At Crestpoint Bank, we prioritize the privacy and security of our customers' personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you access our services, including our website, mobile app, and banking products. By using our services, you agree to the terms of this Privacy Policy.

 

1. Information We Collect

We collect various types of information to provide and improve our services. This includes:

1.1 Personal Information

• Full Name
• Date of Birth
• Contact Information (Email, Phone Number, Address)
• Government-Issued Identification (e.g., National ID, Passport)
• Financial Information (Account Numbers, Transaction Details)

1.2 Non-Personal Information

• Device Information (IP address, browser type, operating system)
• Usage Data (pages visited, time spent, features accessed)
• Location Data (to provide localized services)

1.3 Sensitive Personal Data

We may collect sensitive information like biometrics, when necessary, for enhanced security and compliance with regulations.

 

2. How We Use Your Information

The information we collect is used to:

• Provide banking services, including account management and transaction processing.
• Verify your identity to comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.
• Improve and personalize your experience on our platforms.
• Process payments, loans, and investments.
• Communicate with you about updates, promotions, and security alerts.
• Prevent fraudulent activities and ensure compliance with legal obligations.

 

3. How We Share Your Information

We respect your privacy and do not sell your personal information. However, we may share your information with:

3.1 Affiliates and Partners

To provide additional services, such as insurance, investments, or other financial products.

3.2 Regulatory Authorities

To comply with legal obligations, court orders, or requests from law enforcement.

3.3 Service Providers

To facilitate banking operations like payment processing, data analytics, and IT support.

3.4 Consent-Based Sharing

We will only share your information with third parties for marketing or non-essential purposes with your explicit consent.

 

4. Data Security

We implement robust security measures to protect your information, including:

• Encryption for data transmission and storage.
• Regular audits and security assessments.
• Multi-factor authentication for account access.
• Limited access to personal data by authorized personnel only.

However, no system is completely secure, and we cannot guarantee absolute protection of your data.

 

5. Your Rights

As a customer of Crestpoint Bank, you have the following rights:

• Access and Update: Review and update your personal information.
• Data Portability: Request a copy of your personal data in a machine-readable format.
• Opt-Out: Opt out of marketing communications at any time.
• Data Deletion: Request the deletion of your data where legally permissible.
• Raise Concerns: File a complaint with a data protection authority if you believe your privacy rights have been violated.

 

6. Data Retention

We retain your personal data for as long as necessary to fulfill the purposes outlined in this Privacy Policy or to comply with legal obligations.

 

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Improve website functionality.
• Analyze user behavior for service enhancement.
• Provide targeted advertisements.

You can manage your cookie preferences through your browser settings.

 

8. Third-Party Links

Our platforms may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites.

 

9. International Data Transfers

If you access our services from outside of [Your Country], your data may be transferred to, stored, or processed in a different country. We ensure these transfers comply with applicable data protection laws.

 

10. Changes to This Privacy Policy

Crestpoint Bank reserves the right to update this Privacy Policy periodically. We will notify you of significant changes through our website or other communication channels.

 

11. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us