Last updated: June 17, 2026 · Effective immediately
Contents
Personal Identification Data
When you register for an account, we collect your full name, email address, phone number, date of birth, and government-issued identification documents required for KYC (Know Your Customer) compliance.
Financial Information
We collect information about your bank accounts, transaction history, deposit amounts, crypto holdings, and credit card applications to provide our banking and investment services.
Technical Data
We automatically collect your IP address, browser type, device identifiers, operating system, and usage patterns when you access our platform. This data is used solely for security and service improvement purposes.
Communications
Any messages you send to our support team or banking agents are stored securely and used to resolve your inquiries and improve our customer service.
Service Delivery
Your personal and financial data is used to open and manage your account, process transactions, display your portfolio, and provide all features of the Inc Bank platform.
Security & Fraud Prevention
We analyze transaction patterns and login behavior to detect and prevent unauthorized access, money laundering, and fraudulent activities in compliance with applicable laws.
Regulatory Compliance
As a regulated financial institution, we are legally required to collect, process, and in some cases share your information with regulatory authorities (e.g., for AML/KYC compliance).
Communication
We send transactional notifications, account alerts, and (with your consent) promotional communications about new products and services. You may opt out of marketing emails at any time.
Product Improvement
Aggregated, anonymized usage data helps us understand how clients use our platform so we can improve features, fix issues, and deliver a better experience.
We Never Sell Your Data
Inc Bank does not sell, rent, or trade your personal information to third parties for marketing purposes. Your data is never a product.
Service Providers
We work with carefully vetted third-party providers (e.g., KYC verification partners, cloud hosting, payment processors) who process your data solely on our behalf under strict confidentiality agreements.
Legal Requirements
We may disclose your information when required by law, court order, or government authority — for example, in response to anti-money laundering (AML) investigations or tax reporting obligations.
Business Transfers
In the event of a merger, acquisition, or sale of assets, your data may be transferred as part of that transaction. You will be notified of any such change.
Encryption
All data transmitted between your device and our servers is protected by 256-bit TLS encryption. Sensitive data at rest (passwords, PINs, card numbers) is encrypted using AES-256.
Access Controls
Access to your personal data is strictly limited to authorized Inc Bank employees who need it to perform their job functions. All access is logged and audited.
Incident Response
In the unlikely event of a data breach, we will notify affected clients and relevant authorities within 72 hours as required by applicable data protection regulations.
Essential Cookies
We use strictly necessary cookies to maintain your login session and ensure the platform functions correctly. These cannot be disabled.
Analytics Cookies
With your consent, we use analytics tools to understand how the platform is used. These cookies collect anonymized data and can be disabled via your browser settings.
No Third-Party Advertising Cookies
We do not use advertising cookies or allow third-party advertisers to track you on our platform.
Access
You have the right to request a copy of all personal data we hold about you at any time.
Correction
You may request that we correct inaccurate or incomplete personal information.
Deletion
You may request deletion of your personal data, subject to our legal retention obligations (e.g., transaction records required for regulatory compliance).
Portability
You may request your data in a structured, machine-readable format to transfer to another service provider.
Objection
You may object to certain types of data processing, including direct marketing, at any time.
To Exercise Your Rights
Submit a request to privacy@incbank.com. We will respond within 30 days.
Account Data
We retain your account information for as long as your account is active. If you close your account, we retain your data for 7 years to comply with financial regulatory requirements.
Transaction Records
Transaction data is retained for a minimum of 7 years in accordance with anti-money laundering (AML) regulations.
Communication Logs
Support communications are retained for 3 years for quality assurance and dispute resolution purposes.
Global Operations
Inc Bank operates globally. Your data may be processed in countries outside your country of residence. We ensure all international data transfers comply with applicable data protection laws.
Safeguards
When transferring data internationally, we rely on Standard Contractual Clauses (SCCs), adequacy decisions, or other lawful mechanisms to ensure your data receives an equivalent level of protection.
Updates
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or our services. We will notify you of significant changes via email or a prominent notice on our platform.
Continued Use
Your continued use of Inc Bank after any changes to this policy constitutes your acceptance of the updated terms.
Privacy Team
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Privacy Team at privacy@incbank.com.
Registered Address
Inc Bank, 1 Financial District, Suite 4200, New York, NY 10004, United States.
Data Protection Officer
Our Data Protection Officer can be reached at dpo@incbank.com for any data protection enquiries.