Privacy Policy

Update; Effective Date: August 2025

At First Caribbean International Bank and Trust (FCIBT), your privacy and security are our top priorities. We are committed to protecting the confidentiality of your personal, financial, and transactional information while providing seamless offshore banking, trust, refund processing, and investment services.

1. Information We Collect

We collect information to provide and improve our services, including:

• Personal Information: Name, contact details, date of birth, nationality, and identification documents.

• Financial Information: Account numbers, transaction history, multi-currency balances, investment and fund details.

• Refund & Payment Details: Transaction references, invoices, or other documentation required for processing international and domestic refunds.

• Digital Information: IP address, device information, and online banking activity for secure access and fraud prevention.

2. How We Use Your Information

Your information is used solely for providing, managing, and improving our financial services:

• Account Management: Opening, maintaining, and monitoring your domestic and international accounts.

• Refund Processing: Ensuring accurate, timely, and compliant handling of all refunds.

• Trust and Fund Administration: Managing trusts and funds while safeguarding assets and complying with regulations.

• Compliance and Security: Meeting CIMA, anti-money laundering (AML), and international banking standards.

• Client Support: Responding promptly to inquiries and providing personalized relationship management.

3. Information Sharing

We respect your privacy and share information only when necessary:

• Regulatory Authorities: Sharing data with Cayman Islands Monetary Authority (CIMA) or other authorized regulators as required by law.

• Service Providers: Collaborating with trusted partners for payment processing, refunds, IT, and cybersecurity support.

• Legal Requirements: Disclosing information in response to lawful requests, legal proceedings, or fraud investigations.

4. Data Security

FCIBT uses industry-leading security measures to protect your information:

• Encryption: All online banking and transaction data are encrypted using advanced protocols.

• Access Controls: Strict internal controls ensure only authorized personnel can access sensitive data.

• Regular Audits: Continuous monitoring and audits maintain compliance and data integrity.

5. Refund-Specific Privacy

When processing refunds, we handle all documentation and transaction details with utmost confidentiality:

• Verification procedures are conducted securely.

• Refunds are processed through protected banking channels.

• Clients receive notifications without exposing sensitive information externally.

6. Your Rights

You have the right to:

• Access and review your personal information.

• Request correction of inaccurate data.

• Withdraw consent for certain data processing, where legally applicable.

• Ask for details on how your data is used and shared.

7. Cookies and Digital Tracking

Our website may use cookies to improve user experience, personalize services, and enhance security. No personal financial information is collected through cookies.