Privacy Policy — Demo Financial Credit Union

🔒 Your Privacy Matters: We are committed to protecting your personal information. Please review our Privacy Policy to understand how we collect, use, store, and safeguard your data.

1. Information We Collect

We collect information you provide when opening an account, including your name, email address, phone number, date of birth, address, and government identification. We also collect transaction data, login activity, device information, and IP addresses to provide and secure our services.

2. How We Use Your Information

Your information is used to: provide banking services and process transactions; verify your identity and prevent fraud; send account notifications and service updates; comply with legal and regulatory requirements; improve our services and user experience.

3. Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share information with: regulatory authorities as required by law; fraud prevention services; payment processing partners essential to service delivery. All third parties are bound by strict data protection agreements.

4. Data Security

We implement industry-standard security measures including 256-bit SSL/TLS encryption for all data transmissions, AES-256 encryption for stored sensitive data, multi-factor authentication requirements, regular security audits and penetration testing, and 24/7 fraud monitoring systems.

5. Cookies & Tracking

We use essential cookies to maintain your session and security. Analytics cookies (with your consent) help us improve our platform. You can manage cookie preferences in your browser settings. We do not use third-party advertising cookies.

6. Data Retention

We retain your account information for the duration of your membership and for a period required by financial regulations thereafter (typically 7 years). Transaction records are retained per applicable banking laws. You may request deletion of your data subject to legal obligations.

7. Your Rights

You have the right to: access your personal data; correct inaccurate information; request data deletion (subject to legal requirements); export your data in a portable format; opt-out of non-essential communications; lodge a complaint with data protection authorities.

8. Contact for Privacy Concerns

For privacy-related inquiries, contact our Data Protection Officer at: or by writing to our registered address. We will respond to all privacy requests within 30 days.