<?php $this->load->view('website/partials/header'); ?>

        <!--Start Breadcrumb Area-->
        <section class="breadcrumb-area">
            <div class="breadcrumb-area-bg" style="background-image: url(<?php echo base_url('assets/website/assets/images/backgrounds/breadcrumb-area-bg.jpg'); ?>);"></div>
            <div class="container">
                <div class="row">
                    <div class="col-xl-12">
                        <div class="inner-content">
                            <div class="title" data-aos="fade-right" data-aos-easing="linear" data-aos-duration="500">
                                <h2>Privacy Policy</h2>
                            </div>
                            <div class="breadcrumb-menu" data-aos="fade-left" data-aos-easing="linear" data-aos-duration="500">
                                <ul>
                                    <li><a href="<?php echo site_url(); ?>">Home</a></li>
                                    <li class="active">Privacy Policy</li>
                                </ul>
                            </div>
                        </div>
                    </div>
                </div>
            </div>
        </section>
        <!--End Breadcrumb Area-->


        <!--Start Privacy Policy Content-->
        <section class="privacy-policy-content py-5">
            <div class="container">
                <div class="row">
                    <div class="col-xl-12">
                        <div class="content-box">
                            <div class="sec-title mb-4">
                                <h2>Privacy Policy</h2>
                                <p class="text-muted">Last updated: <?php echo date('F d, Y'); ?></p>
                            </div>

                            <div class="policy-section mb-5">
                                <h3>1. Introduction</h3>
                                <p><?php echo $app_name; ?> ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our online banking services, mobile application, and website.</p>
                            </div>

                            <div class="policy-section mb-5">
                                <h3>2. Information We Collect</h3>
                                <h5>Personal Information</h5>
                                <p>We may collect personal information that you provide directly to us, including:</p>
                                <ul>
                                    <li>Name, email address, phone number, and mailing address</li>
                                    <li>Date of birth and Social Security Number (for account verification)</li>
                                    <li>Government-issued identification documents</li>
                                    <li>Financial information including bank account numbers and transaction history</li>
                                    <li>Employment and income information</li>
                                </ul>

                                <h5 class="mt-4">Automatically Collected Information</h5>
                                <p>When you access our services, we automatically collect:</p>
                                <ul>
                                    <li>Device information (type, operating system, unique identifiers)</li>
                                    <li>IP address and location data</li>
                                    <li>Browser type and settings</li>
                                    <li>Usage data including pages visited, features used, and time spent</li>
                                    <li>Transaction data and account activity</li>
                                </ul>
                            </div>

                            <div class="policy-section mb-5">
                                <h3>3. How We Use Your Information</h3>
                                <p>We use the collected information to:</p>
                                <ul>
                                    <li>Provide, maintain, and improve our banking services</li>
                                    <li>Process transactions and send related information</li>
                                    <li>Verify your identity and prevent fraud</li>
                                    <li>Send administrative notices and security alerts</li>
                                    <li>Respond to your comments, questions, and customer service requests</li>
                                    <li>Comply with legal obligations and regulatory requirements</li>
                                    <li>Analyze usage patterns to improve user experience</li>
                                </ul>
                            </div>

                            <div class="policy-section mb-5">
                                <h3>4. Information Sharing</h3>
                                <p>We do not sell your personal information. We may share information with:</p>
                                <ul>
                                    <li>Service providers who assist in operating our services</li>
                                    <li>Financial institutions for transaction processing</li>
                                    <li>Regulatory authorities as required by law</li>
                                    <li>Law enforcement when legally required or to protect rights and safety</li>
                                    <li>Business partners with your consent</li>
                                </ul>
                            </div>

                            <div class="policy-section mb-5">
                                <h3>5. Data Security</h3>
                                <p>We implement industry-standard security measures including:</p>
                                <ul>
                                    <li>256-bit SSL encryption for data transmission</li>
                                    <li>Two-factor authentication (2FA)</li>
                                    <li>Regular security audits and penetration testing</li>
                                    <li>Employee access controls and training</li>
                                    <li>Secure data centers with physical security measures</li>
                                </ul>
                            </div>

                            <div class="policy-section mb-5">
                                <h3>6. Your Rights</h3>
                                <p>You have the right to:</p>
                                <ul>
                                    <li>Access your personal information</li>
                                    <li>Request correction of inaccurate data</li>
                                    <li>Request deletion of your data (subject to legal requirements)</li>
                                    <li>Opt-out of marketing communications</li>
                                    <li>Request data portability</li>
                                </ul>
                            </div>

                            <div class="policy-section mb-5">
                                <h3>7. Cookies and Tracking</h3>
                                <p>We use cookies and similar technologies to enhance your experience. You can control cookies through your browser settings, though disabling them may affect functionality.</p>
                            </div>

                            <div class="policy-section mb-5">
                                <h3>8. Changes to This Policy</h3>
                                <p>We may update this Privacy Policy periodically. We will notify you of significant changes via email or through our services. Your continued use after changes constitutes acceptance of the updated policy.</p>
                            </div>

                            <div class="policy-section">
                                <h3>9. Contact Us</h3>
                                <p>If you have questions about this Privacy Policy, please contact us:</p>
                                <ul>
                                    <li>Email: <?php echo $support_email; ?></li>
                                    <li>Phone: <?php echo $support_phone; ?></li>
                                    <li>Address: 123 Financial District, New York, NY 10004</li>
                                </ul>
                            </div>
                        </div>
                    </div>
                </div>
            </div>
        </section>
        <!--End Privacy Policy Content-->

<?php $this->load->view('website/partials/footer'); ?>
