Privacy Policy — American Heritage Bank

Introduction

This Privacy Policy describes how American Heritage Bank ("we", "our", or "the Bank") collects, uses, stores, and protects the personal information of individuals who use our platform, website, and associated financial services. By creating an account or using our services, you agree to the practices described in this policy.

1. Information We Collect

We collect the following categories of personal information:

• Identity information: full legal name, date of birth, government-issued ID number
• Contact information: email address, phone number, and mailing address
• Financial information: bank account details, transaction history, deposit and withdrawal records
• Technical information: IP address, browser type, device identifiers, and usage data collected automatically when you access our platform
• KYC documentation: copies of identification documents submitted during the verification process

2. How We Use Your Information

American Heritage Bank uses the information we collect to provide, maintain, and improve our banking services. Specifically, we use your data to: process deposits, withdrawals, and transfers; verify your identity and prevent fraud; comply with applicable financial regulations and reporting obligations; communicate important account updates, transaction confirmations, and service notifications; and improve our platform features and user experience.

3. Data Sharing and Disclosure

We do not sell your personal information to third parties. We may share your information with trusted service partners who assist in operating our platform (such as payment processors and identity verification providers), regulatory authorities when required by law, and fraud prevention agencies in cases of suspected illegal activity. All third-party partners are contractually required to maintain the confidentiality and security of your data.

4. Data Security

We protect your personal information using industry-standard security measures including 256-bit SSL/TLS encryption for all data in transit, encrypted storage for all sensitive data at rest, multi-factor authentication controls, and continuous monitoring for unauthorized access or suspicious activity. While we implement robust security measures, no digital system can guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.

5. Data Retention

We retain your personal information for as long as your account remains active and for a period of up to seven years following account closure, as required by applicable financial and regulatory obligations. After this period, data is securely deleted or anonymized.

6. Your Rights

You have the right to access the personal information we hold about you, request corrections to inaccurate data, request deletion of your data subject to regulatory retention requirements, withdraw consent for non-essential data processing, and lodge a complaint with the relevant data protection authority. To exercise any of these rights, contact us at support@amhbank.com.

7. Cookies

Our website uses cookies and similar tracking technologies to improve your browsing experience, analyze platform usage, and deliver relevant content. You may configure your browser to reject cookies; however, some platform features may not function correctly without them.

8. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable regulations. When material changes are made, we will notify you via email or a prominent notice on our platform. Your continued use of our services following such notification constitutes your acceptance of the revised policy.

9. Contact Us

For questions, concerns, or requests related to this Privacy Policy, please contact our Privacy Team at: support@amhbank.com or write to American Heritage Bank, Privacy Office, United States.