Privacy Policy

Last updated November 2025

This policy explains what information Oakley Trust Bank collects, how we use it, and the choices you have. It applies to your use of our website and mobile app.

1. Information we collect

When you open an account, we collect information you provide directly, including your name, date of birth, address, government ID details, and contact information, as required to verify your identity under federal law.

We also collect information generated by your use of the app, including transaction history, device information, login activity, and support conversations.

2. How we use your information

We use your information to open and service your account, process transfers and payments, detect and prevent fraud, provide customer support, and meet our regulatory and reporting obligations.

We do not sell your personal information to third parties.

3. How we share information

We share information with service providers who help us operate the app (such as payment processors and identity verification providers), with regulators and law enforcement when required by law, and with your consent when you choose to share account details with a third-party service.

4. Data security

Your information is encrypted in transit and at rest. Access to your account is protected by your login credentials and, for transfers, a separate transaction PIN. You can review and manage your active sessions and devices from your account settings.

5. Data retention

We retain your account and transaction information for as long as your account is open, and for a period afterward as required by federal recordkeeping regulations applicable to banks.

6. Your choices

You can access, update, or request a copy of your personal information at any time from your account settings, or by contacting support. If you close your account, some information may be retained as required by law.

7. Contact us

If you have questions about this policy or how your information is handled, contact our support team from the Contact page.