Privacy Policy

1. Introduction

Unitus Bank respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and protect your information when you visit our website, use our mobile application, or access our banking services.

We aim to handle personal information in accordance with applicable Australian privacy laws, including the Privacy Act 1988 (Cth), where applicable.

2. Information We Collect

We may collect the following information:

• Full name and date of birth.
• Residential and mailing address.
• Email address and phone number.
• Identification details where legally required.
• Bank account details and transaction history.
• Payment and financial information.
• Device information, IP address, and browser type.
• Website usage data and security records.

3. How We Collect Information

We collect information when you open an account, complete forms, use our website or mobile application, contact customer support, or interact with authorised service providers.

We may also receive information from financial institutions, identity-verification providers, and other lawful sources where permitted.

4. How We Use Your Information

We use your information to:

• Open and manage bank accounts.
• Process payments and transfers.
• Verify your identity.
• Prevent fraud and protect your account.
• Provide customer support.
• Improve our banking services.
• Meet legal and regulatory requirements.
• Send important account and security notifications.
• Send marketing communications where permitted by law.

5. Sharing Your Information

We may share personal information with authorised payment processors, technology providers, identity-verification services, professional advisers, regulators, and government authorities where required or permitted by law.

We do not sell personal information to third parties for their independent marketing purposes.

6. Overseas Data Transfers

Some service providers may process or store information outside Australia. Where this occurs, we will take the steps required by applicable privacy laws to protect your information.

7. Information Security

We take reasonable steps to protect personal information against unauthorised access, misuse, loss, modification, or disclosure.

Security measures may include encryption, access controls, authentication systems, security monitoring, and regular system maintenance, depending on the services implemented.

However, no online system can be guaranteed to be completely secure. Customers should keep their passwords and banking credentials confidential and report suspected unauthorised activity promptly.

8. Cookies And Tracking

Our website may use cookies and similar technologies to improve website functionality, remember preferences, analyse performance, and support security.

You can manage cookies through your browser settings. Disabling certain cookies may affect some website features.

9. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this policy and to meet applicable legal and regulatory requirements.

When information is no longer required, we will take reasonable steps to delete or de-identify it securely, unless the law requires us to retain it.

10. Access And Correction

You may request access to the personal information we hold about you or request corrections if your information is inaccurate, incomplete, or out of date, subject to applicable law.

We may need to verify your identity before processing your request.

11. Privacy Complaints

If you believe your personal information has been mishandled, you may contact our Privacy Officer using the contact details provided below.

We will review your complaint and respond within a reasonable period.

If you are dissatisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC), where applicable.

Website: https://www.oaic.gov.au/

12. Third-Party Websites

Our website may contain links to third-party websites. These websites have their own privacy policies, and we are not responsible for their privacy practices.

We encourage you to read their privacy policies before sharing personal information.

13. Children’s Privacy

We handle children's personal information in accordance with applicable laws. Where banking services are provided to minors, appropriate safeguards and authorisations will be applied where required.

14. Changes To This Policy

We may update this Privacy Policy to reflect changes in our services, technology, or legal obligations.

The latest version will be published on our website with the updated effective date.

15. Contact Us

Unitus Bank

Privacy Officer

Website: unitusbank.netlify.app
Email: unitusbank@gmail.com
You can also send a message through our Support page.

For your security, never send passwords, PINs, or full card security codes by email.

16. Important Notice

This Privacy Policy is a general template and should be reviewed to ensure it accurately reflects Unitus Bank's actual operations and legal obligations. It does not establish that Unitus Bank is licensed or authorised to operate as a bank in Australia.