Privacy Policy

1. Who We Are

SITENAME is the data controller responsible for your personal information. If you have any questions about this policy or how we handle your data, please contact us:

• Email: bank@SITEDOMAIN.com
• Address: 212 N Oak St, Elmhurst, IL 60126, United States

2. What Information We Collect

We may collect and process the following categories of personal information:

• Identity Information: full name, date of birth, government-issued ID details, Social Security Number (where required)
• Contact Information: email address, telephone number, mailing address
• Financial Information: bank account details, transaction history, credit history, income information
• Technical Information: IP address, browser type, device information, cookies, pages visited, time and date of visit
• Usage Information: information about how you use our website and services
• Communications: records of correspondence and enquiries sent to us
• Marketing Preferences: your preferences for receiving communications from us

We do not sell your personal information to third parties.

3. How We Collect Your Information

• Directly from you when you fill in forms, open an account, contact us, or use our online banking portal
• Automatically as you navigate our website via cookies and similar technologies
• From third parties such as credit reporting agencies (e.g., Equifax, Experian, TransUnion), fraud prevention services, and identity verification providers

4. How We Use Your Information

We use your personal information for the following purposes:

• To provide banking and financial services — necessary for the performance of a contract with you
• To verify your identity — required under Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and Know Your Customer (KYC) regulations
• To process transactions — necessary for service delivery
• To detect and prevent fraud — legitimate business interest and legal obligation
• To comply with legal and regulatory obligations — including federal and state banking regulations
• To improve our website and services — legitimate business interest
• To send you marketing communications — with your consent, which you may withdraw at any time
• To respond to enquiries and provide customer support

5. Who We Share Your Information With

We may share your personal information with:

• Service providers who process data on our behalf (e.g., IT providers, payment processors, cloud storage)
• Regulatory and government authorities including the IRS, FinCEN, FDIC, CFPB, and law enforcement where legally required
• Credit reporting agencies (Equifax, Experian, TransUnion) to assess creditworthiness
• Fraud prevention services to detect and prevent financial crime
• Other financial institutions where required to complete transactions (e.g., wire transfers, ACH payments)

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

6. Cookies

We use cookies and similar tracking technologies on our website. Cookies are small text files placed on your device. We use the following types:

• Strictly necessary cookies: required for the website to function. These cannot be disabled.
• Analytical cookies: help us understand how visitors use our site. Only set with your consent.
• Translation cookies: set by Google Translate when you select a language preference. Only set with your consent.

You can manage your cookie preferences at any time via the cookie consent banner on our website or through your browser settings. Most browsers allow you to refuse cookies; however, this may affect your ability to use certain features of our website.

7. Data Transfers

Your information may be processed and stored in the United States and, in some cases, by service providers operating in other countries. Where data is transferred internationally, we ensure appropriate safeguards are in place in accordance with applicable US law, including standard contractual protections with our service providers.

8. How Long We Keep Your Information

• Account and transaction records: minimum 5 years after account closure (required under federal banking regulations)
• Identity verification records: 5 years after the end of the business relationship (BSA/AML requirements)
• Tax-related records: 7 years (IRS requirements)
• Website usage data: up to 26 months
• Marketing preferences: until you withdraw consent or opt out
• Customer service correspondence: 3 years

9. Your Rights

Depending on your state of residence, you may have the following rights regarding your personal information:

• Right to know: request information about the personal data we collect, use, and share
• Right to access: request a copy of the personal information we hold about you
• Right to correction: request correction of inaccurate or incomplete information
• Right to deletion: request deletion of your personal information, subject to legal obligations
• Right to opt out of sale: we do not sell personal information, but you may request confirmation
• Right to non-discrimination: we will not discriminate against you for exercising your privacy rights
• Illinois residents: additional rights under the Illinois Personal Information Protection Act (PIPA) and Biometric Information Privacy Act (BIPA) may apply

To exercise any of these rights, contact us at bank@SITEDOMAIN.com. We will respond within 45 days. We may need to verify your identity before processing your request.

10. Data Security

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

• 256-bit SSL/TLS encryption for data in transit
• Encryption of sensitive data at rest
• Access controls and multi-factor authentication for internal systems
• Regular security assessments and vulnerability testing
• Employee training on data protection and security practices

In the event of a data breach affecting your personal information, we will notify you and relevant authorities in accordance with applicable state breach notification laws, including Illinois law (815 ILCS 530), within the required timeframe.

11. Contact & Complaints

If you have concerns about how we handle your personal information, please contact us first:

• Email: bank@SITEDOMAIN.com
• Address: 212 N Oak St, Elmhurst, IL 60126, United States

If your concern is not resolved, you may also contact the relevant state or federal regulator, including the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov or the Illinois Attorney General's Office at illinoisattorneygeneral.gov.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will notify you of any significant changes by posting a notice on our website or by email where appropriate. The date at the top of this page shows when the policy was last revised. We encourage you to review this page periodically.