Privacy Policy

Grand Trust Bank, N.A. ("GTB," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, and banking services (collectively, the "Services").

We collect information you provide directly to us, including:

• Identity information (full name, date of birth, government-issued ID, Social Security or National ID number)
• Contact information (email address, phone number, mailing address)
• Financial information (account balances, transaction history, income, employment details)
• Authentication data (passwords, security questions, one-time verification codes)
• Identity verification documents submitted during KYC (Know Your Customer) review

We also automatically collect device information, IP addresses, browser type, and usage data through cookies and similar tracking technologies when you access our Services.

• To open, maintain, and service your account
• To process transactions, transfers, and payments you authorize
• To verify your identity and comply with legal and regulatory obligations, including anti-money laundering (AML) and Know Your Customer (KYC) requirements
• To detect, investigate, and prevent fraud, unauthorized transactions, and other illegal activity
• To communicate with you about your account, security alerts, and service updates
• To improve our Services and develop new features

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

• Regulatory bodies and law enforcement, where required by law
• Service providers who help us operate our Services (e.g., identity verification, email delivery, cloud infrastructure), under contractual confidentiality obligations
• Other financial institutions when you initiate a transfer to or from an external account
• Successors in the event of a merger, acquisition, or sale of assets

We use industry-standard security measures, including 256-bit encryption, secure data storage, and access controls, to protect your information from unauthorized access, alteration, or disclosure. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

We retain your information for as long as your account is active and as necessary to comply with our legal and regulatory obligations, including record-keeping requirements imposed by banking regulators, which may extend beyond the closure of your account.

Depending on your jurisdiction, you may have the right to access, correct, or request deletion of your personal information, subject to our legal obligations to retain certain records. To exercise these rights, contact us at the email address below.

Our Services are not directed to individuals under 18. We do not knowingly collect personal information from minors.

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the "Last updated" date above.

If you have questions about this Privacy Policy, contact us at grandtrustsuport@outlook.com or write to us at 350 Fifth Avenue, New York, NY 10118.