Privacy Policy

Introduction

DCB Bank Limited ("DCB", "we", "us", or "our") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our banking services, visit our website, or interact with our mobile applications.

By using our services, you consent to the collection and use of information in accordance with this policy. We are committed to maintaining the confidentiality and security of your personal information in compliance with applicable banking regulations and data protection laws.

Information We Collect

How We Use Your Information

We use your personal information for the following purposes:

• To open and maintain your bank accounts and provide banking services
• To process transactions and manage your financial products
• To verify your identity and prevent fraud
• To comply with legal and regulatory requirements (KYC, AML, etc.)
• To assess creditworthiness for loans and credit facilities
• To communicate with you about your account and services
• To improve our products, services, and customer experience
• To send promotional offers and marketing communications (with consent)
• To detect and prevent unauthorized access or security breaches

Information Sharing and Disclosure

We may share your information with:

Data Security

We implement robust security measures to protect your information:

• 256-bit SSL encryption for online transactions
• Multi-factor authentication for account access
• Regular security audits and vulnerability assessments
• Secure data centers with restricted physical access
• Employee training on data protection and confidentiality
• Firewalls and intrusion detection systems

Your Rights

You have the right to:

• Access your personal information held by us
• Request correction of inaccurate data
• Withdraw consent for marketing communications
• Request deletion of data (subject to legal retention requirements)
• Opt-out of non-essential cookies and tracking
• File a complaint with the data protection authority

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience, analyze website traffic, and personalize content. You can manage cookie preferences through your browser settings. Please note that disabling cookies may affect the functionality of certain features.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Account information is typically retained for a minimum of 10 years after account closure as per Estonian Financial Supervisory Authority guidelines.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on our website with an updated revision date. We encourage you to review this policy periodically. Continued use of our services after changes constitutes acceptance of the updated policy.