Privacy Policy

Effective: January 2025

Your privacy is important to us. This Online Privacy Policy explains how Union Monique Bank may collect, share, use, and protect information when you visit or use our websites, mobile applications, and other digital services that link to this policy.

This policy covers Union Monique Bank's online services, including our public website, online and mobile banking, and Union Monique-branded social media pages, as well as interactions you may have through our digital advertising.

As you review this policy, keep the following principles in mind:

• Our online services are not intended for children under 16. We do not knowingly collect personal information from children without appropriate parental or guardian consent.
• If you hold a financial product or service with us, we use information we collect in accordance with this policy and applicable privacy laws in the jurisdictions where we operate.
• Union Monique Mobile and certain partner channels may include additional privacy terms. Please review the policy that applies to the specific service you are using.
• Questions about this policy may be directed to Global Client Services at +1-416-555-0100 or info@unionmonique.com.

Information We Collect

Personal Information

When you visit or use our online services, we may collect personally identifiable information such as your name, email address, mailing address, telephone number, account numbers, limited location information (for example, to help you find a nearby branch or ATM), username, and password. We may also collect payment card details, government-issued identification numbers, or tax identification numbers when you provide them during account opening, servicing, or verification.

Usage and Other Information

We may collect information about how you use our online services, including the IP address of your device, browser type, operating system, referring site, pages viewed, and actions taken. We and our service providers may use cookies, web beacons, and similar technologies to collect and store this information. We may associate usage data with personal information about you where permitted by law.

Union Monique Mobile

Union Monique Bank offers access to products and services through mobile applications and mobile-optimized websites ("Union Monique Mobile"). When you use Union Monique Mobile, we may collect device identifiers, screen resolution, device settings, general location data, and analytics about how you use the application.

We may request permission to access information stored on your device–such as location, camera, or contacts–to improve your experience and help protect your account. You will be prompted before access is granted; you may decline, and you can change permissions later in your device settings.

Additional Sources of Information

We may obtain information about you from co-branded partner sites, credit reference agencies, and other commercially available sources, and combine it with information collected under this policy.

Use of Information

We use the information described above to:

• Process applications and transactions;
• Verify your identity and location when you access account information;
• Prevent fraud and strengthen the security of your accounts and our services;
• Respond to your requests and communicate with you;
• Manage your preferences and service settings;
• Analyze use of our online services, including email responses and pages viewed;
• Provide tailored content and service-related messages where permitted;
• Develop, evaluate, and improve our products, services, and operations;
• Comply with legal requirements, industry standards, contractual obligations, and our policies;
• Administer surveys, promotions, and similar programs; and
• Support any other purpose disclosed when information is collected.

We may use aggregated or anonymized data for business analysis where permitted by applicable law.

Disclosure of Information

We may share information we collect with affiliates and trusted third parties, including:

• Service providers that support our core banking, technology, and security operations;
• Affiliated Union Monique entities that help deliver products and services across our network, where permitted by law;
• Co-branded partners that offer programs jointly with Union Monique Bank; and
• Regulators, courts, law enforcement, or other parties when required by law, to protect rights and safety, or to enforce our agreements.

We limit sharing in line with your choices and applicable privacy requirements in each jurisdiction where we operate.

We may share anonymous or aggregated information with third parties to improve service delivery and reporting.

Cookies, Web Beacons, and Other Tracking Technologies

We and our partners may use cookies, web beacons, local shared objects, and similar technologies for fraud prevention, site functionality, and measurement of marketing performance.

• Cookies are small data files stored on your device that help us recognize returning visitors and remember preferences. Most browsers let you decline or delete cookies, though some features may not work as intended if you do.
• Web beacons and pixel tags are small images used on pages or in emails to understand traffic patterns and engagement. They may also appear in advertisements served outside our site.

Do Not Track Signals

Some browsers transmit a "Do Not Track" signal requesting reduced cross-site tracking. Union Monique Bank does not change general site access based on this signal. Additional verification may be required to use Union Monique Online Banking.

Linking to Third-Party Websites

Our site may link to websites operated by other companies. Those sites have their own privacy and security practices, which may differ from ours. Review the third party's policies before providing personal information.

Security

We maintain physical, electronic, and procedural safeguards designed to protect personal information, including secured facilities and access controls. Learn more on our Online Security page.

Information sent to us through unencrypted channels may not be secure in transit. Avoid using unsecured email or messaging to send sensitive account details.

Updating Your Information

Keeping your account information current is important. You may review and update certain details by signing in to Union Monique Online Banking. For changes you cannot make online, contact Global Client Services at +1-416-555-0100 or visit a branch location.

Changes to This Policy

We may update this Online Privacy Policy from time to time. When we do, we will post the revised version on this page with a new effective date. Changes take effect when posted unless otherwise stated.