Privacy Policy

At Polar Financial ("the Bank", "we", "us", or "our"), we consider the confidentiality, integrity, and security of your personal and financial information to be a core foundation of our banking operations.

This Privacy Policy explains the categories of personal data we collect when you register an account, utilize our payment channels, apply for credit facilities, or interact with our digital infrastructure, and sets forth your legal rights under international and domestic data protection legislation in United States.

In order to establish and service depository and transactional accounts, we collect and process the following information:

• Identity & KYC Data: Legal full name, date of birth, residential address, nationality, government-issued passport/ID document images, tax identification numbers, and biometric verification photographs.
• Contact Information: Verified electronic mail address, mobile telephone number, and physical billing addresses.
• Financial & Transactional Records: Account balances, deposits, internal transfer entries, domestic clearing details, SWIFT wire instructions, beneficiary details, and loan repayment schedules.
• Technical & Device Telemetry: IP addresses, browser user-agents, device fingerprints, login timestamps, and geolocation data collected for fraud prevention and session security.

We process your personal data strictly under valid legal grounds recognized under banking laws:

Polar Financial does not sell, rent, or monetize your personal data. Information is disclosed strictly on a need-to-know basis to:

• Correspondent banking partners and payment clearing networks (e.g., SWIFT, ACH) solely to settle authorized transfer instructions.
• Verified identity verification and KYC document verification vendors bound by non-disclosure and strict data processing agreements.
• Competent regulatory authorities, law enforcement agencies, or central financial intelligence units in United States when required by formal legal subpoena or statutory statute.

As a multi-currency institution supporting international settlements, your transaction metadata may be transmitted across national borders to correspondent clearinghouses. All cross-border transmissions are protected via Standard Contractual Clauses (SCCs) and bank-grade cryptographic encapsulation.

Polar Financial enforces defense-in-depth security standards to protect stored and in-transit records:

In compliance with financial recordkeeping laws in United States, client identity files and transaction ledgers are retained for a minimum statutory period of five (5) to seven (7) years following account closure. Upon expiration of mandatory statutory periods, data is permanently expunged or anonymized.

Depending on your residency, you hold specific enforceable statutory rights regarding your personal data:

• Right of Access: Request a complete copy of all personal records and transaction logs maintained on your behalf.
• Right to Rectification: Request correction of inaccurate contact or identity records.
• Right to Restriction / Portability: Request transmission of your financial records to another financial provider in structured format.

We use strictly essential authentication session cookies and security tokens to maintain encrypted sessions and remember your theme preferences. We do not employ third-party advertising cookies or cross-site tracking trackers.

If you have questions regarding this Privacy Policy or wish to exercise statutory data protection rights, please direct inquiries to our Data Protection Office: