Privacy Policy

1. Introduction

At Trust Paycon ("we," "our," or "us"), we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, mobile application, or use our banking services.

We encourage you to read this Privacy Policy carefully to understand our practices regarding your personal data. By accessing or using our services, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

We collect several types of information from and about users of our services, including:

Personal Information

• Contact information (such as name, postal address, email address, and telephone number)
• Government-issued identification (such as Social Security number, passport, or driver's license)
• Financial information (such as bank account details, credit card information, and transaction history)
• Employment information (such as employer name, occupation, and income)
• Authentication information (such as username, password, and security questions)

Usage and Technical Data

• Device information (such as IP address, device type, operating system, and browser type)
• Usage data (such as pages visited, features used, and time spent on the platform)
• Location data (such as GPS coordinates when using our mobile app with location services enabled)
• Cookies and similar tracking technologies

3. Why We Collect Information

We collect and process your information based on the following legal bases:

• Contractual Necessity: To fulfill our obligations under our terms of service or other agreements with you.
• Legal Obligation: To comply with applicable laws, regulations, and legal requirements.
• Legitimate Interests: To pursue our legitimate business interests, such as improving our services, preventing fraud, and ensuring the security of our platform.
• Consent: Where you have given us consent to process your personal data for specific purposes.

4. How We Use Information

We use the information we collect for various purposes, including:

• Providing and maintaining our services
• Processing transactions and sending related notifications
• Verifying your identity and preventing fraud
• Responding to your inquiries and customer service requests
• Personalizing your experience and delivering tailored content
• Sending administrative information, such as updates to our terms and policies
• With your consent, sending marketing communications about our products and services
• Analyzing usage patterns to improve our services
• Ensuring the security and integrity of our platform
• Complying with legal obligations and regulatory requirements

5. Data Retention & Deletion

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The criteria used to determine our retention periods include:

• The length of time we have an ongoing relationship with you
• Legal obligations to which we are subject
• Statutes of limitations, or defense of legal claims
• Operational necessities and business requirements

When your personal information is no longer required, we will securely delete or anonymize it in accordance with our data retention procedures.

6. Your Rights

Depending on your location, you may have certain rights regarding your personal information. These may include:

• Access: The right to request copies of your personal information
• Rectification: The right to request that we correct inaccurate information about you
• Erasure: The right to request that we delete your personal information in certain circumstances
• Restriction: The right to request that we restrict the processing of your information in certain circumstances
• Data Portability: The right to receive your personal information in a structured, commonly used format
• Objection: The right to object to our processing of your personal information
• Withdraw Consent: The right to withdraw consent where we rely on consent to process your personal information

To exercise any of these rights, please contact us using the details provided in the "Contact Us" section below. We will respond to your request within the timeframe required by applicable law.

7. Third-Party Disclosures

We may share your personal information with the following categories of third parties:

• Service Providers: Companies that provide services to us, such as payment processing, data analysis, email delivery, hosting services, and customer service
• Business Partners: Financial institutions, insurance providers, and other partners with whom we offer co-branded services or engage in joint marketing activities
• Affiliates: Companies that are under common ownership or control with Trust Paycon
• Legal Requirements: Law enforcement, governmental agencies, or authorized third parties when required by law, regulation, legal process, or governmental request
• Business Transfers: In connection with a corporate transaction, such as a merger, acquisition, or sale of assets

We require all third parties to respect the security of your personal information and to treat it in accordance with applicable laws and regulations.

8. International Transfers

Your personal information may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that differ from the laws of your country.

If we transfer your personal information to countries outside your jurisdiction, we will implement appropriate safeguards to ensure that your personal information remains protected in accordance with this Privacy Policy and applicable law. These safeguards may include data protection agreements, standard contractual clauses approved by relevant regulatory authorities, or other legally acceptable mechanisms.

9. Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top of this page.

We encourage you to review this Privacy Policy periodically to stay informed about how we collect, use, and protect your information.

Change Log:

• June 1, 2024 - Current version
• January 15, 2024 - Updated to enhance clarity and reflect regulatory changes
• May 20, 2023 - Updated to include information about international data transfers
• October 10, 2022 - Original policy published

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Data Protection Officer at:

We will respond to your inquiry as soon as possible and within the timeframe required by applicable law.