1. Introduction to Privium's Privacy Commitment

Privium Inc. ("Privium," "we," "our," or "us") is committed to redefining privacy in digital banking. As the first privacy-first neobank for global citizens, we collect only the minimal data necessary to deliver our services. This Privacy Policy explains how we handle your information with the utmost transparency and care.

2. Information Collection Practices

2.1 Personal Information

We collect personal information that you voluntarily provide when you:

• Join our waitlist
• Contact us via email
• Sign up for updates or newsletters

This may include:

• Email address
• First and last name (optional)
• Phone number (optional)

2.2 Automatically Collected Information

What We Do NOT Collect:

To protect your privacy, we explicitly do not collect:

• Browser type or version
• Operating system
• Referring website
• Device information (such as hardware model)
• Pages viewed or time spent on our site

What We DO Collect:

We temporarily collect your IP address solely for:

• Basic analytics (such as understanding geographic usage trends)
• Security monitoring (such as detecting brute-force attacks)

IP addresses are anonymized within 24 hours and are never linked to your identity, account, or other personal data.

3. How Privium Uses Your Banking Information

We use your information exclusively to:

• Manage and maintain our waitlist
• Communicate with you about Privium updates and services (you can opt out anytime)
• Respond to your inquiries and provide customer support
• Prevent fraud and unauthorized access
• Comply with legal obligations

We never:

• Sell, rent, or trade your data
• Use tracking cookies or behavioral analytics
• Profile users for advertising

4. Legal Basis for Processing Financial Data

We process your personal information based on one or more of the following legal grounds:

• Consent: When you have given us explicit consent, such as joining our waitlist or receiving communications.
• Legitimate Interests: For anonymized IP analytics and service reliability.
• Legal Obligation: To comply with regulatory requirements and anti-fraud measures.

5. Banking Data Security Measures

We implement strict technical and organizational measures to protect your personal information, including:

• End-to-end encryption for all communications
• Regular third-party security audits
• Partnering only with FDIC-insured US banks for financial data

However, no method of transmission over the Internet or electronic storage is 100% secure, so we cannot guarantee absolute security.

6. Your Rights as a Privium Customer

As a privacy-first neobank, you have the right to:

• Access your personal information
• Request correction or deletion of your data
• Opt out of communications at any time
• Receive a full export of your data (contact privacy@privium.app)

7. Financial Data Retention Policy

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, or as required by law. IP addresses are anonymized within 24 hours. When no longer needed, your data is securely deleted.

8. Children's Privacy Protection

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe your child has provided us with personal information, please contact us and we will promptly delete it.

9. Third-Party Banking Services

Our website may contain links to third-party sites or services not owned or controlled by Privium. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

10. Updates to Our Banking Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by a new "Last Updated" date. Please review this policy periodically for any changes.

11. Contact Privium Support

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

12. Unsubscribing from Privium Communications

You can unsubscribe from our communications at any time by clicking the "unsubscribe" link in our emails or by contacting us directly. Please note you may continue to receive certain transactional or account-related communications.