Legal
Privacy Policy
How we collect, use, and protect your information.
Effective Date: January 1, 2026 | Last Updated: March 1, 2026
GrowBanq ("GrowBanq," "we," "us," or "our"), a subsidiary of UCNE, is committed to protecting the privacy and security of your personal and business information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website (growbanq.com), use our services, or otherwise interact with us.
1. Information We Collect
Personal Information
When you apply for our services, contact us, or use our website, we may collect the following types of personal information:
- Identity Information: Full name, date of birth, Social Security Number (or Tax Identification Number), government-issued identification
- Contact Information: Email address, mailing address, phone number
- Business Information: Business name, EIN, business address, industry type, years in operation, annual revenue, number of employees
- Financial Information: Bank account details, bank statements, credit score data, existing debts and obligations, payment processing transaction data
- Application Information: Funding amount requested, intended use of funds, business financial projections
Automatically Collected Information
When you visit our website, we automatically collect certain information, including:
- IP address and geographic location
- Browser type and version
- Device type and operating system
- Pages visited, time spent, and navigation paths
- Referring URLs and search terms
- Cookies and similar tracking technologies
2. How We Use Your Information
We use the information we collect for the following purposes:
- Service Delivery: To process your applications, underwrite loans, facilitate payment processing, and provide customer support
- Identity Verification: To verify your identity and prevent fraud, in compliance with applicable laws and regulations
- Credit Assessment: To evaluate your creditworthiness and determine eligibility for our financial products (including soft credit inquiries that do not affect your credit score)
- Communications: To send you service-related notifications, updates about your application or account, and respond to your inquiries
- Improvement: To analyze usage patterns, improve our website and services, and develop new products
- Legal Compliance: To comply with applicable laws, regulations, legal processes, and governmental requests
- Marketing: With your consent, to send promotional materials about our products and services. You may opt out at any time.
3. How We Share Your Information
We do not sell your personal information. We may share your information with the following categories of third parties:
- Lending Partners: When matching you with financing options, we may share your application information with our network of vetted lending partners
- Payment Processors: Transaction data is shared with payment networks and card brands as necessary to process transactions
- Credit Bureaus: We may share information with or obtain information from credit reporting agencies for underwriting purposes
- Service Providers: Third-party vendors that provide services on our behalf, such as cloud hosting, analytics, fraud prevention, and customer support, subject to contractual obligations to protect your data
- Parent Company: We may share information with our parent company, UCNE, for operational and compliance purposes
- Legal Requirements: When required by law, subpoena, court order, or regulatory authority
- Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets
4. Data Security
We implement industry-standard security measures to protect your information, including:
- 256-bit SSL/TLS encryption for all data in transit
- AES-256 encryption for data at rest
- PCI DSS Level 1 compliance for payment data
- Regular security audits and penetration testing
- Employee access controls and training
- Multi-factor authentication for internal systems
While we take every reasonable precaution to protect your data, no method of transmission or storage is 100% secure. We cannot guarantee absolute security of your information.
5. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with our legal obligations, resolve disputes, and enforce our agreements. Financial records are retained in accordance with applicable regulations, which generally require a minimum of 5–7 years.
6. Your Rights and Choices
Depending on your jurisdiction, you may have the following rights:
- Access: Request a copy of the personal information we hold about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information, subject to legal and contractual exceptions
- Opt-Out: Opt out of marketing communications at any time by clicking "unsubscribe" in our emails or contacting us directly
- Do Not Sell: We do not sell personal information. If you are a California resident, you may submit a "Do Not Sell" request per the CCPA
- Portability: Request your data in a portable format where technically feasible
To exercise any of these rights, please contact us at info@growbanq.com.
7. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience, analyze website traffic, and personalize content. Types of cookies we use include:
- Essential Cookies: Required for basic website functionality
- Analytics Cookies: Help us understand how visitors interact with our website
- Preference Cookies: Remember your settings and preferences
You can manage cookie preferences through your browser settings. Disabling certain cookies may affect website functionality.
8. Third-Party Links
Our website may contain links to third-party websites, including our parent company UCNE (ucne.bz). We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party site you visit.
9. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn we have collected information from a child under 18, we will promptly delete it.
10. California Privacy Rights (CCPA/CPRA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information is collected, request deletion, and opt out of the sale of personal information. GrowBanq does not sell personal information.
11. International Transfers
As a subsidiary of UCNE, a credit union based in Brazil, certain operational data may be shared internationally. When we transfer data across borders, we implement appropriate safeguards including contractual protections and encryption to ensure your information remains protected in compliance with applicable data protection laws.
12. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will post the updated policy on this page with a revised "Last Updated" date. Material changes will be communicated via email or prominent website notice.
13. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us:
GrowBanq
Email: info@growbanq.com
Website: growbanq.com
GrowBanq is a subsidiary of UCNE, a leading credit union in Brazil. For more information about our parent organization, visit ucne.bz.