Effective Date: 30/04/2025

Zarnk Bank, 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 safeguard your information when you visit our website or use our online banking services.

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1. Information We Collect

We may collect the following types of information:

a. Personal Information

• Full name

• Mailing address

• Email address

• Phone number

• Date of birth

• Social Security number (or other government-issued ID)

• Employment and income data

b. Financial Information

• Bank account numbers

• Transaction history

• Credit/debit card details

• Loan and mortgage data

c. Technical Information

• IP address

• Device type

• Browser type

• Operating system

• Location data

• Cookies and other tracking technologies

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2. How We Collect Information

We collect information through:

• Online forms and account applications

• Transactions and account activity

• Cookies and web analytics

• Communications with our customer service

• Third-party verification services (e.g., credit bureaus)

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3. How We Use Your Information

We use your information to:

• Provide and manage your banking services

• Process transactions and payments

• Verify your identity

• Detect and prevent fraud

• Send service-related communications

• Offer personalized services and product recommendations

• Comply with legal and regulatory obligations

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4. Information Sharing and Disclosure

We do not sell your personal information. We may share it under the following circumstances:

a. With Affiliates and Service Providers

To support our operations, such as processing transactions, hosting systems, and data analysis.

b. For Legal Compliance

To comply with applicable laws, regulations, court orders, or legal processes.

c. With Your Consent

When you authorize us to share your data with other parties (e.g., joint account holders or external service providers).

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5. Data Security

We implement a variety of security measures to maintain the safety of your personal and financial information:

• Secure Socket Layer (SSL) encryption

• Multi-factor authentication (MFA)

• Firewalls and intrusion detection systems

• Regular security assessments and employee training

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6. Your Rights and Choices

Depending on your location and applicable laws, you may have the right to:

• Access and review your personal data

• Correct inaccurate or outdated information

• Request deletion of your data (where applicable)

• Opt-out of marketing communications

You may exercise your rights by contacting us at:
contact@zarnk.com

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7. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance user experience, analyze usage, and improve our services. You can manage your cookie preferences through your browser settings.

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8. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page with an updated “Effective Date.” Your continued use of our website and services after changes indicates your acceptance of the updated policy.

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9. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact:

Zarnk Bank – Privacy Office

contact@zarnk.com