Privacy & Security

America Royal Bank is a Member FDIC institution. Protecting your personal and financial information is a core part of how we operate, from the moment you apply for an account through every transaction that follows. This policy explains what information we collect, how we use and protect it, and the choices available to you.

Overview

This policy applies to information collected through our website, mobile app, and customer support channels. It does not apply to third-party websites you may reach through links on our platform, which have their own privacy practices.

Information we collect

We collect information in the following categories:

• Identity information, such as your name, address, date of birth, Social Security number, and government-issued identification, collected when you apply for an account, as required by federal law to verify your identity
• Financial information, such as your employment status, employer name, and annual income, collected as part of the application process and used to support underwriting decisions
• Account and transaction information, such as your balances, transfers, and payment history, generated as you use our Services
• Device and usage information, such as your IP address, browser type, and how you interact with our website and app, collected automatically to help secure and improve the Services

How we protect your information

• Two-factor authentication on every sign-in
• Encryption of sensitive data at rest and in transit
• 24/7 fraud monitoring across every account
• Role-based access controls limiting employee access to customer data on a need-to-know basis
• Regular security reviews of the systems that store and process your information

How we use your information

We use your information to:

• Provide, maintain, and improve our banking services
• Verify your identity and comply with legal and regulatory requirements
• Detect, investigate, and prevent fraud and other unauthorized activity
• Communicate important account updates, security alerts, and service changes
• Personalize your experience, such as showing you offers relevant to products you already use

How we share information

We do not sell your personal information. We may share information with service providers who help us operate the Services (such as identity verification and payment processing partners), with other financial institutions as needed to complete a transfer you request, and with regulators or law enforcement when required by law. Any service provider we work with is contractually required to protect your information and use it only for the purposes we specify.

Data retention

We retain account and transaction information for as long as your account is open and for a period after closure as required by banking regulations and record-keeping obligations. Information collected for fraud prevention may be retained longer where necessary to protect the security of our Services and our customers.

Your choices

You can review and update most of your personal information at any time from your account settings. Contact support if you have questions about how your data is handled, or if you would like to request a copy of the information we hold about you, subject to applicable law.

Children's privacy

Our Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If we learn that we have collected information from a child without appropriate consent, we will take steps to delete it.

Changes to this policy

We may update this policy from time to time to reflect changes in our practices or applicable law. Where required, we will notify you of material changes before they take effect.

This is placeholder privacy and security copy and should be reviewed by legal counsel before publication.