Ð̸PRIVACY POLICY

DEADMONG Bank ("we," "us," or "our") has been protecting customer assets and information since 1892. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal and financial information when you use our banking services, website, mobile applications, and related services.

Your privacy is paramount. We are committed to maintaining the highest standards of data protection in accordance with applicable federal and state laws, including the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and other relevant regulations.

To provide you with comprehensive banking services, we collect various types of information:

• Personal Identification Information: Name, date of birth, Social Security number, government-issued ID, contact information (address, phone, email)
• Financial Information: Account numbers, transaction history, payment history, credit scores, income and employment details
• Technical Information: IP addresses, device information, browser type, operating system, access times, pages viewed
• Biometric Data: Fingerprints, facial recognition data (when you opt-in to biometric authentication)
• Communication Records: Call recordings, chat transcripts, email correspondence for quality and training purposes
• Location Data: Geographic location when using mobile applications (with your permission)

We use your information to deliver exceptional banking services and maintain regulatory compliance:

• Process transactions, maintain accounts, and provide requested banking services
• Verify your identity and prevent fraud, money laundering, and other financial crimes
• Comply with legal obligations, court orders, and regulatory requirements
• Improve our products, services, and customer experience through data analysis
• Send important account notifications, statements, and service updates
• Market relevant products and services (you can opt-out at any time)
• Assess creditworthiness and manage risk for loan applications
• Maintain security and protect against unauthorized access

We do not sell your personal information. We may share your information only in these limited circumstances:

• Service Providers: Third-party vendors who assist with operations (payment processors, IT services, security firms) under strict confidentiality agreements
• Financial Partners: Partner banks for linked account services, with your explicit consent
• Legal Requirements: Government agencies, law enforcement, or courts when required by law or to protect our rights
• Credit Bureaus: Credit reporting agencies to report account activity and assess creditworthiness
• Business Transfers: In the event of merger, acquisition, or sale of assets (with notice to affected customers)
• With Your Consent: Any other party when you provide explicit authorization

All third parties receiving your information are contractually obligated to maintain confidentiality and use data only for specified purposes.

Protecting your financial information is our top priority. We employ multiple layers of security:

• Encryption: 256-bit SSL/TLS encryption for all data transmission and AES-256 for data at rest
• Authentication: Multi-factor authentication, biometric options, and OAuth 2.0 security protocols
• Monitoring: 24/7 security monitoring, fraud detection systems, and real-time threat analysis
• Access Controls: Strict internal access policies limiting data access to authorized personnel only
• Regular Audits: Annual security audits, penetration testing, and compliance reviews
• Employee Training: Mandatory security and privacy training for all staff members
• Physical Security: Secured data centers with restricted access and environmental controls

Our website and mobile applications use cookies and similar technologies to enhance your experience:

• Essential Cookies: Required for basic functionality, security, and session management
• Performance Cookies: Analyze site usage and improve performance (anonymous data)
• Functionality Cookies: Remember your preferences and settings
• Marketing Cookies: Deliver relevant advertisements (you can opt-out via cookie settings)

You can control cookies through your browser settings, though disabling certain cookies may limit website functionality. Our mobile apps may also collect device identifiers and app usage data to improve service delivery.

Depending on your location, you may have additional rights under privacy laws:

• Access: Request copies of personal information we hold about you
• Correction: Update or correct inaccurate personal information
• Deletion: Request deletion of your data (subject to legal retention requirements)
• Portability: Receive your data in a structured, commonly used format
• Opt-Out: Decline marketing communications and certain data sharing
• Non-Discrimination: Exercise privacy rights without penalty or reduced service

To exercise these rights, contact our Privacy Officer using the contact information below. We will respond to verified requests within 30 days.

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we discover that we have inadvertently collected information from a child under 18, we will delete it immediately.

Custodial accounts for minors are managed by parents or legal guardians who must provide consent for information collection and use.

While DEADMONG Bank primarily operates in the United States, your information may be transferred to and processed in countries outside your jurisdiction. We ensure appropriate safeguards are in place, including:

• Standard contractual clauses approved by regulatory authorities
• Adequate data protection certifications and frameworks
• Binding corporate rules for international data transfers

By using our services, you consent to such transfers in accordance with this Privacy Policy and applicable law.

We retain your personal information for as long as necessary to:

• Maintain your accounts and provide ongoing services
• Comply with legal, regulatory, and tax requirements (typically 7-10 years)
• Resolve disputes and enforce our agreements
• Prevent fraud and maintain security

After the retention period expires, we securely delete or anonymize your information. Account closure does not automatically delete all information due to regulatory obligations.

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. Material changes will be communicated through:

• Email notification to your registered email address
• Prominent notice on our website and mobile applications
• In-app notifications for significant changes

The "Last Updated" date at the top of this policy indicates when it was last revised. Your continued use of our services after changes become effective constitutes acceptance of the updated Privacy Policy.