Privacy Policy

1. Introduction

This Privacy Policy explains how Spacemont Bank ("Spacemont Bank", "we", "us", or "our") collects, uses, discloses, and safeguards your information when you use our digital banking and treasury services, websites, and applications (collectively, the "Services").

By using the Services, you agree to the collection and use of information in accordance with this Policy. If you do not agree, please do not use the Services.

2. Information We Collect

Account & Identity Data: name, email address, phone number, date of birth, government-issued identification, and other details required to verify your identity and comply with Know Your Customer (KYC) and anti-money-laundering (AML) obligations.

Financial Data: account balances, transaction history, beneficiary details, deposits, withdrawals, and crypto and stock activity you conduct through the Services.

Technical Data: IP address, device identifiers, browser type, log data, and usage information collected automatically when you interact with the Services.

3. How We Use Your Information

To provide, operate, and maintain the Services, including processing transactions and settlements.

To verify your identity, prevent fraud, and comply with legal and regulatory requirements.

To communicate with you about your account, security notices, and service updates.

To improve, personalize, and develop new features across our platform.

4. How We Share Information

We do not sell your personal information. We may share it with regulated payment processors, identity-verification providers, and financial institutions strictly to deliver the Services.

We may disclose information when required by law, regulation, legal process, or governmental request, or to protect the rights, property, and safety of Spacemont Bank and its users.

5. Data Security

We employ industry-standard technical and organizational safeguards, including encryption in transit and at rest, access controls, and continuous monitoring, to protect your information.

No method of transmission or storage is completely secure. While we strive to protect your data, we cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as your account is active and as required to meet our legal, regulatory, tax, accounting, and reporting obligations.

7. Your Rights

Depending on your jurisdiction, you may have the right to access, correct, delete, or restrict the processing of your personal information, and to request a copy of the data we hold about you.

To exercise these rights, contact our support team using the details below.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated through the Services or by email. Your continued use of the Services after an update constitutes acceptance of the revised Policy.

9. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us at support@spacemontbank.com.