Privacy Policy | Pandum Trust Bank

1. Introduction

Pandum Trust Bank (“we,” “us,” or “our”) respects your privacy. This Privacy Policy describes the types of information we may collect from you when you visit pandumtrustbank.com, use our online or mobile banking services, open an account, or otherwise interact with us, and how we use, share, and protect that information.

2. Information We Collect

We may collect:

Identity data — name, date of birth, government ID numbers where required by law
Contact data — email address, phone number, mailing address
Account & financial data — account numbers, balances, transaction history, credit information
Technical data — IP address, browser type, device identifiers, cookies, and usage logs
Communications — messages you send via contact forms, chat, email, or phone

3. How We Use Your Information

To open, maintain, and service your accounts
To process transactions, transfers, and payments
To verify identity and prevent fraud, money laundering, and unauthorized access
To communicate about products, security alerts, and service updates
To improve our websites, apps, and customer experience
To comply with legal, regulatory, and audit requirements

4. How We Share Information

We do not sell your personal information. We may share data with:

Service providers who perform services on our behalf under confidentiality agreements
Payment networks, clearing houses, and other financial institutions as needed to process transactions
Regulators, courts, or law enforcement when required by law or to protect rights and safety
Affiliates within our corporate family for legitimate business purposes, subject to applicable law

5. Cookies & Tracking

We use cookies and similar technologies to keep you signed in, remember preferences, measure site performance, and enhance security. You can control cookies through your browser settings; disabling some cookies may limit certain features.

6. Security

We implement administrative, technical, and physical safeguards designed to protect personal information, including encryption in transit, access controls, multi-factor authentication options, and monitoring for suspicious activity. No method of transmission or storage is 100% secure; please protect your passwords and devices.

7. Your Choices & Rights

Depending on your jurisdiction, you may have rights to:

Access or receive a copy of certain personal data we hold about you
Request correction of inaccurate information
Opt out of certain marketing communications
Request deletion where permitted by law and not required for legal retention

To exercise these rights, contact us using the details below. We may need to verify your identity before responding.

8. Children’s Privacy

Our services are not directed to children under 13. We do not knowingly collect personal information from children under 13 without appropriate parental consent where required.

9. Retention

We retain personal information for as long as needed to provide services, comply with legal and regulatory obligations, resolve disputes, and enforce agreements. Retention periods vary by data type and legal requirements.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The “Last updated” date at the top will reflect the most recent revision. Continued use of our services after changes constitutes acceptance of the updated policy where permitted by law.

11. Contact Us

For privacy questions or requests:

Pandum Trust Bank
1200 Financial Plaza, Suite 500
Charlotte, NC 28202

Phone: +1 562 703 3376

Email: support@pandumtrustbank.com

This website is operated as a demonstration prototype for investor presentation purposes pending partner integration and licensing.