Privacy Policy

At Crown Ridge Bank, we take your privacy seriously. This Privacy Policy explains what personal information we collect, how we use it, how we protect it, and the rights you have over it. This policy applies to all users of our website, mobile experience, and banking services.

1 Information We Collect

We collect information you provide directly, information we collect automatically when you use our services, and information from third parties. Specifically:

• Identity information: name, email address, phone number, date of birth, and government-issued identification you provide during account opening.
• Financial information: bank account details, transaction history, deposit and withdrawal records, and payment handles.
• Technical information: IP address, device type, browser, operating system, and pages you visit on our site.
• Communication records: messages you send us by email, WhatsApp, or contact form.

2 How We Use Your Information

We use your information to operate your account, meet our legal obligations, prevent fraud, and improve our services. This includes:

• Opening, maintaining, and closing your account.
• Processing deposits, withdrawals, and transfers.
• Verifying your identity and complying with anti-money laundering laws.
• Detecting and preventing fraudulent activity.
• Sending service notifications and, with consent, marketing communications.
• Improving our website, services, and user experience.

3 How We Share Your Information

We do not sell your personal information. We share it only in the following circumstances:

• With service providers who help us operate our platform (hosting, email delivery, fraud monitoring), under strict confidentiality agreements.
• With regulatory authorities when required by law, subpoena, or court order.
• With other parties only when you have provided explicit consent.

4 How We Protect Your Information

We use bank-grade security measures, including 256-bit TLS encryption in transit, encrypted storage at rest, access controls limiting employee visibility, and continuous monitoring for suspicious activity. Access to your information is restricted to employees who need it to serve you, and all access is logged and audited.

5 Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of information we no longer need (subject to legal retention requirements).
• Opt out of marketing communications at any time.

To exercise these rights, contact our compliance team through the Contact page.

6 Data Retention

We retain your information for as long as your account is open and for a minimum of five years after closure, as required by federal banking regulations. Certain records may be kept longer if required by law or for ongoing legal matters.

7 Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will notify you by email and update the "Last updated" date at the top of this page. Continued use of our services after changes take effect constitutes acceptance of the updated policy.