At OffBank, we value your privacy and are committed to protecting your personal information. This Privacy Policy explains what information we collect, how we use it, and the choices you have regarding your data when you use our website, mobile application, and related services.

Information We Collect

We may collect the following categories of information:

Personal Information

• Full name

• Email address

• Phone number

• Date of birth

• Residential address

Financial Information

• Account balances

• Transaction history

• Payment information

• Card information

• Savings and investment activity

Technical Information

• IP address

• Browser type

• Device information

• Operating system

• Cookies

• Usage analytics

How We Use Your Information

We use your information to:

• Provide banking services

• Verify your identity

• Process payments and transfers

• Protect against fraud

• Improve our products and services

• Personalise your experience

• Respond to customer support requests

• Comply with legal obligations

AI Features

OffBank uses artificial intelligence to provide personalised financial insights, budgeting recommendations, spending analysis, and savings suggestions.

AI-generated recommendations are designed to assist you and should not be considered financial or investment advice.

Sharing Your Information

We do not sell your personal information.

We may share information with:

• Payment providers

• Banking partners

• Identity verification providers

• Fraud prevention services

• Cloud infrastructure providers

• Regulatory authorities where required by law

All third parties are required to protect your information in accordance with applicable privacy laws.

Data Security

Protecting your information is one of our highest priorities.

We use industry-standard security measures including:

• Bank-grade encryption

• Secure data storage

• Multi-factor authentication

• Fraud monitoring

• Access controls

• Continuous security monitoring

While we take reasonable precautions to protect your information, no online service can guarantee absolute security.

Cookies

Our website uses cookies to:

• Remember your preferences

• Improve website performance

• Understand website usage

• Enhance security

• Provide analytics

You can manage cookie preferences through your browser settings.

Your Rights

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

• Access your personal information

• Correct inaccurate information

• Delete your information

• Restrict processing

• Object to processing

• Request a copy of your data

• Withdraw consent where applicable

To exercise these rights, please contact us using the information below.

Data Retention

We retain your information only for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements.

Children's Privacy

OffBank services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

International Transfers

Your information may be processed in countries outside your country of residence. Where applicable, we use appropriate safeguards to protect your personal information during international transfers.

Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be published on this page with an updated revision date.

Contact Us

If you have any questions about this Privacy Policy or how your information is handled, please contact us:

OffBank

Email: privacy@offbank.com

Website: www.offbank.com

Disclaimer

OffBank is a fictional banking concept created for demonstration and portfolio purposes. This Privacy Policy is provided as a sample only and should not be relied upon as legal advice or used for a live financial service without review by a qualified legal professional.