Privacy Policy

Introduction

Citi Exchequers Bank ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our mobile applications, or engage with our services.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

Last Updated: [Effective Date]

Information We Collect

Personal Information

We may collect personally identifiable information that can be used to contact or identify you. This may include:

• Name, address, phone number, email address
• Date of birth, Social Security number or other government-issued identification
• Employment information and income details
• Financial account information, transaction history
• Credit card and debit card information
• Biometric data for security purposes
• Information provided during customer service interactions

Non-Personal Information

We may also collect non-personal information that does not directly identify you:

• Browser type and version, device information
• Operating system, IP address
• Pages visited, time spent on pages, website navigation paths
• Geolocation data (with your consent)
• Aggregate statistical information

Information from Third Parties

We may receive information about you from third parties, including:

• Credit bureaus and reporting agencies
• Financial institutions and payment processors
• Marketing partners and service providers
• Social media platforms (if you interact with our social media content)

How We Use Your Information

We use your information for various purposes, including:

• Providing, maintaining, and improving our banking services
• Processing transactions and managing your accounts
• Verifying your identity and preventing fraud
• Complying with legal and regulatory requirements (KYC/AML)
• Communicating with you about your accounts and services
• Personalizing your experience and offering relevant products
• Conducting market research and improving our services
• Marketing and promotional activities (with your consent)
• Protecting our rights and property

How We Share Your Information

We may share your information in the following circumstances:

• Service Providers: With trusted third-party vendors who assist us in providing services
• Legal Requirements: When required by law, regulation, or legal process
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Protection of Rights: To protect our rights, privacy, safety, or property
• Affiliated Entities: With our affiliates for business purposes
• With Your Consent: When you have explicitly consented to sharing

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience and analyze website usage:

• Essential Cookies: Necessary for website functionality and security
• Performance Cookies: Help us understand how visitors interact with our website
• Functional Cookies: Enable enhanced functionality and personalization
• Targeting Cookies: Used to deliver relevant advertisements

You can control cookie preferences through your browser settings. However, disabling certain cookies may affect your ability to use some features of our website.

Data Security

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

• Encryption of data in transit and at rest
• Firewalls and intrusion detection systems
• Regular security assessments and penetration testing
• Employee training on data protection
• Access controls and authentication mechanisms
• Incident response procedures

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure.

Your Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Objection: Object to processing of your personal information
• Restriction: Request restriction of processing
• Data Portability: Receive your data in a structured format
• Withdrawal of Consent: Withdraw consent for specific processing activities

To exercise these rights, please contact our Privacy Officer at the information provided below.

International Data Transfers

Your information may be transferred to and maintained on computers located outside your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those in your jurisdiction.

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy.

Children's Privacy

Our services are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, please contact our Privacy Officer:

By Mail:
Citi Exchequers Bank
Privacy Officer
150 Wall Street
New York, NY 10005
United States

By Phone:
+1 (212) 555 0100

By Email:
privacy@citiexchequers.com