HOMEPAGE

Website Terms of Use
By using this website, you are agreeing to comply with and be bound by the following terms of use, which together with our privacy policy govern MPB Bank Ltd.'s relationship with you in relation to this website. If you disagree with any part of these terms of use, then, do not use our website. The term 'MPB' or 'us' or 'we' refers to the owner of the website whose registered office is Ground Floor, Dental Arts Clinic Building, Arnos Vale, Box Suite K090, Halifax Street, St. Vincent & the Grenadines. MPB is register in in St. Vincent & the Grenadines with a company registration number of 24008 IBC 2017. The term 'you' refers to the user or viewer of our website. The use of this website is subject to the following terms of use:
• The content of this website is for your general information and use only. It is subject to change without notice.
• Neither we nor any other party provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or on this website for any particular purpose. You acknowledge that such information may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
• Your use of any information on this website is entirely at your own risk, for which we shall not be liable. It shall be your responsibility to ensure that any information available through this website meet your specific requirements.
• This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, appearance, our logo and graphics.
• Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
• Unauthorised use of this website may give rise to a claim for damages.
• This website may also include links to other websites. These links are provided for your convenience for further information. We are not responsible for and we do not endorse linked website(s). We are not liable for the content of the linked website(s).
• Your use of this website any legal matters is subject to the laws of St. Vincent & the Grenadines.
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Privacy Policy

Welcome to MPB Bank Ltd., registered in St. Vincent and Grenadines, company number 24008 BC 2027, with its registered office at Ground Floor, Dental Arts Clinic Building, Arnos Vale, St. Vincent and the Grenadines (“MPB”/ “we”/ “our”/ “us”).  We take your privacy very seriously.

This privacy policy sets out the basis on which we process any personal data we collect from you, that you provide to us through your use of our websites (including https://mpbbvc.com/) (the “Website”), or that you otherwise provide to us. 

The Website may include links to third-party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our Website, we encourage you to read the privacy policy of every website you visit.

The Website is not intended for children under the age of 16, and we do not knowingly collect data relating to children under the age of 16. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us.
 

TOPICS COVERED:

  • DATA WE COLLECT FROM YOU OR ABOUT YOU

  • HOW YOUR PERSONAL DATA IS COLLECTED

  • HOW WE USE YOUR PERSONAL DATA

  • PURPOSE AND LEGAL BASIS FOR PROCESSING YOUR PERSONAL DATA

  • DISCLOSURE OF YOUR PERSONAL DATA

  • WHERE WE STORE YOUR PERSONAL DATA

  • SECURITY

  • RETAINING PERSONAL DATA

  • YOUR LEGAL RIGHTS

  • CHANGES TO THIS PRIVACY POLICY

  • HOW TO CONTACT US

Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).

DATA WE COLLECT FROM YOU OR ABOUT YOU AND OUR SOURCES OF THAT DATA

We may collect, use, store and transfer different kinds of personal data from you which we have grouped together as follows:

  • Identity Data includes first name, last name, company/organisation, date of birth, passport information, and similar identification information.

  • Contact Data includes postal address, billing address, delivery address, email address and telephone numbers.

  • Financial Data includes banking details.

  • Transaction Data includes details about payments sent and received and other details of services received from us.

  • Technical Data includes internet protocol (IP) address, login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices used to access the Website.

We may collect certain Special Categories of Personal Data (as defined under GDPR) as part of our due diligence process or through a background investigation.  Such data shall be used only as permitted under applicable law and only for the purpose for which it was obtained.

If you fail to provide personal data

Where we need to collect personal data by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide goods or services). In this case, we may have to cancel a service you have with us, but we will notify you if this is the case at the time.
 

HOW YOUR PERSONAL DATA IS COLLECTED

We use different methods to collect data from and about you including through:

  • Direct interactions.  You may give us personal data by filling in forms or documents or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:

    • request or use our services;

    • apply for a position with us;

    • give us feedback or contact us, including via third party products or services.

  • Third parties or publicly available sources. We may collect personal data about you from third parties (e.g., a background check).

  • Automated technologies or interactions. As you interact with our website, we will automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. We may also receive Technical Data about you if you visit other websites employing our cookies.

HOW WE USE YOUR PERSONAL DATA
We will only use personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

  • Where we need to perform the contract we are about to enter into or have entered into with you.

  • Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.

  • Where we need to comply with a legal obligation.

  • Where we have your consent to do so.

We may rely on any of the following lawful basis when we process your data:

  • Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best service and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us.

  • Performance of Contract means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract.

  • Comply with a legal obligation means processing your personal data where it is necessary for compliance with a legal obligation that we are subject to.

  • Consent means that we will process your personal data with your consent for a specific purpose, e.g., to receive marketing emails.  You have the right to withdraw consent at any time by contact us as set forth in this policy. We will always get your consent before sending third party direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us.

PURPOSE AND LEGAL BASIS FOR PROCESSING YOUR PERSONAL DATA

We have set out below a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.
Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out below:

Purpose of Processing: To process any service you request directly with us.

Type of personal data:

Identity.
Contact.
Financial.
Transaction.

legal basis for processing  
Performance of a contract.
Necessary for our legitimate interests
Consent

Purpose of Processing: To process your employment application.

Type of personal data

Identity.
Contact.

legal basis for processing

Necessary for our legitimate interests

Purpose of Processing: To manage our relationship with you, including
dealing with any enquiries, correspondence, concerns or complaints you have raised with us;
notifying you about changes to our terms and conditions and privacy policy.

Type of personal data

Identity.
Contact.

legal basis for processing

Performance of a contract.
Necessary to comply with a legal obligation.
Necessary for our legitimate interest – to enable us to keep our records updated, and to better understand our customers, and to grow our business.

Purpose of Processing: To administer and protect our business and the Website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data).

Type of personal data

Identity.
Contact.
Technical.

legal basis for processing

Necessary for our legitimate interests – for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise.
Necessary to comply with a legal obligation.

Purpose of Processing: To use data analytics to improve our website, services, customer relationships and experiences.

Type of personal data

Technical.

legal basis for processing

Necessary for our legitimate interest – to understand our customers better, keep the Website updated and relevant.

Where we have a legal basis to use your personal data without consent (as we have described above), this policy fulfils our duty to process personal data fairly and lawfully and in a manner that you would expect given the nature of our relationship with you, by giving you appropriate notice and explanation of the way in which your personal data will be used.

Where consent is required for our use of your personal data, by ticking the appropriate consent box or otherwise communicating your consent, you consent to our use of that personal data for the purposes covered by the specific consent that you have given.

We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.
If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.

Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

DISCLOSURE OF YOUR PERSONAL DATA
We may share your personal data with selected third parties in accordance with this policy, including:

  • with the operator of our Website;

  • with our partners, but only if you have consented to this and then only to those of our partners for whom you have given consent.

  • service providers (for example, IT services or CRM services), business partners, suppliers and sub-contractors for the performance of any contract we enter into with you;

  • professional advisers acting as processors or joint controllers including lawyers, bankers, auditors and insurers who provide consultancy, banking, legal, insurance and accounting services;

  • government or other law enforcement agencies, in connection with the investigation of unlawful activities or for other legal reasons; or

  • a third party where all or substantially all of our assets are acquired by such third party, in which case personal data held by us, including your personal data, will be one of the transferred assets (however, we will let you know before this happens).

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

WHERE WE STORE YOUR PERSONAL DATA
Many of our external third parties are based outside the EU and UK so their processing of your personal data may involve a transfer of data outside the EU and UK.

Whenever we transfer your personal data out of the EU and UK, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:

  • We will only transfer your personal data to countries that have been deemed to provide an adequate level of protection for personal data.

  • Where we use certain service providers, we may use specific contracts approved for use in the UK which give personal data the same protection it has in the UK.

SECURITY
We have put in place appropriate security measures that are designed to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

Where you have chosen (or we have given you) access details and/or a password which enable you to access your Website profile, you are responsible for keeping these access details and password confidential. We ask you not to share your access details and password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Accordingly, we cannot guarantee the security of your data transmitted to the Website and you acknowledge that any transmission is at your own risk.

RETAINING PERSONAL DATA

We will only retain your personal data for as long as necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, regulatory, tax, accounting, or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you. To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting, reporting or other requirements.

In some circumstances we may anonymise your personal data so that it can no longer be associated with you, in which case we may use such information without further notice to you.

Even if you request that we erase your data, we may still need to keep it (please see below) or may keep it in a form that doesn’t identify you. 

YOUR LEGAL RIGHTS UNDER THE GDPR

If you are an EU or UK resident, under GDPR, you have the following rights regarding your personal data:

  • Access. You have the right to access data we hold about you (commonly known as a "data subject access request"). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.

  • Correction. You have the right to request that we rectify any personal data that we hold about you (unless we have the legal right to retain it). This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.

  • Erasure. You have the right to request that we delete personal data that we hold about you. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request

  • Restriction.  You also have the right to restrict us from processing your personal data in the following scenarios:

    • If you want us to establish the data's accuracy.

    • Where our use of the data is unlawful but you do not want us to erase it.

    • Where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims.

    • You have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it.

  • Data portability. You have the right to obtain personal data we hold about you. We will provide to you, or a third party you have chosen, your personal data, in a structured, commonly used, machine-readable format. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.

  • Object /change of preferences. You have a right to request that we stop processing your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.

  • Withdraw consent at any time. You have a right to request that we stop processing your personal data where we are relying on consent. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain services to you. We will advise you if this is the case at the time you withdraw your consent.

  • Complaints. If for any reason you are not happy with the way that we have handled your personal data, please contact us. If you are in the UK and are still not happy, you have the right to make a complaint to the Information Commissioner’s Office, the UK regulator for data protection issues (www.ico.org.uk).

Please note that if you ask us to stop processing your personal data in certain ways or erase your personal data, and this type of processing of data is needed to facilitate your use of the Website or the provision of services to you, you may not be able to use the Website or receive services from us as you did before. This does not include your right to object to direct marketing, which can be exercised at any time without restrictions. Please allow at least ten working days for your request to be actioned.

You will not have to pay a fee to access your personal data (or to exercise any of the other rights).

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

Please note that the rights mentioned above do not extend to non-personal data.

If you would like to exercise any of the rights mentioned above, please contact us at privacy@mpbbvc.com.

Changes to OUR privacy policy

Any changes we make to our privacy policy in the future will be posted on this page, and where appropriate may be notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy policy.

Continued use of any Website or one of our other events will signify that you agree to such changes.


HOW TO CONTACT US
Questions, comments and requests regarding our privacy policy are welcomed and should be submitted to privacy@mpbbvc.com.

Please also contact us if you would like to know more about our data processing activities, to update or amend any of your personal data which you have provided to us or if you believe our records relating to your personal data are incorrect.

Our privacy policy was last updated on January 13, 2025.