Effective Date: 11-April-2021
1. Introduction
Welcome to MultiCapital Bank. We are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website, use our online banking services, or interact with us in any other way.
2. Information We Collect
We may collect the following types of information:
- Personal Information: Name, address, phone number, email address, SSN, date of birth, and other identifying info.
- Financial Information: Account numbers, credit card information, transaction history, and other financial data.
- Technical Information: IP address, browser type, operating system, device information, and browsing behavior.
- Other Information Information provided through customer service interactions, surveys, and feedback forms.
3. How We Use Your Information
We use the information we collect for the following purposes:
- Account Management: To open and manage your accounts, process transactions, and provide customer support.
- Service Improvement: To enhance our website, online banking services, and overall customer experience.
- Security: To protect against fraud, unauthorized transactions, and other security risks.
- Communication: To send you important notices, updates, and promotional materials.
- Compliance: To comply with legal and regulatory requirements.
4. Information Sharing and Disclosure
We do not sell your personal information. We may share your information with:
- Service Providers: Third-party vendors who assist us in providing services, such as payment processing.
- Legal Authorities: When required by law or to protect our rights, property, or safety.
- Business Partners: With your consent, for joint marketing or other collaborative efforts.
5. Data Security
We implement robust security measures to protect your information, including encryption, firewalls, and secure socket layer (SSL) technology. Regular audits and monitoring are conducted to ensure the effectiveness of our security practices.
6. Your Rights and Choices
You have the right to:
- Access and Update: Review and update your personal information through your online account or by contacting us.
- Opt-Out: Opt-out of receiving promotional communications by following the unsubscribe instructions in our emails.
- Data Portability: Request a copy of your data in a structured, commonly used format.
7. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your browsing experience, analyze website traffic, and personalize content. You can manage your cookie preferences through your browser settings.
8. International Transfers
If we transfer your information outside your country of residence, we will ensure adequate protection is in place to safeguard your data in accordance with applicable laws.
9. Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on our website with the updated effective date. We encourage you to review this policy periodically.
11. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
- MultiCapital Bank
- 501 West Ave., Suite 3803, Austin, Texas, 78701
- multicapitalbank@gmail.com
- multicapital.online
12. Governing Law
This Privacy Policy is governed by the laws of Texas Bussiness Court. Any disputes arising from this policy will be resolved in the courts in Texas
Acknowledgment
By using our website and services, you acknowledge that you have read, understood, and agree to this Privacy Policy. Thank you for choosing MultiCapital Bank.