Privacy Policy
POB Mobile App
Pan Oceanic Bank
Effective Date: 19 February 2026
Pan Oceanic Bank we operates the POB Mobile App (“App”). This Privacy Policy explains
how we collect, use, store, share, and protect user and device information when you
use our mobile banking application.
By downloading or using the App, you agree to this Privacy Policy.
1. Information We Collect
We collect only information necessary to provide secure banking services and comply
with regulatory requirements.
A. Personal Information
Full name :
Date of birth :
Identification details (as required for banking compliance)
Phone number :
Email address :
Residential address:
Account numbers:
B. Financial Information
Account balances:
Transaction history:
Payment and transfer details
Beneficiary information
C. Device & Technical Information
Device model:
Operating system version:
IP address:
Device identifiers (such as Android Advertising ID, where applicable)
Mobile network information
App usage logs and crash reports
D. Authentication & Security Data
Login credentials (encrypted)
Biometric authentication data (processed locally on your device where
supported)
We do not collect unnecessary personal data.
2. How We Use Information
We use collected information to:
Provide and maintain banking services
Process transactions and transfers
Verify identity and authenticate users
Detect and prevent fraud, abuse, and security threats
Send service notifications (e.g., transaction alerts)
Improve app performance and user experience
Comply with legal, regulatory, and anti-money laundering obligations
We do not sell, rent, or trade user personal information to third parties.
3. Legal Basis for Processing
We process personal data based on:
Performance of a contract (providing banking services)
Compliance with legal obligations
User consent (where required)
Legitimate interests such as fraud prevention and service improvement
4. Data Sharing and Disclosure
We may share information only when necessary with:
Regulatory authorities and law enforcement (when required by law)
Payment networks and banking partners
Fraud detection and cybersecurity service providers
IT and cloud service providers supporting app operations
All third-party service providers are contractually required to:
Protect user data
Use data only for authorized purposes
Implement appropriate security safeguards
We do not allow third parties to use your data for their own marketing purposes.
5. Data Retention
We retain personal and financial data only as long as necessary to:
Provide banking services
Meet regulatory and legal obligations
Resolve disputes
Enforce agreements
Retention periods may vary depending on applicable banking and financial regulations.
6. Data Security
We implement industry-standard security measures including:
End-to-end encryption of sensitive data
Secure HTTPS communication
Multi-factor authentication (MFA)
Biometric authentication (where supported)
Firewall and intrusion detection systems
Access controls and audit logging
While we strive to protect your information, no digital transmission system is
completely secure.
7. Your Privacy Rights
Depending on applicable law, you may have the right to:
Access your personal data
Request correction of inaccurate data
Request deletion (subject to legal retention requirements)
Object to certain processing
Withdraw consent where applicable
To exercise your rights, contact us at:
Email: contact@pob.com.sb
We will respond within a reasonable timeframe in accordance with applicable laws.
8. Children’s Privacy
The POB Mobile App is intended for individuals aged 18 and above.
We do not knowingly collect personal information from children under 13 years of
age. If we become aware that such information has been collected, we will promptly
delete it.
The App is not directed toward children under 13 and does not target children as its
primary audience.
9. Third-Party Services
The App may integrate with secure third-party services (such as payment gateways or
analytics tools). These providers process data on our behalf under strict confidentiality
and security obligations.
We encourage users to review third-party privacy policies where applicable.
10. International Data Transfers
If data is processed or stored outside Solomon Islands, we ensure appropriate
safeguards are implemented to protect personal information in accordance with
applicable data protection laws.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Updates will be posted within the
App and/or on our official website. Continued use of the App after updates indicates
acceptance of the revised policy.
12. Contact Information
Pan Oceanic Bank
POB Mobile App
Email: contact@pob.com.sb