Privacy Policy

Effective Date: [Insert Date]

Cents Trust Bank (“Cents Trust,” “we,” “our,” or “us”) values your privacy and is committed to protecting your personal and financial data. This Privacy Policy explains how we collect, use, share, and safeguard your information when you visit our website or use our digital financial services.

By accessing our website or using our services, you consent to the practices described in this policy.

1. Information We Collect

a. Personal Information

• Full name, date of birth, Social Security Number (or other ID)
• Mailing address, email, and phone number
• Banking details, investment activity, cryptocurrency holdings
• Employment and income information (where applicable)

b. Technical and Usage Data

• IP address, browser type, OS, and device type
• Pages visited, session duration, click behavior
• Unique identifiers like cookies and session tokens

c. Cookies and Similar Technologies

We use cookies, web beacons, and similar tracking technologies to:

• Enable essential site functionality
• Analyze site traffic and performance
• Personalize content and ads

You can manage cookie preferences in your browser settings. For more details, see Section 9: Cookie Policy.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To create and maintain your account
• To process transactions (e.g., payments, investments, crypto transfers)
• To ensure security and fraud prevention
• To personalize your experience and recommend relevant services
• To comply with legal obligations (e.g., KYC, AML)
• To contact you with updates, newsletters, or service changes (you can opt out at any time)

3. Sharing of Information

We do not sell your personal data. However, we may share it under the following circumstances:

a. With Service Providers and Partners

Including:

• Payment processors (e.g., Stripe, PayPal)
• Financial data aggregators (e.g., Plaid)
• Analytics and security tools (e.g., Google Analytics, Cloudflare)

These third parties are contractually obligated to protect your data.

b. Legal and Regulatory Disclosures

We may disclose information when required by law (e.g., court orders or regulatory requests).

c. Business Transfers

If we undergo a merger, acquisition, or asset sale, your information may be transferred to the new entity.

4. Your Rights

a. Under the GDPR (EU/EEA Residents)

• Right to access your personal data
• Right to rectify inaccurate data
• Right to erase data ("right to be forgotten")
• Right to restrict or object to processing
• Right to data portability
• Right to lodge a complaint with a Data Protection Authority

To exercise your GDPR rights, contact us at privacy@centstrust.com.

b. Under the CCPA (California Residents)

• Right to know what personal data we collect, use, and share
• Right to delete personal information
• Right to opt-out of the sale of personal data (we do not sell data)
• Right to non-discrimination for exercising your rights

To submit a CCPA request, email ccpa@centstrust.com or call +1 713 825 5678.

5. Data Retention

We retain your information only as long as necessary to fulfill business and legal obligations, maintain audit records, and ensure compliance with financial regulations.

6. Data Security

We employ advanced security measures including encryption, firewalls, and multi-factor authentication. While we take reasonable precautions, no method of transmission is 100% secure.

7. Children’s Privacy

Our services are not intended for individuals under 18 years old. We do not knowingly collect data from children.

8. International Data Transfers

We may transfer your data to the United States where our servers and operations are located. We implement appropriate safeguards in accordance with applicable international data protection laws.

9. Cookie Policy

We use the following types of cookies:

• Essential: Core site functionality (e.g., login sessions)
• Analytics: Site performance and traffic measurement
• Functional: Preference storage and personalization
• Advertising: Targeted marketing and campaign tracking

You may disable cookies in your browser, but doing so may limit site functionality.

10. Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted here with the updated "Effective Date". We recommend reviewing this policy regularly.

11. Contact Us

If you have any questions, requests, or complaints regarding this Privacy Policy, please contact us:

Cents Trust Bank
270 Park Avenue
New York, NY
Phone: +1 713 825 5678
Email: support@centstrust.com
Privacy Requests: privacy@centstrust.com
CCPA Requests: ccpa@centstrust.com