including payment processors, technology vendors, and professional service providers.

Legal Requirements

We may disclose your information when required by law, regulation, legal process, or governmental request, including compliance with anti-money laundering and know-your-customer requirements.

Data Security Measures

We implement comprehensive security measures to protect your personal information:

• Advanced encryption for data transmission and storage
• Multi-factor authentication for account access
• Regular security assessments and penetration testing
• Secure data centers with physical and electronic safeguards
• Employee training on data protection and privacy practices
• Incident response procedures for potential security breaches
• Regular updates to security protocols and systems

Your Privacy Rights

You have the following rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Portability: Request transfer of your information to another service provider
• Restriction: Request limitation on how we process your information
• Objection: Object to certain types of processing of your information
• Withdrawal: Withdraw consent for processing where consent was the legal basis

Regulatory Compliance

Our privacy practices comply with applicable financial services regulations, including:

• Gramm-Leach-Bliley Act (GLBA) privacy requirements
• Fair Credit Reporting Act (FCRA) provisions
• Bank Secrecy Act (BSA) and anti-money laundering regulations
• State privacy laws and regulations
• International data protection standards where applicable

Data Retention

We retain your personal information for as long as necessary to:

• Provide you with our services and maintain your accounts
• Comply with legal and regulatory requirements
• Resolve disputes and enforce our agreements
• Prevent fraud and maintain security

When information is no longer needed, we securely dispose of it in accordance with our data retention policies and applicable regulations.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience with our online tools and digital banking platform. These technologies help us:

• Remember your preferences and settings
• Provide secure access to your accounts
• Analyze website usage and improve functionality
• Detect and prevent fraudulent activities

You can manage your cookie preferences through your browser settings, though disabling certain cookies may affect the functionality of our services.

Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes through:

• Email notifications to your registered email address
• Prominent notices on our website and digital banking platform
• In-app notifications when you access our services

Your continued use of our services after such notifications constitutes acceptance of the updated policy.

Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

We are committed to addressing your privacy concerns promptly and will respond to your inquiries within 30 days of receipt.