Privacy Policy

1. Introduction & Overview

East Trust Holdings Premier Financial Services ("East Trust Holdings", "we", "our", or "us") is deeply committed to upholding the privacy, confidentiality, and integrity of non-public personal information (NPI) entrusted to us by our account holders, borrowers, and website visitors.

This Privacy Notice delineates the categories of data we gather, our protocols for processing and securing it, and the rights you retain under federal financial statutes, including the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA/CPRA), and relevant regulatory frameworks.

2. Information We Collect

To deliver depository, lending, wealth advisory, and wire settlement services, we collect information from direct submissions, transactional activity, and third-party credit bureaus:

• Identifying Credentials: Legal name, residential address, taxpayer identification numbers (SSN/ITIN/EIN), government identification copies (passport/driver's license), phone numbers, and email addresses.
• Financial & Credit Data: Account balances, wire history, transaction descriptions, credit scores (FICO), annual employment income, debt obligations, and tax documentation.
• Digital Telemetry: IP address, device fingerprints, browser configurations, geographic coordinates, biometric login validation logs, and session timing data.

3. How We Use Your Information

We process your personal information strictly within the bounds of legitimate institutional requirements:

• Originating, servicing, and maintaining checking, savings, loan, and wallet portfolios.
• Verifying customer identity under federally mandated Anti-Money Laundering (AML) and Customer Identification Programs (CIP).
• Analyzing automated risk patterns to detect and mitigate fraudulent activities or unauthorized account takeovers.
• Underwriting credit limits, mortgage terms, and risk-adjusted pricing.
• Complying with binding court orders, regulatory inquiries, and Bank Secrecy Act (BSA) reporting thresholds.

4. Information Disclosure & Sharing

East Trust Holdings never sells, rents, or commercializes your personal information to third-party marketing companies.

Disclosures are executed solely in accordance with statutory authorizations:

• To payment card networks (Visa/Mastercard) and ACH clearing houses to execute your requested transfers.
• To national credit reporting bureaus (Experian, Equifax, TransUnion) to update credit facilities and repay schedules.
• To certified audit, compliance, legal, and regulatory bodies including the FDIC, Federal Reserve, and FinCEN.
• To bonded technology infrastructure vendors under non-disclosure confidentiality covenants.

5. Data Security Standards

East Trust Holdings maintains physical, electronic, and procedural safeguards that exceed federal regulatory thresholds:

• 256-bit Advanced Encryption Standard (AES) at rest for all database volumes.
• TLS 1.3 cryptographic protocols across all client sessions and API transport endpoints.
• Multi-factor biometric and physical token challenges for high-value financial actions.
• Continuous penetration testing, ethical hacking assessments, and 24/7 SOC perimeter monitoring.

6. Your Privacy Rights & Opt-Outs

Depending on your state or national residency, you may exercise legal rights regarding your personal records:

• The right to request disclosure of categories and specific pieces of personal data held.
• The right to mandate rectification of outdated or erroneous records.
• The right to opt out of promotional non-transactional communications.

7. Cookies & Tracking Technologies

Our digital banking application uses strict session cookies essential for cryptographic state preservation and fraud prevention. You may alter cookie preferences within your client browser, though disabling essential security tokens may preclude entry into authenticated banking areas.

8. Privacy Officer Contact Details

If you have questions, complaints, or seek to submit a verified privacy request under applicable law, contact our Office of the Privacy Officer: