Privacy Policy

1. Information We Collect

KAVORYA collects the following types of personal information:

• Account Information: Name, email address, phone number, date of birth
• Identification Information: Government-issued ID, Social Security Number (for account verification)
• Financial Information: Bank account details, transaction history, credit information
• Device Information: IP address, browser type, device identifiers
• Usage Information: Login times, pages visited, features used

2. How We Use Your Information

We use your personal information to:

• Provide and maintain your banking services
• Process transactions and prevent fraud
• Verify your identity and comply with regulatory requirements
• Send you important account notifications and security alerts
• Improve our services and develop new features
• Comply with legal obligations

3. Information Sharing

We do not sell your personal information. We may share your information only in the following circumstances:

• With your consent: When you explicitly authorize us to share your information
• Service providers: With trusted third parties who perform services on our behalf
• Legal requirements: When required by law, court order, or regulatory authorities
• Business transfers: In connection with a merger, acquisition, or sale of assets

4. Data Security

We implement industry-standard security measures to protect your information:

• Encryption: All data is encrypted in transit and at rest using AES-256 encryption
• Access controls: Strict access limits and authentication requirements
• Monitoring: 24/7 security monitoring and intrusion detection
• Regular audits: Independent security assessments and penetration testing

5. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Account information is retained for 7 years after account closure for regulatory purposes.

6. Your Privacy Rights

You have the right to:

• Access: Request a copy of your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Opt-out: Opt out of marketing communications
• Portability: Request transfer of your data to another service

7. Cookies and Tracking

We use cookies and similar technologies to:

• Remember your login preferences
• Analyze website traffic and improve user experience
• Provide personalized content and recommendations
• Ensure security and prevent fraud

8. Third-Party Services

Our website may include links to third-party services. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by email or through our website. Your continued use of our services after such changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact our Privacy Officer at:

• Email: privacy@crescent.com
• Phone: 1-800-CRESCENT
• Address: KAVORYA Bank, 123 Financial District, New York, NY 10004