Neobank Capital Online Privacy Policy

1. Overview

PRS ONE Capital Trust KB (“Neobank Capital”, “we”, “our”, or “us”) is a financial technology company committed to protecting your privacy and maintaining your trust. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our websites, mobile applications, or other online services (collectively, “Online Services”).

This Policy applies to users in the United States and other regions where we operate, including the European Union (EU), the United Kingdom (UK), Canada, and Latin America.

2. Purpose and Scope

This Privacy Policy applies to personal information we collect through our Online Services. It does not apply to third-party websites or services that we do not control.

We process personal information for legitimate business purposes, including account access, payment facilitation, security, compliance, analytics, and communications — always in accordance with applicable laws.

3. Legal Basis for Processing (International Users)

For users outside the United States, we rely on one or more of the following legal bases to process personal information:

1. Contractual necessity: To provide you with our fintech services or digital platform access.
2. Legal compliance: To meet our regulatory and anti-fraud obligations.
3. Legitimate interests: To improve services, enhance security, and prevent misuse.
4. Consent: When required by law (for example, for marketing communications).

4. Information We Collect

We may collect the following types of information:

1. Personal Information: Name, contact details, identification documents (if required for verification).
2. Financial and Transactional Data: Payment details, transaction history, account preferences.
3. Technical Data: Device information, IP address, browser type, usage logs, and cookies.
4. Communications: Support requests, feedback, or other interactions with us.

We collect this information directly from you, automatically through our platforms, or via trusted service providers.

5. How We Use Information

We use your personal information to:

1. Operate and improve our Online Services;
2. Process and facilitate transactions;
3. Verify identity and prevent fraud;
4. Comply with applicable laws and regulations;
5. Respond to inquiries and provide support;
6. Send updates, notices, or marketing materials (where permitted).

We never sell personal data.

6. Sharing of Information

We may share your information with:

1. Service Providers and Partners: Who help us operate the platform (e.g., hosting, payments, analytics, security).
2. Affiliates: Within our corporate group, for consistent global operations.
3. Regulators or Law Enforcement: Where required by law.

When personal data is transferred internationally, we use appropriate safeguards (such as Standard Contractual Clauses) to ensure lawful protection.

7. Data Subject Rights (International Users)

Depending on your jurisdiction, you may have the right to:

1. Access, correct, or delete your personal information;
2. Restrict or object to certain types of processing;
3. Request a copy of your data (data portability);
4. Withdraw consent at any time (where applicable).

You can exercise these rights by contacting our Data Protection Officer (DPO) at privacy@neobank.capital. We may verify your identity before processing your request.

8. Data Retention and Security

We retain personal data only as long as necessary to provide our services and comply with legal obligations.

We apply industry-standard security measures to protect information from unauthorized access, loss, or misuse. However, no digital system is 100% secure, and you use our services at your own risk.

9. Children’s Privacy

Our Online Services are not intended for individuals under 13 years of age (or the minimum age required by local law). We do not knowingly collect information from minors without verified parental consent.

10. Changes to this Policy

We may update this Privacy Policy periodically to reflect changes in our technology, practices, or legal requirements. Any updates will be posted on our website with a revised “Effective Date.”

11. Contact Information

If you have questions or would like to exercise your privacy rights, please contact:

Global Data Protection Officer

PRS ONE Capital Trust KB

Email: privacy@neobank.capital 

For U.S. residents: Visit legal.neobank.capital or contact Customer Support.