Privacy Policy

1. Introduction

This Privacy Policy explains how Beltrust Bank ("Beltrust," "we," "us") collects, uses, shares, and protects your personal information when you use our website, mobile applications, and banking services (the "Services").

2. Information We Collect

We collect the following categories of information:

• Identity information — name, date of birth, government-issued ID, selfie verification, and identity verification documents.
• Contact information — email address, phone number, and mailing address.
• Financial information — account balances, transaction history, card details, loan application data, and cryptocurrency order history.
• Device and usage information — IP address, browser type, device identifiers, and activity logs collected automatically when you use the Services.

3. How We Use Your Information

We use the information we collect to:

• Open, maintain, and service your account
• Process transactions, transfers, card requests, loans, and payments
• Verify your identity and comply with legal and regulatory obligations, including anti-money laundering (AML) and know-your-customer (KYC) requirements
• Detect, investigate, and prevent fraud and unauthorized activity
• Communicate with you about your account, including security alerts and service updates
• Improve and personalize the Services

4. How We Share Your Information

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

• Service providers who perform functions on our behalf, such as identity verification, cloud hosting, and email delivery, under contractual confidentiality obligations
• Regulators, law enforcement, or other parties when required by law, subpoena, or legal process
• Other financial institutions when necessary to complete a transaction you've initiated, such as an external bank transfer
• Successors in the event of a merger, acquisition, or sale of assets, subject to the same privacy commitments described here

5. Data Security

We use industry-standard security measures, including encryption in transit and at rest, access controls, and continuous monitoring, to protect your information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as your account is active and for a period afterward as required to comply with legal, tax, and regulatory recordkeeping obligations typical of financial institutions.

7. Your Rights

Depending on your jurisdiction, you may have the right to access, correct, or request deletion of your personal information, subject to our legal and regulatory obligations to retain certain financial records. To exercise these rights, contact us at beltrusts@outlook.com.

8. Cookies & Tracking

We use cookies and similar technologies to keep you signed in, remember your preferences, and understand how the Services are used. You can control cookie settings through your browser, though disabling certain cookies may affect functionality.

9. Children's Privacy

The Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated to you via email or in-app notice prior to taking effect.

11. Contact Us

Questions about this Privacy Policy can be directed to beltrusts@outlook.com.