Privacy Policy

Last updated: July 15, 2026

This Privacy Policy explains how CITIZENTRUSTUNION ("we," "us," "our") collects, uses, shares, and protects information about you when you visit our website or use our online banking Services. By using the Services, you agree to the practices described here.

1. Information We Collect

We collect information you provide directly, information generated through your use of the Services, and information from limited automated sources:

• Account & identity information — name, date of birth, address, phone number, email, occupation, and government-issued identification documents submitted for identity verification (KYC).
• Financial information — account numbers, balances, transaction history, and details of transfers or payments you make.
• Credentials & security data — username, password, transaction PIN, and authentication activity (such as sign-in times and device/browser information).
• Support communications — messages, support tickets, and correspondence you send us.

2. How We Use Your Information

• To open, maintain, and service your account, and to process transactions you authorize.
• To verify your identity and comply with legal and regulatory obligations (such as KYC/anti-fraud checks).
• To detect, investigate, and prevent fraud, unauthorized access, and other security incidents.
• To communicate with you about your account, transactions, and support requests.
• To improve and maintain the reliability of our Services.

3. How We Share Information

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

• Service providers who help us operate the Services under confidentiality obligations.
• Regulators, law enforcement, or other parties where required by law, legal process, or to protect the rights, property, or safety of our customers or the public.
• Another party in connection with a merger, acquisition, or sale of assets, subject to continued protection of your information.

4. Cookies & Similar Technologies

We use cookies and similar technologies to keep you signed in, remember your preferences (such as light/dark theme), and understand how the Services are used. You can control cookies through your browser settings, though disabling them may affect certain features.

5. Data Security

We apply administrative, technical, and physical safeguards designed to protect your information, including encrypted connections, access controls, and fraud monitoring. Details of our broader security practices are set out in our Information Security Policy. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Data Retention

We retain account and transaction information for as long as your account is active and for a further period afterward as needed to comply with legal, regulatory, tax, and record-keeping obligations, resolve disputes, and enforce our agreements.

7. Your Rights & Choices

Depending on your location, you may have rights to access, correct, or request deletion of certain personal information, or to object to or restrict certain processing. You can review and update much of your profile information directly from your dashboard, or contact us using the details below for further requests.

8. Children's Privacy

The Services are not directed to individuals under 18, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can address it.

9. International Data Transfers

If you access the Services from outside the country where our servers are located, your information may be transferred to, stored, and processed in a different jurisdiction, which may have different data protection laws than your own.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the revised policy on this page with an updated "Last updated" date, and where changes are material, we will provide additional notice.

11. Contact Us