Privacy Policy

1. Information We Collect

We collect information you provide directly to us, such as when you create an account, apply for our services, or contact us. This includes:

• Personal identification information (name, address, date of birth, Social Security number)
• Financial information (income, employment, credit history)
• Contact information (email address, mailing address)
• Account and transaction information
• Device and usage information when you use our services

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our banking and credit services
• Process transactions and send related information
• Verify your identity and prevent fraud
• Comply with legal and regulatory requirements
• Communicate with you about your account and our services
• Develop new products and services

3. Information Sharing

We may share your information in the following circumstances:

• With service providers who help us operate our business
• With credit reporting agencies as permitted by law
• To comply with legal obligations or respond to lawful requests
• To protect our rights, property, or safety
• In connection with a merger, acquisition, or sale of assets

We do not sell your personal information to third parties for marketing purposes.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• 256-bit SSL encryption for data transmission
• Multi-factor authentication
• Regular security audits and monitoring
• Employee training on data protection
• Secure data centers with restricted access

5. Your Rights and Choices

You have the right to:

• Access and review your personal information
• Request corrections to inaccurate information
• Opt out of certain marketing communications
• Request deletion of your information (subject to legal requirements)
• Receive a copy of your information in a portable format

6. Cookies and Tracking

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Improve our services and user experience
• Prevent fraud and enhance security

You can control cookie settings through your browser preferences.

7. Third-Party Services

Our services may contain links to third-party websites or integrate with third-party services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information during such transfers.

9. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. When we no longer need your information, we securely delete or anonymize it.

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18.

11. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of any material changes by posting the new policy on our website and updating the "Last updated" date.

12. Contact Us

If you have questions about this privacy policy or our privacy practices, please contact us: