<?php
$pageTitle = 'About Us — ' . getSetting("site_name", "Deutsche Bank Holdings Delaware");
include 'includes/public-header.php';
?>
<meta name="description" content="About <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>: our purpose, values, services, and commitment to building a better banking experience.">
<meta property="og:title" content="About Us — <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>">
<meta property="og:description" content="Our purpose, values, services, and commitment.">
<meta property="og:image" content="logo.png"><meta name="twitter:card" content="summary">
</head>
<body>

<main id="main-content">
  <div class="db-utility-inner">
    <ul class="db-utility-links">
      <li><a href="personal-banking.html">Personal</a></li>
      <li><a href="business-banking.html">Business</a></li>
      <li><a href="help-centre.html">Help</a></li>
      <li><a href="security-centre.html">Security</a></li>
      <li><a href="contact.html">Contact</a></li>
    </ul>
    <div class="db-utility-right">
      <a href="about-us.html">About Us</a>
      <a href="careers.html">Careers</a>
      <a href="investor-relations.html">Investor Relations</a>
    </div>
  </div>
</div>

<!-- ===== HEADER ===== -->
<header class="db-header" role="banner">
  <div class="db-header-inner">
    <a href="index.html" class="db-header-logo" aria-label="<?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> - Home">
      <img src="logo.png" alt="<?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>" width="160" height="40">
    </a>
    <nav class="db-nav" aria-label="Main navigation">
      <ul class="db-nav-list">
        <li class="db-mega-toggle">
          <a href="personal-banking.html" class="db-nav-link">Personal</a>
          <div class="db-mega-panel">
            <div class="db-mega-grid">
              <div class="db-mega-col"><h4>Accounts</h4><ul><li><a href="accounts.html"><i class="fas fa-university"></i> Accounts Overview</a></li><li><a href="checking-account.html"><i class="fas fa-wallet"></i> Current Accounts</a></li><li><a href="savings-account.html"><i class="fas fa-piggy-bank"></i> Savings Accounts</a></li><li><a href="account-comparison.html"><i class="fas fa-balance-scale"></i> Compare Accounts</a></li><li><a href="open-account.html"><i class="fas fa-user-plus"></i> Open an Account</a></li></ul></div>
              <div class="db-mega-col"><h4>Payments & Transfers</h4><ul><li><a href="transfers.html"><i class="fas fa-exchange-alt"></i> Money Transfers</a></li><li><a href="local-transfers.html"><i class="fas fa-arrow-right"></i> Local Transfers</a></li><li><a href="international-transfers.html"><i class="fas fa-globe"></i> International</a></li><li><a href="bill-payments.html"><i class="fas fa-file-invoice"></i> Bill Payments</a></li></ul></div>
              <div class="db-mega-col"><h4>Cards</h4><ul><li><a href="cards.html"><i class="fas fa-credit-card"></i> Cards Overview</a></li><li><a href="debit-cards.html"><i class="fas fa-credit-card"></i> Debit Cards</a></li><li><a href="virtual-cards.html"><i class="fas fa-mobile-alt"></i> Virtual Cards</a></li><li><a href="card-security.html"><i class="fas fa-shield-alt"></i> Card Security</a></li></ul></div>
            </div>
            <div class="db-mega-cta"><p>New to <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>?</p><a href="open-account.html" class="db-btn db-btn-primary db-btn-sm">Open an Account</a></div>
          </div>
        </li>
        <li class="db-mega-toggle">
          <a href="business-banking.html" class="db-nav-link">Business</a>
          <div class="db-mega-panel">
            <div class="db-mega-grid">
              <div class="db-mega-col"><h4>Business Banking</h4><ul><li><a href="business-banking.html"><i class="fas fa-briefcase"></i> Business Overview</a></li><li><a href="business-account.html"><i class="fas fa-building"></i> Business Accounts</a></li><li><a href="corporate-bank.html"><i class="fas fa-city"></i> Corporate Banking</a></li><li><a href="open-account.html"><i class="fas fa-user-plus"></i> Open an Account</a></li></ul></div>
              <div class="db-mega-col"><h4>Business Services</h4><ul><li><a href="transfers.html"><i class="fas fa-exchange-alt"></i> Business Transfers</a></li><li><a href="bill-payments.html"><i class="fas fa-file-invoice"></i> Payments</a></li></ul></div>
              <div class="db-mega-col"><h4>Support</h4><ul><li><a href="help-centre.html"><i class="fas fa-question-circle"></i> Help Centre</a></li><li><a href="customer-support.html"><i class="fas fa-headset"></i> Business Support</a></li></ul></div>
            </div>
          </div>
        </li>
        <li><a href="digital-banking.html" class="db-nav-link">Digital Banking</a></li>
        <li><a href="banking-insights.html" class="db-nav-link">Insights</a></li>
        <li><a href="security-centre.html" class="db-nav-link">Security</a></li>
        <li><a href="help-centre.html" class="db-nav-link">Help</a></li>
        <li><a href="about-us.html" class="db-nav-link active">About</a></li>
      </ul>
    </nav>
    <div class="db-header-actions">
      <div class="db-search"><i class="fas fa-search"></i><input type="search" placeholder="Search..." aria-label="Search the website"></div>
      <a href="account/login.html" class="db-btn db-btn-outline db-btn-sm">Log In</a>
      <a href="account/register.html" class="db-btn db-btn-primary db-btn-sm">Open Account</a>
    </div>
    <button class="db-nav-toggle" aria-label="Toggle navigation menu" aria-expanded="false">
      <span></span><span></span><span></span>
    </button>
  </div>
</header>

<!-- ===== MOBILE MENU ===== -->
<div class="db-mobile-menu" role="dialog" aria-label="Mobile navigation">
  <div class="db-mobile-nav-section"><button class="db-mobile-nav-title">Personal Banking <i class="fas fa-chevron-down"></i></button><div class="db-mobile-nav-links"><a href="personal-banking.html">Personal Overview</a><a href="accounts.html">Accounts</a><a href="transfers.html">Transfers</a><a href="cards.html">Cards</a><a href="open-account.html">Open an Account</a></div></div>
  <div class="db-mobile-nav-section"><button class="db-mobile-nav-title">Business Banking <i class="fas fa-chevron-down"></i></button><div class="db-mobile-nav-links"><a href="business-banking.html">Business Overview</a><a href="business-account.html">Business Accounts</a><a href="corporate-bank.html">Corporate Banking</a><a href="open-account.html">Open an Account</a></div></div>
  <a href="digital-banking.html" class="db-mobile-nav-title" style="display:flex;align-items:center;text-decoration:none;width:100%;border-bottom:1px solid var(--db-gray-100);">Digital Banking</a>
  <a href="banking-insights.html" class="db-mobile-nav-title" style="display:flex;align-items:center;text-decoration:none;width:100%;border-bottom:1px solid var(--db-gray-100);">Insights</a>
  <a href="security-centre.html" class="db-mobile-nav-title" style="display:flex;align-items:center;text-decoration:none;width:100%;border-bottom:1px solid var(--db-gray-100);">Security</a>
  <a href="help-centre.html" class="db-mobile-nav-title" style="display:flex;align-items:center;text-decoration:none;width:100%;border-bottom:1px solid var(--db-gray-100);">Help</a>
  <a href="about-us.html" class="db-mobile-nav-title" style="display:flex;align-items:center;text-decoration:none;width:100%;border-bottom:1px solid var(--db-gray-100);">About Us</a>
  <div class="db-header-actions" style="display:flex;flex-direction:column;margin-top:var(--db-space-6);padding:var(--db-space-6);gap:var(--db-space-3);">
    <a href="account/login.html" class="db-btn db-btn-outline" style="width:100%;justify-content:center;">Log In</a>
    <a href="account/register.html" class="db-btn db-btn-primary" style="width:100%;justify-content:center;">Open Account</a>
  </div>
</div>

<!-- ===== SECURITY ANNOUNCEMENT ===== -->
<div class="db-announcement">
  <span><i class="fas fa-shield-alt"></i> <strong>Security Notice:</strong> We will never ask for your password, PIN, or one-time code via phone, email, or text. <a href="scam-awareness.html">Learn how to stay safe</a>.</span>
  <button class="db-announcement-close" aria-label="Close announcement">&times;</button>
</div>

<main id="main-content">

<!-- ===== PAGE HERO ===== -->
<section class="db-page-hero db-page-hero-bg" style="background-image:url('assets/images/about/team-meeting-modern.jpg');" aria-labelledby="hero-title">
  <div class="db-container">
    <h1 class="db-page-hero-title" id="hero-title">About Us</h1>
    <p class="db-page-hero-subtitle">Building a better banking experience for individuals, families, and businesses.</p>
  </div>
</section>

<!-- ===== MAIN CONTENT ===== -->
<section class="db-section">
  <div class="db-container">
    <div class="db-content animate">

      <!-- Building a Better Banking Experience -->
      <h2>Building a Better Banking Experience</h2>
      <p>At <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?>, we believe banking should help people move forward with confidence.</p>
      <p>Managing money is an important part of everyday life. It affects how people provide for their families, run businesses, make payments, save for future goals, respond to emergencies, and pursue new opportunities. Customers deserve banking services that are secure, reliable, straightforward, and easy to access.</p>
      <p>Our goal is to provide a modern banking experience that brings essential financial services together in one clear and convenient platform. We combine practical banking solutions, thoughtful technology, customer education, and responsive support to help individuals and businesses manage their finances more effectively.</p>
      <p>We are committed to making banking easier to understand and simpler to use. From opening an account and reviewing transactions to managing cards, making payments, transferring money, and accessing support, every part of our service is designed around the needs of our customers.</p>
      <p>We are building more than a digital banking platform. We are building a long-term financial relationship based on trust, responsibility, service, and continuous improvement.</p>

      <!-- Who We Are -->
      <h2>Who We Are</h2>
      <p><?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> is a customer-focused financial institution providing modern banking services for individuals, families, professionals, entrepreneurs, and businesses.</p>
      <p>We understand that banking needs are changing. Customers increasingly expect to access their accounts from different devices, complete transactions without unnecessary delays, receive clear information, and get assistance when they need it.</p>
      <p>Our platform is designed to respond to these expectations.</p>
      <p>We provide a secure and organised environment where customers can access available banking services, manage their accounts, review financial activity, make payments, transfer money, use physical or virtual cards, and receive relevant support.</p>
      <p>Our approach combines the reliability expected from a financial institution with the convenience and flexibility of modern digital banking.</p>
      <p>We aim to make every customer interaction clear, useful, and dependable. Whether someone is visiting our website for the first time or managing an existing account, we want the experience to feel simple, professional, and secure.</p>

      <!-- Our Purpose -->
      <h2>Our Purpose</h2>
      <p>Our purpose is to help people and businesses manage money with greater clarity, convenience, and confidence.</p>
      <p>Financial services should not create unnecessary confusion. Customers should be able to understand their accounts, recognise available options, complete everyday transactions, and find help without navigating complicated processes.</p>
      <p>We work to remove unnecessary barriers by presenting information clearly, simplifying digital experiences, and designing services around practical customer needs.</p>
      <p>Our purpose influences every decision we make. It guides how we design our website, organise banking products, communicate security information, develop digital tools, and respond to customer concerns.</p>
      <p>We want customers to feel informed and in control of their banking activities.</p>

      <!-- Our Mission -->
      <h2>Our Mission</h2>
      <p>Our mission is to deliver secure, accessible, and customer-centred banking services that help individuals and businesses manage their finances more effectively.</p>
      <p>We work toward this mission by:</p>
      <ul>
        <li>Providing clear and useful banking information</li>
        <li>Making supported services accessible across different devices</li>
        <li>Protecting customer data and financial information</li>
        <li>Supporting safe and convenient transactions</li>
        <li>Designing intuitive digital experiences</li>
        <li>Providing practical financial guidance</li>
        <li>Responding to customer questions and concerns</li>
        <li>Improving our services through feedback and responsible innovation</li>
        <li>Maintaining high standards of professionalism and integrity</li>
      </ul>
      <p>Our mission is reflected throughout the customer journey, from account discovery and registration to everyday banking, security support, and long-term account management.</p>

      <!-- Our Vision -->
      <h2>Our Vision</h2>
      <p>Our vision is to become a trusted banking partner recognised for responsible service, secure technology, customer care, and accessible financial solutions.</p>
      <p>We are working toward a future where banking is easier to understand, more inclusive, more responsive, and better connected to the realities of everyday life.</p>
      <p>We want individuals and businesses to have the tools, information, and support needed to manage financial activities confidently.</p>
      <p>Our long-term ambition is to create a banking experience where customers can access important services without unnecessary complexity, understand the choices available to them, and receive help when challenges arise.</p>

      <!-- Our Story -->
      <h2>Our Story</h2>
      <p><?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> was established with a clear idea: banking should be built around the people who use it.</p>
      <p>Many customers want financial services that are dependable but also convenient. They want the confidence associated with professional banking and the flexibility provided by modern technology.</p>
      <p>We recognised an opportunity to bring these qualities together.</p>
      <p>From the beginning, our focus has been on building a banking experience that prioritises:</p>
      <ul>
        <li>Clear communication</li>
        <li>Secure account access</li>
        <li>Straightforward navigation</li>
        <li>Reliable transaction information</li>
        <li>Convenient payments and transfers</li>
        <li>Responsible card services</li>
        <li>Practical customer guidance</li>
        <li>Responsive support</li>
        <li>Consistent experiences across devices</li>
      </ul>
      <p>Our journey continues as customer expectations, technology, and financial services evolve.</p>
      <p>We remain committed to improving the platform carefully and responsibly. Every new feature, page, service, and process should solve a genuine customer problem and contribute to a better banking experience.</p>

    </div>
  </div>
</section>

<!-- ===== CORE VALUES ===== -->
<section class="db-section db-section-bg">
  <div class="db-container">
    <div class="db-section-header animate">
      <span class="db-section-label">Principles</span>
      <h2 class="db-section-title">Our Core Values</h2>
    </div>
    <div class="db-grid db-grid-3">
      <div class="db-card animate animate-delay-1">
        <div class="db-card-icon"><i class="fas fa-handshake"></i></div>
        <h3 class="db-card-title">Trust</h3>
        <p class="db-card-text">Trust is the foundation of our relationship with every customer. We aim to earn that trust through dependable services, honest communication, responsible processes, accurate information, and professional support.</p>
      </div>
      <div class="db-card animate animate-delay-2">
        <div class="db-card-icon"><i class="fas fa-balance-scale"></i></div>
        <h3 class="db-card-title">Integrity</h3>
        <p class="db-card-text">We conduct our work with honesty and accountability. We aim to communicate accurately and take responsibility when issues occur.</p>
      </div>
      <div class="db-card animate animate-delay-3">
        <div class="db-card-icon"><i class="fas fa-shield-alt"></i></div>
        <h3 class="db-card-title">Security</h3>
        <p class="db-card-text">Protecting customer information is central to our work. Security considerations influence our technology, account processes, communication, education, and support procedures.</p>
      </div>
      <div class="db-card animate animate-delay-1">
        <div class="db-card-icon"><i class="fas fa-feather-alt"></i></div>
        <h3 class="db-card-title">Simplicity</h3>
        <p class="db-card-text">Banking can involve complex systems, but the customer experience should remain clear. We aim to simplify account journeys, explain products in plain language, and organise information logically.</p>
      </div>
      <div class="db-card animate animate-delay-2">
        <div class="db-card-icon"><i class="fas fa-universal-access"></i></div>
        <h3 class="db-card-title">Accessibility</h3>
        <p class="db-card-text">We want our services to be usable by as many people as possible. We consider screen sizes, keyboard access, readable typography, colour contrast, and form clarity in our digital services.</p>
      </div>
      <div class="db-card animate animate-delay-3">
        <div class="db-card-icon"><i class="fas fa-star"></i></div>
        <h3 class="db-card-title">Excellence</h3>
        <p class="db-card-text">We aim for high standards across technology, communication, design, operations, support, and service delivery. Excellence requires ongoing review, learning, testing, and improvement.</p>
      </div>
      <div class="db-card animate animate-delay-1">
        <div class="db-card-icon"><i class="fas fa-lightbulb"></i></div>
        <h3 class="db-card-title">Innovation</h3>
        <p class="db-card-text">We continually explore ways to improve banking services. Innovation must have a clear purpose — improving convenience, security, accessibility, service quality, or operational reliability.</p>
      </div>
      <div class="db-card animate animate-delay-2">
        <div class="db-card-icon"><i class="fas fa-users"></i></div>
        <h3 class="db-card-title">Customer Focus</h3>
        <p class="db-card-text">Our customers influence how we design and improve our services. We pay attention to customer needs, common difficulties, feedback, security concerns, and changing expectations.</p>
      </div>
      <div class="db-card animate animate-delay-3">
        <div class="db-card-icon"><i class="fas fa-heart"></i></div>
        <h3 class="db-card-title">Responsibility</h3>
        <p class="db-card-text">Financial services can have a major impact on individuals, families, businesses, and communities. We approach our work carefully and aim to make decisions that protect customers and support informed choices.</p>
      </div>
    </div>
  </div>
</section>

<!-- ===== OUR APPROACH ===== -->
<section class="db-section">
  <div class="db-container">
    <div class="db-content animate">

      <h2>Our Banking Approach</h2>
      <p>Our approach is based on understanding how people use banking services in real life. Different customers have different priorities. Some need an account for everyday transactions. Others are building a savings habit, managing household expenses, receiving income, running a business, transferring money, or using cards for online and in-person purchases. We design our services around these practical situations.</p>

      <h3>Clear Product Information</h3>
      <p>Customers should understand what each account or service provides. We aim to explain available features, requirements, processes, limits, fees, and support options clearly where verified information is available.</p>

      <h3>Convenient Access</h3>
      <p>Customers should be able to access their accounts and available services through compatible devices without unnecessary difficulty.</p>

      <h3>Secure Account Management</h3>
      <p>We provide a structured environment for customers to view and manage supported banking activities.</p>

      <h3>Responsible Communication</h3>
      <p>We avoid language that creates unrealistic expectations. Banking information should be accurate, specific, and appropriate for the service being described.</p>

      <h3>Helpful Guidance</h3>
      <p>Our educational content helps customers understand banking topics, recognise risks, and make better-informed decisions.</p>

      <h3>Continuous Improvement</h3>
      <p>We regularly review our customer experience, technology, content, accessibility, security, and support processes.</p>

    </div>
  </div>
</section>

<!-- ===== WHAT WE BELIEVE ===== -->
<section class="db-section db-section-bg">
  <div class="db-container">
    <div class="db-content animate">

      <h2>What We Believe</h2>

      <p><strong>We believe banking should be based on trust.</strong> Customers place significant responsibility in the hands of a financial institution. They expect their information to be protected, their transactions to be handled responsibly, and their concerns to be taken seriously.</p>

      <p><strong>We believe banking should be understandable.</strong> Important information should not be hidden behind confusing language. Customers should know what a service offers, who it is designed for, how it works, and what actions they need to take.</p>

      <p><strong>We believe banking should be accessible.</strong> Customers should be able to reach supported services through mobile phones, tablets, laptops, and desktop computers. Digital services should also consider customers with different abilities and levels of technical experience.</p>

      <p><strong>We believe technology should solve real problems.</strong> Technology is valuable when it makes banking more secure, convenient, accurate, or responsive. It should not be introduced only because it appears modern.</p>

      <p><strong>We believe customers deserve support.</strong> Even the best digital services cannot address every situation automatically. Customers need access to clear guidance and appropriate support when they have questions, lose account access, notice unusual activity, or experience a problem.</p>

    </div>
  </div>
</section>

<!-- ===== SECURITY & CUSTOMER PROTECTION ===== -->
<section class="db-section">
  <div class="db-container">
    <div class="db-content animate">

      <h2>Our Commitment to Security</h2>
      <p>Security is a shared responsibility between <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> and our customers.</p>
      <p>We work to protect customer accounts, financial information, and personal data through appropriate systems, policies, monitoring, and verification processes.</p>
      <p>Our security approach may include secure login processes, password protection, customer verification, session management, data encryption, transaction monitoring, fraud detection, account recovery processes, security notifications, customer education, and suspicious-activity reporting.</p>

      <h3>Helping Customers Stay Safe</h3>
      <p>Customers should use strong and unique passwords, keep PINs private, never share one-time codes, avoid logging in through suspicious links, check website addresses carefully, review transaction activity regularly, secure their phones and computers, avoid using public devices for sensitive banking, report suspicious activity quickly, and use only official support channels.</p>
      <p><strong><?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> will never ask customers to provide a full password, PIN, or one-time code through an unsolicited phone call, email, or text message.</strong> Anyone making such a request should be treated as suspicious.</p>

      <h3>Fraud and Scam Awareness</h3>
      <p>Fraud methods continue to change. Criminals may attempt to impersonate banks, government agencies, businesses, relatives, employers, or service providers.</p>
      <p>Common warning signs include urgent requests for money, requests for passwords or PINs, requests for one-time codes, threats that an account will be closed immediately, unexpected payment instructions, messages containing suspicious links, calls claiming to be from a fraud department, requests to move money into a "safe account," unrecognised login notifications, and unexpected changes to account information.</p>
      <p>Customers should stop and verify any unusual request using official contact information. Taking a few minutes to confirm a message can prevent serious financial loss.</p>

    </div>
  </div>
</section>

<!-- ===== DIGITAL BANKING & SERVICES ===== -->
<section class="db-section db-section-bg">
  <div class="db-container">
    <div class="db-content animate">

      <h2>Digital Banking</h2>
      <p>Digital banking should make financial management more convenient without reducing security or clarity. Our platform is designed to help customers access supported banking services through modern devices.</p>
      <p>Depending on the available functionality, customers may be able to view account information, review available balances, check recent transactions, transfer funds, manage beneficiaries, review payment activity, access card information, view or download statements, update profile information, receive account notifications, find security guidance, and contact support.</p>
      <p>We focus on organising these features in a way that is easy to understand. Important information should be visible. Common actions should be easy to find. Customers should not have to search through complicated menus to complete everyday banking tasks.</p>

      <h3>Payments and Transfers</h3>
      <p>Payments and transfers are an important part of everyday banking. Customers need to send money confidently, review transaction details, manage beneficiaries, and confirm whether a transaction has been completed.</p>
      <p>Our transfer and payment experience is designed to help customers select the correct beneficiary, review payment information, confirm transaction details, access transaction records, understand transaction references, recognise pending or completed transactions, report unusual transfer activity, and receive help when a transaction requires attention.</p>
      <p>We encourage customers to verify beneficiary information before confirming a transaction. Customers should never transfer money because of pressure from an unknown caller, message, email, or social-media account.</p>

    </div>
  </div>
</section>

<!-- ===== SUPPORT & ACCESSIBILITY ===== -->
<section class="db-section">
  <div class="db-container">
    <div class="db-content animate">

      <h2>Customer Support</h2>
      <p>Banking support should be clear, respectful, and secure. Customers may need help with opening an account, signing in, recovering account access, updating personal information, understanding a transaction, managing beneficiaries, making a transfer, using a card, reporting a lost card, reporting suspicious activity, accessing statements, understanding account requirements, or resolving a complaint.</p>
      <p>Our Help Centre, Frequently Asked Questions, Security Centre, and available contact channels are designed to help customers find the right information. Urgent security matters should always be reported through official channels.</p>

      <h3>Our Customer Service Principles</h3>
      <p><strong>We Listen:</strong> Customer concerns should be understood before solutions are proposed. We take time to identify the actual issue and avoid making unsupported assumptions.</p>
      <p><strong>We Communicate Clearly:</strong> Customers should receive explanations that are understandable and relevant. We avoid unnecessary technical language.</p>
      <p><strong>We Protect Customer Information:</strong> Account-related support must follow appropriate verification and security procedures.</p>
      <p><strong>We Take Responsibility:</strong> When a problem falls within our responsibility, we aim to investigate it and communicate the next steps clearly.</p>
      <p><strong>We Learn:</strong> Customer questions and complaints can reveal weaknesses in products, processes, and communication. We use these insights to improve.</p>

      <h2>Accessibility and Inclusive Design</h2>
      <p>We want our website and digital banking services to be usable by as many people as possible. Our accessibility approach includes responsive layouts, keyboard-accessible navigation, visible focus indicators, clear heading structures, readable typography, appropriate colour contrast, accessible forms, descriptive image text, touch-friendly controls, reduced-motion support, clear validation messages, and meaningful link descriptions.</p>
      <p>Accessibility is an ongoing responsibility. We continue to review our website and services to identify areas that can be improved.</p>

    </div>
  </div>
</section>

<!-- ===== FINANCIAL EDUCATION ===== -->
<section class="db-section db-section-bg">
  <div class="db-container">
    <div class="db-content animate">

      <h2>Financial Education</h2>
      <p>Financial services are more useful when customers understand how to use them responsibly.</p>
      <p>Our Banking Insights &amp; Guides provide practical information on topics such as understanding account types, building a savings habit, managing everyday expenses, using physical and virtual cards, making secure transfers, reviewing transaction history, protecting banking information, recognising scams, managing business payments, getting started with digital banking, responding to a lost card, and planning for financial goals.</p>
      <p>This information is provided for general education. It should not be treated as personalised financial, legal, investment, accounting, or tax advice. Customers should consult a qualified professional when making decisions that require individual assessment.</p>

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      <h2>Responsible Banking</h2>
      <p>Responsible banking requires careful consideration of customer interests, financial risks, social impact, and long-term trust.</p>
      <p>Our responsible banking approach includes accurate product descriptions, clear communication, fair treatment, customer privacy, fraud-awareness education, secure technology, accessible support, responsible innovation, complaint handling, and continuous service review.</p>
      <p>We do not believe in using misleading claims to encourage customers to open or use an account. Customers should receive enough information to make informed decisions.</p>

      <h3>Transparency</h3>
      <p>Transparency is essential in financial services. Customers should be able to find relevant information about product features, eligibility requirements, account-opening processes, available services, fees, limits, transaction conditions, card usage, security responsibilities, customer support, complaints, data protection, and legal terms.</p>
      <p>Where information is still under review, it should be identified clearly rather than replaced with invented details. Accuracy is more important than filling every section with promotional language.</p>

      <h2>Our Promise</h2>
      <p>Our promise is to work toward a banking experience that is secure, clear, accessible, reliable, professional, responsible, customer-focused, and continuously improving.</p>
      <p>We understand that trust must be earned. When problems occur, our responsibility is to investigate them, communicate clearly, protect customers, and improve our processes.</p>

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      <h2 class="db-cta-title" id="cta-title">Ready to Experience Modern Banking?</h2>
      <p class="db-cta-description">Discover banking services designed to help you manage your finances with greater clarity and confidence.</p>
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        <a href="account/register.html" class="db-btn db-btn-light db-btn-lg">Open an Account</a>
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