Privacy Policy

1. Introduction

Greyshore Financial Trust ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our mobile app, or engage with our banking services.

We are registered as a data controller with the Information Commissioner's Office (ICO) under registration number ZA928374. This policy complies with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Information We Collect

We may collect the following types of information:

Personal Identification Information

• Full name, date of birth, and national insurance number
• Contact information (email address, phone number, mailing address)
• Government-issued ID (passport, driving licence)
• Employment and income information

Financial Information

• Bank account numbers and sort codes
• Transaction history and account balances
• Credit history and credit scores
• Investment portfolio details

Technical Information

• IP address, browser type, and device information
• Cookies and similar tracking technologies
• Website usage and clickstream data

3. How We Use Your Information

We use your information for the following purposes:

• Account Management: To open and maintain your accounts, process transactions, and provide customer support.
• Fraud Prevention: To detect, investigate, and prevent fraudulent or unauthorized activities.
• Legal Compliance: To comply with anti-money laundering (AML), know your customer (KYC), and other regulatory requirements.
• Product Improvement: To analyse usage patterns and improve our products and services.
• Marketing: To send you promotional communications (you may opt out at any time).

4. Legal Basis for Processing

We process your personal data based on the following legal grounds:

• Contractual Necessity: Processing necessary to provide banking services under our account agreements.
• Legal Obligation: Processing required to comply with financial regulations and anti-fraud laws.
• Legitimate Interests: Processing for fraud prevention, security, and business improvement.
• Consent: Processing for marketing communications where you have provided consent.

5. Information Sharing and Disclosure

We may share your information with:

• Service Providers: Third-party vendors who assist with payment processing, identity verification, and customer support.
• Regulatory Authorities: Government agencies and financial regulators as required by law.
• Credit Reference Agencies: To verify your identity and assess creditworthiness.
• Fraud Prevention Agencies: To detect and prevent fraudulent activity.

We do not sell your personal information to third parties for marketing purposes.

6. Data Security

We implement industry-standard security measures to protect your information:

• 256-bit SSL encryption for all online transactions
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Employee training on data protection and privacy
• Secure data centres with 24/7 monitoring

While we strive to protect your information, no method of transmission over the internet is 100% secure.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, including:

• Active accounts: Information retained for the duration of your relationship with us
• Closed accounts: Information retained for up to 7 years as required by financial regulations
• Marketing data: Retained until you withdraw consent or unsubscribe

8. Your Rights

Under UK GDPR, you have the following rights:

• Right to Access: Request a copy of the personal data we hold about you.
• Right to Rectification: Correct inaccurate or incomplete information.
• Right to Erasure: Request deletion of your data (subject to legal obligations).
• Right to Restrict Processing: Limit how we use your data.
• Right to Data Portability: Receive your data in a structured, machine-readable format.
• Right to Object: Object to processing based on legitimate interests or direct marketing.

To exercise these rights, please contact our Data Protection Officer at dpo@greyshorestrust.com.

9. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience. Cookies are small text files stored on your device that help us:

• Remember your login preferences
• Analyse website traffic and usage patterns
• Personalise content and advertisements

You can manage your cookie preferences through your browser settings. Disabling cookies may affect certain website features.

10. International Data Transfers

Your information may be transferred to and processed in countries outside the UK. We ensure appropriate safeguards are in place, such as:

• Standard Contractual Clauses approved by the UK government
• Binding Corporate Rules for intra-group transfers
• Transfers only to countries with adequate data protection laws

11. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we discover that a minor has provided us with personal data, we will delete it immediately.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Material changes will be notified to you by email or through a prominent notice on our website. The "Last Updated" date at the top of this policy indicates when it was last revised.

13. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact Greyshore Financial Trust:

• Email (Data Protection): dpo@greyshorestrust.com
• Email (General): info@greyshorestrust.com
• Phone (UK - London): +44 20 4558 6323
• Phone (US - San Francisco): (415) 991-1472
• Phone (France - Paris): +33 757934668
• Phone (US - Miami): (305) 404-0950
• Mail: Data Protection Officer, Greyshore Financial Trust, 5 King William Street, London, EC4N 7AR, United Kingdom

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at www.ico.org.uk or by calling 0303 123 1113.