1. Introduction
EastWest Saving Bank ("we", "us", "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains what personal data we collect, how we use it, who we may share it with, and your rights in relation to that data.
By using our website, registering for an account, or using any of our banking services, you confirm that you have read and understood this Privacy Policy. If you do not agree with any part of this policy, please do not use our services.
2. Information We Collect
2.1 Information You Provide
- Registration data: full name, email address, date of birth, citizenship, residential and mailing address, phone number, and preferred contact method.
- Identity documents: type of government-issued identification, issuing country, and expiration date. Document images may be requested for identity verification purposes.
- Employment and financial information: employment status, occupation, employer name, source of funds, expected monthly deposits, and intended account activity. This information is required for regulatory compliance purposes.
- Account preferences: account types requested, features selected, and communication preferences.
- Support communications: content of messages, tickets, and correspondence submitted to our support team.
2.2 Information Collected Automatically
- Usage data: pages visited, features used, session duration, and actions taken within the dashboard.
- Device and browser information: browser type, operating system, IP address, and device identifiers.
- Authentication data: login timestamps, session tokens, and security-related events such as failed login attempts.
3. How We Use Your Information
We use your personal information for the following purposes:
- To process and evaluate your account application.
- To verify your identity in accordance with applicable know-your-customer (KYC) and anti-money laundering (AML) requirements.
- To operate, maintain, and improve your banking account and associated services.
- To process transactions, transfers, and loan applications.
- To communicate with you regarding your account status, transactions, and service updates.
- To send administrative and security notifications relevant to your account.
- To investigate and resolve disputes, complaints, and support requests.
- To comply with legal and regulatory obligations.
- To protect against fraud, unauthorised access, and other unlawful activity.
4. Legal Basis for Processing
We process your personal information on the following legal bases:
- Performance of a contract: processing necessary to provide you with banking services you have requested.
- Legal obligation: processing required to comply with applicable financial regulations, anti-money laundering laws, and regulatory reporting requirements.
- Legitimate interests: processing necessary to operate our business securely, prevent fraud, and maintain the integrity of our systems, where this does not override your rights and interests.
- Consent: where we have obtained your explicit consent for specific processing activities, such as optional marketing communications. You may withdraw consent at any time.
5. Sharing Your Information
We do not sell, rent, or trade your personal information to third parties for marketing purposes.
We may share your information with:
- Service providers: third-party companies that assist us in delivering our services, including database hosting, email delivery, and identity verification. These providers are contractually obligated to protect your data and use it only as directed by us.
- Regulatory and law enforcement authorities: where required by applicable law, court order, or regulatory mandate.
- Fraud prevention agencies: to detect and prevent fraudulent activity.
- Business successors: in the event of a merger, acquisition, or transfer of business assets, your information may be transferred as part of that transaction.
6. Data Retention
We retain your personal information for as long as your account is active or as otherwise required by applicable law and regulation. When information is no longer required, we take reasonable steps to securely delete or anonymise it.
7. Data Security
We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, disclosure, alteration, or destruction. These measures include:
- 256-bit SSL/TLS encryption for all data transmitted between your device and our systems.
- Cryptographic hashing of authentication credentials so passwords are never stored in recoverable form.
- Access controls restricting account data to authorised personnel with a legitimate need.
- Secure session management with automatic expiry.
- Audit logging of administrative access and changes to account data.
No system is completely impenetrable. If you believe your account has been compromised, please contact our support team immediately.
8. Your Rights
Subject to applicable data protection law, you may have the following rights:
- Access: the right to request a copy of the personal information we hold about you.
- Correction: the right to request correction of inaccurate or incomplete information.
- Erasure: the right to request deletion of your personal information, subject to our legal retention obligations.
- Restriction: the right to request that we limit the processing of your information in certain circumstances.
- Portability: the right to receive your personal information in a structured, commonly used format.
- Objection: the right to object to processing based on legitimate interests.
To exercise any of these rights, please contact us using the details in Section 10.
9. Cookies
We use strictly necessary cookies to maintain your authenticated session and ensure the security of your banking dashboard. These cookies are required for the service to function and cannot be disabled while you are logged in.
10. Contact Us
If you have any questions, concerns, or requests relating to this Privacy Policy or the handling of your personal information, please contact us:
- Via the Contact page on this website.
- Via the secure support ticket system in your dashboard.
- By email: Eastwestsavings0@gmail.com
11. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make material changes, we will notify you by email or by posting a notice in your dashboard. The date at the top of this page reflects the most recent revision.