Privacy Policy

British Royal Caribbean Bank ("BRCB", "we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, store, and safeguard personal information when you visit our website, apply for an account, use online banking, or otherwise interact with our services across the Caribbean region.

By using our services, you acknowledge that you have read this Privacy Policy. Where required by law, we will obtain your consent before processing your personal information for specific purposes.

We may collect the following categories of personal information:

• Identity and contact data — name, date of birth, nationality, address, email address, and phone numbers.
• Financial data — account numbers, transaction history, source of funds, employment information, and tax residency details required for account opening and regulatory compliance.
• Technical data — IP address, browser type, device identifiers, session logs, and usage data collected when you access our website or mobile applications.
• Communications — records of correspondence with our support team, complaints, and application status enquiries.

We use personal information to:

• Process account applications and verify your identity.
• Provide banking products, payment services, and customer support.
• Detect, prevent, and investigate fraud, money laundering, and other financial crime.
• Comply with legal and regulatory obligations applicable in the jurisdictions where we operate.
• Improve our website, applications, and security controls.
• Send service-related notices, including changes to terms, security alerts, and application status updates. Marketing communications are sent only where you have opted in.

Depending on your location and the nature of the processing, we rely on one or more of the following legal bases: performance of a contract (providing banking services you request), compliance with legal obligations, legitimate interests (such as fraud prevention and service improvement), and your consent where required.

We do not sell your personal information. We may share information with trusted third parties only where necessary, including:

• Payment networks, correspondent banks, and clearing systems to execute transactions.
• Identity verification and fraud prevention service providers.
• Cloud hosting and technology vendors bound by confidentiality and data protection obligations.
• Regulators, law enforcement, and courts when required by applicable law.
• Professional advisers such as auditors and legal counsel under duty of confidentiality.

Where personal information is transferred outside your country of residence, we implement appropriate safeguards consistent with applicable data protection requirements.

We retain personal information for as long as necessary to provide services, meet regulatory record-keeping requirements, resolve disputes, and enforce our agreements. Retention periods vary by data type and may extend beyond the closure of your account where law requires.

We apply administrative, technical, and physical safeguards to protect personal information, including encryption in transit, access controls, monitoring, and staff training. No method of transmission or storage is completely secure; you are responsible for keeping your login credentials confidential and notifying us promptly of any suspected unauthorised access.

Subject to applicable law, you may have the right to access, correct, delete, or restrict processing of your personal information, to object to certain processing, to withdraw consent, and to receive a copy of your data in a portable format. To exercise these rights, contact us using the details below. We may need to verify your identity before responding.

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If you believe we have collected information from a minor, please contact us so we can take appropriate action.

We may update this Privacy Policy from time to time. Material changes will be posted on this page with an updated effective date. Continued use of our services after changes take effect constitutes acceptance of the revised policy where permitted by law.

For privacy-related questions or requests, contact our Data Protection team at support@thebrcb.com or write to British Royal Caribbean Bank, Privacy Office, P.O. Box 1200, Bridgetown, Barbados. You may also reach our support team through our support page.