Privacy & Policy

Effective Date: [10/29/2024]

At Genius Bank, your privacy is our top priority. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our services. You agree to the practices described in this policy by using our website and services.

1. Information We Collect

We may collect personal and non-personal information, including but not limited to:

• Personal Identification Information: Name, address, phone number, email, date of birth, and government-issued identification.
• Financial Information: Bank account details, credit history, and transaction records.
• Login and Authentication Data: Username, passwords, and security questions.
• Device and Usage Information: IP address, browser type, and cookies for better service and security.

2. How We Use Your Information

We use your information to:

• Provide and improve banking services.
• Process transactions, loans, and other financial activities.
• Ensure compliance with legal obligations.
• Enhance security and prevent fraud.
• Send important updates, marketing offers, and service notifications (with your consent).

3. Information Sharing and Disclosure

We do not sell your personal information to third parties. However, we may share your information with:

• Service Providers: For processing transactions and other essential services.
• Regulatory Authorities: To comply with legal obligations and regulatory requirements.
• Fraud Prevention Agencies: To protect against fraudulent activities.

We ensure that all third parties adhere to strict privacy and security standards.

4. Your Rights and Choices

You have the right to:

• Access, update, or delete your personal information.
• Opt-out of receiving marketing communications at any time.
• Request limitations on how your data is processed.
  To exercise these rights, please contact us at privacy@geniusbank.com or call +1 (800) 123-4567.

5. Data Security

We take the security of your data seriously and use industry-standard measures, including encryption and firewalls, to protect it. However, no system is entirely foolproof, and we encourage customers to safeguard their online credentials.

6. Cookies and Tracking Technologies

Our website uses cookies to enhance user experience and track website performance. You can manage your cookie preferences through your browser settings.

7. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices of these websites and encourage you to review their privacy policies.

8. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors.

9. Changes to This Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page with the updated effective date. We encourage you to review this policy regularly.

10. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us:

• Email: privacy@geniusbank.com
• Phone: +1 (800) 123-4567
• Address: 123 Finance St., Suite 100, Cityville, CA 90210

Thank you for trusting Genius Bank. Your privacy matters to us.