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# Privacy Policy

Last Updated: 27/07/2025

Texas Capital Bank (“we,” “our,” “us”) is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you access our website, mobile app, and digital banking services.

By using our services, you agree to the practices described in this policy.

# 1. Information We Collect

## 1.1 Personal Information

We collect personal data you provide when opening or managing an account, including:

- Full name

- Date of birth

- Residential address

- Email address and phone number

- Identification documents (passport, ID card, driver’s license)

- Financial details

- Employment information

## 1.2 Transaction & Account Information

- Account numbers

- Account balances

- Payment history

- Transaction records

- Card information

## 1.3 Technical & Device Information

When you use our website or mobile app, we may collect:

- IP address

- Browser type and device information

- Login logs and session details

- Cookies and tracking technologies

## 1.4 Information From Third Parties

We may receive additional information from:

- Credit bureaus

- KYC/AML verification services

- Payment partners and financial institutions

- Regulatory or law enforcement agencies

# 2. How We Use Your Information

We use your data to:

- Open, verify, and manage your account

- Process transactions and payments

- Provide secure digital banking services

- Detect and prevent fraud

- Comply with AML/KYC and regulatory obligations

- Improve service performance and user experience

- Send alerts, updates, and service notifications

- Provide customer support

- Conduct analytics and risk assessments

We do not sell your information to third parties.

# 3. Legal Basis for Processing

Your data is processed under:

- Contractual necessity

- Legal obligations

- Legitimate interest

- Your consent (e.g., for marketing communications)

# 4. Sharing Your Information

We may share your information with:

- Payment processors

- Credit bureaus

- Financial partners

- Fraud prevention and verification services

- Regulatory authorities

- IT and cybersecurity providers

All partners must adhere to strict confidentiality and data protection standards.

# 5. International Data Transfers

Where necessary, we may transfer your data internationally under:

- Standard contractual clauses

- Secure data processing frameworks

- Applicable legal protections

# 6. Data Security

We protect your data using:

- Advanced encryption

- Multi-factor authentication

- Firewalls and intrusion detection systems

- 24/7 monitoring

- Strict access controls

While we take extensive measures, no system is entirely immune from risks. We continuously improve our security protocols.

# 7. Your Rights

Subject to laws in your jurisdiction, you may request to:

- Access your personal data

- Correct or update your information

- Request deletion (where legally permitted)

- Restrict processing

- Withdraw consent

- Request data portability

- File a complaint with a data protection authority

Contact us to exercise your rights at [email protected].

# 8. Data Retention

We retain your information only as long as needed to:

- Maintain your banking relationship

- Comply with laws and regulatory requirements

- Resolve disputes

- Prevent fraud

Certain financial records may be preserved for extended periods as required by law.

# 9. Cookies & Tracking Technologies

We use cookies to:

- Improve user experience

- Enhance security

- Analyze website traffic

- Personalize content

You can modify cookie settings through your browser.

# 10. Third-Party Links

Our site may link to external websites or services. We do not manage their privacy practices and advise reviewing their policies.

# 11. Children’s Privacy

Our services are not intended for users under age 18. We do not knowingly collect data from minors.

# 12. Updates to This Policy

We may update this Privacy Policy periodically. Changes become effective immediately upon posting. You will be notified of significant updates through our platform.

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