Privacy Policy

We collect information necessary to create and manage your Novera Bank account, provide banking services, protect your account and comply with applicable legal and regulatory obligations.

The information we may collect includes:

• Personal identification information, including your name, date of birth, nationality and country of residence.
• Contact information, including your email address, telephone number and residential address.
• Identity verification information, including identity documents, photographs and verification results.
• Financial information, including account balances, transaction history, payment information and loan details.
• Technical information, including your IP address, device, browser, operating system and security logs.
• Communications you send to our customer support or compliance teams.

We use your information only where necessary to operate, secure and improve Novera Bank services.

• Create, verify and maintain your account.
• Process deposits, withdrawals and transfers.
• Review loan applications and manage repayments.
• Issue and manage virtual or physical payment cards.
• Verify your identity and complete compliance checks.
• Detect and prevent fraud, misuse and unauthorized access.
• Send transaction, security and service notifications.
• Respond to customer support requests.
• Meet legal, regulatory and reporting requirements.

Depending on the service and your location, we process personal information based on one or more lawful grounds.

• Performance of a contract when information is required to provide your account and banking services.
• Compliance with legal obligations, including identity, anti-fraud and financial crime requirements.
• Legitimate interests in securing, maintaining and improving our services.
• Your consent where consent is specifically required.

We do not sell your personal information. We may share limited information with trusted service providers and authorized parties where necessary.

• Payment and banking infrastructure providers.
• Identity verification and compliance providers.
• Technology, hosting, storage and security providers.
• Communication and customer support providers.
• Regulators, courts or public authorities where disclosure is legally required.
• Professional advisers, including legal, audit and compliance advisers.

All service providers are expected to protect your information and use it only for authorized purposes.

We use administrative, technical and organizational safeguards designed to protect your personal information against loss, misuse, unauthorized access, alteration or disclosure.

These measures may include encryption, access controls, monitoring, secure sessions, authentication controls and security logging.

We retain your personal information only for as long as necessary to provide services, maintain records, resolve disputes, prevent fraud and meet legal or regulatory requirements.

Retention periods may vary depending on the type of information, the service involved and applicable legal obligations.

Depending on your country and applicable law, you may have the right to:

• Request access to your personal information.
• Request correction of inaccurate information.
• Request deletion of certain personal information.
• Request restriction of certain processing activities.
• Object to certain uses of your information.
• Request a portable copy of eligible information.
• Withdraw consent where processing is based on consent.
• Submit a complaint to an applicable data authority.

Some requests may be limited where we must retain or process information to comply with legal, security or regulatory obligations.

We may use cookies and similar technologies to keep you signed in, protect your session, remember preferences, understand service performance and improve your experience.

Essential cookies may be required for authentication, security and core application functions.

Novera Bank serves customers across Europe, North America and Asia. Your information may therefore be processed in countries other than your country of residence.

Where required, we use appropriate safeguards intended to protect personal information during international transfers.

We may update this Privacy Policy when our services, legal obligations or data practices change.

When changes are significant, we may notify you through the application, by email or through another appropriate channel. The latest version will always be available on this page.