Debit Card Private Policy

Kingdom Bank Privacy Policy
Effective Date: March 17, 2025

At Kingdom Bank (“Bank,” “we,” “us,” or “our”), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy (“Policy”) explains how we collect, use, disclose, and safeguard your information when you apply for, order, or use a debit card (“Debit Card”) or interact with our services. By engaging with Kingdom Bank, you consent to the practices described in this Policy.

1. Information We Collect

We may collect the following types of information:

1.1 Personal Information:

  • Full name, date of birth, and Social Security Number (or equivalent identification number).
  • Contact details (e.g., address, phone number, email).
  • Government-issued identification (e.g., driver’s license, passport) for verification purposes.

1.2 Financial Information:

  • Account numbers, balances, and transaction history linked to your Debit Card.
  • Payment details for Debit Card transactions (e.g., merchant names, amounts, dates).

1.3 Usage Information:

  • Data from your interactions with our online banking portal, mobile app, or ATMs (e.g., IP address, device type, login times).
  • Details of Debit Card usage (e.g., locations, purchase types).

1.4 Other Information:

  • Information you provide when contacting customer service.
  • Responses to surveys or promotional offers.

2. How We Collect Information

We collect information:

  • Directly from you when you apply for a Debit Card, open an account, or use our services.
  • Automatically through your use of our website, mobile app, or ATMs.
  • From third parties, such as credit bureaus, fraud prevention agencies, or payment processors, to verify your identity or prevent fraud.

3. How We Use Your Information

We use your information to:

  • Process your Debit Card application and deliver the card to you.
  • Manage your account and facilitate transactions (e.g., purchases, withdrawals).
  • Verify your identity and comply with legal obligations (e.g., anti-money laundering laws).
  • Protect against fraud, unauthorized transactions, or security breaches.
  • Communicate with you about your account, updates, or promotions.
  • Improve our services, including analyzing usage trends and developing new products.
  • Respond to your inquiries or provide customer support.

4. How We Share Your Information

We may share your information with: 4.1 Service Providers: Third parties that assist with Debit Card issuance, transaction processing, IT support, or customer service, under strict confidentiality agreements. 4.2 Payment Networks: Entities like [e.g., Visa, Mastercard] to process transactions. 4.3 Legal and Regulatory Authorities: When required by law, subpoena, or to comply with regulations (e.g., tax reporting, fraud investigations). 4.4 Fraud Prevention: Agencies or partners to detect and prevent fraudulent activity. 4.5 Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity. 4.6 With Your Consent: For purposes you explicitly authorize (e.g., sharing with a financial advisor).

We do not sell your personal information to third parties for marketing purposes.

5. How We Protect Your Information

  • We use industry-standard security measures (e.g., encryption, firewalls, secure servers) to protect your data.
  • Access to your information is restricted to authorized personnel who need it to perform their duties.
  • We regularly review and update our security practices to address emerging risks.

6. Your Choices and Rights

6.1 Access and Correction: You may review and update your personal information by logging into your online banking account or contacting us at [Insert Phone Number/Email]. 6.2 Marketing Preferences: You may opt out of promotional emails by following the unsubscribe instructions or contacting us. 6.3 Data Rights: Depending on your jurisdiction, you may have rights to:

  • Request access to or a copy of your data.
  • Correct inaccurate information.
  • Delete certain data (subject to legal retention requirements).
  • Restrict or object to processing.
  • To exercise these rights, contact us at [Insert Contact Info].

7. Retention of Information

  • We retain your information for as long as necessary to provide services, comply with legal obligations (e.g., tax or banking regulations), resolve disputes, or enforce agreements.
  • Inactive account data may be retained for [e.g., 7 years] as required by law, after which it will be securely deleted or anonymized.

8. Cookies and Tracking Technologies

  • Our website and mobile app use cookies and similar technologies to enhance your experience, analyze usage, and deliver personalized content.
  • You can manage cookie preferences through your browser settings, though disabling them may limit functionality.

9. Third-Party Links

  • Our services may link to third-party websites or services (e.g., payment processors). We are not responsible for their privacy practices, and we encourage you to review their policies.

10. Children’s Privacy

  • Our services are not intended for individuals under 13 (or the applicable age in your jurisdiction). We do not knowingly collect information from children.

11. International Data Transfers

  • If you use your Debit Card outside [Insert Country, e.g., the United States], your information may be transferred to and processed in other countries. We ensure such transfers comply with applicable data protection laws.

12. Changes to This Policy

  • We may update this Policy periodically. Changes will be posted on our website [Insert Website URL] or communicated via email or online banking, with at least [e.g., 30 days] notice unless immediate changes are required by law.
  • Continued use of your Debit Card or services after the effective date constitutes acceptance of the updated Policy.