The Cullen National Financial Story
The financial institution was founded to help bridge the much needed financing gap betweeen small businesses and growth capital. Our team of finance professionals with over a decade of experience brings something very unique combined with our world class technology solutions to help provide affordable, efficient and result oriented financial services.
Cullen National Bank is a member of Cypress Financial Technology Limited, a company duly registered.Our investment professionals invest savers funds in financial instruments and manage the investments to ensure optimum return.
To ensure security of savers funds, assets are jointly held by Charles Schwab, a company authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. These assets are marked to market periodically to ensure savers are protected.
These Terms and Conditions describe to you in full detail the terms and conditions which you must accept without restrictions or objections before using our Services.
Before You use our services and before a member of Cullen National Bank, You must fully understand and agree to all the terms and conditions expressly explained and/or implied hereto by reference. Notwithstanding anything to the contrary, by continuing to use our Services you are implying that you have read these Terms and Conditions and have unconditionally accepted without reservation the Terms and Conditions in their entirety. These Terms and Conditions were published on and last updated on November 25th, 2021. You should print a copy of these Terms and Conditions for your references.
These Terms and Conditions cover the entire scope of Services provided by Cullen National including, but not limited to, the use of our website and/or applications, the use of our banking services, data collection and storage practices (as fully described in Our Privacy Policy below, downloadable materials from our website, financial information published on our website (either by Us or by any affiliated party), electronic content, real-time information about the exchange rate of some currencies, tools for executing transactions in the foreign exchange market on the internet, by phone or fax and any other features, content or services that We may add in the future. These Terms and Conditions cover any form of communication between Us and You including email, telephone, fax, and any other means of communication we agree.
When using our services, you are agreeing to use the financial management service of Cullen National to ensure safety and transparency in every transaction carried out by the platform to every cooperator.
When using our services, an urgent account verification will be required when you receive or attempt to send money above your account limits.
While we are permitted under our license to provide financial advisory services, We do not provide investment advice, nor provide any personalized investment recommendations and/or advise you on the merits of any investments, either with respect to any of our service. We may elect to make financial advisory services available at our sole discretion.
Last Updated on November 25th, 2021
At Cullen National Bank, accessible from golden-horizon.net, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by Cullen National and how we use it.
If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us.
This Privacy Policy applies only to our online activities and is valid for visitors to our website with regards to the information that they shared and/or collect in Cullen National Bank. This policy is not applicable to any information collected offline or via channels other than this website.
This policy belongs to Cullen National Bank Inc. (hereafter "the Company") and sets out the different areas where user privacy is concerned and outlines the obligations and requirements of the users, the website and website owners. Furthermore, the way this website processes, stores and protects the user data and information will also be detailed within this policy.
By using our website, you hereby consent to our Privacy Policy and agree to its terms.
This website and its owners take a proactive approach to user privacy and ensure the necessary steps are taken to protect the privacy of its users throughout their visiting experience. This Policy applies to existing, former or prospective clients as well as to any visitors on the Company's website(s). The company does its utmost to ensure that the privacy, confidentiality and security of its clients are preserved both throughout their interactions with the company and afterwards, to the fullest extent achievable by the company.
The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point we ask you to provide your personal information.
If you contact us directly, we may receive additional information about you such as your name, email address, phone number, the contents of the message and/or attachments you may send us, and any other information you may choose to provide.
When you register for an Account, we may ask for your contact information, including items such as name, company name, address, email address, and telephone number.
We use the information we collect in various ways, including to:
The Company will not retain your information longer than necessary. We will hold onto the information you provide either while your account is in existence, or as needed to be able to provide the Services to you, or for as long as is necessary to provide support-related reporting and trend analysis only.
If legally required or if it is reasonably necessary to meet regulatory requirements, resolve disputes, prevent fraud and abuse, or enforce our Terms and Conditions, we may also retain some of your information for a limited period as required, even after you have closed your account or it is no longer needed to provide the Services to you.
Cullen National follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services' analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users' movement on the website, and gathering demographic information.
Like any other website, this website uses 'cookies'. These cookies are used to store information including visitors' preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customizing our web page content based on visitors' browser type and/or other information.
What are cookies? Cookies are small files saved to the user's computer's hard drive that track, save and store information about the user's interactions and usage of the website. This allows the website, through its server to provide the users with a tailored experience within this website.
We may use cookies to remember personal settings you have chosen at our website. In no other context do we use cookies to collect information that identifies you personally. Most of the cookies we set are automatically deleted from your computer when you leave our website or shortly afterwards.
We use anonymous session cookies (short-term cookies that disappear when you close your browser) to help you navigate the website and make the most of the features. If you log into the website, application or a course as a registered user, your session cookie will also contain your user ID so that we can check which services you are allowed to access. This website uses tracking software to monitor its visitors to better understand how they use it.
This software is provided by Google Analytics which uses cookies to track visitor usage. The software will save a cookie to your computer's hard drive in order to track and monitor your engagement and usage of the website, but will not store, save or collect personal information. The Company does not link the information that it stores in cookies to any personally identifiable information you submit while on our website(s). If you reject cookies, you may still use the Company's website(s), but you will not be able to use your trading account and submit your application form.
These tools for gathering Client's information are employed for the purpose of ensuring the Client's own security and all data collected by the Company is shared only with individuals within the Company, who are involved with the verification of customer account information for the express purpose of ensuring the customer's confidentiality and security. Some of the Company's business partners and/or affiliates use cookies on the Company's website(s). The Company has no access to, or control over these cookies.
Should users wish to deny the use and saving of cookies from this website onto their computer's hard drive, they should take necessary steps within their web browser's security settings to block all cookies from this website and its external serving vendors.
For more general information on cookies, please read this article on Cookies by Wikipedia.
You may consult this list to find the Privacy Policy for each of the advertising partners of Cullen National.
Third-party ad servers or ad networks uses technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on Cullen National, which are sent directly to users' browser. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.
Note that Cullen National has no access to or control over these cookies that are used by third-party advertisers.
Cullen National's Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options.
You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers' respective websites.
While using our website, software applications or services, you may be required to provide personal information (name, address, email, account details, etc.). We will use this information to administer our website, applications, client databases and marketing material. We will ensure that all personal information supplied is held securely. Further, by providing telephone, fax and email details, you consent to Cullen National Bank contacting you using that method. You have the right at any time to request a copy of the personal information we hold on you. Should you wish to receive a copy of this, or would like to be removed from our database, please contact us at info@cullennational.com. All client information which the Company holds is to be treated by the Company as confidential and will not be used for any purpose other than in connection with the provision, administration and improvement of the Services, for research and statistical purposes and for marketing purposes (if the Client's consent is obtained where (s)he is a natural person). Information already in the public domain, or already possessed by the Company without a duty of confidentiality will not be regarded as confidential.
We will not transfer your personal data without your consent. We have implemented generally accepted standards of technology and operational security in order to protect personal data from loss, misuse, or unauthorized alteration or destruction. Please note however that where you are transmitting information to us over the internet this can never be guaranteed to be 100% secure. For any payments which we take from you online we will use a recognized online secure payment system. We will notify you promptly in the event of any breach of your data which might expose you to serious risk.
You have the right to have your data erased and for processing to cease in the following circumstances:
You have the right to receive confirmation that your data is being processed and to have access to your personal data and supplementary information which means the information which should be provided in a privacy notice.
You have the right to data portability and provide you with your data, so you can reuse it for your own purpose or across different services. The data should be provided in a commonly used machine-readable format and to be sent to another controller if requested.
The Company will not sell or rent your personally identifiable information, gathered as a result of filling out the site registration form, to anyone. Choosing how we use your data We understand that you trust us with your personal information, and we are committed to ensuring you can manage the privacy and security of your personal information yourself. With respect to the information relating to you that ends up in our possession, and recognizing that it is your choice to provide us with your personally identifiable information, we commit to giving you the ability to do all of the following:
Under the CCPA, among other rights, consumers have the right to:
Request that a business that collects a consumer's personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.
Request that a business delete any personal data about the consumer that a business has collected.
Request that a business that sells a consumer's personal data, not sell the consumer's personal data.
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.
We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:
The right to access - You have the right to request copies of your personal data. We may charge you a small fee for this service.
The right to rectification - You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.
The right to erasure - You have the right to request that we erase your personal data, under certain conditions.
The right to restrict processing - You have the right to request that we restrict the processing of your personal data, under certain conditions.
The right to object to processing - You have the right to object to our processing of your personal data, under certain conditions.
The right to data portability - You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.
Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.
Cullen National does not knowingly collect any Personal Identifiable Information from children under the age of 16. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.
Any comments, questions or suggestions about this privacy policy or our handling of your personal data should be emailed to info@cullennational.com
In case you want to make or to discuss a complaint, please contact us using the details provided above. All complaints will be treated in a confidential manner. If you are unsatisfied with the handling of your data, or about any complaint that you have made to the Company about the handling of your data, you are entitled to escalate your complaint to a supervisory authority.
See Why Our Customers Trust Us
Our top notch customer support team is always ready to respond to your concerns.
2FA verification on login and registration. Our platform is SSL encrypted and hosted on Digital ocean and cloudways encrypted servers.
We price our products and services to be competitive and affordable.