Data Disclosure & Privacy Notice

This disclosure explains how Citicapitol Bank collects, uses, shares, and protects your personal data in accordance with applicable data protection laws and banking regulations.

Data we collect

• Identity & account data: name, account number, date of birth, national ID, customer identifiers.
• Contact data: email address, phone number, postal address.
• Transactional data: account balances, transaction history, payment details.
• Device & usage data: IP address, device type, browser information, pages visited, cookies.
• Verification data: documents and information used for KYC and AML compliance.

How we use your data

• Provide, operate, and improve banking products and digital services.
• Verify identity and meet regulatory obligations (KYC/AML).
• Detect, prevent, and investigate fraud or security incidents.
• Communicate account information, service updates, and offers (subject to preferences).

Legal bases for processing

We process personal data based on contractual necessity, compliance with legal obligations, legitimate business interests (such as fraud prevention), and consent where required by law.

Data sharing & third parties

We may share personal data with:

• Regulators, supervisory authorities, and law enforcement as required by law.
• Payment processors and banking partners to complete transactions.
• Trusted service providers supporting hosting, analytics, and fraud detection.

Data retention

Personal data is retained only for as long as necessary to fulfill stated purposes and meet legal, regulatory, tax, or accounting requirements. In many jurisdictions, transaction records are retained for 5–7 years.

Your rights

• Request access to and a copy of your personal data.
• Request correction or deletion of inaccurate or outdated information.
• Object to or restrict certain processing activities.
• Request data portability where applicable.

Cookies & tracking technologies

We use cookies and similar technologies to enable site functionality, improve performance, and remember user preferences. Cookie controls are available via your browser and site settings.

Security measures

We apply administrative, technical, and physical safeguards including encryption, access controls, and continuous monitoring. While we take strong precautions, no system can be guaranteed to be completely secure.

Contact & complaints

• Email: privacy@citicapitol.com
• Phone: +1 (234) 567-8900
• Postal: Data Protection Officer, Citicapitol Bank, 100 Financial Way, Suite 200

If you are located in the US or UK and are dissatisfied with our response, you may lodge a complaint with your local data protection authority.