Privacy Policy 

TerraCrest Union is committed to protecting the privacy, confidentiality, and security of all users who access our digital banking platform, including our website, mobile application, and related financial services. This Privacy Policy explains how we collect, use, store, and protect your personal and financial information, as well as the rights you have regarding your data.

By using TerraCrest Union services, you agree to the collection and use of information in accordance with this Privacy Policy and applicable laws and regulations.

We collect personal information that you provide directly during registration, account setup, verification, and ongoing use of our services. This may include your full name, date of birth, residential address, email address, phone number, and government-issued identification documents. This information is necessary for identity verification, account creation, fraud prevention, and compliance with financial regulations.

We also collect financial and transactional data generated through your use of our services. This includes account balances, deposits, withdrawals, transfers, payment history, card activity, loan records, savings information, and investment activity. This data is essential for processing transactions accurately, maintaining account records, and providing reliable banking services.

In addition, we collect technical and usage data automatically when you interact with our platform. This may include your IP address, device type, browser information, operating system, login timestamps, session activity, and interaction behavior within the platform. This information helps us detect suspicious activity, enhance security, improve system performance, and ensure a smooth user experience.

All collected information is used strictly for legitimate business purposes. These include account creation and management, identity verification, transaction processing, fraud detection and prevention, regulatory compliance, customer support, service improvement, and system optimization. We may also use data to communicate important updates, security alerts, and service notifications.

TerraCrest Union applies advanced security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. These measures include encryption technologies, secure server infrastructure, multi-factor authentication, biometric verification systems, firewall protection, fraud monitoring tools, and restricted internal access controls. Only authorized personnel with legitimate business needs can access sensitive data, and all such access is strictly monitored.

We do not sell, rent, or trade your personal information. Your data may only be shared with trusted third-party service providers that assist in operating our platform, such as payment processors, identity verification services, cloud infrastructure providers, and fraud prevention systems. These partners are contractually obligated to protect your data and use it only for authorized purposes.

We may also disclose information when required by law, regulation, legal process, or governmental request. This includes compliance with financial regulations, anti-money laundering laws, fraud investigations, and security-related obligations. We may also disclose data to protect the rights, safety, and security of TerraCrest Union, its users, or the public.

Cookies and similar technologies are used to enhance platform functionality, maintain secure sessions, analyze usage patterns, and improve user experience. These technologies allow us to recognize returning users, optimize performance, and strengthen security monitoring. You may disable cookies through your browser settings, but this may affect certain platform features.

We retain personal and financial data only for as long as necessary to fulfill the purposes outlined in this policy, including legal, regulatory, operational, and security requirements. In some cases, data may be retained after account closure where required by law or for fraud prevention, dispute resolution, or compliance purposes.

Depending on applicable laws, you may have rights regarding your personal data. These rights may include the ability to access your information, request corrections, request deletion of certain data, restrict or object to processing, or request a copy of your data. All requests are subject to identity verification and legal limitations where applicable.

Your information may be processed or stored in different countries where TerraCrest Union or its service providers operate. We take appropriate measures to ensure that your data remains protected regardless of location and is handled in accordance with applicable data protection standards.

We may update this Privacy Policy from time to time to reflect changes in legal requirements, security practices, or service improvements. Any updates will be posted on this page, and continued use of TerraCrest Union services after changes are made constitutes acceptance of the revised Privacy Policy.