Last Updated: July 20, 2025
This Privacy Policy and Terms of Service are effective as of the date listed above and apply to all users of Figurocc Banking services.
Privacy Policy
Your Privacy Matters
At Figurocc Banking, we are committed to protecting your privacy and maintaining the confidentiality of your personal and financial information. This Privacy Policy explains how we collect, use, protect, and share your information.
We collect information to provide you with banking services, comply with legal requirements, and improve your experience. The types of information we collect include:
Personal Information
- Identity Information: Name, Social Security number, date of birth, government-issued identification
- Contact Information: Address, phone number, email address
- Financial Information: Income, employment information, credit history, account balances
- Transaction Information: Payment history, account activity, transaction details
Technical Information
- Device Information: IP address, browser type, operating system, device identifiers
- Usage Information: How you interact with our websites, mobile apps, and services
- Location Information: General location data when you use our mobile services
We use your information for legitimate business purposes, including:
- Account Management: Opening, maintaining, and servicing your accounts
- Transaction Processing: Processing payments, transfers, and other banking transactions
- Risk Management: Preventing fraud, money laundering, and other financial crimes
- Compliance: Meeting regulatory requirements and legal obligations
- Customer Service: Responding to inquiries and providing support
- Product Development: Improving our services and developing new products
- Marketing: Offering products and services that may interest you (with your consent)
We do not sell your personal information. We may share your information in the following circumstances:
- Service Providers: Third-party companies that help us provide services (under strict confidentiality agreements)
- Legal Requirements: When required by law, regulation, or legal process
- Business Transfers: In connection with mergers, acquisitions, or sale of assets
- Fraud Prevention: To prevent, investigate, or take action regarding suspected fraud or illegal activities
- With Your Consent: When you explicitly authorize us to share your information
4. Data Security
We implement comprehensive security measures to protect your information:
- Encryption: We use industry-standard encryption for data transmission and storage
- Access Controls: Strict access controls limit who can view your information
- Monitoring: Continuous monitoring for suspicious activities and security threats
- Regular Audits: Regular security audits and penetration testing
- Employee Training: Ongoing security awareness training for all employees
5. Your Privacy Rights
You have several rights regarding your personal information:
- Access: Request information about what personal data we have about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information (subject to legal requirements)
- Portability: Request a copy of your data in a portable format
- Opt-out: Opt out of marketing communications at any time
- Restrict Processing: Request that we limit how we use your information
California Privacy Rights
California residents have additional rights under the California Consumer Privacy Act (CCPA). For more information about your California privacy rights, please contact our Privacy Office.
Terms of Service
These Terms of Service ("Terms") govern your use of Figurocc Banking services, including our websites, mobile applications, and banking services. By using our services, you agree to these Terms.
1. Account Terms
Account Opening
- You must be at least 18 years old to open an account
- You must provide accurate and complete information
- You are responsible for maintaining the confidentiality of your account information
- We reserve the right to refuse service or close accounts at our discretion
Account Maintenance
- You must keep your contact information current
- You are responsible for all transactions made with your account credentials
- You must promptly report any unauthorized transactions
- Account fees and charges apply as disclosed in our fee schedule
2. Prohibited Uses
You agree not to use our services for:
- Illegal activities or transactions
- Money laundering or terrorist financing
- Fraud, identity theft, or impersonation
- Circumventing security measures or accessing unauthorized areas
- Transmitting viruses, malware, or harmful code
- Violating any applicable laws or regulations
- Interfering with other users' use of our services
3. Electronic Communications
By using our services, you consent to receive communications electronically, including:
- Account statements and notices
- Transaction confirmations
- Legal disclosures and agreements
- Marketing communications (which you may opt out of)
4. Limitation of Liability
To the extent permitted by law:
- Our liability is limited to the amount of your actual damages
- We are not liable for indirect, consequential, or punitive damages
- Our total liability shall not exceed the fees you paid us in the preceding 12 months
- Some jurisdictions do not allow limitations on liability, so these limitations may not apply to you
5. Dispute Resolution
Any disputes arising from these Terms or our services will be resolved through:
- First, good faith negotiation between the parties
- If negotiation fails, binding arbitration under the rules of the American Arbitration Association
- Arbitration will be conducted in the jurisdiction where your account was opened
- Class action lawsuits are waived except where prohibited by law
6. Changes to Terms
We may modify these Terms at any time by:
- Posting updated Terms on our website
- Sending you notice via email or postal mail
- Providing notice through our mobile app or online banking platform
Continued use of our services after changes become effective constitutes acceptance of the new Terms.