Privacy Policy

1. Information We Collect

We collect information you provide directly to us when you open an account, use our services, or contact us. This includes:

• Personal identification information (name, address, date of birth, SSN)
• Contact information (email, phone, mailing address)
• Financial information (income, employment, account balances)
• Transaction history and usage data
• Device and browser information (IP address, device type, browser version)

2. How We Use Your Information

We use your information to:

• Open and manage your accounts
• Process transactions and provide banking services
• Comply with legal and regulatory requirements (BSA/AML, KYC)
• Prevent fraud and protect security
• Communicate with you about your account
• Improve our products and services

3. Information Sharing

We do not sell your personal information. We may share information with:

• Service providers who perform services on our behalf (bound by confidentiality)
• Regulatory authorities and law enforcement as required by law
• Credit reporting agencies as permitted by law
• Business partners with your consent

4. Data Security

We implement industry-standard security measures to protect your information:

• 256-bit TLS encryption for data in transit
• AES-256 encryption for data at rest
• Multi-factor authentication
• Regular security assessments and penetration testing
• Employee background checks and security training

5. Your Rights

Depending on your jurisdiction, you may have rights to:

• Access your personal data
• Request correction of inaccurate data
• Request deletion (subject to legal retention requirements)
• Opt out of marketing communications
• Data portability

6. Cookies and Tracking

We use cookies and similar technologies for:

• Essential site functionality (session management, security)
• Analytics (Google Analytics, anonymized)
• Fraud prevention

You can manage cookie preferences in your browser settings.

7. Data Retention

We retain your information for as long as your account is active and for the period required by law (typically 5-7 years after account closure for regulatory compliance).

8. Changes to This Policy

We may update this policy periodically. Material changes will be communicated via email or account notification.

9. Contact Us

Questions about this policy? Contact our Privacy Officer: