Legal & compliance

Capitech Bank respects your privacy and is committed to protecting your personal information. This policy explains what we collect, why we collect it, and how we use and safeguard it.

We collect information you provide directly — such as your name, email address, contact details, identification documents and payment information — as well as technical data like IP address, device information and usage patterns, in order to provide, secure and improve our services.

We process personal data to verify your identity, comply with legal and regulatory obligations (including anti-money-laundering and know-your-customer requirements), process transactions, prevent fraud, and communicate with you about your account.

We never sell your personal data. We share information only with service providers who help us operate the platform, with regulators and law enforcement where required by law, and with third parties you explicitly authorise.

You have the right to access, correct, export and delete your personal data, and to withdraw consent where processing is based on consent. To exercise these rights, contact us at the support email listed on our website.

We retain personal data only as long as necessary to fulfil the purposes described in this policy or as required by applicable law. We use encryption, access controls and monitoring to protect your information at rest and in transit.

These Terms of Service govern your access to and use of the Capitech Bank platform. By creating an account or using our services, you agree to be bound by these terms.

You must be at least 18 years old and provide accurate, complete and up-to-date information during onboarding. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account.

Capitech Bank is a software demonstration platform. All services, accounts, balances, cards and transactions are simulated in a sandbox environment and do not constitute real financial services, real money, or a licensed banking offer.

You agree not to use the platform for any unlawful purpose, to attempt to gain unauthorised access, to interfere with the security or operation of the platform, or to submit false or misleading information.

We may suspend or terminate access to the platform at any time, without notice, for conduct that violates these terms or applicable law, or that we reasonably believe poses a risk to the platform or other users.

The platform is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we disclaim all warranties and shall not be liable for any indirect, incidental or consequential damages arising from your use of the platform.

This Cookie Policy explains how Capitech Bank uses cookies and similar tracking technologies when you visit our website or use our applications.

Essential cookies are strictly necessary for the operation of the platform — for example, maintaining your authenticated session and remembering your preferences. These cannot be disabled.

Functional and analytical cookies help us understand how the platform is used so we can improve performance and user experience. They do not identify you personally and are used only in aggregate form.

We use authentication tokens stored as cookies to keep you signed in securely. These tokens are encrypted and scoped to the application domain, and are cleared when you sign out.

You can control or delete cookies through your browser settings. Note that disabling essential cookies may prevent the platform from functioning correctly.

Capitech Bank models its platform on internationally recognised banking standards, including ISO 4217 (currencies), ISO 13616 / IBAN, ISO 20022 (payment messaging) and IFRS-aligned double-entry accounting.

Our onboarding and monitoring workflows reflect standard KYC and AML practices: customer due diligence, identity verification, PEP screening and transaction monitoring are modelled throughout the platform.

Security controls are designed around industry frameworks including PCI-DSS-style card tokenisation, PSD2-style strong customer authentication, and maker–checker approval workflows.

Capitech Bank is a demonstration platform and is not a licensed bank, payment institution or e-money institution. No real financial services are offered and no real funds are held or moved.

This platform does not provide legal, tax or investment advice. If you require regulated financial services, please consult a licensed financial institution in your jurisdiction.