Privacy Policy

Data We Collect

• Identity data: name, date of birth, government-issued ID.
• 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 logs.

How We Use Your Data

• To open, manage, and service your banking accounts and products.
• To comply with legal and regulatory obligations, including AML and KYC requirements.
• To detect fraud, prevent unauthorized access, and ensure the security of your funds.
• To send you service notices, account statements, and — with your consent — marketing communications.

Cookies & Tracking

We use strictly necessary cookies to operate our website and, with your consent, analytics and preference cookies to improve your experience. You may withdraw cookie consent at any time via our Cookie Settings. For full details, see our Cookie Policy.

Third-Party Sharing

• We share data with regulated payment processors, credit bureaus, and government authorities as required by law.
• We do not sell your personal information to third parties for advertising purposes.
• Third-party service providers are contractually bound to process your data only on our instructions.

Your Rights (GDPR & CCPA)

• Right to access, correct, or delete your personal data.
• Right to restrict or object to processing, and to data portability.
• California residents: right to opt out of sale of personal information (we do not sell data).
• To exercise any right, contact us at [email protected] — we respond within 30 days.

Data Retention

We retain personal and financial data for a minimum of seven (7) years following account closure to meet regulatory requirements. Technical and usage data is retained for up to 24 months, after which it is securely deleted or anonymized.

Security

coatsalbark employs industry-standard safeguards including AES-256 encryption at rest, TLS 1.3 in transit, multi-factor authentication, and continuous intrusion monitoring. No method of transmission over the internet is 100{571af1cc3ea1aef478c1da95d23ef234ef0bd037b55c84edf0af3607b6696cbc} secure; we notify affected individuals within 72 hours of a confirmed breach.

Children's Privacy

Our services are not directed to individuals under the age of 13. We do not knowingly collect personal data from children. If you believe a child has provided us with their information, please contact us immediately and we will delete it.

Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be communicated via email or a prominent notice on our website at least 14 days before they take effect. Continued use of our services after the effective date constitutes acceptance.

Contact

• Data Controller: coatsalbark Financial Services
• Email: [email protected]
• Phone: +1 (800) 265-2278
• Address: 142 Harbor View Drive, Suite 300, Monterey, CA 93940, USA