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# Data Protection & Security

Texas Capital Bank
Contact Email: [email protected]

## 1. Introduction

Texas Capital Bank (“the Bank”) is committed to protecting the privacy, confidentiality, and security of all customer information.
This Data Protection & Security Policy outlines the principles, technologies, and procedures used to ensure safe handling, storage, and transmission of personal and financial data.

## 2. Scope of the Policy

This policy applies to:

- All customer data collected through the Bank’s website, digital banking platforms, mobile apps, customer support channels, and offline processes

- All employees, contractors, and authorized third parties

- All data storage systems, databases, and servers operated or managed by the Bank

## 3. Data Protection Principles

Texas Capital Bank follows internationally recognized data protection standards, ensuring that:

- Data is processed lawfully, fairly, and transparently

- Data collection is limited to what is necessary for service delivery

- Data is accurate and kept up to date

- Data is stored securely with strict access controls

- Data is retained only for as long as necessary

- Data is protected against unauthorized access, loss, misuse, or alteration

## 4. Types of Data Collected

The Bank may collect the following categories of information:

### Personal Information

- Full name

- Date of birth

- Address and contact details

- Identification documents (passport, ID, etc.)

### Financial Information

- Account details

- Transaction histories

- Payment methods

- Source of funds (where applicable)

### Technical Information

- IP addresses

- Device information

- Browser type

- Usage analytics

### Verification Information

- KYC/AML screening data

- Sanction/PEP checks

## 5. Data Usage Purposes

Customer data may be used for:

- Account creation and management

- Transaction processing and verification

- Customer identity verification (KYC/AML)

- Preventing fraud and financial crime

- Internal reporting and compliance

- Improving banking services

- Communication regarding customer accounts or support

The Bank does not sell customer data to third parties.

## 6. Data Storage & Security Measures

Texas Capital Bank employs advanced security technologies and procedures including:

### Encryption

- End-to-end encryption of sensitive data

- Encrypted servers and databases

- SSL/TLS protection for all online communication

### Access Controls

- Role-based access permissions

- Multi-factor authentication (MFA)

- Strict monitoring of internal system access

### Network & Infrastructure Security

- Firewalls and intrusion detection/prevention systems

- Regular vulnerability assessments

- Secure cloud infrastructure compliant with industry standards

### Data Backup & Recovery

- Encrypted backups stored securely

- Disaster recovery systems

- Business continuity procedures

## 7. Sharing of Data

Data may be shared only when:

- Required by law or regulatory authorities

- Needed for transaction processing

- Necessary for fraud prevention or AML/KYC compliance

- Shared with trusted service providers under strict confidentiality agreements

Texas Capital Bank does not share data for marketing purposes without explicit customer consent.

## 8. Customer Rights

Customers have the right to:

- Access their personal data

- Request corrections or updates

- Request deletion of certain information (subject to legal retention obligations)

- Withdraw consent where processing is based on consent

- Request information about how their data is used

- Lodge complaints regarding data handling

Requests can be made via [email protected].

## 9. Data Retention

Personal and financial information is retained:

- Only as long as legally required for AML/KYC compliance

- For the duration necessary to provide banking services

- In accordance with financial, regulatory, and audit requirements

After the retention period, data is securely erased or anonymized.

## 10. Third-Party Service Providers

Where the Bank uses third-party providers (e.g., payment processors, cloud hosting providers), they must:

- Meet strict data protection standards

- Sign confidentiality and data-processing agreements

- Undergo periodic security and compliance checks

The Bank remains fully responsible for all data processed on its behalf.

## 11. Data Breach Response

Texas Capital Bank maintains a structured Data Breach Response Plan including:

- Immediate isolation of affected systems

- Investigation and incident assessment

- Notification of affected customers when required

- Reporting to regulatory authorities where applicable

- Implementation of corrective measures

## 12. Employee Responsibilities

All employees must:

- Follow internal data security guidelines

- Handle customer information confidentially

- Use Bank systems responsibly

- Report suspected breaches immediately

Regular training is provided to maintain awareness and compliance.

## 13. Policy Updates

This policy may be updated periodically to reflect:

- Changes in legal requirements

- Evolving cybersecurity standards

- Technological advancements

- Updated internal procedures

Any significant updates will be posted on the Bank’s website.

## 14. Contact Information

For inquiries or data-related requests:

Email: [email protected]

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