Privacy Policy :
At Pan Oceanic Bank, we are committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, store, and disclose your personal information when you visit our website www.pob.com.sb, use our online services, and interact with us. Please read this Privacy Policy carefully to understand how your personal data will be handled.
1. Information We Collect
We collect two types of information: Personal Information and Non-Personal Information.
Personal Information
Personal information is data that can be used to identify you, such as:
- Contact Information: Name, email address, phone number, mailing address.
- Financial Information: Account numbers, credit card numbers, bank account details, transaction history.
- Identification Information: Government-issued identification numbers, date of birth.
- Authentication Information: Usernames, passwords, security questions, and answers.
Non-Personal Information
Non-personal information refers to data that cannot be used to identify you individually. This includes:
- Device Information: IP address, browser type, operating system, and device type.
- Usage Data: Information about how you use our website, such as pages visited, duration of visits, and referring URLs.
- Cookies and Tracking Technologies: We use cookies, web beacons, and other tracking technologies to enhance your experience and analyze website performance. For more details, see the “Cookies” section below.
2. How We Collect Information
We collect information through various methods, including:
- Directly from You: When you interact with us, for example, when you open an account, fill out forms, or make inquiries.
- Automatically through Technology: We may collect non-personal information through cookies and tracking technologies when you visit our Site.
- From Third Parties: We may receive personal information about you from third parties, such as credit reporting agencies or other financial institutions, in connection with services you request.
3. How We Use Your Information
We use your personal information for various purposes, including:
- To Provide Services: To open and maintain accounts, process transactions, and provide customer support.
- To Communicate with You: To respond to inquiries, send account-related updates, offer customer support, and send marketing or promotional communications (with your consent where required).
- To Improve Our Services: To analyze usage trends and enhance your experience on our Site.
- For Legal and Regulatory Compliance: To comply with applicable laws, regulations, and industry standards.
- Fraud Prevention and Security: To detect and prevent fraud, protect our systems, and ensure the security of your personal data.
4. Cookies and Tracking Technologies
We use cookies and similar technologies to collect non-personal information about your usage of our Site. Cookies are small files stored on your device that help us analyze web traffic, remember your preferences, and provide a more personalized experience. You can control cookies through your browser settings, but please note that disabling cookies may affect the functionality of our Site.
5. How We Protect Your Information
We take the security of your personal information seriously. We implement physical, technical, and administrative safeguards to protect your data from unauthorized access, disclosure, alteration, and destruction. However, no security measures are perfect, and we cannot guarantee the absolute security of your information.
6. Sharing Your Information
We do not sell, rent, or trade your personal information to third parties. However, we may share your information with:
- Service Providers: Trusted third-party vendors who assist in operating our Site and delivering services to you (e.g., payment processors, IT support).
- Affiliates: We may share information with our affiliates for business purposes, subject to applicable laws.
- Legal Requirements: We may disclose your information if required to do so by law or in response to a subpoena or government request.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, your personal information may be transferred as part of the transaction.
7. Your Rights and Choices
You have the right to:
- Access and Update Your Information: You may request access to or correction of your personal information held by us.
- Opt-Out of Marketing Communications: You may opt-out of receiving promotional communications at any time by following the unsubscribe instructions in the emails or by contacting us directly.
- Delete Your Information: In some circumstances, you may request the deletion of your personal data, subject to certain exceptions as required by law.
8. Children’s Privacy
Our Site is not intended for children under the age of 13, and we do not knowingly collect personal information from children. If we learn that we have inadvertently collected information from a child under 13, we will take steps to delete that information.
9. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law or regulation.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we make significant changes, we will post the updated policy on this page and revise the “Effective Date” at the top of the policy. We encourage you to review this Privacy Policy periodically for any updates.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy, or if you would like to exercise your rights under this policy, please contact us at:
POB
PO Box 2294, Level 1, Hyundai Mall, Mendana Avenue, Honiara, Solomon Islands
+67727762
Contact@pob.com.sb
By using our website and services, you consent to the practices described in this Privacy Policy.