Privacy Policy
The Kingdom Bank Privacy Policy
The Kingdom Bank takes the privacy of its website visitors, users, and customers seriously. This notice applies to legal entities that provide services under The Kingdom Bank name. It explains what data we collect, why we collect it, and how we use it, including to understand customer behaviour and assess eligibility for products and services.
Please read this Policy before using our website or services. If you have questions, contact customer support through https://thekingdombank.com/. Your rights may vary under the data-protection laws that apply to you, including the UK Data Protection Act 2018, the General Data Protection Regulation (EU) 2016/679 for EEA customers, and other laws applicable to the relevant service and jurisdiction.
1. Information We Collect from You
We collect personal and confidential information to provide and administer our services. Information supplied when registering may include your name, email address, date of birth, payment-card details, and bank-account information.
1.1. Registration Information
When you create an account, we may request payment-card or bank-account details, expiry dates, telephone number, date of birth, identity-document information and images, a photograph or video of the registering individual, industry, account purpose, and transaction information. We may request equivalent information about representatives and controllers of a legal entity, along with additional information for verification and ongoing monitoring.
1.2. Additional Information
We may request further details to verify information and may obtain information from third parties, including service partners. This may include behavioural information and information about accounts or payment methods linked to The Kingdom Bank products. We may also collect website usage, browser, approximate location, and visit-frequency information.
1.3. Transaction Information
We collect and review transaction information, which may include date, time, amount, associated devices, sender and recipient IP addresses, names and registration information, payment messages, device information, and the payment instrument used.
1.4. Merchant Information and Confidentiality
For merchant accounts, we collect information about the business and its key controllers, directors, partners, and shareholders to perform verification and relevant credit and risk assessments. We use confidential information for the evaluations described in the Terms and Conditions and this Policy and safeguard it according to our applicable obligations.
By accepting the Terms and Conditions and this Policy, you also agree to protect The Kingdom Bank confidential information in accordance with the applicable terms.
We may use third-party partners to validate registration information and review eligibility for products and services.
We may periodically review merchant accounts, request information from credit or fraud-prevention agencies where permitted, and restrict or close an account based on the review and applicable terms.
We may collect information about a merchant's business and online profile to assess its size, customer base, and expected transaction activity.
1.5. Maintaining Updated Information
In addition to registration information, we collect information generated through use of our services to support periodic identity verification, monitoring, and customer service. This may include login, location, device, transaction, third-party, identity, and cookie information.
2. Use and Retention of Personal Information
We use registration information to verify identity and eligibility, provide and improve products, communicate changes, operate services, and meet legal and regulatory obligations. Transaction records may be retained for service, anti-money-laundering, customer-due-diligence, politically exposed person screening, and other required checks. We retain personal information for as long as required by applicable law, regulation, legitimate business need, dispute or claim requirements, and our retention policies.
2.1. Internal Use
Where a valid legal basis applies, we may use personal and confidential information for the following purposes:
Access to this information is limited to authorised internal stakeholders according to need and applicable security controls.
- Operating and improving the website and tailoring its use.
- Providing relevant information about products and services.
- Analysing customer support and improving services.
- Providing features or promotions where permitted and according to your preferences.
- Assessing continued eligibility for products and services.
2.2. Third-Party Use
We may share personal or confidential information with service providers and other trusted third parties where permitted by law and for defined purposes. Recipients must handle information according to applicable law and contractual restrictions.
We may share information in circumstances including:
If our business is reorganised, merged, sold, or rebranded, information may be transferred as part of that transaction subject to applicable law and notices.
- Providing a feature or service you request, including J-Banking where applicable.
- Responding to a subpoena, warrant, court order, or other lawful requirement.
- Preventing, detecting, or investigating fraud or other suspected illegal activity.
- Working with approved business and service partners subject to legal or contractual controls.
- Using technical information such as IP address, browser type, and access times to operate and improve the website.
3. Information Disclosure
We may disclose personal and confidential information for the purposes described in this Policy, including:
- To entities within The Kingdom Bank group, including across borders, where required to provide services, administer the business, or meet legal obligations. Appropriate transfer safeguards are applied where required.
- To trusted verification partners that validate information supplied during registration or ongoing review.
- To confirm eligibility for specific products and services.
- To service and technology providers that support customer analysis, service improvement, identity verification, security, and operations. Cross-border transfers are handled according to applicable requirements.
- To law enforcement, regulators, courts, government bodies, or other parties when necessary to comply with law, enforce terms, protect operations or rights, respond to lawful requests, or establish, exercise, or defend claims.
4. Cookies
We use cookies and similar technologies to operate the website, remember preferences, understand use, provide support, measure performance, and, where permitted, support relevant advertising. Please see our Cookies Policy for more information and available controls.
5. Your Rights
Depending on the law that applies, you may have rights to request access to, correction, updating, or deletion of personal information; object to or restrict processing; request data portability; withdraw consent; or complain to a competent supervisory authority. These rights may be subject to legal conditions, limitations, identity verification, and retention obligations.
6. Legal Basis for Processing
Where required, we process personal information on one or more of the following grounds:
- Your consent, such as for marketing where consent is required.
- Taking steps to enter into a contract or performing our obligations under a contract.
- Our legitimate interests or those of a third party, where those interests are not overridden by your rights and freedoms.
- Compliance with a legal obligation or protection of vital interests.
- Performance of a task in the public interest or cooperation with authorised law enforcement where applicable.
7. Contacting Us
For questions about this Privacy Policy or requests concerning personal information, contact customer support through the website chat or contact your Account Manager. We may need to verify your identity before processing a request.
8. Definitions
Please refer to our Terms and Conditions for defined terms used in this Privacy Policy.
9. Updates and Amendments
We may amend this Privacy Policy when our services, legal requirements, or processing activities change. Updates will be posted on our website and, where required, we will provide additional notice or request renewed consent. Prior versions may be retained for reference.
