Revised May 2026

About This Privacy Policy

This Privacy Policy explains how Turks and Caicos Banking Company (“TCBC”, “we”, “our”, or “us”) collects, uses, stores, protects, and shares personal information through our website and related services.

This Policy applies to personal information collected through:

• Our public website
• Online forms and inquiries
• Email communications
• Online banking or digital banking services
• Customer onboarding and account applications
• Other interactions with TCBC

By using our website or providing personal information to us, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy, subject to applicable laws and regulations.

Our Privacy Principles

TCBC is committed to protecting the confidentiality and security of personal information.

We are guided by the following principles:

1. Accountability

TCBC is responsible for personal information under our control and has implemented policies and procedures designed to safeguard that information.

2. Identifying Purposes and Consent

We collect, use, and disclose personal information only for legitimate business, legal, regulatory, and operational purposes.

Where required, we obtain consent before collecting, using, or disclosing personal information.

3. Limiting Collection

We limit the collection of personal information to what is reasonably necessary to:

• Provide banking and financial services
• Verify identity
• Meet legal and regulatory obligations
• Improve customer experience
• Protect against fraud and unauthorized activity

4. Accuracy

We take reasonable steps to ensure personal information is accurate, complete, and up to date for the purposes for which it is used.

5. Safeguards

We use administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, misuse, or loss.

6. Openness and Access

Upon written request and subject to legal or regulatory restrictions, individuals may request access to personal information held by TCBC and request corrections where appropriate.

Information We Collect

The type of information we collect depends on the nature of your relationship with TCBC and the services requested.

This may include:

Personal Identification Information

• Full name
• Date of birth
• Nationality
• Government-issued identification details
• Signature

Contact Information

• Residential or mailing address
• Telephone number
• Email address

Financial Information

• Bank account information
• Source of funds information
• Transaction details
• Financial history relevant to banking services

Technical and Website Information

When you use our website, we may automatically collect certain technical information, including:

• IP address
• Browser type
• Device information
• Pages visited
• Website usage data
• Cookies and similar technologies

Communications

We may retain records of communications with you, including:

• Emails
• Online forms
• Customer support inquiries
• Telephone conversations where permitted by law

How We Collect Information

We may collect personal information:

• Directly from you
• Through forms or applications
• Through communications with us
• Through use of our website or digital services
• From service providers or third parties
• From publicly available sources where permitted by law
• As part of compliance, identity verification, anti-money laundering, or fraud prevention processes

How We Use Information

We may use personal information to:

• Provide banking products and services
• Process applications and transactions
• Verify identity
• Communicate with you
• Respond to inquiries
• Improve our website and services
• Detect and prevent fraud, unauthorized access, or financial crime
• Conduct compliance and regulatory checks
• Meet legal and regulatory obligations
• Maintain security and operational integrity

We may also use aggregated or anonymized information for analytics, reporting, and service improvement purposes.

Sharing of Information

TCBC does not sell personal information.

We may share personal information where necessary with:

• Affiliates or related entities
• Service providers acting on our behalf
• Regulatory authorities
• Law enforcement agencies
• Auditors, legal advisors, or professional consultants
• Payment processors and financial networks
• Other parties where required or permitted by law

Information may also be shared in connection with:

• Fraud prevention
• Regulatory reporting
• Court orders or lawful requests
• Anti-money laundering and sanctions compliance obligations

International Transfers

Your information may be processed or stored outside the Turks and Caicos Islands where required for operational, technological, compliance, or service delivery purposes.

Where this occurs, TCBC will take reasonable steps to ensure appropriate protections are in place.

Cookies and Website Technologies

Our website may use cookies and similar technologies to:

• Improve website functionality
• Understand website usage
• Enhance user experience
• Support security and fraud prevention

You may adjust browser settings to refuse cookies; however, certain website features may not function properly.

Security

TCBC maintains security measures designed to protect personal information, including:

• Access controls
• Encryption technologies where appropriate
• Network and system monitoring
• Secure infrastructure and authentication measures
• Staff confidentiality obligations

While we take reasonable steps to protect information, no method of electronic transmission or storage is completely secure.

Retention of Information

We retain personal information only for as long as necessary to:

• Fulfill the purposes for which it was collected
• Meet legal, regulatory, tax, accounting, and operational requirements
• Resolve disputes
• Enforce agreements

Retention periods may continue after the end of the banking relationship where required by law or legitimate business purposes.

Third-Party Websites

Our website may contain links to external websites or services operated by third parties.

TCBC is not responsible for the privacy practices, security, or content of third-party websites. Users should review the privacy policies of those websites independently.

Your Rights

Subject to applicable laws and regulations, you may have the right to:

• Request access to personal information
• Request corrections to inaccurate information
• Withdraw consent where applicable
• Ask questions about how your information is handled

Requests may be subject to identity verification and legal or regulatory limitations.

Updates to This Privacy Policy

TCBC may update this Privacy Policy from time to time to reflect:

• Changes in legal or regulatory requirement
• Operational changes
• Technology updates
• Service enhancements

Updated versions will be posted on this website with a revised effective date.

Contact Us

If you have questions about this Privacy Policy or the handling of your personal information, please contact:

Turks and Caicos Banking Company Ltd.
P.O.Box 777, Ellipse Grace Bay, Unit 100
Grace Bay Road, Providenciales
Turks and Caicos Islands
British West Indies

services@tcbc.tc
+1 (649) 941.4994