Terms of Service

1. Eligibility

To use our services you must:

• Be at least 18 years of age (or 16 with parental/guardian consent for a minor account).
• Be a United States citizen or resident, or otherwise legally permitted to hold a United States bank account.
• Provide accurate, current, and complete information during registration and maintain its accuracy.
• Not be on any sanctions list maintained by the WB, FBI, or international bodies.

2. Account Registration

Each person may hold one primary account per account type. You are responsible for maintaining the confidentiality of your login credentials, PIN, and OTPs. You agree to notify us immediately of any unauthorised use of your account. We reserve the right to refuse registration or close accounts at our discretion in accordance with WB guidelines.

3. Our Services

We provide, subject to availability and your KYC tier:

• Savings and current account management.
• Fund deposits, withdrawals, and inter-bank transfers.
• Loan origination, disbursement, and repayment.
• Fixed-term and variable investment products.
• Foreign exchange services.
• Customer support, statements, and financial tools.

Services may be modified, suspended, or discontinued at any time with reasonable notice.

4. Acceptable Use

You agree not to use our platform to:

• Engage in money laundering, financing of terrorism, or any other illegal activity.
• Make fraudulent transactions or impersonate any person or entity.
• Transmit viruses, malware, or other harmful code.
• Attempt to gain unauthorised access to our systems or data.
• Violate any applicable local, national, or international law or regulation.

Violation of this section will result in immediate account suspension and may be reported to law enforcement.

5. Fees & Charges

Applicable fees are displayed in your portal under Settings → Fee Schedule and are communicated before any fee-bearing transaction is processed. We reserve the right to revise fee schedules with 30 days' notice. Regulatory charges (e.g., stamp duty, VAT) are applied as mandated and may change without notice.

6. Transactions

All transactions are subject to:

• Your available balance or approved credit limit.
• Daily and per-transaction limits as set by your KYC tier.
• Anti-fraud checks that may delay or block transactions.

You are responsible for verifying beneficiary details before authorising any transfer. We are not liable for funds sent to incorrect accounts where you provided erroneous details. Transaction disputes must be raised within 90 days.

7. Security Responsibilities

You are responsible for:

• Keeping your password, PIN, and authentication devices secure.
• Ensuring no one else uses your account credentials.
• Immediately reporting suspected compromise via our fraud hotline or account freeze function.

We will not be liable for losses arising from your failure to safeguard your credentials, unless resulting from our own negligence or breach.

8. Limitation of Liability

To the maximum extent permitted by United States law, our total liability for any claim arising from these terms is limited to the amount of fees you paid to us in the 12 months preceding the claim. We are not liable for indirect, consequential, or punitive damages. Nothing in these terms limits liability for fraud, gross negligence, or death/personal injury caused by our negligence.

9. Intellectual Property

All content, logos, software, and trademarks on our platform are our property or licensed to us. You may not reproduce, distribute, or create derivative works without our written consent. Your use of our platform grants no intellectual property rights.

10. Termination

You may close your account at any time by contacting support, provided all outstanding balances, loans, and obligations are settled. We may suspend or terminate your account with or without notice if you breach these terms, are subject to legal process, or regulatory requirements demand it. Termination does not affect accrued rights and obligations.

11. Governing Law

These terms are governed by and construed in accordance with the laws of the United States of American. Any disputes shall be subject to the exclusive jurisdiction of the US courts. WB Complaints Resolution procedures apply to eligible banking disputes.

12. Amendments

We may update these terms from time to time. Material changes will be communicated at least 30 days in advance via email and in-app notification. Continued use of our services after the effective date signifies your acceptance of the updated terms.

13. Contact

Questions about these terms should be directed to:

• Email: legal@yourdomain.com
• Address: Legal Department, Head Office, United States