Chapter Bank | Privacy Policy

1. Who We Are

Chapter Bank Limited ('Chapter Bank', 'we', 'us', 'our') is a Class A licensed offshore bank incorporated in the Commonwealth of Dominica.1.1. These Terms of Use (“Terms”) govern your access to and use of the Chapter Bank website (“Website”), online banking platform, mobile application (“App”), and any associated digital interfaces or services (collectively, the “Platform”).

Legal Name: Chapter Bank Limited
Registered Address: Michael Douglas Boulevard, Portsmouth, Commonwealth of Dominica
‍Regulator: Financial Services Unit (FSU), Ministry of Finance, Commonwealth of Dominica
‍Banking Licence: Class A Full Offshore Banking Licence -- Approved 9 April 2025
‍Licence Number: 2025/C0061
‍Data Contact: [email protected]

2. What Information We Collect

Information you give us directly:
+ Your full name, date of birth, nationality and identity document number
+ Contact details: email address, phone number and home address
+ Financial details: bank account information, where your money comes from and transaction history
+ For businesses: company name, registration number, ownership details and regulatory licences
+ Any messages, complaints or support requests you send us

Collected automatically when you visit our website:
+ Your IP address, browser type, which pages you visited and how long you spent on them
+ Cookie data -- see our Cookie Policy for full details
+ From third parties: Identity verification from SumSub (our KYC provider)
+ Sanctions and screening results from Comply Advantage

3. Why We Use Your Information

To open your account: We need your identity documents to meet our legal KYC obligations
‍To provide banking services: To process your payments and manage your account
To comply with AML laws: We are legally required to monitor transactions for suspicious activity
‍To prevent fraud: To protect you and the bank from financial crime
‍To report to regulators: We must report to the FSU Dominica as required by law
‍For marketing (opt-in only): Only if you have given us permission -- you can opt out at any time
‍For waitlist management: To process your early access application and contact you at launch

4. How Long We Keep Your Data

Identity documents and KYC records: 7 years from when you stop being a customer (required by law)
Transaction records: 7 years
Customer support messages: 5 years
Waitlist sign-ups: up to 24 months or until you open an account

5. Who We Share Your Data With

SumSub -- our identity verification partner
Comply Advantage -- our fraud and sanctions screening partner
Correspondent banks -- to process your international payments
The FSU Dominica regulator -- for required regulatory reports
Law enforcement -- only when required by law or court order

We do not sell, rent or share your personal data with advertisers or third-party marketers.

6. Your Rights

Access: Ask for a copy of the data we hold about you. Free. Response within 30 days.
‍Correct: Ask us to fix any inaccurate information.
‍Delete: Ask us to delete your data. Note: KYC and transaction records must be kept 7 years by law.
‍Portability: Receive your data in a file to take to another provider.
‍Object: Stop us using your data for marketing at any time.

To exercise any of these rights: [email protected]

7. Security, Children, Contact

Security: AES-256 encryption, secure TLS connections, multi-factor authentication, 24/7 monitoring
Children: Our services are for people aged 18 and over only

Contact: Chapter Bank Limited, Michael Douglas Boulevard, Portsmouth, Commonwealth of Dominica | [email protected]

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© 2026 Chapter Bank Limited. All rights reserved. Chapter Bank Limited is authorised and regulated by the Financial Services Unit (FSU) of the Ministry of Finance, Commonwealth of Dominica, under the Offshore Banking Act 1996 and 1997. Company No: 2025/C0061. Michael Douglas Boulevard, Portsmouth, Dominica.