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Privacy Policy

Effective date: August 3, 2026 Last updated: August 3, 2026

This Privacy Policy explains how First ChatBank ("First ChatBank," "we," "us," or "our") handles information when you use our websites, applications, and related services (the "Service").

Information we collect

We may collect:

  • Account information, such as your name, email address, authentication identifiers, and account preferences.
  • Content you provide, including chat messages, uploaded files, onboarding information, support requests, and transaction instructions submitted through the Service.
  • Usage and device information, such as IP address, browser type, device information, pages viewed, feature interactions, timestamps, and diagnostic logs.
  • Cookies and similar technologies needed for authentication, security, preferences, and analytics. See our Cookie Policy.

Please avoid submitting information that is not needed for your request. Do not share passwords, full payment-card numbers, or other authentication secrets through chat.

How we use information

We use information to:

  • provide, personalize, maintain, and secure the Service;
  • authenticate users and manage accounts;
  • process requests and generate AI-assisted responses;
  • detect abuse, fraud, and technical problems;
  • analyze and improve reliability, usability, and product performance;
  • communicate about the Service and respond to support requests; and
  • comply with law and enforce our agreements.

AI processing and service providers

Information you submit may be processed by vendors that help us operate the Service, such as authentication, cloud hosting, database, file-storage, analytics, communications, and artificial-intelligence providers. These providers may process information only for the services they supply to us and under their own contractual and legal obligations.

AI-generated responses can be inaccurate. Review important financial information and instructions before relying on them.

When we disclose information

We may disclose information:

  • to service providers working on our behalf;
  • when you direct us to share it or connect a third-party service;
  • to protect users, the Service, or the public from fraud, abuse, or security threats;
  • when required by law, legal process, or a valid government request; or
  • as part of a merger, financing, acquisition, reorganization, or sale of assets, subject to appropriate protections.

We do not sell personal information for money. We do not use sensitive financial or chat content for third-party targeted advertising.

Data retention and security

We retain personal information only as long as reasonably necessary to provide the Service, meet legal and operational requirements, resolve disputes, and enforce agreements. Retention periods vary by data type and account status. You may request account or data deletion, subject to legal and security exceptions.

We use administrative, technical, and organizational safeguards designed to protect information. No system is completely secure, so please use a strong, unique password and promptly report suspected unauthorized access. More information is available on our Security page.

Your choices and rights

Depending on where you live, you may have rights to access, correct, delete, or receive a copy of your personal information, or to object to or restrict certain processing. You may also manage cookies in your browser and opt out of non-essential communications.

To make a privacy request, email hello@firstchatbank.com. We may need to verify your identity before completing the request.

International transfers

We and our providers may process information in countries other than the one where you live. Where required, we use recognized safeguards for international transfers.

Children

The Service is not directed to children under 18, and we do not knowingly collect personal information from children under 18.

Changes to this policy

We may update this policy as the Service or applicable law changes. We will post the revised policy here and update the date above. We will provide additional notice when required by law.

Contact

Questions or requests about this policy can be sent to hello@firstchatbank.com.