Privacy Policy

Policy Information

This policy is provided for transparency and client understanding. It may be updated from time to time to reflect legal, regulatory, operational, or service changes. The latest version will be published on this page.

• Last updated: January 15, 2026
• Scope: Website, onboarding, banking services, and communications
• Principle: Confidentiality and security by design

1) Who We Are

Uninova International Bank provides international banking services to personal and corporate clients. We apply a compliance-led and risk-based approach to onboarding, account management, and ongoing monitoring.

2) What Information We Collect

Depending on your interaction with us, we may collect:

• Identity and contact data (name, address, email, phone, nationality, DOB/POB)
• Corporate and beneficial ownership data (directors, shareholders, UBOs)
• Verification/KYC/KYB data (documents, questionnaires, source of funds/wealth)
• Account and transaction data (payment instructions, beneficiaries, account activity)
• Technical data (IP address, device/browser info, logs, cookies/analytics)
• Communications (emails, messages, support requests)

3) How We Collect Information

• Information you provide via forms, email, onboarding submissions and documents
• Information generated through account activity and service use
• Compliance screening and verification sources (where applicable)
• Website technologies such as cookies and similar tools

4) Why We Use Your Information

• Onboarding, eligibility assessment and account administration
• Compliance obligations (KYC/KYB, AML/CTF, sanctions, fraud prevention)
• Processing transactions and providing banking services
• Security, risk management, internal controls and audits
• Responding to inquiries, communications and service requests
• Improving website performance, reliability and user experience

5) Legal Bases for Processing

• Performance of a contract or steps prior to entering a contract
• Compliance with legal and regulatory obligations
• Legitimate interests (security, fraud prevention, service improvement)
• Consent (where required, e.g., certain cookies or optional communications)

6) Confidentiality & Access Controls

Access to personal data is limited to authorized staff and relevant service providers on a need-to-know basis, subject to confidentiality obligations, internal controls, and security measures.

7) Sharing & Disclosures

We do not sell personal data. We may share information with:

• Service providers (hosting, security, communications, verification, operational support)
• Partner institutions (only where needed to execute services/transactions)
• Professional advisers (legal, compliance, audit, accounting)
• Regulators and authorities (where required by law or legitimate request)

8) International Transfers

Banking operations may involve cross-border processing. Where data is transferred internationally, we apply reasonable safeguards consistent with risk, regulatory expectations and operational requirements.

9) Data Retention

We retain personal data as necessary for the purposes described and to meet legal/regulatory, accounting and reporting requirements. Retention periods may vary by relationship type and applicable rules.

10) Security

We apply technical and organizational measures to protect data (including access controls, monitoring, and encryption where appropriate). No system is 100% secure, but we maintain controls designed to reduce risk and protect confidentiality.

11) Cookies & Website Analytics

Our website may use cookies and similar technologies to enable functionality and understand usage. You can control cookies via your browser settings; disabling cookies may impact site functionality.

12) Your Rights

Subject to applicable law, you may have rights to:

• Request access to your personal data
• Request correction of inaccurate or incomplete data
• Request deletion or restriction (where legally permitted)
• Object to certain processing activities (where applicable)
• Withdraw consent (where processing is based on consent)

Please note: banking and AML/CTF obligations may limit our ability to delete or restrict certain records.

13) Changes to This Policy

We may update this policy to reflect regulatory or operational changes. Updates will be published on this page with an updated “Last updated” date.