Privacy policy
How we collect, use and protect your information.
1. About this policy
Independent Digital Banking is an independently operated digital banking platform. Independent digital banking platform. Not a licensed bank or financial institution. This platform is independently operated and does not provide regulated banking or real-money payment services.
2. Data we collect
During registration and account opening we collect the details needed to operate your account: your email address, full name, phone number (including country code), country of residence, date of birth, residential address, account type and preferred currency. We also store a salted hash of your transfer PIN — never the PIN itself.
3. How your data is used
Your data is used to create your profile and account, to generate your account identifiers, to display your dashboard and transaction history, and to send notifications about activity on your account.
4. Credentials and secrets
Passwords are handled entirely by the platform authentication service and are never stored by this application. Transfer PINs and verification codes are stored only as salted hashes. No password, PIN, one-time code, API key or administrator secret is written to transaction records, audit logs, receipts or emails.
5. Who can see your data
Only you can see your own profile, accounts, balances, transactions, receipts, statements, loan records, verification requests, notifications and support conversations. Administrators can see account and transaction records for operational purposes within their assigned permissions, but never your password or your transfer PIN. All access is enforced on the server, not merely in the interface.
6. Retention and removal
Account records are retained for as long as your account is open. A workspace administrator can remove your data on request, and deleting the application removes its stored records.
7. Cookies and sessions
The application uses a session token so you stay signed in, and does not use advertising or tracking cookies. Signing out ends the session in your browser.
8. Your choices
You can review and update your profile details at any time, change your transfer PIN, and contact our support desk with any question about how your data is handled.
Independent digital banking platform. Not a licensed bank or financial institution. This platform is independently operated and does not provide regulated banking or real-money payment services.