Privacy Policy

Last updated: June 7, 2026

1. Who We Are

Union Monique Bank ("the Bank", "we", "us") is committed to protecting your personal data. This Privacy Policy explains how we collect, use, store, and share information when you use our banking services, website, or mobile application.

2. Information We Collect

We may collect the following types of personal information:

• Identity data: Full name, date of birth, government-issued ID number
• Contact data: Email address, phone number, mailing address
• Financial data: Account numbers, transaction history, credit information
• Technical data: IP address, browser type, device identifiers, and usage data collected when you access our website or app

3. How We Use Your Information

We use your personal data to:

• Open and manage your account
• Process transactions and verify your identity
• Comply with legal and regulatory obligations (including anti-money laundering laws)
• Detect and prevent fraud
• Communicate with you about your account and our services
• Improve our products and services

4. How We Use Cookies

Our website uses cookies to improve your experience and help us understand how our site is used. We use the following types of cookies:

• Essential cookies: Required for the website to function. These cannot be disabled.
• Analytics cookies: Help us understand visitor behavior so we can improve our site.
• Preference cookies: Remember your settings and personalization choices.

5. Data Sharing

We do not sell your personal data. We may share your information with trusted third parties only where necessary to provide our services (such as payment processors or identity verification providers), or where required by law. All third parties are contractually obligated to handle your data securely.

6. Data Security

We use industry-standard security measures including encryption, multi-factor authentication, and regular security audits to protect your personal data.

7. Data Retention

We retain your personal data for as long as your account is active and for a period thereafter as required by law. When data is no longer needed, it is securely deleted or anonymized.

8. Your Rights

Depending on your location, you may have the right to access, correct, or request deletion of your personal data, and to object to certain processing activities. To exercise any of these rights, contact us at info@unionmonique.com.

9. Minors

Our services are not directed at individuals under the age of 18. We do not knowingly collect personal data from minors.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website. Your continued use of our services after any changes constitutes your acceptance of the updated policy.