At Apex Trust Bank, we take your privacy seriously. This Privacy Policy explains how we collect, use, protect, and share your personal information when you use our services.
Your Trust Matters: We are committed to protecting your personal and financial information with industry-leading security measures.
1. Information We Collect
1.1 Information You Provide
When you register and use Apex Trust Bank, we collect:
| Data Type |
Examples |
Purpose |
| Personal Information |
Name, email address, phone number |
Account creation, identity verification |
| Financial Information |
Bank account details, card information |
Processing transactions |
| Transaction Data |
Send/receive amounts, dates, recipients |
Service delivery, history tracking |
| Communication Data |
WhatsApp messages, support emails |
Customer support, service improvement |
1.2 Information We Collect Automatically
- Device Information: IP address, browser type, operating system
- Usage Data: Pages visited, features used, time spent
- Session Data: Login times, authentication tokens (encrypted)
- Location Data: Country/region selection, IP-based location
2. How We Use Your Information
We use your information to:
- Provide Services: Process transactions, manage your account, provide customer support
- Security & Fraud Prevention: Detect suspicious activities, verify identity, prevent unauthorized access
- Communications: Send transaction confirmations, security alerts, service updates via email
- Compliance: Meet legal and regulatory requirements (KYC, AML)
- Improvement: Analyze usage patterns to improve our services
- Currency Conversion: Display balances in your preferred currency using live exchange rates
3. Information Sharing
We Never Sell Your Data: Apex Trust Bank does not sell, rent, or trade your personal information to third parties for marketing purposes.
We may share your information with:
- Payment Processors: To process card payments and transfers (bank card information is encrypted)
- Service Providers: Email service providers for notifications, hosting providers for data storage
- Legal Authorities: When required by law, court order, or to prevent fraud/crime
- Business Transfers: In the event of merger, acquisition, or sale of assets
4. Data Security
We implement robust security measures to protect your information:
- Encryption: All sensitive data (passwords, card numbers) is encrypted using industry-standard algorithms
- Secure Connections: HTTPS/SSL encryption for all data transmission
- Password Hashing: Passwords are hashed using bcrypt (we cannot see your password)
- CSRF Protection: Tokens prevent cross-site request forgery attacks
- Session Management: Secure session handling with automatic timeout
- Admin Approval: All transfers require admin verification before completion
- Audit Logging: All sensitive actions are logged for security review
5. Data Retention
We retain your information for as long as:
- Your account is active
- Needed to provide services
- Required by law (typically 7 years for financial records)
- Necessary to resolve disputes or enforce agreements
After account closure, we may retain anonymized data for analytical purposes.
6. Your Privacy Rights
You have the right to:
| Right |
Description |
How to Exercise |
| Access |
Request a copy of your personal data |
Contact customer service |
| Correction |
Update incorrect or incomplete information |
Edit in account settings or contact us |
| Deletion |
Request deletion of your account and data |
Contact customer service via WhatsApp |
| Opt-Out |
Unsubscribe from marketing emails |
Click unsubscribe link in emails |
| Data Portability |
Receive your data in a portable format |
Request from customer service |
7. Cookies and Tracking
We use cookies and similar technologies to:
- Session Management: Keep you logged in securely
- Preferences: Remember your language and currency selection (stored in localStorage)
- Security: Detect and prevent fraudulent activity
You can control cookies through your browser settings, but disabling them may affect functionality.
8. Third-Party Services
Exchange Rate API
We use third-party APIs to fetch live currency exchange rates. These services may collect anonymized usage data but do not receive your personal information.
WhatsApp
For customer support and withdrawal requests, we use WhatsApp. Communications through WhatsApp are subject to WhatsApp's Privacy Policy.
Unsplash
Images on our website are sourced from Unsplash. Unsplash's privacy policy applies to image delivery.
9. International Data Transfers
Your information may be transferred to and stored on servers in different countries. We ensure adequate safeguards are in place to protect your data in compliance with applicable laws.
10. Children's Privacy
Age Restriction: Apex Trust Bank is not intended for users under 18 years old. We do not knowingly collect information from children.
If we discover that we have collected data from a child under 18, we will delete it immediately. Parents who believe their child has provided information should contact us.
11. Email Notifications
We send email notifications for:
- Transactional Emails: Add money confirmations, transfer notifications, withdrawal updates (cannot opt out)
- Security Alerts: Suspicious activity, password changes, login from new device (cannot opt out)
- Service Updates: Changes to Terms or Privacy Policy (cannot opt out)
- Marketing Emails: Optional promotional content (can opt out)
12. Changes to Privacy Policy
We may update this Privacy Policy periodically. We will notify you of significant changes via:
- Email notification to your registered address
- In-app notification upon login
- Updated "Last Updated" date at the top of this page
Your continued use of Apex Trust Bank after changes indicates acceptance of the updated policy.
13. Contact Us About Privacy
If you have questions or concerns about this Privacy Policy or how we handle your data:
- WhatsApp: +1 (805) 337-1249
- Email: privacy@mypaypalwallet.com
- Response Time: We aim to respond within 48 hours
14. Regulatory Compliance
Apex Trust Bank complies with:
- GDPR: General Data Protection Regulation (EU)
- CCPA: California Consumer Privacy Act (US)
- PCI DSS: Payment Card Industry Data Security Standard
- KYC/AML: Know Your Customer and Anti-Money Laundering regulations
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