1. Information We Collect

We collect personal information including:

• Personal identifiers: Name, date of birth, address, government IDs
• Contact information: Email, phone numbers, mailing address
• Account & transaction data: Deposits, withdrawals, transfers
• Device & login data: IP address, browser type, usage analytics
• Financial profiling & credit history for risk assessment

This data allows us to deliver banking services efficiently while maintaining high levels of security.

2. How We Use Your Data

Your information is used for the following purposes:

• Providing banking products and services
• Fraud detection, monitoring, and prevention
• Compliance with regulatory and legal obligations
• Personalized marketing, promotions, and service improvements
• Risk management and credit evaluation
• Research and analytics for product development

3. Sharing & Disclosure

We do not sell your personal data. Sharing occurs only under strict conditions:

• With affiliates and service providers under contract for banking operations
• For regulatory compliance, law enforcement, or legal obligations
• In case of corporate transactions such as mergers or acquisitions

All third parties are bound by confidentiality and limited data usage agreements.

4. Your Rights

You have full control over your personal data. Rights include:

• Access and request a copy of your personal information
• Correct or update inaccurate data
• Request deletion where legally permitted
• Withdraw consent for marketing communications
• Object to automated decision-making and profiling

Requests can be submitted via our Data Protection Officer (DPO) or online portal.

5. Data Retention & Security

We retain personal data only as long as necessary to comply with laws, provide services, and maintain records. Our security measures include:

• Bank-grade encryption (AES-256) for data storage and transmission
• Multi-factor authentication for access control
• Continuous network and system monitoring
• Regular security audits and penetration testing
• Employee training and strict confidentiality agreements

6. Cookies & Online Tracking

Our websites may use cookies and similar technologies to:

• Enhance user experience and navigation
• Analyze traffic and performance
• Provide targeted, personalized content

Users may manage cookie preferences through browser settings or opt-out mechanisms provided on our site.

7. Updates to this Policy

Citicapitol Bank regularly reviews its privacy practices. Policy updates are posted online and effective immediately. Customers are encouraged to check periodically for changes.