Privacy Policy

PRIVACY POLICY

NorthBridge Global Trust
Last updated: June 14, 2025

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1. Introduction

NorthBridge Global Trust, operating as "NorthBridge GT" ("we," "us," or "our"), headquartered in Charlotte, North Carolina, respects your privacy and is committed to protecting the personal and financial information you share with us. This Privacy Policy explains what information we collect, how we use it, how we protect it, and the choices you have.

This policy applies to information collected through our website, mobile applications, and other digital and in-branch services (collectively, the "Services").

2. Information We Collect

2.1 Information you provide directly:

• Identity information: name, date of birth, government ID number, Social Security number (or equivalent)
• Contact information: address, phone number, email address
• Account information: account numbers, balances, transaction history
• Application information: employment, income, and credit history submitted with account or loan applications
• Communications: messages you send to customer support, secure messages, and call recordings

2.2 Information collected automatically:

• Device information: IP address, browser type, operating system, device identifiers
• Usage information: pages viewed, features used, session duration, log-in timestamps
• Location information: approximate location derived from IP address or, with permission, precise device location

2.3 Information from third parties:

• Credit bureaus and identity verification services
• Payment networks and partner financial institutions
• Publicly available records used for fraud prevention and compliance (e.g., KYC/AML checks)

3. How We Use Your Information

We use the information we collect to:
• Open, maintain, and service your accounts
• Process transactions and payments
• Verify your identity and comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) obligations
• Detect, investigate, and prevent fraud and other unauthorized or illegal activity
• Provide customer support and respond to inquiries
• Send account notices, security alerts, and service updates
• Improve our Services, including through analytics
• Comply with applicable laws, regulations, and regulatory requests
• With your consent, send marketing communications about products and offers (you may opt out at any time)

4. How We Share Your Information

We do not sell your personal information. We may share information with:
• Service providers who perform functions on our behalf (e.g., payment processing, cloud hosting, identity verification), under contractual confidentiality obligations
• Financial partners involved in processing your transactions (e.g., card networks, correspondent banks)
• Credit bureaus, as required for lending products
• Regulators and law enforcement, when required by law, subpoena, or regulatory examination
• Successors, in connection with a merger, acquisition, or sale of assets, subject to confidentiality commitments

5. Data Security

We maintain administrative, technical, and physical safeguards designed to protect your information, including encryption in transit and at rest, access controls, and regular security assessments. No system is completely secure, and we encourage you to also protect your account credentials and report any suspected unauthorized access immediately.

6. Data Retention

We retain personal and financial information for as long as your account is active and for a period afterward as required to comply with legal, regulatory, tax, and accounting obligations (typically 5–7 years after account closure, depending on jurisdiction and record type).

7. Your Rights and Choices

Depending on your jurisdiction, you may have the right to:
• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of information, subject to our legal and regulatory retention obligations
• Opt out of marketing communications
• Limit certain uses of your information
To exercise these rights, contact us using the details in Section 10.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to keep you signed in, remember preferences, measure Service performance, and detect fraud. You can manage cookie preferences through your browser settings; disabling certain cookies may limit Service functionality.

9. Children's Privacy

Our Services are not directed to individuals under 18. We do not knowingly collect personal information from children. If you believe a child has provided us information, please contact us so we can delete it.

10. Contact Us

NorthBridge Global Trust
Charlotte, North Carolina

Email: contact@nbglobaltrust.com

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the revised policy on this page with an updated "Last updated" date, and, where required by law, provide additional notice of material changes.