Privacy Policy for Inercam Banco**
**Last Updated:** 09/09/2024
At **Inercam Banco**, we are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and protect your data when you use our digital banking platform, services, website, and mobile applications (collectively, the **“Services”**).
By accessing or using our Services, you agree to the terms of this Privacy Policy.
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# **1. Information We Collect**
We collect information to provide secure, efficient, and personalized banking services. This includes:
### **1.1 Personal Information**
* Full name
* Date of birth
* Address and contact information
* Email address
* Phone number
* Government-issued identification (e.g., passport, ID card)
* Profile information provided during registration
### **1.2 Financial Information**
* Bank account details
* Transaction history
* Deposit and withdrawal records
* Loan applications and repayment information
* DPS and FDR plan details
* Virtual card information
* Multi-currency wallet data
### **1.3 Technical & Usage Data**
* IP address
* Browser type and version
* Device information
* Login logs and access timestamps
* Cookies and tracking technologies
* Interactions with our platform
### **1.4 Additional Information**
* Communications with customer support
* Feedback or submitted inquiries
* Any documents uploaded voluntarily
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# **2. How We Use Your Information**
We use your data to ensure secure banking operations and improve your user experience. Usage includes:
* To create and manage your account
* To process deposits, withdrawals, and transactions
* To manage DPS, FDR, loans, and virtual cards
* To maintain transaction records and statements
* To protect against fraud, unauthorized access, and illegal activities
* To provide customer service and support
* To improve system performance and platform functionality
* To comply with legal, regulatory, and internal policy requirements
* To send security alerts, notifications, and service updates
We **never** sell your personal or financial information.
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# **3. How We Share Your Information**
We may share information only when necessary and under strict confidentiality:
### **3.1 With Service Providers**
Trusted third parties who help us with:
* Payment processing
* Identity verification
* Fraud detection
* Data storage
* Technical support
These providers must follow strict privacy standards.
### **3.2 Legal & Regulatory Compliance**
We may disclose information if required:
* By law or court order
* By government or regulatory authorities
* To enforce our Terms of Service
* To protect users’ safety or the security of the platform
### **3.3 Business Transfers**
If Inercam Banco undergoes:
* Merger
* Acquisition
* Sale of assets
User data may be transferred to the new organization under the same privacy protections.
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# **4. Data Security**
We use industry-leading security measures to protect your information, including:
* Advanced encryption technologies
* Secure authentication methods
* Protected servers and firewalls
* Continuous monitoring for suspicious activity
* Regular audits and compliance checks
Despite our best efforts, no online system is 100% secure. Users are advised to keep passwords confidential.
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# **5. Cookies & Tracking**
We use cookies to enhance your experience, including:
* Saving login sessions
* Personalizing interface preferences
* Analyzing platform performance
* Improving service delivery
You may disable cookies in your browser settings, but some features may not work properly.
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# **6. Data Retention**
We retain your information for as long as necessary to:
* Provide ongoing banking services
* Meet legal or regulatory requirements
* Resolve disputes
* Maintain financial and transaction records
When no longer needed, your data is securely deleted or anonymized.
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# **7. Your Rights**
Depending on your jurisdiction, you may have the right to:
* Access your personal information
* Update or correct inaccuracies
* Request deletion of your data
* Object to or restrict certain processing activities
* Withdraw consent (where applicable)
* Request a copy of your stored data
To exercise any of these rights, contact us using the information provided below.
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# **8. Third-Party Links**
Our platform may contain links to external sites.
We are **not** responsible for the privacy practices of other websites.
We encourage users to review their policies when visiting them.
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# **9. Children’s Privacy**
Our Services are **not intended for individuals under 18**.
We do not knowingly collect personal data from minors.
If such data is discovered, it will be deleted immediately.
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# **10. International Data Transfers**
Your information may be stored or processed in servers outside your country.
We ensure appropriate safeguards are applied according to data protection laws.
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# **11. Changes to This Policy**
We may update this Privacy Policy from time to time.
Changes become effective when posted on this page with an updated date.
Continued use of our Services indicates acceptance of the revised policy.
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# **12. Contact Us**
If you have questions, concerns, or requests regarding this Privacy Policy, please contact:
**Inercam Banco – Privacy Department**
Email: support@inercam.net
Website: http://inercam.net
