Privacy Policy

1. Information We Collect

We collect personal and financial information necessary to provide banking services, including:

• Identity data (e.g., name, date of birth, ID documents)
• Contact data (e.g., address, phone, email)
• Financial data (e.g., account balances, transactions, credit score)
• Technical data (e.g., device ID, IP address, browser type)
• Usage data (e.g., login frequency, preferences, click activity)

2. How We Use Your Information

Quebec Trust Credit Union uses your data to:

• Verify identity and manage accounts
• Process transactions and payments
• Provide customer support
• Detect and prevent fraud or suspicious activity
• Send service updates, notifications, and marketing (only with consent)

3. Sharing Your Information

We do not sell your personal information. However, we may share it with:

• Government or regulatory authorities when required by law
• Credit bureaus for reporting and scoring
• Trusted third-party service providers who support our operations (e.g., payment gateways, IT support)
• Partner institutions during joint marketing or co-branded financial services (with your consent)

4. Data Security

We implement industry-standard security measures including:

• End-to-end encryption of sensitive data
• Multi-factor authentication (MFA)
• Regular penetration testing and vulnerability assessments
• Access controls and audit trails

5. Cookies & Tracking

Our website and mobile apps use cookies to improve user experience, analyze traffic, and personalize content. You can manage cookie preferences through your browser settings.

6. Your Rights

You have the right to:

• Request access to your personal data
• Update or correct your information
• Request data deletion (where applicable)
• Withdraw consent for marketing communications

To exercise these rights, contact our Data Protection Officer at privacy@dummybank.com.

7. Data Retention

We retain your personal data only as long as necessary to fulfill banking, legal, and regulatory obligations. When no longer needed, data is securely deleted or anonymized.

8. International Transfers

If your data is processed or stored outside your home country, we ensure it is protected with appropriate safeguards such as standard contractual clauses and secure encryption.

9. Policy Updates

We may update this Privacy Policy to reflect changes in our practices or legal requirements. You will be notified of material changes through email or platform notifications.