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Navigating the Privacy Landscape - Understanding, Securing, and Empowering Users in the Digital Era

Bank of New Innovation Ltd (the “Bank”) respects your privacy and is committed to protecting the privacy of its users. This Privacy Policy (“Privacy Policy”) is designed to help you understand what information we gather, how information is collected, how we use it, what we do to protect it, and to assist you in making informed decisions when using our Service. Unless otherwise indicated below, this Privacy Policy applies to any website that references this Privacy Policy, any Bank website, as well as any data the Bank may collect across partnered and unaffiliated sites.

For purposes of this Agreement, “Service” refers to the Bank’s service which can be accessed via our website at and any other website that we may own and operate and all services we provide. The terms “we,” “us,” and “our” refer to the Bank and its subsidiaries. “You” refers to you as a user of Service.


By accessing our Service, you accept our Privacy Policy and Terms of Use, and you consent to our collection, storage, use and disclosure of your personal information as described in this Privacy Policy. In addition, by using our Service, or services across partnered and unaffiliated sites, you are accepting the policies and practices described in this Privacy Policy. Each time you visit our website, or use the Service, and any time you voluntarily provide us with information, you agree that you are consenting to our collection, use and disclosure of the information that you provide, and you are consenting to receive emails or otherwise be contacted, as described in this Privacy Policy. Whether or not you register or create any kind of account with us, this Privacy Policy applies to all users of the website and the Service.


When you visit our website or use our services, we may collect both “Non-Personal Information” and “Personal Information” about you. “Non-Personal Information” includes information that cannot be used to personally identify you including but not limited to anonymous usage data, profile data, transaction data, financial data, technical data, marketing and communications data, general demographic information we may collect, referring/exit pages and URLs, platform types, preferences you submit and preferences that are generated based on the data you submit and number of clicks. “Personal Information” includes any information that can be used to personally identify you, such as your name, address and email address and includes but is not limited to information you provide when you apply for our products or services and use your account on our website.

Information may be collected directly when you use our Service. You may give us your personal information by completing forms, or by corresponding with us digitally via social media or our web pages, by post, phone, e-mail or otherwise.

In addition, we may also collect, track, use and share information provided to us by your browser or by our mobile application when you view or use the Service including but not limited to information such as the website you came from (known as the “referring URL”), the type of browser you use, the device from which you connected to the Service, the time and date of access, and other information that does not personally identify you. We use this information for, among other things, the operation of the Service, to maintain the quality of the Service, to provide general statistics regarding use of the Service and for other business purposes. We track this information using cookies, or small text files which include an anonymous unique identifier. Cookies are sent to a user’s browser from our servers and are stored on the user’s computer hard drive. Sending a cookie to a user’s browser enables us to collect Non-Personal Information about that user and keep a record of the user’s preferences when utilizing our services, both on an individual and aggregate basis. The Bank may use both persistent and session cookies; persistent cookies remain on your computer after you close your session and until you delete them, while session cookies expire when you close your browser. Persistent cookies can be removed by following your Internet browser help file directions. If you choose to disable cookies, some areas of the Service may not work properly.

We may also collect your data through third party or publicly available sources.


We will use your information when the law allows us to.



In general, we do not sell, trade, rent or otherwise share your Personal Information with third parties without your consent. We may share your Personal Information with vendors and other third-party providers who are performing services for us. In general, the vendors and third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide for us. For example, when you provide us with personal information to complete a transaction, verify your credit card, place an order, arrange for a delivery, or return a purchase, you consent to our collecting and using such personal information for that specific purpose, including by transmitting such information to our vendors (and their service providers) performing these services for us.

However, certain third-party service providers, such as payment processors, have their own privacy policies in respect of the information that we are required to provide to them in order to use their services. For these third-party service providers, we recommend that you read their privacy policies so that you can understand the manner in which your Personal Information will be handled by such providers.

We may also disclose your personal information with third-party service providers and partners who assist us to use the personal data to, for example, support delivery of or provide functionality on the website or services, or to market or promote our goods and services to you.

We may also share your personal information with law enforcement and government agencies, courts, regulators and other third parties where it is necessary to comply with applicable laws or regulations, or to exercise, establish or defend our legal rights. To extent that the law or regulation allows, we will notify you of this type of disclosure.

We may disclose your personal information where we have your consent.

In addition, we may disclose your Personal Information if required to do so by law or if you violate our Terms of Use.

In general, we use Non-Personal Information to help us improve the service and customize the user experience. We also aggregate Non-Personal Information in order to track trends and analyse use patterns of the Service. This Privacy Policy does not limit in any way our use, or disclosure of Non-Personal Information and we reserve the right to use and disclose such Non-Personal Information to our partners, advertisers and other third parties at our sole discretion.


We are committed to the protection of your information and have implemented reasonable measures including industry best practices in order to protect your Personal Information and ensure that such Personal Information is not lost, used, accessed, disclosed, altered or destroyed. However, these measures do not guarantee that your information will not be accessed, disclosed, altered or destroyed by breach of such precautions. We will notify you and any applicable regulator of a breach where we are legally required to do so.

By using our Service, you acknowledge that you understand and agree to assume these risks.


We will retain your Personal Information for as long as necessary to fulfil the purposes that it was collected for, including but not limited to the purpose of satisfying any accounting, legal or regulatory requirements.


In circumstances where we are required by law to collect your personal information, or under the terms of a contract that we have with you and you fail or refuse to provide the requested information, we may not be able to perform the contract we have or are trying to enter into with you. In this case, we may have to terminate our Service or cancel a product that you have with us.


You have the right to:

  1. Request access to your Personal Information.

  2. Request correction of your Personal Information.

  3. Request deletion or destruction of your Personal Information subject to legal and regulatory requirements.

  4. Object to processing of your Personal Information.

  5. Request the transfer of the Personal Information to you or to a third party designated by you.

  6. Withdraw consent at any time.

In exercising any of the above rights, please Contact Us

You have the right at any time to prevent us from contacting you for marketing purposes. When we send promotional communication to a user, the user can opt out of further promotional communications by following the unsubscribe instructions provided in each promotional e-mail. Please note that notwithstanding the promotional preferences you indicate by either unsubscribing or opting out, we may continue to send you administrative emails including, for example, periodic updates to our Privacy Policy.


Our website is hosted by Lightpath IT. Lightpath IT provides us with the online e-commerce platform that allows us to provide the Service to you. Your information, including Personal Information, may be stored through Lightpath IT’s servers. By using the Service, you consent to Lightpath IT’s collection, disclosure, storage, and use of your Personal Information in accordance with Lightpath IT’s privacy policy available at “


As part of the Service, we may provide links to or compatibility with other websites, plug-in sand applications. However, we are not responsible for the privacy practices employed by those websites or the information or content they contain. This Privacy Policy applies solely to information collected by us through the Service. Therefore, this Privacy Policy does not apply to your use of a third-party website accessed by selecting a link via our Service. To the extent that you access or use the Service through or on another website or application, then the privacy policy of that other website or application will apply to your access or use of that site or application. We encourage our users to read the privacy statements of other websites before proceeding to use the mas we are not responsible for their privacy statements.


By using the Service, you represent that you are at least 18 years of age.


The Bank reserves the right to change this Privacy Policy and our Terms of Use at any time. If we decide to change this Privacy Policy, we will post these changes via our websites. Any such modifications become effective with immediate effect upon your continued access to and/or use of the Service after we first post the changes on the website or otherwise provide you with notice of such modifications. It is your sole responsibility to check this website from time to time to view any such changes to the terms of this Privacy Policy. If you do not agree to any changes, if and when such changes may be made to this Privacy Policy, you must cease access to this website. If you have provided your email address to us, you give us permission to email you for the purpose of notification as described in this Privacy Policy.


In the event we undergo a business transaction such as a merger, acquisition by another Company, or sale of all or a portion of our assets, your Personal Information may be among the assets transferred. You acknowledge and consent that such transfers may occur and are permitted by this Privacy Policy, and that any acquirer of our assets may continue to process your Personal Information as set forth in this Privacy Policy. If our information practices change at any time in the future, we will post the policy changes here so that you may opt out of the new information practices. We suggest that you check this Privacy Policy periodically if you are concerned about how your information is used.


We will send you Service-related announcements on occasions when it is necessary to do so. For instance, if our Service is temporarily suspended for maintenance, or a new enhancement is released, which will affect the way you use our Service, we might send you an email. Generally, you may not opt-out of these communications, which are not promotional in nature. Based upon the Personal Information that you provide us, we may communicate with you in response to your inquiries to provide the services you request and to manage your account. We may communicate with you by email or telephone, in accordance with your wishes. We may also use your Personal Information to send you updates and other promotional communications. If you no longer wish to receive those email updates, you may opt-out of receiving them by following the instructions included in each update or communication.


If you have any questions regarding this Privacy Policy or the practices of this Site or wish to withdraw your consent for the continued collection, use or disclosure of your Personal Information, please contact us by sending an email to

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