Terms of Service

Last updated: 26 September 2026

This document is available in French and Spanish on request. Contact support@crownanchor.bank.

These Terms of Service ("Terms") govern your access to and use of the Crown & Anchor Bank digital banking platform, website, mobile applications and any related services (collectively, the "Services"). By opening an account or using the Services you agree to be bound by these Terms.

1. Account Opening

You confirm that all information you provide during the application process is true, accurate and complete. Crown & Anchor Bank reserves the right to:

• Verify your identity, income, address and source of funds before activating the account.
• Request additional documentation at any time.
• Decline the application, without stating a reason, where permitted by law.

2. Anti-Money Laundering (AML) & Counter-Terrorist Financing (CTF)

You agree that Crown & Anchor Bank may perform sanctions screening, Politically Exposed Person (PEP) checks, and ongoing transaction monitoring against:

• The UN Consolidated List
• The US OFAC Specially Designated Nationals (SDN) List
• The EU Consolidated List
• The UK HMT Sanctions List
• Any other applicable list required by the jurisdictions in which the bank operates.

You agree to provide supporting documentation for any deposit, transfer or withdrawal upon request. Failure to do so may result in temporary suspension of your account while the matter is reviewed.

3. Electronic Communications

You consent to receive all statements, notices, disclosures and legal communications electronically to the email address you provided. You may withdraw this consent at any time by contacting support@crownanchor.bank, but doing so may result in the closure of your account.

4. Deposits, Transfers and Fees

All deposits and transfers are subject to review by our operations desk. International transfers are debited at the FX rate and fee shown at the time of submission. Completed internal transfers are final and can only be reversed by our operations team at their discretion — for example in cases of fraud, error or regulatory requirement.

5. Data Protection & Privacy

Your personal data will be processed in accordance with our Privacy Policy. We may share your data with regulators, law enforcement, credit reference agencies and third-party service providers as required to operate your account or comply with the law.

6. Security

You are responsible for keeping your login credentials confidential. You agree to notify us immediately if you suspect any unauthorised access to your account or if your password has been compromised.

7. Governing Law

These Terms are governed by the laws of the Cayman Islands. Any dispute will be resolved in the courts of that jurisdiction unless otherwise required by applicable consumer-protection legislation.

8. Changes to These Terms

We may update these Terms from time to time. We will notify you by email at least 30 days before any material change takes effect. Continued use of the Services after that date constitutes acceptance of the revised Terms.

9. Contact

For any questions about these Terms, contact us at support@crownanchor.bank or write to: Crown & Anchor Bank, One Harbour Place, 4th Floor, George Town, Grand Cayman KY1-1102, Cayman Islands.

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Privacy Policy

Last updated: 26 September 2026

This document is available in French and Spanish on request. Contact support@crownanchor.bank.

Crown & Anchor Bank ("we", "us", "our") is committed to protecting the privacy of our clients. This Privacy Policy explains what personal data we collect, how we use it, who we share it with, and what rights you have over it.

1. Information We Collect

We collect the following categories of personal data:

• Identity data — first name, middle name, last name, date of birth, gender, nationality.
• Contact data — email address, mobile number, residential address, country of residence.
• Financial data — account number, transaction history, balances, investment holdings.
• Compliance data — PEP status, sanctions screening results, source-of-funds documentation.
• Technical data — IP address, browser type, device information, login timestamps.

2. How We Use Your Data

We use your personal data to:

• Open, operate and secure your account.
• Process deposits, transfers, trades and other transactions.
• Comply with anti-money-laundering, sanctions and other legal obligations.
• Detect and prevent fraud, unauthorised access and abuse.
• Send you statements, notices and (where you have opted in) marketing communications.

3. Legal Bases for Processing

We process your data on the following legal bases:

• Contract — to provide the banking services you have signed up for.
• Legal obligation — to comply with AML, CTF, tax and regulatory requirements.
• Legitimate interests — to prevent fraud, secure our platform and improve our services.
• Consent — for marketing communications and non-essential cookies, which you may withdraw at any time.

4. Who We Share Your Data With

We may share your personal data with:

• Regulators, tax authorities and law enforcement, where required by law.
• Sanctions screening and identity verification providers acting on our behalf.
• Payment networks, correspondent banks and SWIFT for the execution of transfers.
• Cloud infrastructure providers that host our platform under strict data-processing agreements.

We do not sell your personal data to third parties.

5. International Transfers

Because we operate globally, your data may be transferred to and processed in countries outside your own. Where we transfer personal data out of the European Economic Area (EEA) or the United Kingdom, we rely on the European Commission's Standard Contractual Clauses or an equivalent legal mechanism.

6. How Long We Keep Your Data

We retain your personal data for as long as your account is open, and for at least five (5) years after closure, in line with AML and record-keeping requirements. Certain records may be retained longer if required by tax or other applicable law.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate or incomplete data.
• Request deletion of your data, where no legal obligation requires us to keep it.
• Object to or restrict certain processing.
• Receive your data in a portable, machine-readable format.
• Lodge a complaint with your local data-protection authority.

To exercise any of these rights, contact us at privacy@crownanchor.bank.

8. Cookies and Tracking

We use cookies and similar technologies to keep you signed in, remember your language preference and understand how the platform is used. For more details, see our Cookie Policy.

9. Security

We protect your data using 256-bit TLS encryption in transit, encryption at rest, two-factor authentication and continuous monitoring. No system is 100% secure — if you suspect any compromise, contact us immediately.

10. Contact Us

For any privacy-related questions, contact our Data Protection Officer at privacy@crownanchor.bank or write to: Crown & Anchor Bank, One Harbour Place, 4th Floor, George Town, Grand Cayman KY1-1102, Cayman Islands.

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