Pledge Bank is committed to protecting your privacy and the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal data when you access or use our services, including our website, mobile app, or other banking products (collectively, the "Services"). By accessing or using our Services, you agree to the collection and use of information in accordance with this Privacy Policy.

We collect the following types of information when you interact with our Services: Personal Information: This includes your name, address, phone number, email address, date of birth, social security number, account number, and other identifiers necessary to provide banking services.Financial Information: This includes account balances, transaction history, loan information, and other financial details. Identification Information: To comply with regulations, we may collect your government-issued ID, proof of address, and other verification documents. Device and Usage Information: This includes IP address, browser type, operating system, device information, and data about your use of our Services (such as log data and usage patterns). Cookies and Tracking Technologies:We use cookies, web beacons, and similar technologies to enhance your experience and track usage of our website or app.

We use the information we collect for various purposes, including but not limited to: Providing, maintaining, and improving our Services. Processing transactions and managing your accounts. Communicating with you regarding your account and other related services. Enhancing security, preventing fraud, and complying with legal obligations. Analyzing usage patterns to improve our website, mobile app, and customer experience. Marketing and promotional purposes, if you have opted in to receive marketing communications.

We may share your information with the following parties in certain circumstances: Service Providers: We may share your information with third-party vendors or contractors who assist us in providing our Services (e.g., payment processors, IT support, marketing services). These parties are obligated to protect your data and use it only for the purposes of providing services to us. Legal Compliance: We may disclose your information if required by law, regulation, legal process, or government request (e.g., for regulatory compliance, anti-money laundering, or fraud prevention). Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

We implement a variety of security measures to protect your personal and financial information, including encryption, firewalls, secure servers, and multi-factor authentication. However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, to comply with legal obligations, resolve disputes, and enforce our agreements. The retention period may vary depending on the type of information and our legal or regulatory obligations.

Depending on your jurisdiction, you may have the following rights regarding your personal information:Access: You can request access to the personal data we hold about you. Correction: You can request corrections to any inaccurate or incomplete information. Deletion: You can request that we delete your personal data, subject to certain legal or contractual exceptions. Opt-Out: You can opt out of receiving marketing communications from us at any time. Data Portability: You can request a copy of your personal data in a structured, commonly used format. To exercise these rights, please contact us using the information provided below.

Our Services may contain links to third-party websites or services that are not operated by us. We are not responsible for the privacy practices or the content of such third-party sites. We encourage you to review their privacy policies before providing any personal information.

Our Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information as soon as possible.

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the new policy on our website with an updated effective date. We encourage you to review this policy periodically to stay informed about how we are protecting your information.

If you have any questions or concerns about this Privacy Policy, or if you wish to exercise your rights regarding your personal information, please contact us.