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Privacy Policy

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Effective Date: 1 January 2025  |  Last Updated: 1 January 2025

1. Introduction

My Bank ("we", "us", or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use our website, mobile applications, and banking services. By accessing our services, you consent to the practices described in this policy.

2. Information We Collect

2.1 Personal Information

We collect information you provide directly, including:

  • Full name, date of birth, and government-issued identification numbers
  • Contact details including email address, phone number, and postal address
  • Financial information such as income, employment details, and credit history
  • Account credentials and security questions
  • Know Your Customer (KYC) documentation and verification data

2.2 Automatically Collected Information

When you use our services, we automatically collect:

  • Device information (IP address, browser type, operating system)
  • Usage data (pages visited, features used, transaction patterns)
  • Location data (with your consent, for fraud prevention)
  • Cookies and similar tracking technologies (see our Cookies Policy)

3. How We Use Your Information

We use your personal information to:

  • Open, maintain, and administer your bank accounts and services
  • Process transactions, transfers, and payments securely
  • Verify your identity and comply with KYC/AML regulations
  • Detect, prevent, and investigate fraud or unauthorised activity
  • Communicate about your accounts, service updates, and security alerts
  • Improve our products, services, and customer experience
  • Comply with legal and regulatory obligations

4. Information Sharing and Disclosure

We do not sell your personal data. We may share your information with:

  • Regulatory authorities: As required by banking regulations and law
  • Service providers: Third parties who assist in operating our services (payment processors, cloud hosting, identity verification)
  • Credit bureaus: For credit reporting and assessment purposes
  • Law enforcement: When required by court order, subpoena, or legal process
  • Corporate transactions: In connection with mergers, acquisitions, or asset sales

All third-party service providers are contractually obligated to protect your data and use it only for specified purposes.

5. Data Security

We implement industry-standard security measures to protect your data, including 256-bit SSL/TLS encryption for data in transit, AES-256 encryption for data at rest, multi-factor authentication, regular security audits and penetration testing, and role-based access controls. While we strive to protect your information, no method of electronic transmission or storage is 100% secure.

6. Data Retention

We retain your personal data for as long as your account is active or as needed to provide services. After account closure, we retain records as required by banking regulations (typically 5-10 years) for audit, compliance, and legal purposes. Anonymised data may be retained indefinitely for analytical purposes.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

  • Access: Request a copy of the personal data we hold about you
  • Rectification: Request correction of inaccurate or incomplete data
  • Erasure: Request deletion of your data (subject to regulatory requirements)
  • Restriction: Request limitation of processing in certain circumstances
  • Portability: Receive your data in a structured, machine-readable format
  • Objection: Object to processing based on legitimate interests or for marketing
  • Withdraw consent: Withdraw previously given consent at any time

To exercise these rights, contact our Data Protection Officer at support@eastwesttbankglobal.com.

8. International Data Transfers

Your data may be transferred to and processed in countries outside your jurisdiction. We ensure appropriate safeguards are in place, including Standard Contractual Clauses and adequacy decisions, to protect your data during international transfers.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected data from a child, we will take steps to delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via email or prominent notice on our website. Continued use of our services after changes constitutes acceptance of the updated policy.

11. Contact Us

For questions or concerns about this Privacy Policy or our data practices: