Two of DreamBank's core values are accountability and transparency. Our business credibility depends on these values. We know we are looking after both your dreams and your money. To help ensure that our users feel confident in using DreamBank we have implemented the following:

Respected and Trusted Financial Service Providers

DreamBank has chosen a known and respected financial service provider to process and hold your dream funds - PayPal. PayPal has some of the  most sophisticated security and fraud detection systems available. For more information about PayPal's security measures, please visit PayPal's Security Centre.

Transparency on Fees

DreamBank is committed to ensure all our users understand the fees we charge up front. There is a link to fees on the sign-up page and also you will find fee information in the FAQ. If you have any specific questions that are not answered in either of these places, contact us.

Respected and Trusted Third party Accountants & Auditors

We have internal policies and procedures for ensuring secure reconciliation of transactions. We have employed Deloitte & Touche LLP as our corporate accounting firm  and we are in the process of identifying an auditing partner to audit our Dream Principal and charitable distributions. We will make the auditor's review public to our users regularly as the audit is complete.

Transparency on Charity Information

DreamBank has a strong commitment to corporate social responsibility and that's why we developed a unique business model that gives back to society. What's unique about DreamBank is that, unlike other companies that often give a percentage of profits to charities etc, DreamBank gives a percentage of all net transaction revenue to its charities. This means that the charities will receive revenue, regardless of our profitability. The total amount  distributed to the charities and the amounts the individual charities receive will be posted regularly. DreamBank will continually review the effectiveness of this business structure and as it makes sense, will refine and improve it to have the best possible end result for the causes it supports. We will keep you up-to-date on any proposed changes as they arise.

Password Security

For your security DreamBank does not store your password in our database. Instead we store what's known as a cryptographic hash, a code that's produced by your password that's unique to your account.

We do this for your protection. Many users often use the same passwords across multiple sites. If one site's database is compromised and that site stores passwords in the clear (also known as 'plaintext') then that one mistake potentially compromises those users' accounts across other sites as well.

This storage of a hash instead of a plaintext password is also why if you forget your password we can't simply email it to you; we don't know it and there's no way we can figure it out in reverse from your hash code.

If you have questions on any of the above, check out the FAQ on the site, but if you can't find what you are looking for contact us.