Online privacy policy
This notice describes how Acme Trust Bank collects, uses, and shares information when you visit our websites, use mobile banking, contact us by phone, or interact with us through secure messaging.
1. Information we collect
We may collect the following categories of information:
- Identifiers — name, postal address, email, phone number, online credentials
- Financial data — account numbers, transaction history, credit information you provide
- Device & usage data — IP address, browser type, pages viewed, session timestamps
- Location data — approximate location from IP or precise location if you enable it in the mobile app
- Biometric login data — fingerprint or face templates when you enable biometric sign-in on supported devices
2. How we use information
We use collected information to:
- Provide and maintain accounts, cards, and digital banking services
- Authenticate users and detect fraud or security incidents
- Comply with legal, regulatory, and audit obligations
- Improve our websites and communicate about products you may find useful
- Send service-related alerts about your accounts and security events
3. Information sharing
We do not sell your personal information to third parties for monetary consideration. We may disclose information to companies that help us operate our websites and mobile apps (such as cloud hosting, identity verification, and statement delivery), to our affiliates for routine banking and marketing consistent with your choices, and to regulators or law enforcement when required. Those service providers may use your data only to perform services for Acme Trust Bank and must protect it under written agreements.
We may share aggregated or de-identified information with analytics partners to measure site performance and improve digital services. This information cannot reasonably be used to identify you.
4. Cookies & similar technologies
Our sites use cookies and similar technologies to remember preferences, measure traffic, and support sign-in sessions. You can manage cookies through your browser settings. Some features may not work if cookies are disabled.
5. Your choices
Depending on your state of residence, you may have rights to:
- Request access to or correction of personal information we maintain
- Opt out of certain marketing communications
- Limit use of sensitive personal information where applicable law provides
- Request a portable copy of certain categories of personal information
To submit a request, call 1-800-555-0168 or write to: Acme Trust Bank Privacy Office, 100 Demo Plaza, Wilmington, DE 19801.
6. Data retention
We retain information for as long as needed to provide services, meet legal requirements, resolve disputes, and enforce agreements. Closed account records and lending files may be kept for several years after the relationship ends.
When you close your account, marketing contact details are removed from active campaign lists within 90 days unless retention is required for a regulatory matter.
7. Children's privacy
Our online services are not directed to children under 13. We do not knowingly collect personal information from children under 13.
8. Changes to this policy
We may update this policy from time to time. The "Last updated" date at the top reflects the most recent revision. Material changes will be posted on this page and, where required, notified by email or statement message.
If we revise how we collect or share information in a way that is materially different from this notice, we will provide at least 30 days' advance notice on this page before the change takes effect.